Insurance (general moaning thread)

[Gavster]

Surely the quote is saved? I've not had a saved quote increase in price.

The quote was saved when I checked a couple of days later but was greyed out when she bought the car 10 days later!

It does seem tricky if you buy a new car and need a new policy!

I had a similar thing happen when I bought my 4 series in 2021. Got a decent quote, bought the car a few days later, went back to accept the quote and it jumped up a few hundred quid!

[DeskJockey]

Looks like those Range Rover prices won’t be falling any time soon

£183,000

[mr_jon]

Dude 100% in on it.

[Gavster]

Which have done an article about insurers you won’t find on comparison sites

https://www.which.co.uk/news/article/th ... _KiHphpoxQ

[jamcg]

Last years premium with Aviva £388.35
Renewal with Aviva £562.97

An increase of £174.62

Found for £447.93 with 1st central, a saving of £115.04 over auto renewal, but still an increase of £59.58 over last years policy

[tim]

1st Central are on a roll at the mo - I insured my Jag with them for £100 less than everyone else. This happened a few years back with my M135i too, all of a sudden they were loads cheaper.

[Ascender]

We'll be trying to get the girl insured on the 1 litre Corsa this week, your thoughts and prayers for my monthly premiums will be appreciated.

[Jimmy Choo]

esure wanted to go from £458.76 to £639.84. I've talked to the over the last couple of years and they've come down to the same as the quotes I've been having elsewhere. This time they dropped to £590, then to £560. with a total of £750 excess

Nutshell have quoted £360 with £500 excess and using go compare I've got £250 excess cover. Unsurprisingly, I've gone for them.

[Jimmy Choo]

I was chatting to my neighbour. 34, male, zero no claims, 2 years driving and his first car is a 18 year old diesel C class.

He's paying £360 as well only his is per month.

[DeskJockey]

We might have to move this to the General section.

Home and car insurance are due in the next few weeks (annoying timing, but such it is). The home policy is going up by £3, and car insurance for both cars, with no changes to anything, is dropping £160.41.

That feels like a win to me.

[John]

We might have to move this to the General section.

Home and car insurance are due in the next few weeks (annoying timing, but such it is). The home policy is going up by £3, and car insurance for both cars, with no changes to anything, is dropping £160.41.

That feels like a win to me.

Hmmm, I've just gone through the usual game with the insurance for our motorhome.

The renewal was £70 more than last year which bearing in mind I'm an old fart, haven't claimed and the motorhome is now worth less than last year so it annoys me that they try it on. So I did the usual and ignore all the renewal emails/letters and they phone me just before it is due. After a bit of backwards and forwards they agree to cover for last years premium

[Explosive Newt]

Home insurance renewal time. There has been a change on our policy from last year stating that emergencies relating to the underfloor heating would not be covered. I take this to mean that if the underfloor heating should fail we would not be covered for a repair to the heating, but if our underfloor heating should malfunction in some manner which causes damage to the structure of the house (i.e. flooding) we would be. However it is supiciously difficult to get the broker to confirm this in writing which is making me kind of dubious.

[Gavster]

Just made a scary phonecall to update my building insurance. Due to the dispute with neighbours, I have a surveyor's report which states their property is not fit for human habitation . I've also been warned that as we get closer to evication, there is a higher risk of retaliation of some kind so must ensure that insurance is up to scratch and accurate.

You know when you get building insurance, and they ask "Is the property in a good state of repair?", I've just had to answer 'no' to that I am now awaiting a call back with the fate of my policy, she suspected they will need to cancel it

[GG.]

Just made a scary phonecall to update my building insurance. Due to the dispute with neighbours, I have a surveyor's report which states their property is not fit for human habitation . I've also been warned that as we get closer to evication, there is a higher risk of retaliation of some kind so must ensure that insurance is up to scratch and accurate.

You know when you get building insurance, and they ask "Is the property in a good state of repair?", I've just had to answer 'no' to that I am now awaiting a call back with the fate of my policy, she suspected they will need to cancel it

Is that comment about not fit for human habitation related to the condition of the structure itself though? Perhaps it was remembering the state of the photos you posted on here but may be worth ensuring the comment directly related to the building structure rather than the internals/lack of sanitation etc.

[Gavster]

The surveyors report notes damp, unsafe electricals, missing wall sections and more. It would be hard to argue it’s “a good state of repair” if my neighbours decided to torch the place.

[Rich B]

i expect it’s like they say about informing your insurance company when you’re doing renovation works.

[mik]

Erk.

Are there specialists who cover this type of scenario?

[Gavster]

i expect it’s like they say about informing your insurance company when you’re doing renovation works.

I was just chatting to a friend about that, becuase he was surprised to learn he wasn't insured for building works when he was having kithchen re-done (involving moving windows etc)

@mik There are speciliasts, I'm onto that now. They're the kinds of companies who specilaise in vacant properties that are awaiting redevelopment.