To be hacked off with insurance companies?

[StudiousSal]

DS1 passed his driving test today, 1st time bless him, my dad left him his old car, which is not worth much at all.

I've been trawling the internet all day the cheapest company, want £3,553.00 a year.

He can't afford this, he's still looking for work, and I can't afford to help him out, he's so down now.

Sorry but no claim accidents DO affect your premium it's reality.

Ah yes, everyone advised me to go to a broker as they'd offer a personalised service - ha!

They could only match my renewal quote, when the price comparison websites gave me quotes that were less than 50% of the renewal. So I think that's bollocks too

So we've gone from insurance companies don't do this, to not all insurance companies do this, to if you go through a broker they won't do this, to if you go through some brokers they won't do this. The list is getting smaller and smaller.

As far as I'm concerned insurance companies will use any evidence they can to extort more money out of you and then when you actually need them to do something like sort out a claim they're worse than useless. That's Fortis btw, one of the world's largest insurance companies.

Tyler, if price if your main consideration, which is why you use price comparison websites, then you know what they say about peanuts and monkeys. Insurance is not just about the price, it is also the fine print, which is what you pay for with any insurance broker worth their salt.

If you want to stick by your prejudices and don't want to believe sugar, then that is your own loss.

Why should I take the advice of someone who says "Total bullshit - this only applies when liability has been shared." which is a blatantly untrue statement for a huge proportion of the insurance industry?

The way my claim handled was basic incompetence, nothing to do with the fine print.

And yes, I use price comparison websites, but I don't always go for the cheapest, it's a consideration but not the only one.

I am sure insurance companies are just misunderstood and warm and fuzzy really

Your last sentence was just silly, tyler. I disagree with alI you said but will very happily not waste any more breath on someone who is determined not to find a solution but just pour scorn.

OP, only skimmed the thread so not sure if this has been said already, but what you could do is put your name on his insurance. (Like some people have said, you can't be the main driver and your DS just be named on the policy as the insurance could prove invalid)

When I had just passed my test it seriously brought down the cost of insurance to have both my Mum and Dad named on the policy. Totally above board as both of them did occasionally drive my car. IIRC it took about 20% off! Worth checking out.