INSURANCE, WHO NEEDS IT?
Last weekend somebody threw a stone at my living room, double glazed, window and put a neat circular crack in the outer pane.Great........
However, what's done is done and now I need to replace the window unit. I pay approximately £168 a year to insure the "bricks and mortar" of my home. This includes the windows.
Ok, first I ring the insurance company, they in turn contact a glazing firm, the glazier arrives, measures up, goes away and makes/buys a window unit, he returns a few days after and replaces the window, I pay him, the insurer pays me and we're all happy, right?
Wrong!
Firstly, the nice man at the insurance company informs me that their "excess" charge has doubled from £50 to £100 and they now use a new glazier from much further away. I ask him to refrain from sending the glazier to see me until I've had a few quotes from local firms.
Would you believe it! A very nice man who, literally, lives a 1/2 mile away came to meausure up and later the same day gave me a quote for replacing and fitting the window for........wait for it......
£105!
He got the job.
I rang the insurance company and told them to cancel the claim and I informed them I am cancelling their policy on the last day of this month and using another firm who are giving me greater cover for slightly less money and with an "excess" of only £50.
The "claim" that I didn't make has duly appeared "on the system," and it has affected the price of the new policy, but only by about £10 a year.
Can anybody tell me what I was actually paying my premiums for?
posted by Eddie @ 10:05 pm
1 Comments:
Peace of mind! Isn't it great that caring Insurance Companies exist to ensure that their customer's receive the best quality service ever, and that profit is of secondary importance.
A similar thing happened to my wife when she had an acident in the car. The bill to repair was the same as the excess on the policy give or take £20, so we wanted to cancel the claim. Could we ever? Not a chance.
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