Insurance scam?

[DevonPaul]

Sounds like a result. FWIW I've played with the mileage at renewal and between 3k and 8k makes very little difference, in fact sometimes setting it too low has increased the premium. The Covid incident was the Avensis - I'd guessed at 8-10k so settled on 10k, and ended up doing 18k.

If it's all changed on the docs on Monday, I might not bother calling back

 

[Pondy]

in fact sometimes setting it too low has increased the premium.

I found out the reason for this, as I was a bit bemused by it.
The thinking is that if you do too few miles, you become inexperienced in driving, which then makes you are higher risk.
Makes sense I suppose. :?

 

[BeeEmm]

I found out the reason for this, as I was a bit bemused by it.
The thinking is that if you do too few miles, you become inexperienced in driving, which then makes you are higher risk.
Makes sense I suppose.

Can't agree with this. If you don't drive your car very much, then surely you are a low risk for collisions etc. and you may drive a company car or lorry or bus as your day job so have lots of experience. As far as I am concerned, experience matters 'not a jot' neither does advanced driving qualifications. Postcode is the main reason for higher risk and premiums, followed by age.

 

[MikeyH]

You are lucky to get away with £6. Sure, going over the mileage isn’t a big issue (I’d be hugely surprised if it invalidated your insurance, but depends on the small print), but I might expect them to apply the £30 “change of details” charge.

They do charge £30.00 for other things but not for mileage changes, still don’t know what all the fuss is about.

 

[MikeyH]

So, managed to get through to someone on a 13 pence a minute line ans explained about the mileage was wrong and he wasn't bothered and raised it to 8000mls for just over £6.00. He didn't know what the problem was except that there was a discrepancy of some kind and to ring Monday.

Could be worse....
I had a letter come through the other week form the "insurance database" thing (can't remember who it was TBH) saying their records show my F31 isn't insured and to check with my insurance provider! I actually thought it was a scam at first!
I know I changed the cover over when I got the car in January this year, and checked my credit card statement from January. The payment was taken by them (SAGA) in January for the increased premium.
So firstly I checked on my account online and low and behold the old car was showing as insured, not the new F31.
I phoned them and it turned out their 'system' hadn't updated the new car details. The lady on the phone was very apologetic and couldn't understand why it had happened. I made a fuss (unlike me I know :wink: ) about not being insured for the last four months when I had paid for it. So she re-started the policy from the date I called for a year at no extra cost. I got over 6 months free insurance, but it still wasn't a good thing.

OMFG, that is appalling :thumbsdown:

 

[Mr Tidy]

I found out the reason for this, as I was a bit bemused by it.
The thinking is that if you do too few miles, you become inexperienced in driving, which then makes you are higher risk.
Makes sense I suppose.

Well that might make some sense but not if you have already told them you have another car, which is a question most insurers seem to ask these days.

 

[Big Bad Boris]

I found out the reason for this, as I was a bit bemused by it.
The thinking is that if you do too few miles, you become inexperienced in driving, which then makes you are higher risk.
Makes sense I suppose.

Can't agree with this. If you don't drive your car very much, then surely you are a low risk for collisions etc. and you may drive a company car or lorry or bus as your day job so have lots of experience. As far as I am concerned, experience matters 'not a jot' neither does advanced driving qualifications. Postcode is the main reason for higher risk and premiums, followed by age.

Agree or not Pondrew is correct, if your mileage is set too low it can raise your premium. Probably depends on other factors like “do you own or drive another vehicle” etc. You are also right that postcode, age etc are key drivers in the premium… but once you are being ripped off due to those, they will raise it further if you indicate you will drive very, very low mileage.

Does seem illogical, Max Verstappen and his mates drive about 150 miles every couple of weeks and they seem to do ok.

Oh Lord, by accident I seem to have agreed with Pondrew again….. what’s happening to me? :cheers:

 

[TitanTim]

I've got a cherished policy on the M140i limited to 4000 miles a year, think that's the minimum allowed. I always thought the whole point of a low mileage policy was you're less of a risk and the chances of making a claim is reduced.

I have heard that garaging a vehicle can increase the premium, I don't get the thinking behind that. Just seems a nonsense.

Tim.

 

[Beerman]

I have heard that garaging a vehicle can increase the premium, I don't get the thinking behind that. Just seems a nonsense.

Due to drivers damaging their cars coming in and out of the garage.

Most garages are too small for modern cars.

 

[TitanTim]

I have heard that garaging a vehicle can increase the premium, I don't get the thinking behind that. Just seems a nonsense.

Due to drivers damaging their cars coming in and out of the garage.

Most garages are too small for modern cars.

I guess makes sense to a degree, but I could have a massive garage and be ultra careful whereas parked on the drive the increased chance of it being stolen is to a degree out of my control.

Think when I renew I'll just change mileage to 100k a year, parked on the street :roll:

Tim.

 

[DevonPaul]

I know I changed the cover over when I got the car in January this year, and checked my credit card statement from January. The payment was taken by them (SAGA) in January for the increased premium.
So firstly I checked on my account online and low and behold the old car was showing as insured, not the new F31.

SAGA seem OK for run of the mill stuff, but we've never had much luck with performance stuff (similarly LV, so when their ad says "For all your family's cars" they lie.

SAGA couldn't grasp the M part of Z4M, and I lost hope trying them for the Maserati when I told them the make of car and their reply was "I can't see that on the database, can you repeat what model of Mazda it is?"

I think we're with Lloyds or someone now, costs about £160 this year, which is a shedload less than the Avensis and partly makes up for the VED.

 

[Pondy]

Due to drivers damaging their cars coming in and out of the garage.

That....and insurers go on the thinking if a car is in a garage a thief has more time to do whatever is needed without being disturbed. Again, sort of makes sense.
Except I have two cars parked outside my garage, so they would have to move those first. Insurance didn't care about that. I also have a locked gate to get to the locked pedestrian door. Both my up and over doors have proper security; no-one can open them from the outside. Again, insurance didn't care.

 

[Scubaregs]

You don't keep cars long enough to get stolen..........

 

[BeeEmm]

I have heard that garaging a vehicle can increase the premium, I don't get the thinking behind that. Just seems a nonsense.

Due to drivers damaging their cars coming in and out of the garage.

Most garages are too small for modern cars.

I never wrote this. Where did it come from? It gives the date as 18 May 2024 at 2312, but is not in my script. :thumbsdown:

 

[BeeEmm]

I have heard that garaging a vehicle can increase the premium, I don't get the thinking behind that. Just seems a nonsense.

Due to drivers damaging their cars coming in and out of the garage.

Most garages are too small for modern cars.

I guess makes sense to a degree, but I could have a massive garage and be ultra careful whereas parked on the drive the increased chance of it being stolen is to a degree out of my control.

Think when I renew I'll just change mileage to 100k a year, parked on the street :roll:

Tim.

As before, I never wrote this. Where did it come from? It gives the date as 18 May 2024 at 2312, but is not in my script. :thumbsdown:

 

[Beerman]

I have heard that garaging a vehicle can increase the premium, I don't get the thinking behind that. Just seems a nonsense.

Due to drivers damaging their cars coming in and out of the garage.

Most garages are too small for modern cars.

I never wrote this. Where did it come from? It gives the date as 18 May 2024 at 2312, but is not in my script. :thumbsdown:

I have no idea what has happened there.

It was TitanTim that I quoted. I don't understand why it has your username.

 

[TitanTim]

Due to drivers damaging their cars coming in and out of the garage.

Most garages are too small for modern cars.

I never wrote this. Where did it come from? It gives the date as 18 May 2024 at 2312, but is not in my script. :thumbsdown:

I have no idea what has happened there.

It was TitanTim that I quoted. I don't understand why it has your username.

Probably a glitch, think its happened before where its inserted a different member name in the quote, can be a little confusing

Tim.

 

[Zedebee]

I have heard that garaging a vehicle can increase the premium, I don't get the thinking behind that. Just seems a nonsense.

Due to drivers damaging their cars coming in and out of the garage.

Most garages are too small for modern cars.

I never wrote this. Where did it come from? It gives the date as 18 May 2024 at 2312, but is not in my script. :thumbsdown:

Sometimes when using the “insert quote in the quick reply form” function, it attributes the wrong user name. I use this function a fair bit and it picks up the wrong user name about 50% of the time. I know to check now, but Beerman probably never even noticed. It certainly wasn’t intentional.

 

[BeeEmm]

I just wondered why it happened.

 

[MikeyH]

Perhaps it’s getting confused because you both have almost the same username