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  • FIRST POST
    • Penn Wooding
    • By Penn Wooding 18th Jun 17, 8:34 PM
    • 24Posts
    • 1Thanks
    Penn Wooding
    Car insurance has doubled
    • #1
    • 18th Jun 17, 8:34 PM
    Car insurance has doubled 18th Jun 17 at 8:34 PM
    I have had my car insurance with the company called Fish since 1992. Fish are a company who only insure disabled drivers.

    Last year my van insurance was just over £500. I received my renewal last week and they are asking for just over £1000. I did have an accident which required me to involve my insurance company, however, that was nearly 4 years ago.

    I'm absolutely astounded, I know that car insurance is increasing, but to simply double what I normally pay is a downright insult.

    Obviously, I'm very reluctant to pay I'm going to have to argue with them about it. Does anyone know of any other insurance companies that insure disabled drivers, I would like to have a look around to see if I can find something cheaper if this company will not back down.
Page 1
    • AdrianC
    • By AdrianC 18th Jun 17, 8:38 PM
    • 14,710 Posts
    • 13,077 Thanks
    AdrianC
    • #2
    • 18th Jun 17, 8:38 PM
    • #2
    • 18th Jun 17, 8:38 PM
    You've renewed your insurance with the same company for the last quarter of a century...? Please tell me you've at least shopped around and decided they're definitely the most competitive for you... Run that same comparison again now.

    But just because they have been competitive in the past doesn't mean they'll continue to be. Perhaps you are no longer their preferred customer demographic.

    If you've just been renewing blindly for 25yrs, as your post seems to suggest, then frankly I'm astonished they haven't taken you for a complete mug before. Or maybe they have.
    • paddyandstumpy
    • By paddyandstumpy 18th Jun 17, 8:44 PM
    • 703 Posts
    • 273 Thanks
    paddyandstumpy
    • #3
    • 18th Jun 17, 8:44 PM
    • #3
    • 18th Jun 17, 8:44 PM
    If you don't mind me asking, how old are you?

    I'm wondering if you've just tripped into the next age bracket, and that's part of the increase?
    • Penn Wooding
    • By Penn Wooding 19th Jun 17, 2:32 AM
    • 24 Posts
    • 1 Thanks
    Penn Wooding
    • #4
    • 19th Jun 17, 2:32 AM
    • #4
    • 19th Jun 17, 2:32 AM
    Yes, I've had the same insurance company since 1992. The reason being is because I am a disabled driver and Fish insurance specialise in insurance for disabled drivers. My insurance is always been reasonable as far as I am concerned.

    I just don't understand why the insurance has doubled since last year. Obviously, I am not going to accept this offer, is absolutely ridiculous. By the way, I'm 48 years old.

    A friend of mine who is also a disabled driver told me this evening that his insurance is around £380 from Direct Line. So tomorrow I will probably give Mr Wolf a ring and see what they offer. Then I will go back to fish and tell them. They say they will match any other insurance quote from another company.
    • Richard53
    • By Richard53 19th Jun 17, 6:07 AM
    • 2,456 Posts
    • 2,121 Thanks
    Richard53
    • #5
    • 19th Jun 17, 6:07 AM
    • #5
    • 19th Jun 17, 6:07 AM
    Most insurance companies will insure disabled drivers. Have a look at the comparison sites, where you will find lots. My wife is registered disabled (DVLA aware, no restrictions) and I have never had a problem getting insurance for our vehicles. Looks like Fish have decided you are so loyal they can take advantage.
    An hour alone spells freedom to the slave.
    • ozmusafir
    • By ozmusafir 19th Jun 17, 10:25 AM
    • 19 Posts
    • 1 Thanks
    ozmusafir
    • #6
    • 19th Jun 17, 10:25 AM
    • #6
    • 19th Jun 17, 10:25 AM
    Got a quote for £900 up from £400.
    Shopping around I can reduce it by £40.
    It's a hard knock life.
    • Penn Wooding
    • By Penn Wooding 19th Jun 17, 12:02 PM
    • 24 Posts
    • 1 Thanks
    Penn Wooding
    • #7
    • 19th Jun 17, 12:02 PM
    • #7
    • 19th Jun 17, 12:02 PM
    Most insurance companies will insure disabled drivers. Have a look at the comparison sites, where you will find lots. My wife is registered disabled (DVLA aware, no restrictions) and I have never had a problem getting insurance for our vehicles. Looks like Fish have decided you are so loyal they can take advantage.
    Originally posted by Richard53
    What insurance company does she use?
    • Richard53
    • By Richard53 19th Jun 17, 1:33 PM
    • 2,456 Posts
    • 2,121 Thanks
    Richard53
    • #8
    • 19th Jun 17, 1:33 PM
    • #8
    • 19th Jun 17, 1:33 PM
    What insurance company does she use?
    Originally posted by Penn Wooding
    She has her own insurance through Motability, which I believe is Eagle Star (or was, last time she had a claim). I was talking about getting her as a named driver on my insurance. eSure, Churchill, Saga, off the top of my head. Never a problem.
    An hour alone spells freedom to the slave.
    • Turn to Grey
    • By Turn to Grey 19th Jun 17, 3:12 PM
    • 74 Posts
    • 17 Thanks
    Turn to Grey
    • #9
    • 19th Jun 17, 3:12 PM
    • #9
    • 19th Jun 17, 3:12 PM
    I too am registered disabled, ( DVLA aware, no restrictions ) and I was insured through The Caravan Club. Last Premium was £180 ( 65 yo, full NCD )
    Started my job at the bottom and liked it
    • takman
    • By takman 19th Jun 17, 5:42 PM
    • 2,393 Posts
    • 2,011 Thanks
    takman
    Yes, I've had the same insurance company since 1992. The reason being is because I am a disabled driver and Fish insurance specialise in insurance for disabled drivers. My insurance is always been reasonable as far as I am concerned.
    Originally posted by Penn Wooding
    But how do you know it is reasonable if you haven't compared it to other insurance companies?. You should always use comparison sites every year when you get your renewal, even if your happy with it!.
    • Tarambor
    • By Tarambor 19th Jun 17, 7:45 PM
    • 877 Posts
    • 583 Thanks
    Tarambor
    Yes, I've had the same insurance company since 1992. The reason being is because I am a disabled driver and Fish insurance specialise in insurance for disabled drivers. My insurance is always been reasonable as far as I am concerned.

    I just don't understand why the insurance has doubled since last year. Obviously, I am not going to accept this offer, is absolutely ridiculous. By the way, I'm 48 years old.

    A friend of mine who is also a disabled driver told me this evening that his insurance is around £380 from Direct Line. So tomorrow I will probably give Mr Wolf a ring and see what they offer. Then I will go back to fish and tell them. They say they will match any other insurance quote from another company.
    Originally posted by Penn Wooding
    I'm disabled, I just follow the MSE website guidelines every year and search. My insurance for TWO cars is less than £380 combined. Actually it was just under £300 for the pair.

    Any broker who says they specialise in X,Y or Z are usually more expensive than ones who don't claim to be. Adrian Flux who specialise in performance cars actually wanted over three and a half times what I ended up being insured by Churchill for.
    • AdrianC
    • By AdrianC 19th Jun 17, 7:49 PM
    • 14,710 Posts
    • 13,077 Thanks
    AdrianC
    Any broker who says they specialise in X,Y or Z are usually more expensive than ones who don't claim to be. Adrian Flux who specialise in performance cars actually wanted over three and a half times what I ended up being insured by Churchill for.
    Originally posted by Tarambor
    Then your car/requirement wasn't specialist.

    If it had been, you'd have been MUCH better off with a specialist insurer. They might have been your only option - especially when you get into specialist requirements for what the policy actually covers.
    • stockton
    • By stockton 19th Jun 17, 10:07 PM
    • 333 Posts
    • 153 Thanks
    stockton
    Fish specialize in disabled drivers because their package includes the extras that disabled people might need. Vehicles generally adapted for wheel chairs and special arrangements made to get disabled people (and carers) and their equipment back home safely when called upon. I imagine you would pay more because they have (supposedly) a lot more to offer for the disabled.

    But if you have no need of those special facilities then you could get insurance from any other number of sources at a less costly rate. As others have said.

    I have read that insurance companies are under an obligation not to load premiums just because people are disabled. There is protection under the disability discrimination legislation.
    • Penn Wooding
    • By Penn Wooding 20th Jun 17, 4:24 PM
    • 24 Posts
    • 1 Thanks
    Penn Wooding
    It turns out that Fish sent me an erroneous quote, something went wrong in the system and it obviously calculated it completely wrong. Anyway, they've now quoted me £566.

    The other person is right, I think you get Green Flag as part of the package. To be honest with you, a lot of these breakdown services are only good for me if I need something to enter the vehicle. I can't get in any other vehicles so it's not worth paying extra for recovery.

    Anyway, I just contacted Direct Line and I just got my insurance for £315. This price includes the no claims bonus thing. If I didn't go for that then it would have been less than £300 for my insurance. If I want green flag then that will be an extra £89. I'll have a look around and see what the AA or RAC are offering. If I can't get anything cheaper than £89, then I just go back and add that to my policy.

    But I must say I am well chuffed with £315, it's made my day.
    Last edited by Penn Wooding; 20-06-2017 at 4:26 PM.
    • AdrianC
    • By AdrianC 20th Jun 17, 4:34 PM
    • 14,710 Posts
    • 13,077 Thanks
    AdrianC
    So the threat of doubling the premium (followed by the old "Oh, sorry, must have been a mistake..." trick) has caused you to look around for the first time in a quarter of a century - and saved you 40% from last year's...
    • takman
    • By takman 20th Jun 17, 5:11 PM
    • 2,393 Posts
    • 2,011 Thanks
    takman
    It turns out that Fish sent me an erroneous quote, something went wrong in the system and it obviously calculated it completely wrong. Anyway, they've now quoted me £566.

    The other person is right, I think you get Green Flag as part of the package. To be honest with you, a lot of these breakdown services are only good for me if I need something to enter the vehicle. I can't get in any other vehicles so it's not worth paying extra for recovery.

    Anyway, I just contacted Direct Line and I just got my insurance for £315. This price includes the no claims bonus thing. If I didn't go for that then it would have been less than £300 for my insurance. If I want green flag then that will be an extra £89. I'll have a look around and see what the AA or RAC are offering. If I can't get anything cheaper than £89, then I just go back and add that to my policy.

    But I must say I am well chuffed with £315, it's made my day.
    Originally posted by Penn Wooding
    Don't forget the next step is to use comparison sites to see if you can get it even cheaper!.
    • Tarambor
    • By Tarambor 20th Jun 17, 7:08 PM
    • 877 Posts
    • 583 Thanks
    Tarambor
    Then your car/requirement wasn't specialist.
    Originally posted by AdrianC
    Yeah actually it was unless you don't consider a modified MX5 specialist.
    • AdrianC
    • By AdrianC 20th Jun 17, 7:21 PM
    • 14,710 Posts
    • 13,077 Thanks
    AdrianC
    Yeah actually it was unless you don't consider a modified MX5 specialist.
    Originally posted by Tarambor
    If you can insure it easily with a mainstream insurer, and get the policy you want, then it really isn't specialist.
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