Mike GSi
Member
Registered: 3rd Jan 07
Location: Ipswich, Suffolk Drives:Astra VXR
User status: Offline
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I have been insuring my M3 for the last 6 Months for just over £100 PM totalling to £600 roughly. i called my insurer to cancel my policy, and they wanted over £100. i wasnt willing to pay this, so i just got a quote to see how much it would be to change the cars over from my M3 to a Nova GSi They said they would refund me £390 and i would still be insured on the nova for the next 6 months.
So if any of you are thinking about cancelling your insurance, and will get charged for it, you would be much better off insuring a lower risk car for the rest of your policy, not only will you get a refund, you will also continue to get you NCB
i wonder if id get a big refund if i had paid for 11 Months worth, theninsured a shitter?
Opinions?
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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All well and good if you have the car in your possession?!
Adam_B experienced something like this when he didn't want to insure his VX220 any more.
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Wrighty
Member
Registered: 28th Feb 04
Location: Howden
User status: Offline
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it would make sense to me (and this is what i always have done) is just to change the car over on a current policy?
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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£100 is admin fees or something.
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Mike GSi
Member
Registered: 3rd Jan 07
Location: Ipswich, Suffolk Drives:Astra VXR
User status: Offline
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quote:
Originally posted by corsa_tomtom
£100 is admin fees or something.
yeah, so would you not be able to insure a car that isnt in your possesion? Scrapped?
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Adam_B
Member
Registered: 13th Dec 00
Location: Lancashire
User status: Offline
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quote:
Originally posted by deano87
Adam_B experienced something like this when he didn't want to insure his VX220 any more.
yup. wrote the car off, they wanted me to carry on paying £70 a month or whatever it was to basiclly insure nothing. Bought a shitter and im paying the same policy but its only £20 a month.
Insurance companys are just all theiving bastards, the amount of shit ive gone thought trying to get what im owed for the VX is insane, its still not sorted. Luckily Lisa is totally ace though and helping me with it, i lost my rag a while ago and couldnt be arsed 
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Adam_B
Member
Registered: 13th Dec 00
Location: Lancashire
User status: Offline
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quote:
Originally posted by corsa_tomtom
£100 is admin fees or something.
That really fucks me off as well, 'Admin fees' that cost £25, £50 or £100. It just doesnt cost all that money for someone to edit an insurance document on a computer and post it to you. Theiving fucking cunts the lot of them.
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Nick-S
Member
Registered: 3rd Mar 04
Location: Leigh. Drives: RS Megane 230 F1 Team R26
User status: Offline
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quote:
Originally posted by Adam_B
quote:
Originally posted by deano87
Adam_B experienced something like this when he didn't want to insure his VX220 any more.
yup. wrote the car off, they wanted me to carry on paying £70 a month or whatever it was to basiclly insure nothing. Bought a shitter and im paying the same policy but its only £20 a month.
Insurance companys are just all theiving bastards, the amount of shit ive gone thought trying to get what im owed for the VX is insane, its still not sorted. Luckily Lisa is totally ace though and helping me with it, i lost my rag a while ago and couldnt be arsed
how long was it before you put the dummy back in?
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Adam_B
Member
Registered: 13th Dec 00
Location: Lancashire
User status: Offline
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Its well gone mate, along with all my toys and everything 
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Nick-S
Member
Registered: 3rd Mar 04
Location: Leigh. Drives: RS Megane 230 F1 Team R26
User status: Offline
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Mike GSi
Member
Registered: 3rd Jan 07
Location: Ipswich, Suffolk Drives:Astra VXR
User status: Offline
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"it did explain in the 2000 page terms and conditions"
That pisses me off
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Nick-S
Member
Registered: 3rd Mar 04
Location: Leigh. Drives: RS Megane 230 F1 Team R26
User status: Offline
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quote:
Originally posted by Mike Z20LET
"it did explain in the 2000 page terms and conditions"
That pisses me off
its people like you who cant be arsed to read the 2000 pages that make my piss boil...........
 
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Mike GSi
Member
Registered: 3rd Jan 07
Location: Ipswich, Suffolk Drives:Astra VXR
User status: Offline
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i can read it just choose not to
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
User status: Offline
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my insurance are trying the same with me
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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quote:
Originally posted by Mike Z20LET
I have been insuring my M3 for the last 6 Months for just over £100 PM totalling to £600 roughly. i called my insurer to cancel my policy, and they wanted over £100. i wasnt willing to pay this, so i just got a quote to see how much it would be to change the cars over from my M3 to a Nova GSi They said they would refund me £390 and i would still be insured on the nova for the next 6 months.
So if any of you are thinking about cancelling your insurance, and will get charged for it, you would be much better off insuring a lower risk car for the rest of your policy, not only will you get a refund, you will also continue to get you NCB
i wonder if id get a big refund if i had paid for 11 Months worth, theninsured a shitter?
Opinions?
So basically for you to insure a Nova Gsi for a full year it would be £210??
That dosnt sound right tbh.
Whats your age and how many NCB do you have??Any points etc???
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swill_omnibus
Member
Registered: 12th Dec 07
Location: : S. wales Drives: Dodge Caliber
User status: Offline
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Normally if you cancel an insurance policy mid policy your charged equivalent to a months worth to cancel it.
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Mike
Organiser: North West and North Wales
Premium Member
Registered: 20th May 06
Location: nr. Skipton, North Yorkshire
User status: Offline
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My dad cancelled a policy on his van a while back after my brother blew it up They said there was a £380-something still owing he cancelled the direct debit, told em he wasn't paying, after a month or so they dropped it to £190, 'please pay or we'll take this further' etc. another month or 2 went by then there was another dropped to £90, 'please pay or it'll go to court'.
I think that last one would be maybe 2-3 years ago now, guess what, he never paid, guess what, no courts involved 
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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For anything less than £3000 they wont take you to court.
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Mike GSi
Member
Registered: 3rd Jan 07
Location: Ipswich, Suffolk Drives:Astra VXR
User status: Offline
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quote:
Originally posted by Corsa_Sport21
So basically for you to insure a Nova Gsi for a full year it would be £210??
That dosnt sound right tbh.
Whats your age and how many NCB do you have??Any points etc???
Yes and/or got my money back for what i paid for the M3 
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Mo
Member
Registered: 29th Jan 03
Location: Bolton, Drives Q3 S-line +
User status: Offline
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in the past i've just cancelled my DD
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jacko198
Member
Registered: 1st Mar 07
Location: Buckinghamshire
User status: Offline
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I was thinking the other day.
The problem for me and insurance is, i have to pay monthly. So ive got to pay a massive deposit! Over £200 for my corsa sport. Then however much a month!
So, was thinking, couldnt i just insure my brothers 1.2 8v, pay a much smaller deposit, ring up, say ive changed my car to the 1.6, and just put the price up per month instead of the deposit?
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dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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quote:
Originally posted by jacko198
So, was thinking, couldnt i just insure my brothers 1.2 8v, pay a much smaller deposit, ring up, say ive changed my car to the 1.6, and just put the price up per month instead of the deposit?
In theory might work but a car cannot have 2 insurance policies on it
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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quote:
Originally posted by jacko198
I was thinking the other day.
The problem for me and insurance is, i have to pay monthly. So ive got to pay a massive deposit! Over £200 for my corsa sport. Then however much a month!
So, was thinking, couldnt i just insure my brothers 1.2 8v, pay a much smaller deposit, ring up, say ive changed my car to the 1.6, and just put the price up per month instead of the deposit?
How can you pay a depsoit when you have not got a credit or debit card 
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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theyre robbing bastards, i phoned to change my adress and was told it would cost me the £50 admin fee! i went mental and asked what i paid a grand for if they cant even change the address on the asked how much it would cost to cancel the policy it was a similar price so i asked them which they rather i did
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