Insurance

Discussion in 'General chat' started by DiscusbT, Sep 19, 2016.

  1. DiscusbT
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    DiscusbT Site Supporter

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    Due for renewal shortly on the x3, and then the e39 a week or two later. Been with LV for 2/3 years and been quite satisfied with the premiums which include multi car discount.
    Just got renewal terms for the x3, and allowing for the change last January from the e61 to the x3, and pro rata up for a full year, they want 16% more. Just after I got the x3 the windscreen was smashed and had to be replaced, but they are still showing 9 years,79.5% nc discount. They claim 3% is tax increase, but that still leaves 13% unaccounted for. So told them I am going elsewhere, and looking for suggestions please.
     
  2. Spuffington
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    Spuffington Moderator WARLORD Site Supporter

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    A-Plan insurance have had all my cars (and house) covered for the last few years and I can't speak highly enough of them. They use reputable and solid underwriters and always benchmark their policies with those you're likely to find on price comparison sites.
     
  3. K777
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    K777

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    try direct line they sometimes come in cheap if a new customer, also RAC came up trumps for my french GF not being able to use her French NCD.
     
  4. GunRunner
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    I have been with L & V for some years for our two cars. When my wife's car insurance became due, they wanted quite an increase in premiums, so I shopped around.

    My wife only does a few thousand miles each year and so I looked for a low mileage driver/car discount and ended up by cutting £100 per annum off the premium by going to Chaucer Direct. They have now changed their name to Geoffrey Insurance https://www.geoffreyinsurance.com/

    The site looks a bit strange (kids car stuff), but I am assured they are good. We are not up for renewal on my car yet, but as soon it is due, I will be giving them a call.

    From their site....

    About us
    Geoffrey Insurance Services
    Geoffrey Insurance Services (formerly Chaucer Direct) is an online motor insurance company based in the UK. Set up in 2008, it is a division of Zenith Marque Insurance Services (formerly Chaucer Insurance Services Limited) who have been providing motor insurance since 1965.

    At Geoffrey Insurance Services, we strive to do things differently and unlike other insurers, who offer lower premiums to attract new customers and bump up prices at renewal, we guarantee to give our renewing customers the best deal possible. You won’t need to haggle because we promise to give our loyal customers the lowest possible premium, added benefits and the best service, saving them time and money.

    In July 2015, Geoffrey Insurance Services became part of the Markerstudy Group of Companies. Markerstudy is an innovative and entrepreneurial company specialising in motor insurance services and associated claims handling. It is a rapidly expanding privately owned business, established in 2001, headquartered in Bessels Green, Kent and employing around 4,500 staff in locations throughout the UK. We’re proud to have been named in The Sunday Times 100 Best Companies to Work For, for four consecutive years and are committed to an ethos of ‘putting the fun into insurance’ for the good of our customers, employees and the community.

    What makes Geoffrey different?:

    • Award winning customer service from our UK based contact centre in Whitstable, Kent
    • 5 star Defaqto rated cover
    • Up to £100,000 legal protection at no extra cost to you
    • A guarantee that one person will handle your claim, from initial call right through to resolution
    • CII qualified professional contact centre staff
     
  5. Harry
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    Harry Site Supporter

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    If you are switching you will get a good deal from just about anyone. Just don't get too comfortable in the medium to long term because you will be overcharged to subsidise all that conquest business which is no longer you. I've lost count of the number of cycles I've been through on car insurance. Just gone to Hastings from Saga for the X6M. I've been with all the usual suspects including all companies and brokers so far mentioned in this thread. Direct Line churned me in 12 months. A-Plan after 3 years. Saga after 3 years. BMW after two years and so on and on and on and on and...........
     
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  6. Singvogel
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    Singvogel Moderator WARLORD Site Supporter

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    I'm currently with BMW - actually Alianz with a few minor BMW tweaks - as they include, at no extra cost, cover for more countries than most - i.e the EU plus several others that Avira for example charged me additional premium for.

    There are also plenty options that you can select to tailor the cover to suit your needs.

    I assumed - wrongly- that they would be expensive like most things with a BMW logo on - but got a pleasant surprise.
     
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  7. slim_boy_fat
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    slim_boy_fat WARLORD Site Supporter

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    ^^ I too was with them for a few years, until their premiums stopped being competitive.
     
  8. Harry
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    I was with them until they didn't know what an Alpina was. Bloody joke.
     
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  9. slim_boy_fat
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    slim_boy_fat WARLORD Site Supporter

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    :eek:
     
  10. Verbarthe
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    Verbarthe WARLORD Site Supporter

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    Does nt matter who you re insured with, or how long you ve been with them , attracting new customers is the name of the game for insurance companies, it s just the way they work . There is no such thing as a loyalty "discount " . Always be prepared to shop around , you ll be surprised at the savings .
     
  11. 21qazxsw
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    21qazxsw

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    If you want the best deal, you need to shop around every year. Never stay with the same insurer.

    I've used A-Plan (site sponsor of the former BMW Land) for the past few years and I've found them to be very good, but not the cheapest. The only reason I went with them (i.e. a more expensive broker compared to an internet quote) is because their Thatcham office is about 15 minutes drive from where I live, and I value (HIGHLY!) the ability to walk into their office, talk to a real person face to face, get a deal done, pay cash, and walk out with all my insurance paperwork.

    With internet quotes, they're based somewhere in another country, you have to call a premium rate number to try to talk to them (in another country), you can never get hold of them, they often get your details wrong, which then requires you to call them up... ... ... The paperwork arrives days later, you check through them and your details are still wrong... ... ... ... (you get the idea).
     
  12. DiscusbT
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    So far Direct Line have come up cheapest. I even got a slightly cheaper quote from my existing insurer LV, using the Money Supermarket system,
     
  13. DiscusbT
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    Most unimpressed with Geoffrey. Tried to get an on-line quote a week ago, but couldn't get past the valuation box, it kept saying that it was the wrong format. Emailed them, and they promised a reply within 3 days, however still waiting for that.
    This morning started again, and got well past the previous block, but bogged down at the previous claims bit, because I had a windscreen replaced 7 months ago. Was it my fault, I don't think so, but nobody said, so that's a guess. How much was the claim, no idea. So I rang them up, and was told if just a windscreen claim then say no claims. So I ask, why is a windscreen included in the type of claim, and she just says, put no claims. So I say, please make a note then that I did have a windscreen replaced. So I carry on, fill in my wife as additional driver, and finally, having spent overall about an hour on this, they say, sorry we can't offer you a quote at this time.
    Looks like it will be Direct Line.
     
  14. 21qazxsw
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    21qazxsw

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    It certainly is very frustrating! I hate insurance renewal time for anything (car, home insurance, etc.)

    Sometimes I think that it's worth paying slightly more just to get through the process easier and quicker.
     
  15. Harry
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    Harry Site Supporter

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    Direct Line will usually give you a cracking price to join them. You'll be leaving them this time next year. But that's next year.
     
  16. DiscusbT
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    Finally went with Direct Line, not a lot in it. Decided to change though, because the X3 had increased so much, but the e39, due shortly, has actually gone down a little. After pointing this out to them, and showing that an actual decrease negated all their reasons given for increasing the X3, same drivers, though the other way round, same use, same address, same history, same tax increase, etc etc, they finally said they couldn't explain my increase.
    However one sad fact about the Direct Line policy, about which I am totally devastated, is that the policy actually states that I can't drive it on the Nurburgring. If I'd only spotted that before!
     
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  17. Harry
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    Harry Site Supporter

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    That's a blow.
     
  18. Singvogel
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    Singvogel Moderator WARLORD Site Supporter

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    Very few (if any) UK insurers will cover you on the 'Ring.

    Not excluding the 'Ring in their terms and conditions doesn't mean that they do provide cover.

    Those who don't specifically exclude it will likely weasel their way out of a claim due to the 'Ring being deemed a 'prepared course' rather than the public highway which it is.

    They may well pay out to third parties - damage to other vehicles and damage to 'Ring armco etc. - but they may well claim it back from you.

    Here is a link to the Bridge to Gantry comment on UK Insurance - or lack of it.

    They hide behind two particular paragraphs, one an exemption and one a binding agreement with the policy holder. The first is that Nürburgring Nordschleife, even during public sessions, is a 'prepared course', a race track or even a circuit. I don't know what they all mean exactly, but I CAN tell you that the UK Insurance Ombudsman did come to a final decision about the Nürburgring Nordschleife and its public sessions. He said that the track is a prepared course.

    Link to the full article:

    http://bridgetogantry.com/2/index.p...-nuerburgring-insurance-an-inconvenient-truth

    Ignore the Achtung Warning - just scroll down to read the article.

    Back in the day was I was rallying on a regular basis I had huge problems with insurance for events (even on closed roads) outside the UK.
     
  19. DiscusbT
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    I was joking, my name is not Sabine.
     
  20. Singvogel
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    Singvogel Moderator WARLORD Site Supporter

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    Shame - the 'Ring is a great experience.

    My Insurance Co (BMW aka Allianz) don't mention the 'Ring but have a cleverly worded catch-all exclusion.

    Under 'What is not covered' one finds this:

    4. Your car being used for racing, rallying, speed testing, speed trials, off road events or driven on a motor sports circuit.
     

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