Reasonable Insurer Shock!

Honest John Back Room » Motoring discussion
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Wed 17 Dec 2008 13:17
Reasonable Insurer Shock! - William Stevenson
This may be no surprise to those who change cars at a greater rate than 1/ 15 years, but I expected a battle when changing the car on a policy with 3 months remaining. I phoned Norwich Union, got through to a very helpful man in sunny Bangalore and it was all done with a refund to my card of about £8 in about 4 minutes. I'm sure that sort of thing used to be associated with a lot of sucking of teeth, and cries of 'it'll cost you!'.
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Wed 17 Dec 2008 15:20
Reasonable Insurer Shock! - Armitage Shanks {p}
Changing your car isn't the probem - it is cancelling and getting anything approaching a pro-rata refund that is impossible
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Wed 17 Dec 2008 15:22
Reasonable Insurer Shock! - GJD
What made you expect a battle? Has it happened in the past. I've changed cars both ways mid-year before. All sorted in one phone call. Going "up" to a car more expensive to insure I was asked to pay a pro-rata increase. Going the other way I received a pro-rata refund. In both cases I expect there was a nominal (ish) admin charge. All seemed very reasonable and easy, exactly as I would expect.

I'd be very annoyed if it was any harder than that. Other factors that invalidate the assumptions used to calculate the original premium can quite reasonably happen at any time - e.g. moving house to a different area, a change of job implying an increase annual mileage or the need for business use cover. I would expect any insurance company to regard a change of car in exactly the same way.

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Wed 17 Dec 2008 15:55
Reasonable Insurer Shock! - freddy1
I had a m/bike insured with a well known classic bike company , on a classic policy , at about 6-7 mths the bike was sold ,so I cancelled the policy, it was the type where you did not get a NCB,

no refund was allowed, so on a new bike I went elseware,

last week a cheque arrived , for £25 , + a voucher for £25 off my next policy with them.

I rung them up , and they quoted the company I use at the moment , and offered a premium £65 more than I am paying now.

cashed the cheque and threw the voucher away,

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