Rant:
My parked 13 yr owned car got reversed into by an unknown driver, bumper
bent torn but car's a write-off - as it's only worth £200 (jamjar.com).
Why am I paying for comprehensive Esure insurance that will scam me the
first £250 of a claim, then give me £200 back as they won't fix it?
Why is third party only insurance more expensive?
Why is (breathes for air) insurance such a rip off?
I'm tempted for my next car comprehensive insurance quote to put the
value of the car down as 1 pound, might that get a lower quote and I
could put the savings in the kitty for the next motor?
Grrrrr, got to find a replacement banger now.
Best value 5 yr old estate anyone? replacing an Octavia which I've found pretty reliable. And much as I like diesels, it's gonna have to be
petrol. My yearly mileage is not high, but I do end up carting junk about.
Rant:
My parked 13 yr owned car got reversed into by an unknown driver, bumper
bent torn but car's a write-off - as it's only worth £200 (jamjar.com).
Why am I paying for comprehensive Esure insurance that will scam me the
first £250 of a claim, then give me £200 back as they won't fix it?
Why is third party only insurance more expensive?
Why is (breathes for air) insurance such a rip off?
I'm tempted for my next car comprehensive insurance quote to put the
value of the car down as 1 pound, might that get a lower quote and I
could put the savings in the kitty for the next motor?
Grrrrr, got to find a replacement banger now.
Best value 5 yr old estate anyone? replacing an Octavia which I've found pretty reliable. And much as I like diesels, it's gonna have to be
petrol. My yearly mileage is not high, but I do end up carting junk about.
Rant:
My parked 13 yr owned car got reversed into by an unknown driver, bumper
bent torn but car's a write-off - as it's only worth £200 (jamjar.com).
Why am I paying for comprehensive Esure insurance that will scam me the
first £250 of a claim, then give me £200 back as they won't fix it?
Why is third party only insurance more expensive?
Why is (breathes for air) insurance such a rip off?
I'm tempted for my next car comprehensive insurance quote to put the
value of the car down as 1 pound, might that get a lower quote and I
could put the savings in the kitty for the next motor?
Grrrrr, got to find a replacement banger now.
On 17/11/2020 18:03, WhatAPrat wrote:
I'm tempted for my next car comprehensive insurance quote to put the
value of the car down as 1 pound, might that get a lower quote and I
could put the savings in the kitty for the next motor?
Since you know that the insurance will never fix your car, a good ploy
is to opt for a large voluntary excess - say £1000. That should bring
the premium down by more than reducing the notional value.
Grrrrr, got to find a replacement banger now.
Is there any structural damage to your car - or is it just the plastic bumper? If the latter, get a replacement bumper from a breakers yard.
On 17/11/2020 19:41, Roger Mills wrote:
On 17/11/2020 18:03, WhatAPrat wrote:
I'm tempted for my next car comprehensive insurance quote to put the
value of the car down as 1 pound, might that get a lower quote and I
could put the savings in the kitty for the next motor?
Since you know that the insurance will never fix your car, a good ploy
is to opt for a large voluntary excess - say £1000. That should bring
the premium down by more than reducing the notional value.
Thanks, I might investigate that idea when my next car loses its resale value.
Grrrrr, got to find a replacement banger now.
Is there any structural damage to your car - or is it just the plastic
bumper? If the latter, get a replacement bumper from a breakers yard.
Unfortunately a lot has been pushed in, sides and lights damaged as well
as a re-enforcement bar pushed into the aircon radiator. So I could
spend a fair bit at the breakers, and then there is the bonnet to close.
It would be cheaper me buying another working car of the same age, and swapping parts between them to keep one going. And selling bits I don't
need on eBay. However, need space to store things. Er, no.
I'll be shopping, probably end up with another Octavia.
Since you know that the insurance will never fix your car, a good ploy
is to opt for a large voluntary excess - say £1000. That should bring
the premium down by more than reducing the notional value.
Roger Mills <watt.tyler@gmail.com> wrote:
Since you know that the insurance will never fix your car, a good ploy
is to opt for a large voluntary excess - say £1000. That should bring
the premium down by more than reducing the notional value.
Beware that the excess also applies if you have an at-fault claim. For example, you run into the back of another car and it's clear that it's your fault. So you're not putitng at risk just the value of the car but the full value of the excess.
On 17/11/2020 18:03, WhatAPrat wrote:
Rant:
My parked 13 yr owned car got reversed into by an unknown driver, bumper
bent torn but car's a write-off - as it's only worth £200 (jamjar.com).
Why am I paying for comprehensive Esure insurance that will scam me the
first £250 of a claim, then give me £200 back as they won't fix it?
Why is third party only insurance more expensive?
Why is (breathes for air) insurance such a rip off?
I'm tempted for my next car comprehensive insurance quote to put the
value of the car down as 1 pound, might that get a lower quote and I
could put the savings in the kitty for the next motor?
Since you know that the insurance will never fix your car, a good ploy is
to opt for a large voluntary excess - say £1000. That should bring the premium down by more than reducing the notional value.
On 17/11/2020 18:03, WhatAPrat wrote:
Rant:We were very happy with our last couple of Astra estates. Boring but
My parked 13 yr owned car got reversed into by an unknown driver,
bumper bent torn but car's a write-off - as it's only worth £200
(jamjar.com).
Why am I paying for comprehensive Esure insurance that will scam me
the first £250 of a claim, then give me £200 back as they won't fix it?
Why is third party only insurance more expensive?
Why is (breathes for air) insurance such a rip off?
I'm tempted for my next car comprehensive insurance quote to put the
value of the car down as 1 pound, might that get a lower quote and I
could put the savings in the kitty for the next motor?
Grrrrr, got to find a replacement banger now.
Best value 5 yr old estate anyone? replacing an Octavia which I've
found pretty reliable. And much as I like diesels, it's gonna have to
be petrol. My yearly mileage is not high, but I do end up carting junk
about.
quiet and pleasant to drive, nice practical boxy space and useful set of
roof bars.
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