Long story short I have a VW transporter T6 67 plate 206 kombi van owner from new. not had an issue insuring and prices have always been ok.
This is where it gets funky. Partly my doing but a lot on the insurance companies.
I'm about to emigrate to Australia ( well return to my mother country after 22 years here in the UK) and I'm planning on taking the T6 and my wife's 2020 XC90 with me. we were supposed to move back in July so with this in mind I made a claim against my insurance on the VAN after I hit a bollard in a Tesco carpark last november. was only minor damage but I thought hey I won't need to renew and the NCD is protected so win-win. Well not really. 6 days after I claimed on the VW a t**t side swiped the Volvo in a sports carpark and obviously did a runner.
Again I thought we were leaving so no biggie with claim that one as well. To my horror, I had for whatever reason selected a very large excess on the Volvo so I cancelled the insurance claim on the XC90 and had it repaired privately. 3 weeks later and my wife was 2 min from home and a parked merc owner opened their door as the XC90 was doing 25mph and completely stuffed the rear passenger door and back corner. Merc driver took full responsibility and I was contacted by their insurance company the next day and It was all fixed as a no-fault no claim against my policy repair. bit of shitty luck but hey no issues.
fast forward to this week......
As I said earlier our trip has been delayed until October so 2 days back the Admiral multicar policy I had needed to be renewed. The policy renewal went from £897 for both car and Van to £2100. I politely declined and found alternate cover via for the volvo and T6.
Ended up with a very competitive quote on compare the market from Sterling Insurance ( who I now know are just another broker). I listed the claim on the VW van which was my fault and away we went. next day I get a call saying please contact us to confirm some details. Firstly I get a very friendly lady who wanted to know which model the Van was as the DVLA database had a different set of letters to the Price comparison site. I said I would find the log book and call back tomorrow.
Today I get a guy who was without doubt the worst insurance customer service rep ever. Firstly we spend 10 min on the make of the van. I tell him what's on the logbook. he says it doesn't match up with the DVLA database. I say well that's the model so what do you want me to do about it??The only difference was the work Bluemotion on the DVLA site. this goes on for a while before we get to the Claim. He says to me that there is another claim on the insurance database showing which was the XC90 carpark swipe which I didn't claim against and had repaired myself privately. well, apparently that has to be listed as a claim regardless. we argue about that a little. he then comes back asking loads of ridiculous questions and unfortunately, I got a little muddled and mentioned the No fault door hit with the merc. Well now he adds that crash to the policy as well.
Surprise surprise the insurance cost went from £580 to £900 because the van model was wrong and I had 2 insurance claims that were not disclosed even thou neither were my fault and I didn't claim against any insurance,
We are now in full heated discussion mode and I tell him I want to cancel. his reply was to slap me with a £135 cancelation charge for 41 hours of cover I had used. we argued a lot more and in the end, I had to hang up after saying don't cancel and I wanted to speak to a manager which he wouldn't do....
Turns out he did cancel it leaving me £135 out of pocket and with no insurance.
needless to say, Sterling Insurance gets a big F-you from me. I will be leaving multiple no star reviews asap.
This is where it gets funky. Partly my doing but a lot on the insurance companies.
I'm about to emigrate to Australia ( well return to my mother country after 22 years here in the UK) and I'm planning on taking the T6 and my wife's 2020 XC90 with me. we were supposed to move back in July so with this in mind I made a claim against my insurance on the VAN after I hit a bollard in a Tesco carpark last november. was only minor damage but I thought hey I won't need to renew and the NCD is protected so win-win. Well not really. 6 days after I claimed on the VW a t**t side swiped the Volvo in a sports carpark and obviously did a runner.
Again I thought we were leaving so no biggie with claim that one as well. To my horror, I had for whatever reason selected a very large excess on the Volvo so I cancelled the insurance claim on the XC90 and had it repaired privately. 3 weeks later and my wife was 2 min from home and a parked merc owner opened their door as the XC90 was doing 25mph and completely stuffed the rear passenger door and back corner. Merc driver took full responsibility and I was contacted by their insurance company the next day and It was all fixed as a no-fault no claim against my policy repair. bit of shitty luck but hey no issues.
fast forward to this week......
As I said earlier our trip has been delayed until October so 2 days back the Admiral multicar policy I had needed to be renewed. The policy renewal went from £897 for both car and Van to £2100. I politely declined and found alternate cover via for the volvo and T6.
Ended up with a very competitive quote on compare the market from Sterling Insurance ( who I now know are just another broker). I listed the claim on the VW van which was my fault and away we went. next day I get a call saying please contact us to confirm some details. Firstly I get a very friendly lady who wanted to know which model the Van was as the DVLA database had a different set of letters to the Price comparison site. I said I would find the log book and call back tomorrow.
Today I get a guy who was without doubt the worst insurance customer service rep ever. Firstly we spend 10 min on the make of the van. I tell him what's on the logbook. he says it doesn't match up with the DVLA database. I say well that's the model so what do you want me to do about it??The only difference was the work Bluemotion on the DVLA site. this goes on for a while before we get to the Claim. He says to me that there is another claim on the insurance database showing which was the XC90 carpark swipe which I didn't claim against and had repaired myself privately. well, apparently that has to be listed as a claim regardless. we argue about that a little. he then comes back asking loads of ridiculous questions and unfortunately, I got a little muddled and mentioned the No fault door hit with the merc. Well now he adds that crash to the policy as well.
Surprise surprise the insurance cost went from £580 to £900 because the van model was wrong and I had 2 insurance claims that were not disclosed even thou neither were my fault and I didn't claim against any insurance,
We are now in full heated discussion mode and I tell him I want to cancel. his reply was to slap me with a £135 cancelation charge for 41 hours of cover I had used. we argued a lot more and in the end, I had to hang up after saying don't cancel and I wanted to speak to a manager which he wouldn't do....
Turns out he did cancel it leaving me £135 out of pocket and with no insurance.
needless to say, Sterling Insurance gets a big F-you from me. I will be leaving multiple no star reviews asap.
I think we're in agreement - the person with 3 non-fault incidents (whether a claim arose for any, all or none) represents a higher risk than the person with no incidents.
