Just had a bad experience with Carole Nash too.. Kept me on hold several times for over half an hour on an 0300 no which they earn money on
So the point is that "lure you in" special prices & introductory offers are only made to NEW customers & they then rely on peoples inertia to auto-renew-they are quick to send out their renewal notices to customers like me paying in one lump sum annually to avoid cost of credit instalment interest rates.So GOOD RISK customers are not profitable and are to be fleeced accordingly-the worlds gone barking mad! Personally I can live without seeing their "dolly birds"at the bike shows( not enough meat on them!) and dont have to endure their advertising in the motorcycle press since I stopped buying bike mags-rather spend £4-20 on fuel for the Fazer!I am pleased (so far) with Bennetts-but will see what happens at renewal time Car insurance with Carole Nash runs out in 6 weeks so will be studying meerkats & Welsh opera singers before hand!
That's the same practice with credit cards- if you pay the full bill off every month they generally get rid of you after 12 months or so as they're not making any money from you!
Car insurance with Carole Nash runs out in 6 weeks so will be studying meerkats & Welsh opera singers before hand!
QuoteThat's the same practice with credit cards- if you pay the full bill off every month they generally get rid of you after 12 months or so as they're not making any money from you!They are, as they charge the retailer a hefty fee as well for all the stuff you bought!
Further on the "lure you in" comment, can I plead with everyone to stay away from the "premium reducing safe driver monitoring boxes".As soon as these things become "popular" you can bet that the story will change.Anyone who doesn't have one will be severely penalised, to the point that you won't be able to afford insurance without one - and then the prices of the boxes will go up too.BUT even worse that this, the boxes are telematic and tracking systems that the insurers will use to find every possible reason to exclude any claim that you may ever make.If you're 1mph over a speed limit and hit a wheel that came off a lorry driving along in front of you......sorry, you were speeding, you reduced your chance of avoiding the wheel, so you're not covered.If you normally live and drive in Cornwall, but have an accident on the A82 in Scotland - sorry you're not covered, you've changed your driving habits and we based our cover and your premium on the risk we perceived from your normal driving routine.If you're on a bike and fall off on a diesel spill whilst going briskly, but legally around a corner - sorry but your lean angle was too great for normal road conditions/speeds and a fully seated (not knee-out) rider, so gues what, we can see it was your fault so you're not covered.The sooner we punters wise up to this scam, the better - but unfortunately, because having insurance is a legal requirement, and the barstewards are already ripping us off, lots of customers will jump at the chance now to get a premium reduction for having a "safe driving box" in their car or on their bike.Basically, we're Focced - in future we'll all be paying premiums for worthless cover because tracking telematic systems will give insurers everything they need to deny every claim......and don't mention the breach of privacy.....and commercial value to the insurers of your travel data..... Every journey you make will be fracked, recorded, monitored, and e data sold to the highest bidder so that they can try and sell you stuff they think you'll want because of the businesses around your parking/stopping points.Paranoia ???? - I think not.
Quote from: Millietant on 08 August 2016, 09:13:55 pmFurther on the "lure you in" comment, can I plead with everyone to stay away from the "premium reducing safe driver monitoring boxes".As soon as these things become "popular" you can bet that the story will change.Anyone who doesn't have one will be severely penalised, to the point that you won't be able to afford insurance without one - and then the prices of the boxes will go up too.BUT even worse that this, the boxes are telematic and tracking systems that the insurers will use to find every possible reason to exclude any claim that you may ever make.If you're 1mph over a speed limit and hit a wheel that came off a lorry driving along in front of you......sorry, you were speeding, you reduced your chance of avoiding the wheel, so you're not covered.If you normally live and drive in Cornwall, but have an accident on the A82 in Scotland - sorry you're not covered, you've changed your driving habits and we based our cover and your premium on the risk we perceived from your normal driving routine.If you're on a bike and fall off on a diesel spill whilst going briskly, but legally around a corner - sorry but your lean angle was too great for normal road conditions/speeds and a fully seated (not knee-out) rider, so gues what, we can see it was your fault so you're not covered.The sooner we punters wise up to this scam, the better - but unfortunately, because having insurance is a legal requirement, and the barstewards are already ripping us off, lots of customers will jump at the chance now to get a premium reduction for having a "safe driving box" in their car or on their bike.Basically, we're Focced - in future we'll all be paying premiums for worthless cover because tracking telematic systems will give insurers everything they need to deny every claim......and don't mention the breach of privacy.....and commercial value to the insurers of your travel data..... Every journey you make will be fracked, recorded, monitored, and e data sold to the highest bidder so that they can try and sell you stuff they think you'll want because of the businesses around your parking/stopping points.Paranoia ???? - I think not.My mate tried one of these, he put down annual mileage on his personal motor at about 3000 miles, as he had a work van as well, but only did something like 1600 miles in that first year, as he was deliberately taking it easy.Then on renewal they then made his next years mileage quota 1600 miles, and if he went over it he'd have to pay a fine per mile!!! Also if you touch 100mph you become instantly uninsured, the black box will cancel it for you.I think it cost him £80 to get the box removed as well, plus a fine for cancelling the policy, it's a proper scam.
So whats to stop Google maps (smart phone app) selling my journey & location data to the likes of Carole Cash?Thought provoking stuff, Millietant.