Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and pressed the button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.

On 29/11/2017 11:27, harry wrote:
Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and pressed the button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.


You have my sympathy on this. The insurers are so fixated on getting new
business, rather than retaining old business, that they give a large
discount to new business in the first year whilst hiking up the premiums
for existing customers to pay for it.

I'm with the Coop, and they offer a substantially lower premium if I
sign up again with them online compared to if I simply renew. Aviva are
half the price if I transfer to them, but no doubt it will shoot up next
year.

GB wrote:

I'm with the Coop, and they offer a substantially lower premium if I
sign up again with them online compared to if I simply renew. Aviva are
half the price if I transfer to them, but no doubt it will shoot up next
year.

I moved back to Aviva again last year, as they offered me a good
deal, and this year's renewal is actually even less. ;-)

Chris
--
Chris J Dixon Nottingham UK


Plant amazing Acers.

"GB" wrote in message
news
On 29/11/2017 11:27, harry wrote:
Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage
cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and pressed
the button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in
minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.


You have my sympathy on this. The insurers are so fixated on getting new
business, rather than retaining old business, that they give a large
discount to new business in the first year whilst hiking up the premiums
for existing customers to pay for it.

I'm with the Coop, and they offer a substantially lower premium if I sign
up again with them online compared to if I simply renew. Aviva are half
the price if I transfer to them, but no doubt it will shoot up next year.

I was with Direct Line for many years and just paid whatever was quoted for
renewal. Then someone suggested I threaten to go elsewhere and see what
revised quote they come up with. I did this and they reduced quite a lot (a
couple of hundred pounds) but I found that another company gave me an even
cheaper quote - and I checked that the benefits (eg protected no-claims,
legal fees etc) were the same in both cases.

The Direct Line person sounded embarrassed when I asked why they'd been able
to reduce their quote when I asked them, but initially quoted higher, and
admitted that they wanted to attract new business.

In article ,
harry wrote:
Bloody Crooks! Car insurance was due for Roller. (Lancaster, specialises
in heritage cars) Was quoted by post and Email £135 (This was up by £30
on last year). WHY? So went on line, (Gocompare) spent ages filling in
details and pressed the button. GUESS WHAT? Came up with same insurance
company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.

You could have posted the same thing each year since comparison sites
started. About virtually anything.

I don't bother with a specialist insurer for an old car. Too many
restrictions. Agreed value may seem worthwhile - but what are the chances
of a total loss anyway? And I've yet to hear of anyone personally who's
had the agreed value paid out.

--
*How do they get the deer to cross at that yellow road sign?

Dave Plowman London SW
To e-mail, change noise into sound.

On 29/11/2017 11:27, harry wrote:

Two minutes later phone rings. Lancaster insurance.

(1) Amazing how the spy network/links work (they were ringing me in minutes of pressing get quote button.

I made the mistake once by putting my real phone number in a compare
insurance site. My answerphone took around 40 calls the week after!

All insurance companies penalise you by around 20 to 30% if you show any
loyalty.

--
--
mailto : news {at} admac {dot} myzen {dot} co {dot} uk

On 29/11/2017 12:14, Chris J Dixon wrote:
GB wrote:

I'm with the Coop, and they offer a substantially lower premium if I
sign up again with them online compared to if I simply renew. Aviva are
half the price if I transfer to them, but no doubt it will shoot up next
year.

I moved back to Aviva again last year, as they offered me a good
deal, and this year's renewal is actually even less. ;-)


Be careful with reductions on renewal.

The sneaky trick is to change the excess amounts by a large amount
upwards, especially glass (broken/chipped windscreen etc). Don't assume
that the proposed new policy is the same as the old

There may be a reduction due to the age band you fallen into and another
insurer may still have a cheaper policy for the same cover.



--
--
mailto : news {at} admac {dot} myzen {dot} co {dot} uk

On Wednesday, 29 November 2017 13:53:59 UTC, Dave Plowman (News) wrote:
In article ,
harry wrote:
Bloody Crooks! Car insurance was due for Roller. (Lancaster, specialises
in heritage cars) Was quoted by post and Email £135 (This was up by £30
on last year). WHY? So went on line, (Gocompare) spent ages filling in
details and pressed the button. GUESS WHAT? Came up with same insurance
company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.

You could have posted the same thing each year since comparison sites
started. About virtually anything.

Not car hire. Hiring direct was way cheaper than any comparison site


NT

all insurance is theft ...............

On 29/11/2017 15:17, Jim GM4DHJ ... wrote:
all insurance is theft ...............




Drink herbal tea, as proper tea is theft.

harry wrote:

Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and pressed the button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.

The RAC and the AA are as bad if not worse - in fact just about anyone who
has annual renewals these days. The RAC are particularly good at selling
your data to others. Quote Me Happy (Aviva's online only setup) have been
one exception the last couple of year's - their renewal quotes have been
reasonable. Personally, I think screwing existing customers amounts to
fraud and would like to see "one price for all" enshrined in the Law.

--
Bob
Tetbury, Gloucestershire, England

A book is a man's best friend, outside a horse or a dog - inside a horse or
a dog it's too dark to read anyway.

alan_m wrote:

On 29/11/2017 12:14, Chris J Dixon wrote:

I moved back to Aviva again last year, as they offered me a good
deal, and this year's renewal is actually even less. ;-)

Be careful with reductions on renewal.

The sneaky trick is to change the excess amounts by a large amount
upwards, especially glass (broken/chipped windscreen etc). Don't assume
that the proposed new policy is the same as the old

There may be a reduction due to the age band you fallen into and another
insurer may still have a cheaper policy for the same cover.

Fair comment, but everything looks OK right now.

Chris
--
Chris J Dixon Nottingham UK


Plant amazing Acers.

Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

Chris
--
Chris J Dixon Nottingham UK


Plant amazing Acers.

On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)
Or I legally have to. (Car)

On 29/11/2017 15:40, harry wrote:
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)
Or I legally have to. (Car)


To be precise, you only have to insure 3rd party liabilities when you
drive. You could not afford to self-insure bodily injury claims.

On Wed, 29 Nov 2017 15:23:47 +0000, Bob Henson
wrote:

snip

The RAC and the AA are as bad if not worse - in fact just about anyone who
has annual renewals these days.

A quick haggle with the AA seems to result in a good discount ('I've
been with you over 30 years and have only called you out how many
times?'. ;-)

snip

Personally, I think screwing existing customers amounts to
fraud and would like to see "one price for all" enshrined in the Law.

It would be 'discrimination' (new customers over old) at least
wouldn't it?

Cheers, T i m

Yes its just the same as everything else they will try it on first. Energy,
telecoms and almost everything else till you query it.
Brian

--
----- -
This newsgroup posting comes to you directly from...
The Sofa of Brian Gaff...

Blind user, so no pictures please!
"harry" wrote in message
...
Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and pressed the
button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in minutes
of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.

harry wrote:
Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage
cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and
pressed the button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in
minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.

I seem to remember that there is a box you can tick/untick if you do not
wish to be telephoned by a sales person.

T i m wrote:

On Wed, 29 Nov 2017 15:23:47 +0000, Bob Henson
wrote:

snip

The RAC and the AA are as bad if not worse - in fact just about anyone who
has annual renewals these days.

A quick haggle with the AA seems to result in a good discount ('I've
been with you over 30 years and have only called you out how many
times?'. ;-)

True, and that's what I do. I just go from one to the other if they won't
give me the new customer price. For a couple of years the RAC have given me
the reduced price and maybe now someone has marked my computer record
because this year there was, for the first time, only a small increase
anyway. I don't suppose for a minute it was just me - I guess after a few
thousand people left each year they may have cottoned on to the fact that
looking after existing customers costs less than paying staff to haggle.
I'm not naive enough to think they care an s**t about customers though -
the only thing they understand is lost profits.


Personally, I think screwing existing customers amounts to
fraud and would like to see "one price for all" enshrined in the Law.

It would be 'discrimination' (new customers over old) at least
wouldn't it?


I would have thought so - present Law should really suffice to stop it.
However, like many other things, that would requires less PC, left-wing
liberalism in the judiciary.

--
Bob
Tetbury, Gloucestershire, England

Chinese philosopher say: Man who walk round examining beauty of sky and
clouds tread in more dog-muck than most.

"Chris J Dixon" wrote in message
...
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

I do for everything except house, motorbike and car insurance ....eg I put
£20 away in a tin each month to sort out the cat ......

"GB" wrote in message
news
On 29/11/2017 15:40, harry wrote:
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)
Or I legally have to. (Car)


To be precise, you only have to insure 3rd party liabilities when you
drive. You could not afford to self-insure bodily injury claims.

try getting travel insurance when you have had a liver transplant......

"alan_m" wrote in message
...
On 29/11/2017 11:27, harry wrote:

Two minutes later phone rings. Lancaster insurance.

(1) Amazing how the spy network/links work (they were ringing me in
minutes of pressing get quote button.

I made the mistake once by putting my real phone number in a compare
insurance site. My answerphone took around 40 calls the week after!

All insurance companies penalise you by around 20 to 30% if you show any
loyalty.

Mine doesnt, and is too stupid to even check that I now
have 9 license points from speeding fines. I do use the
comparison checker every year and its still the cheapest
if you have no points on your licence and what we call
comprehensive insurance as well, so I keep renewing.

"Bob Henson" wrote in message
...
harry wrote:

Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage
cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and pressed
the button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in
minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.

The RAC and the AA are as bad if not worse - in fact just about anyone who
has annual renewals these days. The RAC are particularly good at selling
your data to others. Quote Me Happy (Aviva's online only setup) have been
one exception the last couple of year's - their renewal quotes have been
reasonable. Personally, I think screwing existing customers amounts to
fraud and would like to see "one price for all" enshrined in the Law.

Not feasible with insurance and why should
I be paying more to subside hopeless drivers

"Rod Speed" wrote in message
...


"alan_m" wrote in message
...
On 29/11/2017 11:27, harry wrote:

Two minutes later phone rings. Lancaster insurance.

(1) Amazing how the spy network/links work (they were ringing me in
minutes of pressing get quote button.

I made the mistake once by putting my real phone number in a compare
insurance site. My answerphone took around 40 calls the week after!

All insurance companies penalise you by around 20 to 30% if you show any
loyalty.

Mine doesn't, and is too stupid to even check that I now
have 9 license points from speeding fines. I do use the
comparison checker every year and its still the cheapest
if you have no points on your licence and what we call
comprehensive insurance as well, so I keep renewing.

I got a letter from one of my car insurance co's they said I didn't have to
do anything to renew and the quoted the last four digits of my debit card
correctly.....well weeks ago I got my new insurance cert in the post BUT
they haven't taken payment !......I wasn't a fan of auto renew but now I am
not so sure ...... If I have an accident will they pay up or say I didn't
pay?....don't see how they can as the said I didn't have to do anything
??????????

Not feasible with insurance and why should
I be paying more to subside hopeless drivers

....like wummin' ...

"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I dont even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

"T i m" wrote in message
...
On Wed, 29 Nov 2017 15:23:47 +0000, Bob Henson
wrote:

snip

The RAC and the AA are as bad if not worse - in fact just about anyone who
has annual renewals these days.

A quick haggle with the AA seems to result in a good discount ('I've
been with you over 30 years and have only called you out how many
times?'. ;-)

snip

Personally, I think screwing existing customers amounts to
fraud and would like to see "one price for all" enshrined in the Law.

It would be 'discrimination' (new customers over old) at least
wouldn't it?

Sure, but plenty of discrimination is legal.

You are only forced to go to school if you are of a particular age.

"Rod Speed" wrote in message
...


"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.



you in America then?...my 2012 mustang cost £360 fully comp with no NCB but
9 years plus on the other two cars...

In article , GB
writes
On 29/11/2017 11:27, harry wrote:
Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and
pressed the button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???
Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in
minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.


You have my sympathy on this. The insurers are so fixated on getting
new business, rather than retaining old business, that they give a
large discount to new business in the first year whilst hiking up the
premiums for existing customers to pay for it.

Same with broadband etc. etc.
I'm with the Coop, and they offer a substantially lower premium if I
sign up again with them online compared to if I simply renew. Aviva are
half the price if I transfer to them, but no doubt it will shoot up
next year.

--
bert

In article , Jim GM4DHJ ...
writes

Not feasible with insurance and why should
I be paying more to subside hopeless drivers

...like wummin' ...


Quite the reverse - thank to the EU.
Young women are subsidising reckless young men.
--
bert

On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

don't forget running costs, legal costs, profit, advertising, tax, pensions... you're way better off uninsured in 99% of cases

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I'm sure they all do


NT

On Wednesday, 29 November 2017 19:20:47 UTC, Rod Speed wrote:
"alan_m" wrote in message
...

All insurance companies penalise you by around 20 to 30% if you show any
loyalty.

Mine doesnt, and is too stupid to even check that I now
have 9 license points from speeding fines. I do use the
comparison checker every year and its still the cheapest
if you have no points on your licence and what we call
comprehensive insurance as well, so I keep renewing.

if they don't know then you're uninsured

wrote in
:

On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

don't forget running costs, legal costs, profit, advertising, tax,
pensions... you're way better off uninsured in 99% of cases

I only buy insurance when legally obliged to.

On 29/11/2017 19:53, Rod Speed wrote:


"T i m" wrote in message
...
On Wed, 29 Nov 2017 15:23:47 +0000, Bob Henson
wrote:

snip

The RAC and the AA are as bad if not worse - in fact just about
anyone who
has annual renewals these days.

A quick haggle with the AA seems to result in a good discount ('I've
been with you over 30 years and have only called you out how many
times?'. ;-)

snip

Personally, I think screwing existing customers amounts to
fraud and would like to see "one price for all" enshrined in the Law.

It would be 'discrimination' (new customers over old) at least
wouldn't it?

Sure, but plenty of discrimination is legal.

You are only forced to go to school if you are of a particular age.

You are not forced to go to school at all at any age! Children from the
start of the first term after their 5th birthday until they are 18 have
to have an education. That can be in a school, at home, at a tutor's -
whatever arrangements you want to make. It is just simpler and more
practical for most people to send their children to a school.

SteveW

On 29/11/2017 19:11, Jim GM4DHJ ... wrote:


try getting travel insurance when you have had a liver transplant......

A friend has had one. I don't think she travels outside this country any
longer. She has to stay out of the sun, so going somewhere hot would be
a nightmare for her.

On 29/11/2017 19:10, Jim GM4DHJ ... wrote:

I do for everything except house, motorbike and car insurance ....eg I put
£20 away in a tin each month to sort out the cat ......

Have you taught the cat to go shopping? Mine was so snooty and refused
to look for yellow stickered goods in the supermarket.

"Jim GM4DHJ ..." wrote in message
...

"Chris J Dixon" wrote in message
...
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

I do for everything except house, motorbike and car insurance ....
eg I put £20 away in a tin each month to sort out the cat ......

Are you really so stupid you need to have a tin for that ?

"Jim GM4DHJ ..." wrote in message
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"Rod Speed" wrote in message
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"alan_m" wrote in message
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On 29/11/2017 11:27, harry wrote:

Two minutes later phone rings. Lancaster insurance.

(1) Amazing how the spy network/links work (they were ringing me in
minutes of pressing get quote button.

I made the mistake once by putting my real phone number in a compare
insurance site. My answerphone took around 40 calls the week after!

All insurance companies penalise you by around 20 to 30% if you show any
loyalty.

Mine doesn't, and is too stupid to even check that I now
have 9 license points from speeding fines. I do use the
comparison checker every year and its still the cheapest
if you have no points on your licence and what we call
comprehensive insurance as well, so I keep renewing.

I got a letter from one of my car insurance co's they said I didn't have
to do anything to renew and the quoted the last four digits of my debit
card correctly.....well weeks ago I got my new insurance cert in the post
BUT they haven't taken payment !......I wasn't a fan of auto renew but now
I am not so sure ......

If I have an accident will they pay up or say I didn't pay?....

3 guesses...

don't see how they can as the said I didn't have to do anything ??????????

They will anyway.

We have an insurance ombudsman to deal with this situation, dunno about you
lot.

"Jim GM4DHJ ..." wrote in message
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"Rod Speed" wrote in message
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"harry" wrote in message
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On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

you in America then?...

Nope.

my 2012 mustang cost £360 fully comp with no NCB but 9 years plus on the
other two cars...

wrote in message
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On Wednesday, 29 November 2017 19:20:47 UTC, Rod Speed wrote:
"alan_m" wrote in message
...

All insurance companies penalise you by around 20 to 30% if you show
any
loyalty.

Mine doesnt, and is too stupid to even check that I now
have 9 license points from speeding fines. I do use the
comparison checker every year and its still the cheapest
if you have no points on your licence and what we call
comprehensive insurance as well, so I keep renewing.

if they don't know then you're uninsured

Wrong here. This is the compulsory
insurance, that cant ever be uninsured.