Tag Archives: car insurance

Car Insurance Time Again

Yes, it’s that time of year again, when the little man comes up against the gargantuan greed of the insurance companies.

I had a letter last week. The premium for this year is several hundred pounds up on last year, despite the fact that I have hardly been anywhere in 2020. It is, however, still about £100 cheaper than the year before.

I went on the Swinton site, as I’ve used them as brokers for years, but the drop down menus didn’t work and I couldn’t get into my account. Life is too short to waste time on recalcitrant technology. If you can’t keep your site working you don’t get the business.

I went to ‘Go Compare’. I put a lot of details in. In fact, I could probably describe myself as a writer of biography after all the personal detail I put in. Then I came to a question about how much my last claim cost. Regular readers may recall that I had a rather annoying accident a couple of years ago. How am I supposed to know how much it cost? I pressed the “i” in the circle and it suggested ringing the insurance company. Yes, that seems a worthwhile use of my time.

So I went on ‘Compare the Market’. More biography. More stupid questions. More reminders not to tell lies. Finally, having finished the forms I pressed the button.

They came up with 78 possibilities. The cheapest one was a company called “Go, Skippy!” It was cheap, but the name is not inspiring and the excess is monstrous. It’s also owned by Arron Banks, and as I don’t want to fund his political donations I am glad to give it a miss.

For just over a hundred pounds more I have a choice of two well-known names – Churchill and Liverpool Victoria. Churchill always did well for me until they started racking the prices up, and LV offered a slightly better policy for £5 less. I was tempted by Churchill because they had always offered a great service, but they had ripped me off in the end, so I went for LV.

So, today, for me, the clear winners were ‘Compare the Market’ and Liverpool Victoria. It saved me £360 on the cost quoted by Swinton and Aviva so, irritating as it was, I just had a profitable hour at the computer.

Writing, Robbery and Reinsurance

I had a go at writing my autobiography yesterday. It didn’t start off like that, but an hour later that was the result.

After receiving a quote from my car insurance provider, a number which I initially mistook for the National Debt of a medium-sized member of the UN, I decided it was time to take action. At over £800 it means I’m working for the best part of a month to cover the insurance, and that’s before tyres, fuel, car tax, MOT, servicing and all the other pleasures of car ownership.

To get a new quote I had to fill in a long and intrusive form about myself, followed by another for Julia. I noticed that not only do they seem to want more detail, but they seem to provide things as extras that used to be standard. It used to be enough, as I recall, to say you’d had a full license for 40 years – you didn’t have to search out the exact date.

It would have been quicker but I managed to wipe the form after doing three quarters of it and had to start again.

I managed to secure better cover and save nearly £400.

The moral of today’s post is that loyalty to an insurer does not pay.

It may be irritating to fill out the forms but it was worth it. I may worry a bit that the insurer is not as good as my previous one (as I did when changing breakdown cover) but insurers, when left to do their own thing, are generally not to be trusted with your money.

I used a picture of a Magpie because I was writing about insurance companies and couldn’t find a picture of a vulture.

The Downward Trend Continues

Since I last wrote of my dull day things have showed little improvement. Nothing interesting has sold, nothing interesting has been loaded on eBay and nothing interesting has happened.

I say “nothing interesting” but had better qualify that. Nothing good and interesting has happened. I removed one of my dental crowns whilst chewing a caramel, which was interesting, particularly as I have a history of swallowing them.

I’ve wedged it back in for the moment as my six-monthly check up is due in a couple of weeks and I’m hoping to avoid a special trip to the dentist. It’s only come out twice since then, one of them being when I flicked it out with a toothpick.

Then there was the car insurance – it’s gone up by 15% so far and we haven’t even discussed my unfortunate brush with the speed camera. Someone is taking the mickey.

This morning I woke and as I sat on the edge of the bed I noticed blood dripping onto my legs. It was a bit of a surprise at the time but I have a history of nosebleeds so I’m not unduly worried. The main problem is getting the blood out of the pillowcase. (You may want to bookmark this page under “Famous Last Words” in case I’m wrong).

Minutes later things took a turn for the worse when I was informed that Julia was ill. She did this by groaning dramatically, making a sweeping arm gesture and croaking “I’m ill.”

She slept all day and has consistently refused food so it’s quite serious. I hope she gets well soon because I had to make my own sandwiches this morning.

Finally, I had a rejection on my last haiku submission. That was depressing for about twenty minutes, but after that I had plenty to do and forgot about it until now. I’m having a think now, not sure whether it’s part of the downward trend or something I should zone out.

According to my current thought process every rejection brings an acceptance one step nearer, so a rejection is actually a good thing.