Safe Speed Forums

DAYINSURE! Yes thats right, following the news that the any car extension will shortly be withdrawn Norwich Union have introduced DayInsure which specialises in short-term insurance. Of course this is pure coincidence and can no way be interpreted as a money-making ploy

I've only just noticed this on their website as my insurance is due for renewal very soon. That's another scandal, the renewal came through the post as being £800! But if I quote myself(still with NU) as a new customer it's only £550! I'll be having words about that!

I would love to boycott NU but everywhere else is really uncompetitive by a long way. I can't go the classic insurance route as I do too many miles in it and it's my only car and not garaged, all of which means classic polices don't cover me or are too expensive.

But everyone else, if you can, don't buy from Norwich Union!

never, never, never renew your policy without getting a re-quote. One time I phoned the insurance company to re-new and I used the wrong number. I got through to the sales number (not renewals) and they quoted me. It was 20% cheaper than the quote they gave me on the renewal form...

After then I have always phoned for a re-quote before I renew. It is ALWAYS cheaper than the price quoted on the renewal. The three bikes and a car are all with different insurers and they all do the same.

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Speed camera policy Kills

Much as I'd love to side with you Capri, we did buy from them this year.

The ONLY reason they got our business was because their quote was highly competitive though...... fully comp in a 5 year old 2 litre Mondeo was £300 from them as opposed to over £400 from everybody else.

No doubt it will go back to the "normal" price next year, but then I will let my feet do the talking if that is the case.

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What makes you think I'm drunk officer, have I got a fat bird with me?

Not going to use Norwich Union this time around anyway as they were among the most expensive

£1700 for my Legacy vs £1050 from Hiperformance or £1100 from A-Plan.

More like "Quote me crappy" IMO

i

I got a renewal from Directline, which was way up on last year, so got a new quote online, and found it saved £55.
Flushed with success, I then searched 13 different companies, and found Admiral.Com were the cheapest.
I rang Directline to cancel the automatic renewal and was asked why I was cancelling, so I had an amusing 10 minute chat with the Scottish lady manning their phone!!
First I explained about the new quote being lower than renewal, and she said "We are encouraging customers to use the internet, as it keeps down costs - you enter all the information yourself""Renewal costs you NOTHING.." I reply.." - you simply extend the cover, all the info. you need is already in place"
"Oh. Have you received a lower quote elsewhere?" "Yes - Admiral.com"
"May I ask how much?" "£343 + breakdown at £72" (Directline charge £88 for breakdown)
"Oh." "AND" say I, "Admiral have quoted me based on 12,000 miles per annum, instead of the 10,000 I was quoted for from Directline"
"We rather seem to have shot ourselves in the foot haven't we" she says "would you mind if I flag this as a complaint rather than a failure to renew?"
"OK" says I "If you like I'll wrap it around a brick if it would make a difference. By the way, there is a very usefull web forum which is reporting which company gives the best value for money, and it says you are ALL sharks!!"
My warning regarding Admiral was that they charge to replace the certificate, or change address, and if asking for a re-fund drag their heels to reduce the period refunded. Ha! Norwich Union did that to me, which is why I went to Directline.

My advice? Always get a requote from ALL companies EVERY year, rather than just renew. If you hate those foreign call centres - then Admiral might not be for you - the chap I spoke to was based in Wales :D
His accent was not easy to follow!

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Time to take responsibility for our actions.. and don't be afraid of speaking out!

Heh I'm being just as hypocritical, I've had a ring round and it looks as if I'll have no choice but to renew - but as a new customer. Rang them up and they said just to take out a new policy online.

Interestingly Tesco were very competitive online, but my alarm/immobaliser is not on their list and they won't insure it without one While thefts of Capris are not unheard of, I was highly suprised that a Cat2 system was a requirement. I'll give them a ring though and see if they can get round it but I'm not hopeful. If they accept it then they are a whopping £4 cheaper! Plus I'll have the satisfaction of moving from Norwich Union!

I usually try confused.com they are pretty good, listing the major UK insurers and underwriters found 7 different quotes from Zurich but through different companies QuickFit, National etc, they then give you a link to the company's website to finalise the quote.

There are some company's that won't allow confused.com to link into them, funnily enough when I phoned these other companies they were pretty outrageous £1,200 instead of £400, incidently I've used QuickFit last time, would avoid like the plague, lots of junk mail, phone calls and e-mails all trying to sell other services but it took them SIX MONTHS to actually get an insurance cert & policy from them. I ended up cancelling the policy and re-insuring.

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Gordon Brown saying I got the country into it's current economic mess so I'll get us out of it is the same as Bomber Harris nipping over to Dresden and offering to repair a few windows.

Chaos, panic and disorder - my work here is done.

http://www.wildcrafts.co.uk

That's reason enough for me to ignore them.

They want so much information (waiting for them to start asking for inside leg measurement) that I really can't be bothered entering it more than once.

Doesn't surprise me that Cat2 is a minimum for some insurance companies mate, I used to be able to gain entry & start the engine of any of the older Fords in under 15 seconds in my younger days using nothing more than a scissor blade from a pair of nail scissors.

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What makes you think I'm drunk officer, have I got a fat bird with me?

I've found Churchill and Directline the cheapest by far but then that's just me.

SOmeone mentioned it earlier but has anyone noticed that the questions they now ask, now take the pee. There's more and more personal questions peeking in that are more associated with life insurance applications.

The cheeky baskets also send out literature when you tick/untick the box that states, please do not send me further information about our offers etc.

Fair point, on my previous Capri I managed to open the door with an old XR2 key(I think) of my brothers ! It didn't start it though. However I've got deadlocks fitted and usually put an Cat3 steering lock on as well as the alarm/immobaliser. I don't expect the insurance companies to take things like that into account, afterall I'm just a number . I'm confidant though that I've got enough security to make all but the most determined theif think that it would be too much hassle.

I tried confused.com by the way and the cheapest they found for me was £1020!!!

So it was YOU!!!
What have you done with my metallic emerald green Fiesta???

Surely a Capri is worth as much in parts as it is as a whole - possibly more?
Is yours BLUE by any chance??

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Time to take responsibility for our actions.. and don't be afraid of speaking out!

a friend and I both had mkII escorts at one point and we could start each others cars no problems...

On a related note, insurers always ask if you have any points or convictions in the last 5 years, but from what I can tell, speeding points only last for 4 years after which point they are considered "spent"

Does the rehabilitation of offenders act come into play here, whereby spent convictions don't count and you are not obliged to give them that information?

It doesn't apply to me this year, but it will next year.

The normal cut-off point for minor offences under the Rehabilitation of Offenders Act is five years, so the question is in line with that.

The big anomaly is in drink-driving offences, which stay on your licence for eleven years, but are officially "spent" after five.

Incidentally, there was a lot of criticial comment about Norwich Union's decision to withdraw the "driving other cars" clause in the Sunday Times today. They may find it is bad publicity. I certainly wouldn't insure with them after that, although on several occasions in the past few years they have given me totally uncompetitive quotes anyway.

Another point to watch is insurers removing comprehensive cover if the driver was committing certain driving offences at the time of the crash.

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"Show me someone who says that they have never exceeded a speed limit, and I'll show you a liar, or a menace." (Austin Williams - Director, Transport Research Group)

Any views expressed in this post are personal opinions and may not represent the views of Safe Speed

Correct Peter.

The NU was also criticies in the Sunday Express over these decisions.

AA Insurance has warned that the NU policy will backfire and lead to an increase in uninsured driving. NU justifies its decision to remove DOC clauses from fullyu comp policies because drivers were abusing the privilege and inusring a cheap car and then using the third party perk to drive an expensive model

However, the AA warns that drivers may not realise the DOC clause has been struck off their policies and continue to use the perk "in ignorance or necessity" leaving themselves open to prosecution. The AA reminds that fully comp drivers have enjoyed this privilege for many years and will assume they still benefit from this perk of fully comp cover. (If this is removed - perhaps the premium will be reduced? It should be as there is LESS cover than previously but hell will freeze over before such a consideration is given to customers - no doubt! )

The AA who have no plans to remove DOC warns that the removal of DOC will worsen the situation. (All ANPR does in reality is tell us the legal doc situation from a data base and it could be a fully comp driver on third party behind the wheel - which is why I suggest keeping a photocopy of the policy with you and fethch the original on a producer ) Could be that insurance will be car and not person in the future per EU requirements - and a separate policy to cover the driver. All money making of course.....for someone....

NU spokesman is reported:





The last two sentences don't make much sense to me. If a person cannot obtain third party DOC cover on a fully comp plicy as NU have phased it out - then I think the change has been "forced" on customers here.

And how does an insurance company take a compassionate view of an emergency whereby person drove a car without insurance? That is not even down to us - we have to refer to CPS and it's then up to the Mags or higher court to show "compassion"


And how the hell do you foresee an "emergency"? An emergency is an unforeseen or suden occurrence - of a danger of somethng requiring immediate action and a snap decision

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Take with a chuckle or a grain of salt
Drive without COAST and it's all your own fault!

A SMILE is a curve that sets everything straight (P Diller).

A Smiley Per post
FINES USfor our COAST!

Approach love and cooking with reckless abandon - but driving with a smile and a COAST calm mind.

I have to say in 29 years of driving I have never used the third-party extension even once - but it is a very valuable thing to have in the case of an emergency.

Until 1998 I always had "any driver" cover on my insurance policies, primarily to allow my father to drive. He still has the same on his policy - we decided to ditch it on mine as it gave a saving of around £60 a year and I had bought a larger and more powerful car that realistically he wasn't likely to drive.

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"Show me someone who says that they have never exceeded a speed limit, and I'll show you a liar, or a menace." (Austin Williams - Director, Transport Research Group)

Any views expressed in this post are personal opinions and may not represent the views of Safe Speed

I only bought a 2.8 version on the basis that NU were offering me a good price and giving me the ability to drive other cars on TPFT...... as I've been finding I can't get a decent quote elsewhere so it looks like the rug will be pulled out from underneath me

COV is very usefull, apart from the conveinience I've used it to drive someone elses car when they've been feeling unwell, carshare on long journeys etc. are these not important safety issues?

personally I've been with priviledge for years, usually get a few other quotes come renewal time but they seem to stay competative, or what passes for competative when you live in a referal area.

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Fear is a weapon of mass distraction