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Old crack in windscreen on car just bought will my windscreen insurance still cover i

Discussion in 'Insurance' started by mercmancdi, Oct 30, 2012.

  1. whitenemesis

    whitenemesis Senior Member

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    You get peace of mind. Or would you prefer to put everything you own against not having an accident?
     
  2. OP
    mercmancdi

    mercmancdi Senior Member

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    Your Mercedes:
    2009 E250 cdi 08 cls320 cdi ,2007 e280 cdi '2005 E 280 CDI ,VW TOUAREG ,JAGUAR S AND xTO NAME A FEW
    All i ask is a fair discount on 34 yrs no claims of any sort.
     
  3. whitenemesis

    whitenemesis Senior Member

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    After 34yrs no claims you should be on at least 75% discount?
     
  4. OP
    mercmancdi

    mercmancdi Senior Member

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    Your Mercedes:
    2009 E250 cdi 08 cls320 cdi ,2007 e280 cdi '2005 E 280 CDI ,VW TOUAREG ,JAGUAR S AND xTO NAME A FEW
    Been told they can only count 9 years ? The other 25 yrs don't count.
     
  5. whitenemesis

    whitenemesis Senior Member

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    So what % discount are you on then?
     
  6. OP
    mercmancdi

    mercmancdi Senior Member

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    Your Mercedes:
    2009 E250 cdi 08 cls320 cdi ,2007 e280 cdi '2005 E 280 CDI ,VW TOUAREG ,JAGUAR S AND xTO NAME A FEW
    All I get am told is full ...buts its funny at the start my new quote is around £650 then when I say I can get it cheaper they want to know how much so they can match the other price. .. Funny that when when they already told me I am getting there full discount.

    Moved to admiral now for duel car policy which left the rest i had quoted with for dead.
     
    Last edited: Nov 1, 2012
  7. turbopete

    turbopete Senior Member

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    Your Mercedes:
    2010 '60' Ford Mondeo 2.0TDCi Zetec (sorry)
    lucky you. im sure they just think of a price and double it for me. the 203 is the most expensive car ive ever owned, insurance wise!

    yet someone 20 years older than me, with a claim about 4 years ago, learner driver (also in their 50's) on their policy and business useage on their insurance (2k miles IIRC) can insure the same car for less than HALF what i pay? sorry, but something isnt right IMO
     
  8. television

    television Always remembered RIP

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    2002 SL500, 216 CL500, all fully loaded
    Pete, it makes a huge difference where you live, and your life style married or not and other things
     
  9. OP
    mercmancdi

    mercmancdi Senior Member

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    2009 E250 cdi 08 cls320 cdi ,2007 e280 cdi '2005 E 280 CDI ,VW TOUAREG ,JAGUAR S AND xTO NAME A FEW
    Right i can get divorced ,, i think i can stop drinking,,, now where will I move to?
     
  10. d215yq

    d215yq Senior Member

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    I think it's cheaper if married.

    It is worth noting that every year there are more and more questions, some of them unverifiable and stupid...it makes you wonder where will it end. Then you have the other stupid thing that you must declare not fault claims and even technically any incident (e.g. if you knock into a wall and repair it yourself).

    As with anything that's complicated and irrational that i think it is worth treating with the contempt it deserves and if the questions are completely unverifiable anyway worth just giving the answer they want (or more likely don't want as it doesn't raise the premium!).
     
  11. taxii

    taxii Senior Member

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    Another good thing to remember is if you have a def non fault accident then dont make the mistake of going through your insurers first as it will still count as a claim on your policy. Ive been a member of a few forums and a chap on landyzones G.f got hit in a total non fault and her insurance company claimed off the other drivers and when it came time to renew her policy her insurance company said she had had a claim so the policy went up, even though it was against the other driver. Whereas when my ex G.f got rear ended I rang up the other chaps insurance and told them the car was undriveable and she would need a lone car they said they didn't have one to which I replied not to worry as I would go through one of the accident hire car companies ( I think it was help hire at he time) the woman said they would obviously prefer me not to do that to which I replied I didn't really care what they preffered and suddenly they managed to get a brand new golf on the drive in just over an hour which she had the use of all over xmas and then they offered her 1500 and her car back which was an old X reg escort at the time and come renewal time her premium actually went down. We all know the insurance game is a racket which is why they spend so much time on programs like Watchdog and Panorama and on sites like CAG.
     
  12. Frontstep

    Frontstep Senior Member

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    The Insurance Industries standing is vastly overated they are bookies pure and simple.
    The only difference is the Government makes you bet.
     
  13. OP
    mercmancdi

    mercmancdi Senior Member

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    Your Mercedes:
    2009 E250 cdi 08 cls320 cdi ,2007 e280 cdi '2005 E 280 CDI ,VW TOUAREG ,JAGUAR S AND xTO NAME A FEW
    Perhaps members should add tips here as to what made there insurance cheaper
    :D
     
  14. d215yq

    d215yq Senior Member

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    Here's my tips

    Add drivers between 50-60 years old even if they never drive the car, can add three drivers. Family best but even a neighbour as the final driver helps knock a few quid off!

    Excesses seem to be calculated at a 1 in 6 chance of accident (increase excess by £300 have a £50 reduction)...are the chances of using the excess really 1 in 6...i'd say no unless you're a bad driver...also higher excess may put you off claiming and thus putting up previous insurances anyway.

    Some professions (not all) can be called diffrent things and come in sectors (my last job was like this)...search them all and see if any are cheaper.

    Worth investigating driveway/street too. If you don't park it in the garage when you say you do they still pay out but it's an extra £xx excess (ask them what it is) if the car gets damaged/stolen out of the garage at home. Could be worth the risk if chances of vandalism at home are low.

    Check out the mileage per year and again the penalty for going over it and how that works. Remember it's an "estimate" not an absolute so your policy isn't invalid if you do underestimate it, but maybe subject to a penalty on claiming.

    If you've a low value car it's a myth 3rd party is more expensive, it sometimes is, sometimes isn't, worth trying that (and TPFT and comprehensive).

    Yes I do all this every year with admiral and the three main price comparison websites. Motor insurance is (over rent) the biggest purchase i make year on year and it's worth 2 hours of my time to save £100s. Particularly as (unlike rent) with an old car I won't cosmetically repair, a high excess, and me being a "careful" driver it's just a cost that I get no benefit from at all (and am very unlikely to in the future!)
     
    Last edited: Nov 4, 2012

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