A warning about monthly payments.

Moody1

Last week, we bought a new car and went to insure it through Churchill. We have been with them for over ten years and have had no trouble getting on monthly payments through direct debit. This time however, I we told that we couldn't have direct debit. When I asked why, I was told it was because of our post code, and although the sale's person could see that we had a long history with them and that there was no outstand payments, there was no way the system would allow it, so its bye bye Churchie. I then tried Tesco direct, same thing.

We finally found a company through Compare the Martket, in fact there were loads that offered monthly payments, but is this start of a trend that they are all going to take up, because if it is, I believe that there are going to be a lot of people who can't afford to pay out right and we'll find that more and more people will drive without insurance, pushing the cost of insurance yet further up.

Any ideas?

lisyloo

Do you not think they might take a loan rather than driving uninsured?
I think most people would.
Most people are law abiding and wouldn't want to drive without insurance.

sarahg1969

Maybe the OP is in Bradford? "Most peple" are not law abiding there, if the stats are anything to go by, although this is from 2008, and Bradford is no longer the worst "offender", apparently.

http://www.thetelegraphandargus.co.uk/news/3660524.Suburb_worst_in_UK_for_uninsured_drivers/

In some areas of Bradford and Preston, insurers won't even offer quotes any longer.

OP, you were wasting your time trying Tesco after Churchill - they are the same company.

WaxiesDargle

sarahg1969 wrote: »

Maybe the OP is in Bradford?.

check out the OP's 'location'....the clue might be there somewhere

Moody1

WaxiesDargle wrote: »

check out the OP's 'location'....the clue might be there somewhere

:mad:Hereford! Whats wrong with that?

sarahg1969 wrote: »

OP, you were wasting your time trying Tesco after Churchill - they are the same company.

:TI know that now.

lisyloo wrote: »

Do you not think they might take a loan rather than driving uninsured?
I think most people would.
Most people are law abiding and wouldn't want to drive without insurance.

Great if you can get a loan, not everyone has that as an option.
I for one would not dare drive without insurance, my licence is far to important to me.

WaxiesDargle

Moody1 wrote: »

:mad:Hereford! Whats wrong with that.

er nowts wrong with that...sarah said maybe you were in bradford...I said...oh never mind lol

redpete

Moody1 wrote: »

:mad:Hereford! Whats wrong with that?

Well, it's a bit too close to Wales for my liking, but that's probably not relevant here.

lisyloo

Great if you can get a loan, not everyone has that as an option.

No-one has an automatic entitlement or right to private transport.
If you can't afford it then don't buy it.

Sorry it that sounds harsh, but it's true.
If you can't afford something you can't have it.
Either save up or get the bus.
There are many alternatives like - car share, bus, train, bicycle, motorbike, legs etc.

Or increase your income by getting additional work.

Moody1

lisyloo wrote: »

No-one has an automatic entitlement or right to private transport.

Agreed. No-one has an automatic entitlement, but I believe everyone has the right to access private transport.

lisyloo wrote: »

If you can't afford it then don't buy it.

Sorry it that sounds harsh, but it's true.
If you can't afford something you can't have it.

So your saying, unless you have the exact amount to buy then go without? What about home's that people want to buy? Unless you have the cost of the home available you should go without.

lisyloo wrote: »

Either save up or get the bus.
There are many alternatives like - car share, bus, train, bicycle, motorbike, legs etc.

Or increase your income by getting additional work.

Oh if life were so simple. Big electric wheelchair into a mini........not going to work. Bus. Less than 45% of buses are accessable to a wheelchair user in this area. Train, even less praticle then a bus. Bicycle and motorbike.........nope not doing it for me either. Legs....... I'd give my right arm to use those.........but there again, thats not useful either. But you did forget taxi's. OK for short distance, but I'll let you explain that we can no longer go to see my wife's elderly parents 35 miles away, because we can't afford £120.......

I came on here, to warn those less financially disposed about the way insurance company's are withdrawing access to insurance with certain postcodes, not to be told, if you ain't got it, go without!