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Post by Big Blue on Sept 15, 2017 12:54:15 GMT
I've just changed life policy and they're no less bastards there than they are with cars.
One insurer (L&G) increased my premium quote as I ride a motorcycle on the road. By 90%. They actually stated this as the reason for the increase as well. So it wasn't them.
The one I went with (Aviva) would have taken racing as a risk (reasonable - and when I used to race in my 20s I had separate insurance anyway) but didn't ask about road riding, which is just living life in the 20th century.
Anyone else do something (aside from smoking and drinking) that changes their risk profile?
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Post by johnc on Sept 15, 2017 14:10:09 GMT
Apparently as an Auditor, I am less of a risk than if I call myself an Accountant! Figure that!
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Post by Tim on Sept 15, 2017 15:03:52 GMT
Apparently as an Auditor, I am less of a risk than if I call myself an Accountant! Figure that!
Having just had the auditors in here for a week plus another 2 weeks of follow up emails and phone calls about things they really should've covered off when on site I'd suggest that being an auditor might not be an entirely safe career choice (and that's speaking as an ex-auditor!).
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Post by bryan on Sept 15, 2017 15:18:10 GMT
Try being overweight - the whole system is bonkers to me. You put down your weight and medical history on the life insurance form and then they go to the expense of sending out a nurse to check vitals (BP120/80, cholesterol <3, no sugar in wee etc - not too shabby for a fat bloke)and weight matching the application. Then you get the response back declining coverage due to weight!!
I could understand it if they declined at the application stage but it is the nurse bit/confirming the info they were told I don't get!
Anyway got cover through work which is based on age and the fact I must be relatively OK if I turn upto work every day!
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Post by Deleted on Sept 15, 2017 16:19:08 GMT
?
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Post by Stuntman on Sept 15, 2017 21:57:02 GMT
Apparently as an Auditor, I am less of a risk than if I call myself an Accountant! Figure that!
The only risk that auditors face is dying of boredom. |
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Post by Bob Sacamano v2.0 on Sept 16, 2017 17:51:39 GMT
I've just changed life policy and they're no less bastards there than they are with cars. One insurer (L&G) increased my premium quote as I ride a motorcycle on the road. By 90%. They actually stated this as the reason for the increase as well. So it wasn't them. The one I went with (Aviva) would have taken racing as a risk (reasonable - and when I used to race in my 20s I had separate insurance anyway) but didn't ask about road riding, which is just living life in the 20th century. Anyone else do something (aside from smoking and drinking) that changes their risk profile? I'm surprised that riding a motorcycle only loads it by 90% TBH. |
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Post by Blarno on Sept 16, 2017 19:43:30 GMT
I changed my job type from Automotive to Manufacturing on my car insurance and it dropped.
Life/Car/Bike/whatever. They're just different cheeks of the same arse.
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Post by LandieMark on Sept 19, 2017 13:35:36 GMT
I took out a whole of life (when it actually meant that rater than a long term policy) many years ago so it isa relatively cheap still. I probably wouldn't be able to get cover these days at anything near affordable.
My car insurance is due. Heritage have reduced the level of cover and the price is the same. I have separated all the vehicles once more - TVR insured with Footman James for £209, Mazda with Quotemehappy at £160 and it is likely I will be going with Adrian Flux for the Land Rover at £360. Saves over £100 and the cover is more (i.e includes legal etc.).
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Post by Bob Sacamano v2.0 on Sept 19, 2017 13:54:31 GMT
I've just renewed the Qashqai for £322 with 9 years NCD. I've got to be a bit careful how I list Mrs.Sacamano's occupation because as soon as insurance companies hear the words "Professional Sports Team" they seem to think they are now insuring Wayne Rooney on a night out. I did suggest to her she just enter "Fluffer" under occupation but she didn't seem to find that funny.
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Post by johnc on Sept 19, 2017 14:05:48 GMT
My wife's A5 insurance came in at the weekend and it was c£100 cheaper. Didn't bother to look and just renewed.
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Post by alf on Sept 20, 2017 8:24:12 GMT
My life insurance (basic policy to cover the mortgage only) went from something like £9 a month to £14 when I started the Caterham racing and was told I had to rearrange it. Annoying as fatalities from club car racing in the UK are very rare, and dwarfed by deaths from fishing (just the lake/river amateur kind) but they don't charge more for that.
The insurer has done well too as I last raced in 2003 and am still on that policy - I switch everything else around but never bothered with this, always assuming I would when I next moved house, which has not yet happened...
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Post by Deleted on Oct 15, 2017 8:59:14 GMT
Flux had £315 from me last year including a courtesy car and NCD protection - this year they seem to want £340 without either - adding them makes it more like £380. Will be having a word on Monday, I think - though I'm a bit limited for choice as the car is chipped - anyone have any other suggestions?
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Post by Martin on Oct 15, 2017 9:58:47 GMT
Insurance seems to have jumped significantly since his time last year, so you might not be able to do better.
I’ve just had my renewal through. £650 last year inc extras (upgraded loan car, protected NCB, legal) and the renewal is for £798. Nothing has changed in the last year apart from an extra years NCB. I’ve been on a couple of comparison sites and only Hastings is cheaper (just over £100) but they have a terrible reputation, everyone else is between £830 and £1200.
I’ve been with Direct line for the last 3 years and auto renewal has always been the best option. Worth checking again though, so I went through the new quote process with them and it came to £1480!
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Post by LandieMark on Oct 15, 2017 10:03:00 GMT
Christ, that seems somewhat excessive. Must be mileage and job related risk.
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Post by Martin on Oct 15, 2017 10:15:16 GMT
Christ, that seems somewhat excessive. Must be mileage and job related risk. Must be, but the 535d is more expensive than you’d think based on the insurance group, I’ve no idea why. Out of interest, I changed it to a brand new Macan Turbo PP with a value of £80k and the range on confused.com was £850 to £1050. The Boxster was £400. |
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Post by PG on Oct 15, 2017 12:52:48 GMT
Christ, that seems somewhat excessive. Must be mileage and job related risk. Must be, but the 535d is more expensive than you’d think based on the insurance group, I’ve no idea why. Out of interest, I changed it to a brand new Macan Turbo PP with a value of £80k and the range on confused.com was £850 to £1050. The Boxster was £400. Double Christ!! I only pay £420 for the XFR. Bizarrely, with the same company, my insurance went down when I went from a V8 XF to and XFR. They said that XFR's had better accident records. |
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Post by Deleted on Oct 16, 2017 10:23:19 GMT
Modification seems to be going more mainstream in terms of insurance - the section on Confused.com was very helpful, and saved a few quid.
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Post by racingteatray on Oct 16, 2017 11:36:07 GMT
I think diesels are oddly expensive to insure compared to petrols.
We are due to renew the insurance on both cars in a month's time (multicar policy with Admiral). Be interesting to see what it comes back at - last year it jumped a bit from the M135i to the 440i on the grounds that the 440i was "new to me" and that upped my probability of crashing from a statistical perspective.
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Post by michael on Oct 16, 2017 11:46:02 GMT
I think diesels are oddly expensive to insure compared to petrols. We are due to renew the insurance on both cars in a month's time (multicar policy with Admiral). Be interesting to see what it comes back at - last year it jumped a bit from the M135i to the 440i on the grounds that the 440i was "new to me" and that upped my probability of crashing from a statistical perspective. Is that how it works? My insurance went down from D3 to XC70 even though it was a much more expensive car to replace and fix. I put it down to Volvo drivers being saintly low-risk dullards. |
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Post by racingteatray on Oct 26, 2017 21:52:58 GMT
Well I managed to get it back down by from £600 to £450 this year, so I guess it does.
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Post by Deleted on Oct 27, 2017 12:14:12 GMT
My new post code makes a £40 difference, upwards of course. Considering how quiet a locality, not best impressed.
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Post by Roadsterstu on Oct 27, 2017 16:10:12 GMT
An interesting thing I have been pondering with regards insurance is what difference do optional safety systems make to premiums? For example, why shouldn't I get a discount for having all the driver assistance gubbins such as collision avoidance, pedestrian detection, active city braking etc? The question is never asked though.
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Post by Bob Sacamano v2.0 on Oct 27, 2017 17:05:18 GMT
An interesting thing I have been pondering with regards insurance is what difference do optional safety systems make to premiums? For example, why shouldn't I get a discount for having all the driver assistance gubbins such as collision avoidance, pedestrian detection, active city braking etc? The question is never asked though. It's factored into the insurance quote they offer, they know your car has it fitted. |
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Post by Martin on Oct 27, 2017 17:08:28 GMT
They won’t, as it was an option on the Volvo.
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Post by Boxer6 on Oct 27, 2017 22:06:36 GMT
They won’t, as it was an option on the Volvo. In which case it'll be more, as it makes the car "not standard". The fact the option(s) may be safety orientated matters not a jot. |
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Post by cbeaks1 on Oct 27, 2017 22:11:43 GMT
Factory options don’t count do they? I’ve never declared a factory option. What are the chances most non-spotter second hand buyers will know if they have a BMW super comfort merino wool ortho massage armrest etc?
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Post by Boxer6 on Oct 28, 2017 10:19:41 GMT
Factory options don’t count do they? I’ve never declared a factory option. What are the chances most non-spotter second hand buyers will know if they have a BMW super comfort merino wool ortho massage armrest etc? Listen, these are car insurers we're talking about here; they would charge you extra for changing the colour of your socks if they could! I think I have seen more than a few places where they would charge you for such things as tinted windows, fog lights and the like. I do know that LV wanted an extra £43 p/a for having braided lines and non-Subaru brake pads fitted. Yet another reason to mug them off! |
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Post by LandieMark on Oct 28, 2017 12:08:15 GMT
Admiral request that you notify them of any factory options.
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Post by Alex on Oct 29, 2017 6:36:29 GMT
Indeed I've heard of rather annoyed car owners who've had optional Xenon lights and following a minor accident have found them replaced by the insurance company with standard halogen units. I think Auto Express ran an article about it some years back as there were a lot of cases of repairs to cars not including any optional extras. Likewise there were instances of cover being refused due to optional extras making the car non-standard regardless of them being factory fitted.
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