Insurance Jonahs

Ok, so enlighten us as to whom this really good insurance company is then please, so that all can benefit. Badger.

In news:ddap72$377$ snipped-for-privacy@newsg1.svr.pol.co.uk, Larry blithered:

For the record, who's that with?

Have I not already said ? Footman James are the brokers, and NIG the insurers,

It sometimes pays not to drive the latest model :)

whether it affects the premium is not really the issue. The fact you have declared the change means that they can't use it against you in the event of a claim.

BTW, does anyone know what the rules are for losing no claims bonus? The Volvo is in for a new rear wing and door (the dent was a wedding present from Mandy). Will I lose all my (full) NCB, or just part of it?

Mandy's Dad laughed when she said she'd crashed my car. He stopped smiling when he heard who's car she'd run into....

Do you really believe that?

There aren't any.

Insurance companies are, without exception, scum. (No, I haven't lost a claim, but have had to sit and decide upon too many claim appeals, some of which have gone to SCC and am totally fed-up with the parasites). Sad really. I had a chap claim it was cheaper for him to run all of his company trucks without insurance then pay for any 'loss' as needed. He provided firm financial evidence to prove this to be true. Sad. He should be free to prove it again in a couple of months, too.

I've just ordered a 'black hat' for one particular insurance company.

Yes. They can't say "you didn't disclose..." (assuming you have the mods in writing). They will, of course, find something else...

Oh good...

Yes.

In news: snipped-for-privacy@4ax.com, Mother"

BT do this for their fleet of vehicles which is HUGE!

Quite correct and a suitable solution for any large fleet operator provided the correct process has been adhered to. However, running half a dozen pick-ups without insurance (or tax, or MOT) and attempting to 'bung' someone a few hundred quid when some half asleep driver runs down the side of their car does not count.

In news: snipped-for-privacy@4ax.com, Mother"

Ditto, uprated the engine in my 110 to pump out about 140BHP, took the roof off and replaced it with a ragtop, put a roll-hoop in, told National Farmer's Union about it all and they couldn't care less. Insurance is still fairly cheap, 600 quid to insure both the landy and a 5 grand Audi A4 diesel auto. Cheaper than the rivals I went to speak to, including Footman James and various big names.

I guess it actually pays to stick to the same company, rather than shop around as the ads encourage, in that the broker has a more accurate assesment of your real risk by past record.

Hence you find NFU to suit you, and I find Footman James best for me.

The problem comes when you are insuring for the first time, or there is something about you that shouts out risk.