I got my car insurance renewal in the post last week - Aviva quoted me €321 for comprehensive.
I shop around every year and Aviva's website is offering 10% off for arranging insurance online.
I filled in their quote page and got a quick-quote of €280 for the same cover when I said that my current insurer was a different co. Then I went back to quote page and input that Aviva was my current insurer - the quote went up to €386!
I haven't finished the shopping around bit yet but if they end up being cheapest (for the cover level) I'll certainly be having words!
I've always done without it; all it really means is that in the event of a claim they will appoint a claim handler to add another layer to a process that's usually pretty straightforward. In any case, if I were to be involved in any legal proceedings I would rather choose my own representative (or do it myself) than depend on one appointed and paid by the insurance company.Aviva are asking me for €42.10 to cover legal expenses as an extra benefit. I have paid it in the past but am now looking closely at the breakdown of the total quote (424.05) and am thinking of cutting it out to reduce cost. Would it be a mistake ?
My daughter's old banger (18-year old Micra) gave up the ghost and I replaced it with a slightly less ancient one, identical make and model, identical value. Axa announced there would be an additional pro rata €98 premium because it was a newer car. I pointed out that it was insured for exactly the same value (€600) and that in any case, as we both knew, we would never get that value from them in the event of a write-off (they declined to reveal their "book value", incidentally). Then they said it would (only) be €68 extra, "because it's a Jap import". I replied that I was holding the VRC in my hand and no, it wasn't actually. After checking again with a supervisor, they said they could "waive" the charge on this occasion because I was a valued customer.Same here, quoted us 100 extra on a renewal even though we have not had a claim in 10 years.
When we asked why we were told it was because our car was getting older!!
I've always done without it; all it really means is that in the event of a claim they will appoint a claim handler to add another layer to a process that's usually pretty straightforward. In any case, if I were to be involved in any legal proceedings I would rather choose my own representative (or do it myself) than depend on one appointed and paid by the insurance company.
Call me suspicious.
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