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No really, thanks. I mean if you hadn't changed your system so that you no longer renewed our contents insurance by default so that our policy expired while we were travelling in November and then not said you would take the payment and reinstate the policy when I phoned up to complain but not managed to process it and then not phoned me or written to me until today, when it was too late to reinstate the policy, I wouldn't have been annoyed enough with you to go and get a quote elsewhere and discovered that I could get better insurance for less than half the price - or that even premium insurance from cuddly brands like Marks and Spencer or Greenbee (John Lewis) are cheaper than you. You could also change the training you give your phone operators so that when they realise I'm upset they don't ask me 'how I am' while they look up my security details, but hey - if you did I might have lost the edge of fury that made it worthwhile shopping around. I owe you one (well, no, I feel like you owe me the extra money I've been paying you all these years that I didn't bother paying the £50 fine to take my home insurance elsewhere while you had my mortgage, but at least you're not gouging me any more - and I might even drop the gold credit card now you add a transaction fee to all my overseas payments and get myself organised and get that Santander Zero card instead). You gave us a good deal on our mortgage and you had us for over 12 years but now - yeah, it's over.

It's also possible to play a fun game called 'how low can this quote go'. Simon was getting quotes from Axa that were twice what I was seeing (though still cheaper than Nationwide); he halved the price by adding me to the policy (obviously a woman in the home stops so much stuff getting broken in all those drunken bloke parties) - and I took another 10% off by skipping the comparison sites and getting the quote directly from Axa. Who emailed my the policy documents in about 2 minutes (with paper copies coming by post) and give me an online form to alter my policy any time I want to add that insurance for spilling paint on the carpet. I feel like I'm at least in the twentieth century!


( 6 comments — Leave a comment )
19th Feb, 2010 15:46 (UTC)
I went to confused.com for the car insurance last year, and saved "£350*. Saga have gouged me this year - wouldn't give us goods in transit unless we were moved by professionals (hey - Geoff Campbell is practically one), wouldn't give me split property insurance for two weeks (unlike RSA who did it for me last time I moved), and put the premium up 14% when we moved without bothering to tell me.

They can fsck right off when renewal time comes. These folk make their money out of inertia, and I'm not playing any more.
19th Feb, 2010 15:53 (UTC)
and the questions on the site are much less tedious and offputting than they used to be, so getting the quote was almost painless!
19th Feb, 2010 15:58 (UTC)
These folk make their money out of inertia

Yup. That's exactly it - they operate on the basis that if you obviously can't be bothered to do something to save you some money, why should they do it for you and lose money.

(It's probably their fiduciary requirement to act the way they do.)
19th Feb, 2010 15:55 (UTC)
My car is insured in bellinghwoman's name. It always has been, ever since I bought it - I'm merely a named driver.

She's female, and was also (at the time) the other side of one of those round number anniversaries from me, two reasons why the premium is heavily reduced for her.

When we were setting up the policy, the insurance company was perfectly happy with the concept. I can only presume that damaging my wife's no-claims bonus is perceived to be a lot more scary than damaging my own.
19th Feb, 2010 17:46 (UTC)
Bad, bad customer service! I'm glad you've found a better deal elsewhere.
27th Apr, 2010 14:38 (UTC)
Auto Insurance Reform Next
This is a funny but familiar story. I have heard it many times from friends who have had policies canceled after being on the same insurance for years and never missing a payment, etc. I have heard rumblings that Dental Insurance and Auto Insurance reform are next on the agenda. I think auto insurance could use a a little reform and dental is important to overall health. Maybe things will get better with this industry someday.
( 6 comments — Leave a comment )


full steam ahead
Mary Branscombe
Simon & Mary

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