A lot of us moved away from Howdens as the price rocketed I wonder if they’ve done something about this
Insurance Recommendations Please
- Thread starter AJH_Ant
- Start date
doncarlyon
New Member
This is my first time trying to insure a van/camper conversion. Adrian Flux were recommended but Howdens ended up being half the price with more cover and less excess.
I've worked in and around car/home insurance for 20 years, some of it makes sense, some of it doesn't.
Just looking at my car insurance - when I ordered the car the quotes were around 450quid. Car was delayed a year, ended up paying 650ish. At renewal is was 850. The latest renewal is 1060 but I managed to get it with Aviva for 500.
What's your point?
doncarlyon
New Member
Except his driveway doesn't have passing traffic clipping vehicles, sheetbags staggering home after last orders, etc.
Home on leave BITD some turd tried to steal my neighbours car, parked at the kerb a whole 8 feet from the ground floor window of my room. Someone called it in and the Dibble turned up and had an almighty fight with him before more Feds arrived and the lad was detained, and I never heard a thing.
doncarlyon
New Member
Suppose it all depends on the circumstances.
Mine is a double drive but only a path separates it from the road. I'm often worried in the snow that someone will come round the corner too quick and wipe out both cars. It could be safer to move them both onto the street but insurers can't take common sense into the equation.
Mine is a double drive but only a path separates it from the road. I'm often worried in the snow that someone will come round the corner too quick and wipe out both cars. It could be safer to move them both onto the street but insurers can't take common sense into the equation.
Your insurer wouldn't be liable in that scenario, so it wouldn't be "common sense" for them to take your concern into account.
Yeh, that was my assumption too, but wanted them to be explicit.
To be clear, allowing an insured vehicle to be parked overnight on the roadside is, never "as good as being on a driveway". No-one has a right to specific parking space on a public road, so by allowing on-street parking, the insurer cannot be confident exactly where the insured vehicle will be parked. By making driveway parking a condition of cover, they can be confident, hence why they make it a condition.
doncarlyon
New Member
I guess the extra £1700 is fair enough then
I could park it behind my home, off the road, but if anyone of my four neighbours did the same I couldn't get back out at 5 a.m.
So I park at the front, nothing has changed since they insured me last year.
My point is I do not believe not having a drive justifies an increase of £1700 in my insurance premium.
I could park it behind my home, off the road, but if anyone of my four neighbours did the same I couldn't get back out at 5 a.m.
So I park at the front, nothing has changed since they insured me last year.
Which is equally true if the vehicles were parked on the roadside.
Even better news, the government are considering road tax hikes for those that store vehicles overnight on the road. Kerching!
Your insurer did NOT increase your premium by £1700 - your insurer declined your business because you don't have a driveway and it's a condition of their policy that overnight parking is on a driveway.
The additional £1700 arose because that was the next cheapest quote available from any insurer on your insurance broker's panel.
I’ve also just gone with these via Just Kampers.
They were the cheapest around and also offer Agreed Value for an extra £50 if you send some photos in for them to check.
The thing I liked was it was all online, whereas some of the others just wanted to speak on the phone, which isn’t always convenient if you only want a quick quote.
Just short of £500 with day van modifications (wheels/windows/suspension/front splitter etc)
At some point there's been a mis-communication between you and your broker re you having a driveway. However and whenever that came about, once that mistake has come to light, you can't in all seriousness, expect the insurer to ignore that and to continue to insure you on a basis they and you know to be false.
If you believe your insurance broker is at fault, you should direct your anger towards them, though it's worth noting that you have almost certainly benefitted from that mistake (by having premiums that were lower than they otherwise would have been) and that, ultimately, it's your responsibility to read through the documentation issued by the broker/insurer and correct any inaccuracies.
You have met me, right?
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