iam paying more to park my car in a garage than on the road outside my house !!!!

dave_lavis

i have just contacted my insurance company to change the number plate of my car as i have taken off the private plates. they asked me where i park it at night and i told them it was in the garage.(the infomation i put on the form when i signed up) they then told me i had to pay £3 more beacuse it was more of a risk being secure in a garage!!!!! i know it is ony £3 but it is the principle. also why was i not charged this when i filled out the form last year? oh, and i had to pay£25 for them to change the plate detail!!!! insurance companys are just ripping people off and there is nothing we can do!!!

lisyloo

i know it is ony £3 but it is the principle

This doesn't sound right if you have not changed the location of the car.
I would question this.

oh, and i had to pay£25 for them to change the plate detail!!!! insurance companys are just ripping people off and there is nothing we can do!!!

Well actually they have to pay the staff (and their sickness, pension, nationa insurance, training, holidays, toilets, kitchen, indemnity insurance) and the phones, computers, rent, heating, lighting etc.
They also have to update their own database and provide the software/hadware to keep your updates safe and secure.
They also will have to update the database(s) the police and the Motor insurers bureau use.

I think £25 is not an unreasonable admin fee.
The staff don't turn up for free you know :-)

mikey72

lisyloo wrote: »

Well actually they have to pay the staff (and their sickness, pension, nationa insurance, training, holidays, toilets, kitchen, indemnity insurance) and the phones, computers, rent, heating, lighting etc......

Good job he changed his number plate.
How would they have paid for the toilet paper otherwise?

dave_lavis

dont really mind the admin fee, but the garage details was on the original form. i find it strange they asked the question when checking my details!!! is there a bonus scheme i wonder?????????

adamc260

Your more likely to hit into your garage or have items in the garage fall off shelving and damage your vehicle along with items propped up falling over and damaging it. When I was a claims handler I saw these events happen quite often.

The driveway is usually the best place to park your vehicle.

lisyloo

How would they have paid for the toilet paper otherwise?

Fewer amendments -> fewer staff -> less toilet paper.

Do you go to work for free mikey? or do you expect to be paid?

lisyloo

dont really mind the admin fee, but the garage details was on the original form

You should question it.
I can't see any justification.

Your more likely to hit into your garage or have items in the garage fall off shelving and damage your vehicle along with items propped up falling over and damaging it. When I was a claims handler I saw these events happen quite often.

It's not an amendment.
He hasn't moved the car.

mikey72

lisyloo wrote: »

Fewer amendments -> fewer staff -> less toilet paper.

Do you go to work for free mikey? or do you expect to be paid?

I'd love it if I went out to do a job, the customer told me they'd given me the wrong address, and I could put an extra £50 on for turning up at the right address instead.

Or I was going to fit a white switch somewhere say, customer changes their mind and wants silver, £50 + the cost of the switch, (well, twice the cost, as It's a short term job rate now)

adamc260

lisyloo wrote: »

It's not an amendment.
He hasn't moved the car.

OP posted "they then told me i had to pay £3 more beacuse it was more of a risk being secure in a garage"

So I don't quite get what your on about? Not saying he has moved the car. The OP wanted to know why it was more, I gave an explanation?

lisyloo

So I don't quite get what your on about? Not saying he has moved the car. The OP wanted to know why it was more, I gave an explanation?

Hi Adam - one of us here has mis-understood.
My reading is that the OP rang his insurers as he'd changed his number plate.
It was original parked in a garage and now still in a garge but they want £3 for that, which sounds wrong.
My reading is that the title refers to the increase the insurer is propsing and not that he's moved his car.
Perhaps Dave can clarify?
(Whichever of is has misunderstood I'm sure it's a genuine difference of interpretation)

dunstonh

insurance companys are just ripping people off and there is nothing we can do!!!

Please give us your informed opinion on how you have come to that conclusion.

You should question it.
I can't see any justification.

In some areas, theft of cars with a burglary are a major issue. (break into house, steal car keys at same time, drive away in car). If the car is in the garage or private driveway then they can find the car easily. If its parked in the street its harder. Not all insurers charge more for this but some do only in areas where it is an issue. There was some coverage of this very thing a month or two back.

However, if it was classed as garaged at the start and remains like that then I cant see why a premium increase would occur other than an admin charge. It suggests that something wasn't recorded correctly at point of application and changed at this point. The person on the telephone wouldnt really have much of a clue why the premium has increased. Most are not trained to that sort of level and most don't have any interest in their job. If you are lucky and get one of the long term staff or a supervisor you usually get better information. It could be that private plates are cheaper (cherished plate leading to well maintained car, leading to lower claims?). Or if the type of garage wasnt quite right (i.e a house garage compared to a shared garage).