Caravan Club car insurance

i told my insurer that i did no longer have a tow bar fitted to my car and the renewal premiun was reduced by £14...!

Parking sensors should reduce the posdibility of a minor accident and any insurer charging extra is having you on. The club insura nce is a brokerage and it would not be their decision to charge.

If an insurer charged extra for a tow bar they ripped you off as well. It in theory reduces the risk as those towing have less accidents according to the statistics.

Every Insurance Company attempts to automatically renew your policy every year, usually at an increased premium. I guess it's because some people don't bother to check.

I also find that there is a big difference between organisations like the CC, M&S, Tesco etc. They are NOT insurance Companies and just lend their name to a service provided by underwriters who immediately decline anything slightly risky - you had an accident last year sorry, you live near a river, sorry, you have a medical condition, sorry.

Every Insurance Company attempts to automatically renew your policy every year, usually at an increased premium. I guess it's because some people don't bother to check.

 

 

I always have home, caravan and both our car's insurances on automatic renewal. The reason is simply 'lest I forget'. True the companies send a renewal a few weeks before. As I can be away over 7 weeks I may not be at home to recieve it. I usually remember but - not always. 

I was watching a programme a couple of weeks ago,    and they were saying that one of the reasons for the recent increases in vehicle insurance premiums,   is that the extra sensors and anti crash "radar?"is normally fitted just behind the very vunerable plastic bumpers and are very expensive to replace

I can believe that. 

Premiums have risen over the last few years, partly inflation but also the fraudulent injury claims, cash for crash and the so called claims management firms who take a large introductory fee for passing you to a solicitor when you could have done that yourself.

I agree that premiums have risen but there is also more competition so the insurers have to try and claw some back by increasing premiums at renewal time. I don't believe this has anything to do with increased cost, it is a slightly underhand way of putting the price up in the hope that you either don't notice or can't be bothered. Many people don't want to spend three hours saving £30 or so, their time is more valuable.

The actual problem is that to get the business some companies are charging below cost or with little margin. To make this up they then need to get an increase at renewal but lose out because the policyholder has gone elsewhere to someone else undercharging. Pretty silly really but that is life.

We have renewed yet again with SAGA for our M/H. We did the usual ring round of the big favourite companies first and not one of them could come anywhere near the renewal from SAGA. When we then spoke to SAGA we got a further discount for 'loyalty' we then asked about their European/UK 5*  breakdown cover, went through everything to see if it covered what we wanted it to and got another discount for taking it out at the same time as our insurance. All up including breakdown £302.00.