Insurance increases .. and NFU

Discussion in 'Motorhome Insurance General Discussion' started by scotjimland, May 18, 2011.

  1. scotjimland

    scotjimland Funster Life Member

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    Just had my renewal for the car insurance from NFU, I have a Honda CR-V .. up from £350 to £485 :Angry: I have full NCD, social domestic only, one named driver, me.

    Yes, I was angry and called their office and asked for an explanation and after some discussion, I agreed to a small increase in the excess and got it reduced to £380 ..

    I thought that was still high so I did the on-line comparison thing with confused.com ..

    Back came the results, some as low as £220 , but this is where it gets difficult, trying to compare 'like for like' fairly, so many show a much smaller premium until you go to their site and select the bolt on 'extras', road side assistance, protected NCD, courtesy car, legal assistance, personal possessions, etc etc

    So.. after spending about four hours and losing the will to live comparing policies it became apparent that to get good insurance cover from a good company NFU wasn't any more expensive .. in fact they were not the most expensive, and as I have had nothing but great service from them, including a claim for an accident in France that was settled painlessly and with no loss of NCD I am renewing with NFU ..

    I like this company, you speak to a human who listens, and if you change any details mid stream they don't hit you with a £35 admin fee .. not the cheapest.. but as one member has in his signature... 'good no cheap.. cheap no good'


    PS

    I also checked with Frank Pickles.. was directed to the Adrian Flux site and the quote was about the same as NFU ..
     
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  2. OwnedbyCollies

    OwnedbyCollies Funster

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    I agree with you wholeheartedly!

    We have used the NFU for years for the cars (initially because other companies did not seem to think that a land rover was 'normal' vehicle!). We stay with them long after the demise of the first landie for the reasons quoted above - you speak to a real person immediately and they are very helpful and obliging when needing information, advice or to alter the cover. At renewal time last year I was alarmed at the increase, even after the mutual bonus, and when I questioned it, I was offered a 10% reduction (probably for long service!).

    When we got the MH I rang around for quotes and concluded that the NFU offered the best (not necessarily the cheapest) option. I got another 10% reduction at renewal too!

    Customer service and aftercare are worth their weight in gold:BigGrin:
     
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  3. moandick

    moandick Read Only Funster

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    Well I for one, am pleased to hear your 'verdict' being as I have been with them for 7 years now and was slightly worried by all these major increases being quoted by all and sundry.

    One thing that I will query with them later - reading 'Honest John' in the weekend Telegraph, he was advising people to put an extra named driver on the policy to spread the risk and therefore reduce the premium.

    I have never heard of this before and wondered if you had, Jim.

    Dick
     
  4. scotjimland

    scotjimland Funster Life Member

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    Never heard of that Dick .. seems illogical to me.. will be interesting to hear what NFU say.
     
  5. Terry

    Terry Funster

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    How is it difficult to compare like for like Jim? I am doing just that now for my L200 warrior pick-up and all I tell them is how much voluntary xs and how much comp xs all the rest are add on's.:BigGrin:Best quote so far is £389 from 2 co's Yes and Sure term (m/h ins through them ) Frank Pickels did the same with me and put me onto A/flux :Rofl1:
    terry
     
  6. scotjimland

    scotjimland Funster Life Member

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    To compare properly you need to read the T&Cs for each policy .. on the surface they may look the same.. you have to get under the hood up to see where they differ.

    As they say, the devil is often in the detail ..

    for example..

    two companies offer a courtesy car .. same price , but then read the T&Cs .. one is limited to a week. the other as long as required.. or, how much do they charge for changing details mid stream.. is it free or do they charge..

    IMO .. there is no such thing as good, cheap, insurance and you only find out how good it is after you have a claim.. that was my deciding factor in choosing NFU
     
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  7. Terry

    Terry Funster

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    courtesy car is a add on in my book :thumb: why do you want to pay extra for a courtesy car ? I don't smash what I am driving so do not need to pay for one :BigGrin::Smile:If sombody smashes into me they pay for one :Doh:
    terry
     
  8. Geo

    Geo Trader - Funster

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    Dont know what year your honda is Jim but if more than three or four years old it only takes a slight knock to write em off these days:Doh:
    and when that happens there is no coutesy car, as there is no repair:cry:
     
  9. GJH

    GJH Funster Life Member

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    Yes, a similar thing happened to us a few years ago with Churchill. Also, as the car was written off the insurance policy was suspended meaning the policy holder was not insured to drive any car.
     
  10. scotjimland

    scotjimland Funster Life Member

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    you miss the point Terry, that was only an example.. I don't want or need one either but to compare FAIRLY you have to read the T&Cs, not just the bottom line ..

    All these EXTRAs come as standard with an NFU quote.. that was my point..


    also... your assuming all drivers are insured Terry....
     
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  11. Ralph-n-Bev

    Ralph-n-Bev Funster

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    Ive just got my renewal through from Direct Line. Full no claims etc.
    When i said i could get it cheaper from at least 15 more companies ( I had been on a comparison website ) they reduced the price by £40.
    We are still paying more than lots of the other companies , but not much , and have good legal cover, courtesy car, and higher contents cover, protected no claims, something or other if the other person isn't insured etc etc. Also its not a foreign based call center.

    As for putting someone else on the insurance making it cheaper , its right.
    Ralph was told to put me on his pick up / dumper truck that he uses for work , to reduce the premium . It did :thumb:
    I do drive it now and again , but rarely.
     
  12. scotjimland

    scotjimland Funster Life Member

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    Point taken Geo.. all the more reason to be with a reputable insurer who will pay out a fair price without a load of hassle and who is looking for an excuse not to..

    as I said to Terry.. a courtesy car was only an example, not a deal maker/breaker.
     
  13. callumwa

    callumwa Read Only Funster

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    I understand what Jim is saying about checking the T&C's and I completely agree.

    The T&C's can vary greatly on so many things, and so could the hidden costs;

    Windscreen Cover - Is it covered or not, will they also repair cracks free.

    Goods in the vehicle - After market stereos, GPS, phones, personal belongings, etc, are they covered and is there a limit (sometimes only the first £200 is covered).

    Courtesy cars - as Jim mentioned.

    Do you have a choice of repairer after an accident - (as discussed in a previous thread on FUN)

    European Insurance Cover - Do they give you a free green card, how many days is included, is there an additional payment for the EU cover.

    Can you drive other third party vehicles - Useful in an emergency.

    Amendments to the policy - Is there the dreaded "admin" charge for any changes.

    Commuting - Are you using it to go to work, are you covered.


    These are just a few examples of things that need to be checked out when considering the overall cost, and of course, how good will the very important after sales and claims service be....
    :thumb:
     
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  14. Terry

    Terry Funster

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    While I agree with all the above :thumb: I consider them all extras :BigGrin: What you need to do is get the basics right :thumb: then add the extras if you require them :Wink: Fair enough if all the extras are included but at the end of the day if you do not need XYZ then why pay for them-my own policy is just about to expire and it had a 500 xs but I could pay 50 quid for a xs nil policy so if I had a bump I had no XS to pay :thumb: this saved me over £300 on the policy if I wanted one with nil xs :Rofl1::Wink:Better me paying £300 less and taking the £50 hit :Rofl1::thumb: Minefield out there :Rofl1::BigGrin:
    terry
     
  15. Snowbird

    Snowbird Funster Life Member

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    Several years ago when I insured my first RV with Adrian Flux I was told that it would be cheaper if I had a wife as a named driver on my policy.
    When I asked why that would be the answer came back that she would be a calming influence on me. Obviously they didn't know my wife.:Doh:
    I KID YOU NOT, Perfectly true.
     
  16. thehutchies

    thehutchies Funster

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    I'll agree with the second named driver advice, too.

    We recently insured our car and it was 25% cheaper for both of us to be named than it was for either one of us alone.

    :Confused:

    It seems counter-intuitive but then, who cares as long as it keeps the money in my pocket? :Smile:
     
  17. Griffs

    Griffs Funster

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    nfu

    I have been with NFU for a long time ,just had renewals for three of our vehicles and yes major increase, I have my works van on one policy and the rv and a car on another policy (one driver under 21) I rang the local office and they came to a better price.

    I have always been treated well with Nfu and will stop with them , 2 miles from the local office and I can talk to a real person not stuck on a stacking system for ages.

    I also think we are paying extra for these scum bags trying to claim for anything ?
    You only have to look at the television and there is always some company of solicitors trying to get people to claim for accidents .:Eek!:
     
  18. GJH

    GJH Funster Life Member

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    Interesting. When Jill rang last week they didn't offer any reduction at all.
     
  19. ShiftZZ

    ShiftZZ Funster Life Member

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    I have been to their HO in Stratford on Avon, stunning building, staff well catered for, covered walkway to the onsite restaurant and an indoor swimming pool.

    Strange setup, the local branches simply ignore HO and do their own thing, they also suffer a lot from Jewish Lightening..


    [​IMG]
     
  20. Landy lover

    Landy lover Funster

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    Very much agree with ScotJimLand on this - we have been with the NFU for over 30 years now. we have had one or two bumps over the years and always perfect treatment - a couple of years ago we had a major smash with a 7.5 tonne lorry our lorry other party at fault - the bill for a hire lorry came to over £5,000 but all was sorted out by NFU - before that we had tried a number of different companies and service and cover was all minimum and any problems always became major problems - since then we have been with NFU - we get a discount by committing to stay with them for a given period :thumb:
     
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