Insurance what a piss take.

[darrsi]

[quote author=darrsi link=topic=21801.msg252042#msg252042 date=1486546993]
There can't be any really good companies out there, otherwise we'd already all be using them.  :\

Word will always eventually get round about good business practice and value when people are reluctantly parting with money, but that doesn't really apply to insurance companies, they really are modern day Dick Turpin's.

Highway robbery indeed. It's an absolute racket. The law says you must be insured, although I like the idea of a gentleman's agreement- if it's a very minor prang and one driver is at fault then I see no reason to contact the buggers if the person at fault makes right on any damage. Unfortunately there are too many uninsured tw*ts out there. Which brings me to my next point, the legal cover and or personal accident add ons they want you to add to your premium, are they worth it? There seems to be no shortage of lawyers and companies offering to represent you on a no win no fee basis, what's the deal?
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What's not normally shouted about with "No Win No Fee" is that you don't have to pay your lawyer for losing, but if you do lose you may have to pay the other sides court costs. This can be insured, but then that's laying out money again. They will generally only take on cases that they really think they can win, if they have the slightest doubt they won't touch it. They're not daft either, they're all from the same mould.