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Car insurance companies using cookies to dupe me?
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I declared it, it's just 5 car quotes in I anted to see what the difference would be without the dr10.
I didn't know they got so sassy over this stuff...0 -
voyagerman wrote: »I declared it, it's just 5 car quotes in I anted to see what the difference would be without the dr10.
I didn't know they got so sassy over this stuff...
It's hardly sassy, they would view that as attempting to defraud the insurer by not disclosing the true facts. How did they know you 'just wanted to see the difference'? Once you've done it and they've tracked it; that's why they block you or increase rates.
This is why it's advised to do dummy quotes using false data to see the relative difference between two options. You're not tarnishing your own record if you use false data.
Personally I always use false names and my neighbours address.0 -
When I was looking for a new car I just rang them up and used real plates of similar cars (from dealers) and just asked them straight up what they would be - as above it's often easier with a human rather than a machine set to flag stuff up. However as you've found out, as soon as you declare something major like a driving conviction then remove it again you're immediately on a "watch" list because it looks like you're trying to find out if you should not declare it to get a cheaper price
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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From the above discussion it's abundantly clear that you should NEVER input genuine data to these comparison sites in the first instance. How easy would it be to get put on a "watch list" accidentally, or for no good reason? Bloody easy, I would say.0
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From the above discussion it's abundantly clear that you should NEVER input genuine data to these comparison sites in the first instance. How easy would it be to get put on a "watch list" accidentally, or for no good reason? Bloody easy, I would say.
True, because it's so easy to "forget" that you've been banned from driving under a drink drive charge. How inconsiderate of those nasty insurers not to cater for this......
(OP - this not an accusation aimed at you btw)All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.0 -
True, because it's so easy to "forget" that you've been banned from driving under a drink drive charge. How inconsiderate of those nasty insurers not to cater for this......
(OP - this not an accusation aimed at you btw)
That is not what I'm getting at, and you know it!
It's entirely legitimate to want to know how much your insurance has increased as a result of a conviction, so you get a quote with and without posting the conviction. However, we're informed that in so doing you're likely to be flagged up as a fraudster. Typical bottom-feeding activity of the insurance "industry".0 -
That is not what I'm getting at, and you know it!
It's entirely legitimate to want to know how much your insurance has increased as a result of a conviction, so you get a quote with and without posting the conviction. However, we're informed that in so doing you're likely to be flagged up as a fraudster. Typical bottom-feeding activity of the insurance "industry".
I'd really love to know what you do for a job. My money is on solicitor.0 -
That is not what I'm getting at, and you know it!
It's entirely legitimate to want to know how much your insurance has increased as a result of a conviction, so you get a quote with and without posting the conviction. However, we're informed that in so doing you're likely to be flagged up as a fraudster. Typical bottom-feeding activity of the insurance "industry".
Question being what exactly is the point of getting a quote without the driving conviction? The insurance would be cancelled in the worst case scenario and it's clearly not valid - you'd know from last year what your quote was so doing the quote hiding the conviction serves no purpose as you'd not take it out if you had any senseSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Surely it doesn't take 5 quotes to see what difference a conviction makes?0
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A while ago OH had two speeding convictions to his name. I got a quote (Tesco), which seemed reasonable, under the circumstances. Out of interest (and to see how much this boy racer of mine was costing) I put all the info through again, but without the convictions. It came out more expensive.
I rang them, and asked if he should go for a third, in the hopes of reducing his premium further? There was some scurrying, and no-one could give me a sensible answer for why it had happened - but reading the previous posts I'm beginning to see how things are. This explains much!!No longer a spouse, or trailing, but MSE won't allow me to change my username...0
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