A terrifying experience with the bad hair day
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Wednesday, January 19, 2005
Friday, January 07, 2005
Calm Down Dear...
So it was time to renew my car insurance which was something I wasn't looking forward to. You see, I was going to have to put myself down as a student which I was sure would make the insurance companies run away screaming, or at the very least hike the premiums up. I couldn't take out the insurance under Adam's name as he hasn't any no-claims, due to him never having actually owned a car.
My current insurer sent though a renewal quote of £340 so I decided to start by getting a new quote off of their website. The thing I like about getting insurance quotes from the internet is, you can keep going back and tweaking it unitl you get a quote you like. For instance, I have found in the past that putting Adam down as anything to do with IT is more expensive than calling him a 'bank employee', which is true as he works for a bank. Just in the IT department.
Car insurance websites are getting easier to fill in, with less stupid questions, so I filled it in quickly and pressed the button to get the quote. The next moment had me shouting out: "Adam, I put myself down as a student and it quoted me £1200!!". After I calmed down, we discussed whether I could get away with calling myself a housewife. I wasn't sure but I went back and changed it and the quote went down by about £10. I smelt something fishy.
I don't know where these insurance companies get their database of registration numbers from but when I put mine in, instead of it coming up with a nice little 1.1, it had come up with a 1.4 VTI turbo-nutter-bastard, or some such thing. Luckily I was allowed to change it back to a 1.1 and the quote went down to £310, even with me as a student. Phew.
A few websites later, most of which got my car right, and I have a quote of £230, which includes legal claims assistance and NCD protection and I am down correctly as a student, so it looks like my fears were unfounded. A few insurers did run away screaming - like esure, which has a rather odd list of exclusions. According to that list, they won't even insure that annoying wombat, Michael Winner, who fronts their adverts.
My current insurer sent though a renewal quote of £340 so I decided to start by getting a new quote off of their website. The thing I like about getting insurance quotes from the internet is, you can keep going back and tweaking it unitl you get a quote you like. For instance, I have found in the past that putting Adam down as anything to do with IT is more expensive than calling him a 'bank employee', which is true as he works for a bank. Just in the IT department.
Car insurance websites are getting easier to fill in, with less stupid questions, so I filled it in quickly and pressed the button to get the quote. The next moment had me shouting out: "Adam, I put myself down as a student and it quoted me £1200!!". After I calmed down, we discussed whether I could get away with calling myself a housewife. I wasn't sure but I went back and changed it and the quote went down by about £10. I smelt something fishy.
I don't know where these insurance companies get their database of registration numbers from but when I put mine in, instead of it coming up with a nice little 1.1, it had come up with a 1.4 VTI turbo-nutter-bastard, or some such thing. Luckily I was allowed to change it back to a 1.1 and the quote went down to £310, even with me as a student. Phew.
A few websites later, most of which got my car right, and I have a quote of £230, which includes legal claims assistance and NCD protection and I am down correctly as a student, so it looks like my fears were unfounded. A few insurers did run away screaming - like esure, which has a rather odd list of exclusions. According to that list, they won't even insure that annoying wombat, Michael Winner, who fronts their adverts.
