Car insurance- whats happening here

alwaysskint96

my DD has car insurance on an old pug 206 That cost 700odd quid 7 months ago with Tesco Bank Box Only asking about changing the vehicle ( to another same year same spec) they are now saying she needs anothner £660 to change it for the last 3 months of policy. Can anoyone make sense of this? BTW used them for a quote as if for a full year and came out at £780 Am confused and Daughter now stuck with non running car on road as cant afford to buy replacement and 95% extra for 3 months Cancelling the policy will be more expensive than just paying the regular instalments on the broken car

Marktheshark

The old proverb "They see you coming" explains it perfectly.

Norman_Castle

Cancelling the policy will be more expensive than just paying the regular instalments on the broken car

The extra £660 is based on her needs. 3/4 through the policy and welcoming another years ncd. They've got your daughter (theoretically) by the balls.

Can she live without this car for three months and replace it at renewal?.

gilbert_and_sullivan

Every little helps apparently, maybe they redeployed the more creative accountants into insurance-renewals-with-a-sting-kerching.

As Norman Castle suggests, i'd move heaven and earth not to pay another penny of my money ever to this company (I don't either) and wait until renewal before changing the car, hopefully the car will last for the next few months, then she's free from their clutches for the rest of time.

AdrianC

I wonder... Was the original policy based on a black box being fitted (at their expense?), and they won't fit one for three months? Did the original car die mechanically, or get bent? (and, if it was mechanical failure, are they suspecting a single-vehicle collision that they're not being told about?)

What does the paperwork say about fees for changing vehicle part-way through the year?

dacouch

Has she passed her driving test since taking out the cover?

alwaysskint96

passed test before taking policy, Car has cambelt failure although black box fitted

Fees say £80 for new box fitted