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Home Insurance rip-off ... thieving corporate scumbags
- Thread starter Swales lives
- Start date
JoeMercer'sWay
Well-Known Member
my old jack russell had to have a plastic collar because of all his surgeries for the last few months before he gave up, mates used to make fun of it :(.
if this is "Picture of your dog thread" can i post some of my husky?
if this is "Picture of your dog thread" can i post some of my husky?
stonerblue
Well-Known Member
hertsblue said:Just tell them your hypothethicaly thinking of saying screw you and leaving. Im sure if you shop around youll get better deals
They're all the fekkin same.firm anyway and using the old 'i might not renew' routine does fuck all in the discouts dep't.
baldmosher
Well-Known Member
Disclaimer: This is all IMO and based on my memory and a natural desire to scam companies however I can, and with no solid information provided to back it up. So feel free to correct me if you know I'm wrong, but please provide evidence, and by that I don't mean something that your insurance company told you over the phone or something you've read on some comparison website once. Cos that means it's your opinion, which is only equal to the following opinion. But remember, I'm an experienced scammer, so tread carefully.
Or at least, it's not a good enough database for the shared data to be reliable enough for claims analysis.
Although my parents made a couple of huge claims after burglaries, I've only once made a home insurance claim once in my adult life, for a stolen camera, £200, turns out eSure missold my policy as they don't cover shared houses, so they cancelled the policy and refunded my £163 premium (more than the value of the claim after excess), which was nice.
I've only stayed with the same insurer twice in the past 13 years because I don't like leaving a long trail and there's usually a better quote than my renewal. I've always ticked "never had insurance refused" and always claimed the maximum "no claims" time. They don't check it against any other database as far as I can make out. They don't know when I first had insurance, they don't know how long I've had or not had insurance, and they don't even know who I've lived with, nor for how long. They only know what I tell them and I only tell them what I know they can't find out if the loss adjuster comes round to check after we make a claim.
Remember: car insurance is a legal requirement. Home insurance is gambling, unless you have a mortgage that requires buildings insurance. My house is £150 B&C for a 'landlord' policy. The flat is just £6 a month for contents only, it's an AXA policy (Bank of Scotland via comparison site but the same policy is available via a number of insurers).
[NB: it's different for car insurance, as claims and policy & risk history are shared amongst car insurance companies to reduce fraud. That's a national database organised by the government. They don't have all the info, but they do have a lot of it, e.g. date, type of accident, whose fault, was it paid, if so what value.]
No it isn't. From a data management point of view, what you (or they) are suggesting to be the case is impractical and uneconomical.Swales lives said:I was told it's a "hypothetical claim". And it is now on a database shared by all insurance companies.
Or at least, it's not a good enough database for the shared data to be reliable enough for claims analysis.
Although my parents made a couple of huge claims after burglaries, I've only once made a home insurance claim once in my adult life, for a stolen camera, £200, turns out eSure missold my policy as they don't cover shared houses, so they cancelled the policy and refunded my £163 premium (more than the value of the claim after excess), which was nice.
I've only stayed with the same insurer twice in the past 13 years because I don't like leaving a long trail and there's usually a better quote than my renewal. I've always ticked "never had insurance refused" and always claimed the maximum "no claims" time. They don't check it against any other database as far as I can make out. They don't know when I first had insurance, they don't know how long I've had or not had insurance, and they don't even know who I've lived with, nor for how long. They only know what I tell them and I only tell them what I know they can't find out if the loss adjuster comes round to check after we make a claim.
Remember: car insurance is a legal requirement. Home insurance is gambling, unless you have a mortgage that requires buildings insurance. My house is £150 B&C for a 'landlord' policy. The flat is just £6 a month for contents only, it's an AXA policy (Bank of Scotland via comparison site but the same policy is available via a number of insurers).
[NB: it's different for car insurance, as claims and policy & risk history are shared amongst car insurance companies to reduce fraud. That's a national database organised by the government. They don't have all the info, but they do have a lot of it, e.g. date, type of accident, whose fault, was it paid, if so what value.]
Two Gun Bob
Well-Known Member
- Joined
- 2 Apr 2010
- Messages
- 12,441
Re AXA: Content insurance now due with an auto renewal quote of £90.00 which is an increase of 40% from last year. Rung up to try to price match against the Confused.com offering, and all they could do was a reduction of £3 for the year.Remember: car insurance is a legal requirement. Home insurance is gambling, unless you have a mortgage that requires buildings insurance. My house is £150 B&C for a 'landlord' policy. The flat is just £6 a month for contents only, it's an AXA policy (Bank of Scotland via comparison site but the same policy is available via a number of insurers).
[NB: it's different for car insurance, as claims and policy & risk history are shared amongst car insurance companies to reduce fraud. That's a national database organised by the government. They don't have all the info, but they do have a lot of it, e.g. date, type of accident, whose fault, was it paid, if so what value.]
Back to Confused and chose Sainsury Bank who quoted £70.00 for the year of which £40 goes to the insurer and Sainsburys get their finder fee of £30.
Imagine my consternation when the insurer was AXA and the cover identical. Back to AXA portal to cancel the auto renew and now happily with AXA brokered by Sainsbury. Laugh I could eat a bowlful!
I also get my £20 gift voucher from Confused for using their portal and this time have chosen a Halfords voucher so in effect £50 for the year as opposed to £90. #dontbeafatlad
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Scottyboi
Well-Known Member
Re AXA: Content insurance now due with an auto renewal quote of 90.00 which is an increase of 40% from last year. Rings up and trys to price match against Confused.Com offering, and all they could do was a reduction of £3 for the year.
Back to Confused and chose Sainsury Bank who quoted £70.00 for the year of which £40 goes to the insurer and Sainsburys get their finder fee of £30.
Imagine my consternation when the insurer was AXA and the cover identical. Back to AXA portal to cancel the auto renew and now happily with .. AXA brokered by Sainsbury. Laugh I could eat a bowlful!
I also get my £20 gift voucher from Confused for using their portal and this time have chosen a Halfords voucher so in effect £50 for the year as opposed to £90. #dontbeafatlad
What's with all old threads being bumped lol.
Two Gun Bob
Well-Known Member
- Joined
- 2 Apr 2010
- Messages
- 12,441
Just typed Insurance in the search box and a few selections came up. I think it's to stop posters repeating whats already been said. I'm guessing it's an old people thing.What's with all old threads being bumped lol.
Two Gun Bob
Well-Known Member
- Joined
- 2 Apr 2010
- Messages
- 12,441
Still trying to piecemeal an assemblance of portion share with the above conglomerats and wondering where Halfords feed from. I am guessing Halfords only receive around a £5 from Confuesed as it's a store promotion and I guess Halfords are still top side and I may buy more?
So doing the Sums
AXA get £40
Sainsbury get £30
Confused get a £10 kick back of Sainsbury
Halfords get a store lead and further promotion prospects via spam and a £5 kickback.
Am I missing something in thinking AXA could have simply bagged the lot with a tenner kick back to me?
I'm Confused : /
So doing the Sums
AXA get £40
Sainsbury get £30
Confused get a £10 kick back of Sainsbury
Halfords get a store lead and further promotion prospects via spam and a £5 kickback.
Am I missing something in thinking AXA could have simply bagged the lot with a tenner kick back to me?
I'm Confused : /
Scottyboi
Well-Known Member
Just typed Insurance in the search box and a few selections came up. I think it's to stop posters repeating whats already been said. I'm guessing it's an old people thing.
I don't think anyone is going to complain about you making a new thread instead of bumping one from 2011 lol.