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Wednesday, 21 November 2012

You think I’m stupid?


Today was the day my renewal notice for my car insurance tumbled through the letter box and onto the mat. With bated breath I ripped open the envelope to get to the heart of “What are they going to try and con me into paying this time”?

£33 pounds more to be exact, is the figure. That’s 8% higher than last year. I would consider that figure to be unjustifiable as inflation at the most is 4% (Depending what index you use. RPI or CPI). and my car’s value has depreciated since last year.

So quick as a flash I logged into a price comparison website to see what insurance there was available for my trusty vehicle.

The only trouble with those sites is minutiae of detail they need for some reason. Why for instance do they need to know whether I’m married, homeowner, have children, or the names of my cats. (Alright I made the last one up).

Any way the upshot of all this bollocks was that eventually I found a policy that matched my needs. And of course it was lower than the quoted new premium by my present insurer. 11.5% less to be nearly exact. That’s less than I’m paying now.

Oh and do read the back of the renewal notice. My present insurer had quietly added into the policy that they were increasing the excess by a whopping £300.

I was nearly caught out a couple of years ago when the insurance company renewal notice gave me the renewal cost in bold on the front, but had hidden on the back the insurance tax and VAT.