Car Insurance

[jennyjoan]

As some of you may know I had an accident in April in that I tipped a guy's bumper in front of me and naturally is going to blow up into a "compensation" claim for him.

Regrettably my insurance is up tomorrow and I called into brokers who gave me a price and told me premium was so and so

I have been with this broker some years and very happy with them but somehow tonight am thinking the assistant was too flippant with the premium which I thought was excessive - saying "oh it has gone up cos no-one will touch you because of the accident in April".

Shall I take her word for it because of the accident business and pay up or query it again. Again I pay for fully comp and so to lower my premium if it saves me money I may go "Third party etc".

Any opinions please and thank you.

I came away happy enough but have now thought it over and am thinking it is way too much an

[jennyjoan]

no I haven't because you have something like 16 days to make your mind up

[Baldric]

///Regrettably my insurance is up tomorrow///
after which I would suggest you are uninsured, be careful.

[tonyav]

jj, if your insurance is up tomorrow then from midnight tonight your car won't be road legal.

[jennyjoan]

Thanks Tony - my usual insurance is keeping me insured until God knows I think until I make up my mind and sign the big declaration.

[tonyav]

Ah right, better hurry with getting your quotes sorted out jj.

[Baldric]

/// is keeping me insured ///............very unusual.

[jennyjoan]

Baldy - haven't a baldy what I am doing LOL - Glad to see you are back to your fine fettle self LOL

[THECORBYLOON]

If you have not accepted the latest quote from your current insurer, unless they automatically renew it, you will not be insured as of midnight to-night if not earlier. My insurer notifies me in advance of the renewal and unless I say otherwise, it renews automatically. They also make a note of the time of day that it runs from so don't assume yours runs from midnight to midnight the next year, mines is something like from 1.25pm.

[Baldric]

Thanks JJ, just be careful that you do have cover.

[ladybirder]

Have you paid them any more money to keep you insured jj? I will be very surprised if they are keeping you insured without you having renewed with them. Please do check in the morning or you will be in trouble if you are driving around with no insurance from midnight tonight.

[frugalfred]

..and you don't even need to be driving around; unless you make a Statutory Off-road Notification (SORN) to the DVLA, you are committing an offence if the vehicle is uninsured, on the road or not.

[THECORBYLOON]

If you own a car now, you MUST have insurance even if it is not on the public highway, unless you have a SORN (Statutory Off-Road Notification). If I were you, rather than THINK you are insured still, I would get in touch with them ASAP and confirm what the situation is.

[THECORBYLOON]

I must learn to type faster...

[frugalfred]

No problem, corbyloon - you reinforce my point.

[ladybirder]

I hope jj has seen the last few posts on here and is doing something about it this morning.

[jennyjoan]

Well SURPRISE SURPRISE -

Received two policies this morning

The dear policy (accepting the accident business)
The cheaper policy ("allegedly" NOT accepting the accident business)

Got neighbour over and she perused it and found a clause in the
CHEAPER policy that they had accepted the accident.

Rode over like a mad woman and got the usual assistant all smiles and beams.

Look I said there seems to be a mistake - no, I told you yesterday the cheaper won't accept the accident.

She starts to flick over the pages - oh wait hold on oh they have accepted the accident and so I got the cheaper policy.

She is just after emailing me there confirming all is well and definitely the cheaper policy has been accepted.

Cor blimey - a bit of a difference £848 to £448 (something like that).

She smiled all through it all. Only the news was good I could have went through like a good dose of the physics LOL - Anyway good news.

Thanks all for all your wee advice.

[Islay]

Do you drive a tank? £448 is very expensive!

[EcclesCake]

Wow, you are pleased with a premium of £448???

[jennyjoan]

i have to be since the accident drama is there - next year will be so different

[jennyjoan]

on reflection it is a hell of a difference on the first of £848