So, it’s that time of year coming up, insurance renewals!
First off, the Audi. Previous car written off in July last year, paid out, bought another one, substituting new car on existing policy (£28 more + £28 admin fee!) Mrs B was driving, on a large gyratory near our house. Traffic light controlled, they were out and had been for several hours. Mrs B proceeding ON the roundabout slowly, having gone through several sets of inoperative lights already, guy comes straight through the non working lights across the path of our car (did not give way to his right on entering the roundabout and wrote our car off, taking approximately 150 yards to come to a stop after the collision. Our car stopped in less than 3’ feet. Fast forward a few months and now it’s going to court as the other parties insurers say 50/50? Anyway as this has not been resolved yet, our insurance have reduced our NCD by 5 years, down to 3 years, renewal quote reflects this and is now more than double last years at £1150. Having spoke with them, I asked why they were bothering to take the other party to court? They must feel confident in our favour? Regardless, we are guilty until proven innocent, to renew with them ,we must pay the increased premium, no refund will be given if subsequently judged in our favour but they will look at the premium going forward and ‘possibly’ adjust to reflect the judgement! This is Co-Op insurance. Got like for like renewal quotes based on the facts as described with unsettled claim, from e-sure and Sheilas wheels at £650, go figure.
My mx5 due also end of month. Will have to declare this incident to them, Lancaster this time. Rang to ask where my renewal quote is ( 3 weeks from expiration) they don’t send it out more than 3 weeks prior to renewal. Waiting to see what this turns in at. Due to COVID, very little miles done, <1500 in the year but nothing offered from Lancaster to reflect this, unlike some other companies that have. So, potentially a double whammy for me. Co-Op, I asked them to report on progress of the court proceedings, other party are not responding now so who knows how that will turn out. I hate this renewal malarkey, even without this claim ongoing as premiums vary so much each year.