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Quote me happy!!has any one used them before?
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Just for future reference askmid.com will tell you if your car is currently flagged as insured and thus probably safe to drive.
In a situation like this I'd probably do a date/timestamped printout of it each morning which in the worst case scenario will show due diligence in ensuring that you were covered even as Quote Me Crappy proceed to screw up.
Weird how you forgot to mention that £4 per enquiry fed that askmid.com happen to charge. I don't suppose you happen to work for them or hold shares in them by any chance?:eek::mad:
Even QuoteMeCrappy's 0844 number for Complaints that I listed two posts back would be cheaper to call than using this option.
I must say I'm beginning to feel that the grief QuoteMeCrappy give people in trying to confirm their bonus is a scam so they can then charge them the massive cancellation fee. If so its worthy of a major investigation by Which, Financial Services Ombudsman or the OFT.0 -
After the next 2 days I'll have no idea if they carried out their threat and if I've insurance and therefore can't drive my car and get to work.
Yes, call centres cost but a 3 day response time on a legal obligation such as car insurance is not good enough! The stress and time dealing with them is easily worth the extra £20 a proper insurance company would have cost.
Can I take it that you were unaware of their 0844 Complaints number listed in their own policy documents and in my earlier post on the previous page of this thread?
The details they provide for unresolved Complaints in their own policy documents are as follows:-[EMAIL="policyproblem@quotemehappy.com"]policyproblem@quotemehappy.com[/EMAIL] or telephone
us on 0844 891 1181*0 -
NonGeographicalMan wrote: »Weird how you forgot to mention that £4 per enquiry fed that askmid.com happen to charge. I don't suppose you happen to work for them or hold shares in them by any chance?:eek::mad:
Even QuoteMeCrappy's 0844 number for Complaints that I listed two posts back would be cheaper to call than using this option.
I must say I'm beginning to feel that the grief QuoteMeCrappy give people in trying to confirm their bonus is a scam so they can then charge them the massive cancellation fee. If so its worthy of a major investigation by Which, Financial Services Ombudsman or the OFT.
Askmid.com is free to check if your own car is on the register, hence Lum recommending it.0 -
Indeed the £4 fee is only if you want to check if someone else's car and are far too honest to just tick the box claiming it's your own.0
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Indeed the £4 fee is only if you want to check if someone else's car and are far too honest to just tick the box claiming it's your own.
It was just that you only mentioned the askmid.com home page and the £4 fee there is the first thing that grabs one's attention.
Had you given a link to the free check page at http://ownvehicle.askmid.com/ then I wouldn't have come to the wrong conclusion that you were recommending using a chargeable service.:o0 -
I think that at the moment QuoteMeHappy are rather making a rod for their own backs by refusing to take phone calls but then insisting on a customer providing manual documentary proof of their bonus rather than using various available automated methods to check this with the previous insurer.
Having said that perhaps the insurers are now being pathetically difficult about providing an easy automated away to swap bonuses between each other to stop customers leaving and going elsewhere. However given that the motor insurers do run a database to swap details of anyone who ever contacted them for any reason to ask about making a claim (even if they didn't make a claim) I can't really believe they don't have the technology available to do this.
Apart from anything else it would make it far harder for customers to falsify a level of no claims bonus they didn't have. At the moment it seems as long as you could cut and paste a bit of motor insurer letter heading and then scan it and send it to QMH that it would be all too easy to falsify a maximum NCD that you weren't in fact actually entitled to.0 -
This is just to add that Quidco have now just paid me the £40 cashback from QuoteMeHappy although some how they managed to hit me with another £5 membership fee year charge when I thought I would just have been within the old membership year. So this takes the actual cashback paid down to £35. However TopCashBack were only offering £30.30 in cashback so I am still ahead on the deal.
This makes the total cost of insurance with QuoteMeHapy for 12 months insurance on a Group 14 sports car with 6,000 miles per annum and Protected NCD (allowing two claims within a time window of only the last three years rather than the longer five years monitored by some insurers) only £167 per annum. This is for a 49 year old driver with one accident and one speeding conviction both just over four years ago.
So it has to be said QuoteMeHappy are unbelievably cheap if you can manage to push them in to accepting your bonus (I had to message them three times and use the Not Happy link). The next cheapest insurance on this car with Elephant was £287 for the year. And clearly they do pay out on the Quidco Cashback.0 -
NonGeographicalMan wrote: »It was just that you only mentioned the askmid.com home page and the £4 fee there is the first thing that grabs one's attention.
Had you given a link to the free check page at http://ownvehicle.askmid.com/ then I wouldn't have come to the wrong conclusion that you were recommending using a chargeable service.:o
They've changed the design a bit since I last looked at the page. My insurance is up in Februrary and I generally only check it around the changeover period.
The check your own vehicle for free link is still the first one, though I agree that the colour they have chosen to highlight this link with actually has the opposite effect of making your eyes pass over it.NonGeographicalMan wrote: »Apart from anything else it would make it far harder for customers to falsify a level of no claims bonus they didn't have. At the moment it seems as long as you could cut and paste a bit of motor insurer letter heading and then scan it and send it to QMH that it would be all too easy to falsify a maximum NCD that you weren't in fact actually entitled to.
The facilities to check with other insurers almost certainly exists. The same as they have facilities to check your accident history, driving licence status, points etc. etc.
All the insurers still make you specify this yourself and only actually check it themselves in the event you make a claim. Any discrepancy between your statement and their database is then used to deny your claim. Not sure why you'd think NCB would be any different.NonGeographicalMan wrote: »So it has to be said QuoteMeHappy are unbelievably cheap if you can manage to push them in to accepting your bonus (I had to message them three times and use the Not Happy link). The next cheapest insurance on this car with Elephant was £287 for the year. And clearly they do pay out on the Quidco Cashback.
So they're basically RyanAir? Super cheap if you can stand jumping through all the bizarre hoops they put in place.
I wonder if they charge more if you want to carry suitcases in the boot of your car?0 -
Aviva messed up my direct debit payments so I only had to make 4 months payment instead of 10, paying less than half of my initial quote gave me a warm and fuzzy feeling!:j
I haven't had to make a claim so can't comment on the quality of that side of their service which ultimately is all that matters with car insurance0 -
So they're basically RyanAir? Super cheap if you can stand jumping through all the bizarre hoops they put in place.
Yes it is annoying that they make such a kerfuffle of accepting the bonus proof (I would tend to assume they use Indians to do this given the irrationality of the basis on which they tend to refuse to accept your initial document) but ultimately the actual insurance policy is sound (2 claims in 3 years allowed on Protected No Claims compared to only 1 claim in 5 years with Esure's so called Protected NCD) and the excesses are the lowest in the industry (£50 on my Group 14 sports car compared to £350 with many of the other big names like Royal & Sun Alliance). The claims on QuoteMeHappy are supported in the normal way by phone so I really don't expect them to go any differently from a a mainstream Aviva policy or indeed the policies of most other mainstream motor insurers.
In my view at the moment the premiums are being kept artificially low because they are testing the online only administration model and know that until it is proven they have to offer a very low price to get people to try it out. I also honestly think it could work if the proof of bonus transfer side could be automated as this is currently where things are going wrong and all the uncertainty is coming from. I also think they should be prepared to pick up the phone on an outgoing basis if a customer has raised genuine concerns about whether they are covered that clearly do need quelling.
In my view some people posting in this thread clearly panic when they can't make a phone call and then wrongly assume this means there is no insurance policy in place and rush in to cancelling. They wrongly think that the lack of ability to get through on the phone and the silly name of QuoteMeHappy means that they don't have insurance cover. This is the wrong way to approach it. Aviva is a big name and they are very unlikely to deliberately leave bona fide customers uninsured. What you need to do if you are unsure if you are covered is to use the askmid.com site and the Not Happy link on quotemehappy.com and/or email Aviva using the CeoEmail Dot Com address for the CEO. If you do all those things your problems will be sorted and you should then have good cover at a low price.
I do think the Aviva Company Rep ought to be much more active in this thread in trying to assuage any customer concerns and hopefully we will see greater efforts in that regard in due course.0
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