Jamz3k

Took the day off work as I need to go house hunting and sort my car insurance out.

Firstly, I have to admit I look a bit scruffy as i've been doing a bit of DIY in the house and well I couldn't be bothered dollying myself up just to visit an estate agents but jesus christ I might as well have been invisible. Really shoddy customer service in all 3 of the estate agents I visited, not one them could really be bothered speaking to me and preferred to take phonecalls instead. I was just shoved leaflets into my hand and told to have a look and give them a ring. WTF? I am there now, I am looking to move very soon!

The last fat mess that served me really irked me though, she looked like a strategically shaved gorrilla and couldn't even get off her lazy *** to come over to me and instead beckoned me over to the lair of filth that was her desk with her finger.

Gggrrr all very irritating stuff.

Secondly, car insurance, Is there really a point to having NCB? I checked through Compare the market varying my NCB's and it didn't really seem to make a huge difference? My current car insurance matched an online price for me but forgot to mention until right at the end that in order to do it they bumped my excess upto £700! Needless to say they were told to go do one politely but came to an agreement somewhere in the middle. What really troubled me was that I had to pay extra to protect my NCB's? Why? they seem pretty useless and they are uselessly now costing me extra per year to protect? Seems like a huge con imo.

Rant over.

averyp2

iTrader: (25)

Estate Agents really get on my wick!

When I was looking at least half of them couldn't have been more disinterested as soon as they see a younger bloke, how do they know how much I can afford??

Most of the women I encountered looked like they had been tango'd, several turned up late, promised phone calls were sparce.

Remind me, exactly what skills do you need to do this 'highly demanding' occupation? (except being a good bullsh!tter?).

I feel your pain buddy

ReallyReallyGoodMeat

'Protected' No Claims are probably the reason No Claims no longer have any value - it defeats the purpose of the whole system - the clue is in the name! It's not 'almost no claims', or 'not many claims in the last 10 years' it's 'No' claims!

super_ted

iTrader: (30)

NCB seems to make no difference at all these days.

Moley

iTrader: (9)

It still amazes me that people complain that insurance costs so much, and thell me that they have never claimed, and will never claim.... yet they choose to spend and extra 10-15% each year to protect NCB.

With some of these online comparison sites they often default on maximum NCB regardless of what amount you enter.... it's only when you get to the point of paying and input the correct amount that that give you the exact price.

Jamz3k

What annoys me more is the fact that every insurance company quotes me more because I've had 2 non-fault accidents. Disgraceful practice imo.

Moley

iTrader: (9)

I hear that a lot.... but no company i deal with (40+) load any extra for a non-fault claim.

Jamz3k

Maybe Northern Ireland insurance brokers are just ***** then because I've been told numerous times that as i've had an accident before, its more than likely I'll have an accident again which is why my premium is more expensive.

Gear Head

iTrader: (2)

To be honest Moley, I can understand if they did load the premium for a non-fault accident. It may be a particualr stretch of road that you travel on or at a certain time of day that puts you at a greater risk of having an accident. The fact that you were involved in accident automatically increases your likelyhood (through risk analysis) of being involved in another.

A friend of mine has been involved in 5 non-fault accidents over the last 10 years. Oddly enough, his driving is ****e.

Jamz3k

Factually my driving is **** BUT my accidents were as follows:
First: Van driver flew out of a side street right into the side of me.
Second: Sitting stationary at traffic lights and an old fat brain dead professional dole scrounger drove straight into the back of me. His wife even had the cheek to complain to me because I claimed against them that they wouldn't beable to go on holiday "this year".

Moley

iTrader: (9)

If you've had a few non-fault claims but have claimed PI on them, then the insurers may be cautious.

Jamz3k

On neither of mine did I claim anything other than getting my car back on the road. Believe it or not, I'm quite an honest chap in real life.

nik52wrx

I'm falling foul of that one too.

Last year my car was parked up and someone left the hand brake off their car which subsequently rolled into mine. It had to go through the insurance companies due to the damage to both cars but I was declared not at fault, obviously. anyway I've just done a quote with admiral and its around £50 more if I declare the not at fault claim
It's a bloody joke!

Nik

CharlySkunkWeed

iTrader: (7)

Its kinda funny if you think about it. Is someone who hasn't hand an accident it 20 years due one sooner , that someone who just had 3 in a year and couldnt be that unlucky to have another one ?

Insurance has more in common with gambling IMO , and the companies are the bookies

urban

iTrader: (1)

Did you try compareni for a comparison?

Gear Head

iTrader: (2)

Of course it does. It is risk analysis. You are asking them to insure you so they will use all available info to make a decision.

speedking

I don't park in that car park. Am I a higher or lower risk than you

Jamz3k

I didn't actually, forgot about that website!

urban

iTrader: (1)

Try it - you might be pleasantly surprised.

Jamz3k

Unfortunately I wasn't!

urban

iTrader: (1)

Pity - I did try.