There doesn't seem to be any rhyme nor reason to insurance premiums. Every year I ask Adrian Flux for a quote as I have another policy through them but the quote for the 300C is always silly money.
I'd agree partly although, to my mind, the reason is that they are trying to gouge as much cash as possible out of the customer.
I was with M & S insurance but, in July some moron ran into my Voyager and totalled it while it was parked over night - they were even kind enough to sweep up the glass and debris off the road so we didn't have to do it...
Naturally they didn't bother to leave any details.
M & S paid up but wanted an extra £150 quid on the premium despite the fact that I [supposedly] had protected NCD. So, I cancelled and went with Hastings Direct at £387. What a mistake that was. I have been inundated with phone calls, letters and emails from Hastings Direct all contradicting each other. [You may know that many so called insurance companies these days are simply shells and the actual insurance part, the underwriting, is farmed out to roughly the same group of under writers] Anyway it seems that Hastings Direct use the same under writers - Premier - as M & S; they seem to have decided that they weren't charging me enough and decided to cancel my NCB. It took 3 months of wrangling with them to get Hastings Direct to agree to re-instate it [by which time they'd upped the premium to £625 citing administration costs] and, when I finally got Hastings Direct to agree I was told that as 3 months had passed then I would have to take out a new policy to get the discount and that they would charge £55 for cancelling the old one...
As you can imagine I was not terribly amused but agreed and got the price back down to £427 as I couldn't face the hassle of shopping around again.
Yesterday Hastings Direct rang me and told me that they had decided that as the accident I had was not a no fault accident i.e. my insurance had paid, Hastings Direct would have to increase my premium by £106...
I am now with John Lewis for £372.
So, if anyone is thinking of using Hastings Direct, be warned!
As a small service to Hastings Direct and to show my appreciation of how Hastings Direct looked after me, I did promise the customer manager I spoke to that I would do my very best to publicize Hastings Direct to every one and in any way I can when he suggested to me a further cancellation fee of £55.00 was due to Hastings Direct together with an administration charge...
I have asked Hastings Direct to invoice me and look forward to an appearance in court to dispute the amount with Hastings Direct or their lawyers.