General Chat

OH had the same problem as Elizabeth's daughter when his contract ended. The reason given was that as an unemployed person, he was more likely to be using his car.

They didn't consider the likely difference in mileage -
600 mpw commuting on the M25 v c30 mpw going to the shops.

It makes you despair :-0

My daughter had a huge rise in her car insurance when she was made redundant - she switched to another more sensible company at once. Why they thought her life while unemployed was more risky than being a librarian she couldn't understand!

one of my ex foster kids
got a letter from the DHSS asking
for her full name address date of birth and natinal insurance number

all of which where on the letter they sent doh ;-) ;-)

Car insurance companies must be cracking up!

My sister renewed her car insurance last week.
My sister has recently retired, and now only works 2 days a week in the same place she's worked for the past 25 years. Her job title has changed, but the car is parked in the same place etc
The insurance company quoted her £75 extra!
When asked why - they said because she'd changed jobs.
Sister: No, same job, different title, same place
Ins: How can it be the same job?
Sister: It's the same job, but fewer hours. How can what job I do affect the insurance?
Ins: Car's parked in a more dangerous place.
Sister: You don't know where I park my car, or even if I drive it to work.
Ins: That job title, has statistically caused more damage to cars
Sister: What? The JOB TITLE has caused damage?
Before you reply, as we're obviously 'off script' now, I live xxxx, I work xxxx, same as I've done for the past 25 years. Do you really believe working fewer hours a week means my car is more likely to be damaged. Do you really believe it warrants an extra £75? Do you want me (full no claims bonus) to insure my car with you or not?
Ins: Hold on a moment. (disappears for 5 minutes)
Ins: Hello, I'm afraid your insurance is more expensive - It's gone up by £2!!!

I spent 45 years in the Insurance business and we were happy to talk to our Customers face to face or on the phone.

Now you can only speak on the phone to an Office hundreds or thousands of miles away.

Common sense has gone out of the window.

Most insurance companies these days use post codes as part of their algorithms to calculate premiums.

On the post code databases that they use, each one has an associated list of addresses and if yours is not associated correctly, then you have a problem.

You can see the effect on many on-line websites which prompt you for your postcode then give you a drop down list of addresses to choose yours from.

We have 46 addresses linked to our postcode but if another house was to be built and given the number 47 it would not exist on computer databases unless someone realised it needed to be added in.

This is what your problem seems to be. How you go about getting new addresses added to an existing postcode I have no idea.

Yes Porkie,
There does seem to be problem with the Post Code or something
It is correct, but I remember ordering flowers to be sent and the shop couldn't find the house on their system either.

Long ago the house would have been accessed by a long drive, off a country road.

At some point in history, part of the land was sold off and two houses were built at the entrance, one either side of the drive.
To anyone passing, the original drive looks like one short, shared access serving just those two houses.
It still serves as access to his house too, which sits at the back and is completely screened from view.
This seems to be where the problem lies

I wonder if the underwriters couldn't find it because of the postcode?

My house does not exist according to my postcode, When I search using the postcode/address finder, or When I make a purchase on my credit card and the shop enter my details the "house number" is never found but a Manuel entry accepts it,

Ive never had any problem with my mail or parcel deliveries

Roy

Nephew is a pretty laid back sort of guy.

Although he knew it was completely ridiculous, he still found it funny.
Had us all in stitches when he showed us the letter and recounted his telephone conversation.

I would be glad to change companies after that. I wouldn´t trust them to make a pay out if I needed to claim because the couldn´t find the house !

Amazing really

Sheer incompetence I would think. They can obviously afford to lose business.

Best bit is..... the house is ancient, it's an old coaching Inn
It is at least 150yrs old.

( ins Co is: Ad..ral)

I would think a) that he is well shot of that insurance company
b) That the insurance company should change their underwriters.

I would love to know which Ins company it is!!!

What a farcical situation, your nephew should contact one of the red top papers, they just love that sort of thing, what a crazy world we live in and it gets more crazy by the minute :-S

I found this hilarious.

My nephew got a letter from his car Insurance this week, advising him that they would no longer be able to insure any of the family cars at his address
Has been with insured with this company for years?

He called the company to ask what it meant.
Ins: Our new underwriters cannot find your house.
Neph: But I have been insured by you for years
Ins: Yes, but our new underwriters can't find your house
Nephew: But the postman found the house and delivered your letter.
Ins: Yes, but the underwriters cannot find your house.
Neph: But the underwriter asked you to send a letter to the address that they can't find.. and it was delivered ...to the house.
Ins The underwriters need to know where the insured cars are.
Nephew: The cars are here, at this address.. the one printed on your letter
Ins: Sorry, but your address can't be found, and we have no option but to cancel your policies. Thank You, Goodbye

Nephew has a new insurer who found his address