Tim Agree about Hiscox, a tree in the garden was hit by lightning which then went down through the roots under the house and fried half of the electrics, they were brilliant.
Back to cars I have just had the renewal for the Morgan from Gott & Wynne and the premiums gone down so happy about that. Whilst I have never had to make a claim they are really helpful, on cover for track days for example, no cost just an increased excess, and when I took my father to France last year added him to the cover for a week. He frightened me to death the first time we came to a left hand bend as he forgot you drive on the other side of the road in France, fortunately nothing was coming the other way at the time! I have a multi car policy with Admiral and the renewal for my wife's mini was £333, went on a comparison website and got a quote for £198 with the same company which is really taking the mick. Rang up and they price matched themselves but does confirm its worth making a few phone calls. Andrew From: Tim Harris [mailto:[email protected]]<mailto:[mailto:[email protected]]> Sent: 07 June 2012 8:42 AM To: mogtalk2 Subject: Re: [mogtalk2] Mog Insurance Absolutely Ian. I use both Hiscox and NFU for all my insurance, not just car, and they are both flipping' brilliant when it comes to service and claims handling. They aren't the cheapest, but personally I wouldn't go anywhere else. Tim On 6 June 2012 21:13, ian <[email protected]<mailto:[email protected]>> wrote: I have to say I was please with the way the claim was handled when my Roadster caught fire. That was with Hiscox via Headley Insurance. I'm inclined to stay with them on that basis. Threw the young lady at Hiscox completely when I said "thank you for the way the claim was handled by you & your colleague" ! She went all flustered for a minute :-) Ian On 06/06/12 15:09, Tim Harris wrote: All insurers make about the same level of underwriting profit on their motor book - i.e. none at all. In the good old days this was more than balanced by the investment income to be made from having everyone's premiums on deposit. Now, of course, there's naff all money to be made in the solid investment markets (insurers aren't allowed to make risky investments). So an insurer who is cheaper than the others is only really going to be able to do it through having lower operating costs. This can be achieved in a number of ways, such as: 1. Running overseas call centres 2. Being extremely resistant to / very slow to pay out on claims 3. Paying their UK-based staff a pittance and making them work long hours 4. Having very few customer relations staff, so it's very difficult to talk to someone 5. Outsourcing their claims assessor service, where the outsourcer company is paid on the basis of avoiding claims made to the Insurer 6. Skimping on their excess of loss reinsurance, leaving them potentially unable to pay out on a really big claim 7. Having lots of small print in the contract with loads of exclusions and limits to the policy 8. Not bothering to employ people with an understanding of the classic car world, and just relying on standard valuations 9. Cutting costs by doing automatic knock for knock rather than bothering to find out the true situation (so you lose your NCB in a no-fault bump) 10. All of the above plus some more I haven't thought of yet. The choice is of course yours. Me, I'd rather pay a few extra quid and have my pride and joy properly covered by a decent company. Tim ------------------------------------------- View posts on The Mail Archive http://www.mail-archive.com/[email protected]/ [http://www.mail-archive.com/[email protected]/] Modify Your Subscription: https://www.listbox.com/member/?&;<https://www.listbox.com/member/?&;> Powered by Listbox: http://www.listbox.com View posts on The Mail Archive http://www.mail-archive.com/[email protected]/ Modify<https://www.listbox.com/member/?&;> Your Subscription [Description: Description: Image removed by sender.]<http://www.listbox.com/> ------------------------------------------- View posts on The Mail Archive http://www.mail-archive.com/[email protected]/ [http://www.mail-archive.com/[email protected]/] Modify Your Subscription: https://www.listbox.com/member/?member_id=22459785&id_secret=22459785-4a39ddf8 Powered by Listbox: http://www.listbox.com
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