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[chrisgixer]

I think previous claim history has a lot to do with prices. Business sense says that if you have made a few claims in the £200 to £400 region in recent years, its likely you'll do so again, so they need to ensure their costs are covered by excess or premiums.

Over the last generation we've become a claim culture people, claiming for clumsiness (or downright fraud by chucking mobiles in the bog, and claiming its an accident) and expecting insurance to cough up. And we claim whiplash for carpark knocks. And we then complain when insurance goes up, and insist that insurance is a rip off.

I have only met a few people here, so dont mean to tar any1 with the same brush and not suggesting any1 here does that but we all know inside that it happens.

Any experience with these policy's Mike?

[Field Marshal Dr. Opti]

We were insured with Nationwide for 15 years and didn't make a single claim during that time. As is the norm, they delighted in loading the premium year after year to show me what a 'valued' customer  I was.

Eventually we found another company that offered the same level of cover for 70% LESS.

Nationwide refused to offer ANY reduction on our policy so we switched........which we now do on a regular basis.

During our 15 years at Nationwide we paid something approaching £5000 in premiums.

........What's that thing about shooting them in front of their family?.....

[mikesomega]

Any experience with these policy's Mike?

No I never had to claim on house insurance. Abilities not up to what I think my abilities are I've had plenty of claims on motor insurance.

My house insurance is cheap and motor is dear even with a 500 excess

[chrisgixer]

It's looking like Zurich so far.

Anyone used them ?

Sorry to keep on.

[TheBoy]

Errr, uhmmm, well, errr, I may have a small claim on my house insurance

Mine is with RSA, brokered via AA. Renewal has come through, and I think we are going to renew with the same, partly because it hasn't jumped as much as I thought it would (in fact, I was amazed how cheap the renewal is), and also the ease factor as claim is still ongoing, so may be easier to remain a customer for now.

The policy, aside from a restriction on car parts/accessories, seems to be better than most AFAICT, though the claim has not yet been settled. Certainly, the hassles my neighbours who were also affected by the incident are having, mine seems to be dealt with quite well as far as insurance goes.


Mrs TB deals with all the home insurance, so she'll know better than me what policies we've had in the past, but this is the first claim we've ever had, so how well others would perform under claims is unknown to me.  Although if you're claiming every year, esp on away-from-home or accidental damages, maybe a rethink is needed on what you are keeping in cars (which I'm sure you have now), or give her a slap for clumsiness

[Rods2]

In fact, all insurance companies would go in Room 101 should I be invited on the show. 

Pet insurance is a particular hate of mine.

If you have a young healthy mutt they'll welcome you with open arms (and probably a free pen or crappy satnav).

Try to insure your shagged-out fourteen year old mongrel with a heart condition and loose bowels, and the response will be somewhat different.

How's the life insurance?