I have been with my insurer for a few years, and am generally satisfied with their service.
This year I got the renewal quote about 3 weeks before the expiry date.
After a couple of days thought, I rang the insurers because I was not happy about an increase of over £30 when nothing had changed during the current year. Within a minute or so, and without any consultation, the premium was reduced to virtually what it was for the current year. Do these companies automatically slap on an increase which can obviously be removed if challenged; those who do not challenge the increase then finding themselves with an even greater premium next time around?
Another thing that bothered me is that I had heard nothing more on the final expiry day, so I rang again. "Yes, everything is OK - we take the renewal sum on the expiry date, and the new certificate will arrive 3 to 6 working days later."
Pointing out that I prefer to have a hard copy in my possession, it was explained that it was electronically entered on the main data base. Great, except what if it wasn't and I was stopped by the police - computerisation is not fool proof?
I am very fussy over having all my documentation correct and up to date at all times. Is this sensible, or am I over cautious?
This year I got the renewal quote about 3 weeks before the expiry date.
After a couple of days thought, I rang the insurers because I was not happy about an increase of over £30 when nothing had changed during the current year. Within a minute or so, and without any consultation, the premium was reduced to virtually what it was for the current year. Do these companies automatically slap on an increase which can obviously be removed if challenged; those who do not challenge the increase then finding themselves with an even greater premium next time around?
Another thing that bothered me is that I had heard nothing more on the final expiry day, so I rang again. "Yes, everything is OK - we take the renewal sum on the expiry date, and the new certificate will arrive 3 to 6 working days later."
Pointing out that I prefer to have a hard copy in my possession, it was explained that it was electronically entered on the main data base. Great, except what if it wasn't and I was stopped by the police - computerisation is not fool proof?
I am very fussy over having all my documentation correct and up to date at all times. Is this sensible, or am I over cautious?