Confusion - insurance prices

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Confusion - insurance prices

This is half right. It is often cheaper if your car is parked on the road overnight but the reasoning is a bit off.

Because car security is now so good, it's easier for criminals to break into your house and just grab the keys. If the car is parked on the road they've no idea which house it belongs to.

It's nothing to do with insurance cross-over.

Unless they happen to be watching as you park up?

Also, if they break into a house & steal the keys, many keyfobs have the car logo on them OR they simply press the fob as they walk up the street.
Of course, a car parked on the street is far less likely to get vandalised?
 
Also, if they break into a house & steal the keys, many keyfobs have the car logo on them OR they simply press the fob as they walk up the street.

Normally, the car is targeted and then the keys obtained from the house rather than the other way round. You wouldn't risk breaking into a house and taking pot luck on what the car was. ;)
 
Because car security is now so good, it's easier for criminals to break into your house and just grab the keys. If the car is parked on the road they've no idea which house it belongs to..

Normally, the car is targeted and then the keys obtained from the house rather than the other way round. You wouldn't risk breaking into a house and taking pot luck on what the car was. ;)

If a thief is after a particular car, then it won't matter where you park it
 
Normally, the car is targeted and then the keys obtained from the house rather than the other way round. You wouldn't risk breaking into a house and taking pot luck on what the car was. ;)

Nice to get the insurers point of view! I did get a quote from you guys again but still not right for me. Maybe 3rd time lucky next april when i'll be 21 :)
 
Ah it's so confusing!!!

The insurance situation now:

- Adrian flux offered £943 third party for renewal
- Rang admiral, £790 fully comp, no mods.
- Rang adrian flux, "sorry we can't insure you fully comp due to your age".
- Rang admiral to confirm the policy
- Rang adrian to cancel and "Samuel, I have no idea why we said we can't cover you fully comp, we can cover you fully comp for £850, including mods".

What's going on?? I would much rather be with Adrian due to the understanding of mods but then I think they'll be more expensive if I upgrade my car.

Ah decisions!
 
Adrian flux are a broker, any changes in the future can have a dramatic impact on what you pay, at least admiral are the insurer so you deal only with the policy provider
 
Adrian flux are a broker, any changes in the future can have a dramatic impact on what you pay, at least admiral are the insurer so you deal only with the policy provider

Andy has got it in one. Most brokers make their money with admin charges for policy changes or cancellations.

Also check wih both that they'll cover you with the replacement vehicle and that it's not too powerful / higher risk for them to cover you on based upon their risk criteria (y)
 
With a broker you've got someone to fight your corner if there's a claim. When you go direct to the insurer you're on your own.

Hope that helps.

Or looking at it another way you've a middle man involved, who if isn't very efficient can really slow things down, and cause a mole hill to turn into a mountain.
 
Well no because you've still got the option of going direct to the insurer if you're not happy with what the broker is doing for you. But if you don't have a broker in the first place you don't even have the option to get their help.
 
Brokers should work on the client's behalf, not that of the insurer.

Let me give a very recent example of how we helped a client who crashed his classic Alfa Romeo into the armco barrier while entering a motorway slip road.

He reported the claim and the vehicle was recovered to his preferred bodyshop. The insurer's assessor went out to look at the damage and judged it to require about 30 hours work to repair. They anticipated that it would be a straight bolt off, bolt on repair of a new nose cone and front wing plus a bit of spraying and blending. They authorised the repair at a fixed ceiling amount.

However, the bodyshop, and in this case the client, both know that the assessor was way off. It was more like 80 hours' work and the parts could not simply be bolted on like with new cars. Welding was needed, sealing and rust-proofing on top of the work the assessor accounted for. The client submitted the estimate and the insurer refused it. We took it up for the client and negotiated with the insurer to get them to agree the revised schedule of works and costs.

You try getting an insurer to more than double it's projected repair cost on your own and see how you get on :)

We have other examples such as a windscreen claim where the repairer couldn't locate a replacement screen because it was a rare model vehicle. Our efforts resulted in a new screen being shipped from the manufacturer in Italy.

Other more mundane cases have been where the insurer just seems to be dragging their heels or they're offering a low amount in settlement and the client doesn't seem to be getting anywhere. We've stepped in and got things moving.
 
You try getting an insurer to more than double it's projected repair cost on your own and see how you get on :)

That I know, been there and done that on a similar case with a total loss claim, company trying to get away with paying 35% of what the vehicle replacement cost. Got there in the end though, but then again I no how to.

If its something you're able to assist with then fair enough, and it is something that should be taken into consideration by people if they feel they'd want that help. :)
 
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