European Cover Car Insurance

lisyloo

I don't think £5 per day is expensive.
I don't think insurers should work for free (if you got a cheap quote where this was stripped out).
Why would you expect any other company to provide admin for free?

No-one can provide it for free.
The only way the illusion of "free" can be maintained is if you paid extra up front to cover the staff costs.
That is generally mutually exclusive with getting the cheapest policy.

I'm not trying to have a go and I don't work in insurance and of course we all want everything as cheaply as possible, but surely you can't expect a service to be provided for nothing?

boxoffrogs38

Lisyloo
I wasn't asking for it for free, I was asking if anybody knew of a way to avoid it.
My OP was asking if anybody knew of a way to get european insurance from a 3rd party so I wouldn't have to pay the admin fee to my insurer. That has been answered, as I suspected, with no so I will have to pay the admin fee.

wrt £5 per day, I reiterate that the admin fee is £25. So the extra insurance is under £2 per day, which I have no problem with. What I do have a problem with is paying £25 for what amounts to a couple of keystrokes to amend my policy. I will pay it if there is no other way, but as all money savers know, until all avenues have been investigated you cannot be sure if there is actually 'no other way'.

lisyloo

I wasn't asking for it for free, I was asking if anybody knew of a way to avoid it.

I'm struggling with the difference between those two things.
I have no issue at all with people trying to save money, but you've said a few things that make it appear that you think it's wrong for them to charge for their time and costs.

What I do have a problem with is paying £25 for what amounts to a couple of keystrokes to amend my policy

We've been through this before LOTS of times.

In order to do that, they will need expensive software to
a) make the policy amendements
b) keep your personal data secure and comply with the data protection act etc.
c) Keep your payment info secure
d) back it up to make sure they don't lose it.

The person making the keystokes, will need training, a pension, tax, national insurance, sick time, holidays, fire extinguishers, employee liability insurance, kitchen, toilets, sanitary bins, toilet paper, refuse collection etc. etc.
This list is not exhaustive and can be made much longer.

One way to genuinely avoid a lot of those costs is to use a system that doesn't do it manually.

I don't think £25 is a lot of money, when you consider all the regulatory stuff that a business has to deal with (like data protection act etc.).
Traditionally policies used to include all these costs up front.
Now they don't and you pay a share on a piece meal basis as and when you want service.

Anyway I'm glad you got some helpful info.
I'm not criticising (honest) just adding some info for general comsumption which just may :-) make you feel a bit happier about paying it when there is at least some justification.