Renewed the Car Policy online, year 2 with this company.
It was £8 up on last year (£180) & at least £30 cheaper than the names of unrecognised insurers & around £100 less than household name insurers.
Waited some 12 days & No insurance Certificate. Phoned & the answer is "you can see it online".
Police, DVLA, Post Office have it online so the Certificate of Insurance in unnecessary!
They gave me one last year!
What is your experience with your car insurer?
PS Renewed House & Contents with another company online- renewal acknowleged within minutes on email & 2/3 days later by post. Premium went down from previous year by £5. Again did comparison & were within a few ££s of household named insurers.
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>> What is your experience with your car insurer?
Direct Line seem to love paperwork. They issue loads of it for my car insurance. First the renewal quote through the post, along with updated T's & C's, and other bits and pieces (flyers), mainly trying to flog house, pet, travel, etc insurance.
Then once renewed, another load of paperwork through the post:- the insurance cert, the insurance schedule, T's & C's again, all the flyers again.
Bike insurance is with Carole Nash. Renewal quote through the post, then the rest is dealt with via email, including the new insurance cert and schedule.
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Not had a paper CoE sent to me for about 8 years, it's all been in my on line documents section. Why on earth do you need a paper one these days?
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à don't know but we got one in July.
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We just received 2 along with a sheaf of about 10-12 pages of renewal documents for wife & daughter's Admiral multicar renewal. OK it's 2 policies but still seems a bit overkill. However it's about 10 quid cheaper than last year so probably will not arguer & will just renew at that.
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>> Not had a paper CoE sent to me for about 8 years, it's all been
>> in my on line documents section. Why on earth do you need a paper one
>> these days?
AIUI I need it if taking car to mainland Europe. Probably useful in UK in case of need to exchange details but could do that with copy on phone.
Anecdotal evidence suggests UK Police attitude is that printed certificates are not worth the paper etc. - just too easy to fake up with a PC and printer. They have access to an insurance database that's considerably more detailed than ASkMid and probably out of hours contacts at big insurers too.
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LV email insurance certificates, but I haven’t had one in the post for years
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LV are good like that ( I get an e-mail annually). Really handy, especially travelling abroad, saves carrying loads of paperwork.
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Whenever my car is in the garage for something that requires a courtesy car, I take my insurance certificate with me so I drive it on my insurance. They just photocopy it in two moments and are happy. Seems easier than finding an online pdf in a showroom with dodgy wifi and them looking, but not being able to copy it.
Don't say I could print it, I don't possess a printer and I bet they'd cavil if it weren't the original anyway.
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I have all my "important" docs scanned and PDF'd and in local storage on my phone, as I'm rarely out without my phone. That includes passports, travel insurance, car reg and insurance docs etc etc... With no scanner you could always just take a photo of them.
Though as I did once break my phone whilst en route to the 1st night of a solo holiday in Germany, and I had no way to get the address of where I was going without a very convoluted call to home, I now also tend to carry print-outs of bookings and other critical info.
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>> Whenever my car is in the garage for something that requires a courtesy car, I
>> take my insurance certificate with me so I drive it on my insurance.
not covered under their insurance, or personal preference?
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Theirs has £1000 excess unless you pay £15. Even then it's a £250 excess. My excess is nothing. Also, claiming from my own company if it were needed is a known to me, as I've done it before. Claiming via whoever they use is an unknown.
So I save a few pounds and sleep easier.
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>> Theirs has £1000 excess unless you pay £15. Even then it's a £250 excess.
Blimey! And I thought my local garage's cost for a courtesy car was expensive. They charge £10 for a collision waiver, else you have to pay £250 or £300 excess in the event of an accident while driving one of their cars.
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>> not covered under their insurance, or personal preference?
Perrys in Milton Keynes who sold us our Berlingo want money for their cover and excess is still a lot more than my LV policy. LV certificates cover (a) the insured vehicle and (b) any car provided by a garage or repairer while insured vehicle is in their care.
Twice I've had 'words' with Perrys reception staff who seem to have a Pavlovian response that assumes I'm relying on my own car's 'driving other cars' 3rd party only provision. That wouldn't actually work as 'lingo is in Mrs B's name. Calls to LV resolved issue both times but it's bloomin frustrating.
EDIT: More or less what Crankcase said.
Last edited by: Bromptonaut on Tue 31 Jul 18 at 18:31
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The last time I had to take a car to a garage and involved a courtesy car about two years ago, they just gave me the keys no paperwork or signatures. Never thought much about it, just drove it and brought it back.
Last edited by: sooty123 on Tue 31 Jul 18 at 19:25
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>> The last time I had to take a car to a garage and involved a
>> courtesy car about two years ago, they just gave me the keys no paperwork or
>> signatures. Never thought much about it, just drove it and brought it back.
That's how it works (or did when I used him regularly) with my local French Car specialist. Was on first name terms with proprietor and his wife and I guess there was mutual trust but I knew my own insurance covered. Perrys OTOH are a national chain with employees who are 'held to account' if they let a courtesy car out without insurance.
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I would think that just taking the car with no paperwork is one of things you would be fine with a million times. But if something did happen, whether a police stop, or a shunt, or a death, and all was not actually in order, it could be, oh I don't know, a bit of a hassle, shall we say.
At minimum it would be proving at the roadside you have third party cover on your own insurance. At maximum, well, depends on how Cassandric you are I suppose.
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en.m.wikipedia.org/wiki/Cassandra_(metaphor)
Every day really is a school day on here :-)
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I remember seeing the film Cassandra Crossing in the early 80s.... any link? :-)
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I dunno you'll have to ask CC, it's all Greek to me.
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>> I dunno you'll have to ask CC, it's all Greek to me.
No good asking me. I'm just an αδÏάνεια φλÏαÏος.
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>> Twice I've had 'words' with Perrys reception staff who seem to have a Pavlovian response
>> that assumes I'm relying on my own car's 'driving other cars' 3rd party only provision.
That's why I take the LV certificate. Just point them at the specific paragraph that says "any car from a garage is fully comp as well" and they're fine. Had no problems doing that with Toyota, Volvo or Ford main dealers.
Last edited by: Crankcase on Tue 31 Jul 18 at 21:52
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>> That's why I take the LV certificate. Just point them at the specific paragraph that
>> says "any car from a garage is fully comp as well" and they're fine.
Only they were not. Twice different staff members insisted on ringing LV to get confirmation. Potentially difficult because it was Mrs B's policy not mine so possible LV might have had a data protection issue. In practice combination of an assurance on my part I had her consent to speak and fact I'm a named driver avoided that and problem solved.
Root cause is situation where employer makes staff personally responsible for mistakes even if they're honest and no negligence involved.
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Garage loan cars can be a BIG problem.
Years ago a garage loan car, hit a car which hit my 13 day old 800 mile new car.
Driver of loan A class had signed for having own cover. She was named driver on boyfriend's car- so did not even have 3rd party cover. Garage "lawyered up" - not our problem we have a waiver!
2 yrs to sort out when the MB garage insurer caved in & paid out.
Damage to my new car £980 - My lawyer's bill £1800, Dr reports £400, Physio £180.............
Insurer's Edinburgh lawyer ££???
If the MB garage & their insurer had played ball (I was stationary at red lights) it would avoided almost £4K expenses for £980 damage.
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Strange how the lender of the car can wiggle out of their responsibilities.
Firstly it is reasonable to expect that they examine a policy to ensure the holder has the required cover to drive their loan car not just take someones word for it.
There are offences of Use, Cause and Permit with the same penalties. So the dealer, the person doing the lending could all be held liable.
BUT I suppose the issue is getting the Police involved :(
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The loan MB garage tried to wriggle until my lawyer asked a question
about allowing one of their cars to be on the road & uninsured.
Oh no! the car is insured but we have a waiver from the customer who signed that they were driving on their own insurance.
Insurer of last resort meant the dealer insurance policy was responsible in the end as there was no other cover.
There was a £1000 excess so the at fault driver denied any liability - she admitted at the site of the accident but then changed her mind on speaking to the boyfriend later in the day.
Boyfriend = "shady businessman"
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I have the same "any car from a garage is fully comprehensive cover" as well on my LV= policy.
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Renewed Insurance Policy - No Cert of Insurance - VxFan
