Aaah….The AA…wonderful company…NOT!

mamabuddah

I contacted the AA about the fact my renewal hadn’t come through (due 1st June) usually it came through on 27/28 April, yesterday they said “oh it’s been generated, you should have it in the next day or two”…email arrived this morning…

” We’re writing to let you know that your current insurer, ABC Insurance is no longer part of our panel of insurers.Your policy is due for renewal on 01/06/2024, and unfortunately due to underwriting criteria, we’ve been unable to find you cover for the next year with an alternative insurer. This means your policy will end on 00.01 on 01/06/2024 and you’ll no longer be insured by us.

 You’ll then be entitled to 25 years no claims bonus, subject to no claims being made.”

I like to search early for better deals…fortunately I’d done a bit of leg work using Martins tips…but seriously…did they only decide this today when generating my renewal…no reasons? No other company? I mean at the end of the day they are just brokers.

I’ve no claims, no restrictions, no change in circumstances from last year, yet they can do nothing for me…wonderful lot!

dunstonh

I’ve no claims, no restrictions, no change in circumstances from last year, yet they can do nothing for me…wonderful lot!

Well, something on your file with them is not letting them find a provider.

did they only decide this today when generating my renewal…no reasons? No other company? I mean at the end of the day they are just brokers.

No. You are not that special that you get a personalised broker to look at your case. It's an automated system.

DullGreyGuy

mamabuddah said:

I contacted the AA about the fact my renewal hadn’t come through (due 1st June) usually it came through on 27/28 April, yesterday they said “oh it’s been generated, you should have it in the next day or two”…email arrived this morning…

” We’re writing to let you know that your current insurer, ABC Insurance is no longer part of our panel of insurers.Your policy is due for renewal on 01/06/2024, and unfortunately due to underwriting criteria, we’ve been unable to find you cover for the next year with an alternative insurer. This means your policy will end on 00.01 on 01/06/2024 and you’ll no longer be insured by us.

 You’ll then be entitled to 25 years no claims bonus, subject to no claims being made.”

I like to search early for better deals…fortunately I’d done a bit of leg work using Martins tips…but seriously…did they only decide this today when generating my renewal…no reasons? No other company? I mean at the end of the day they are just brokers.

I’ve no claims, no restrictions, no change in circumstances from last year, yet they can do nothing for me…wonderful lot!

They didnt decide anything, they aren't a Motor Insurer, it's their panel of insurers that decide what risks they want to take on for what price.  And yes, they do only run their renewal process once so will only know if they can offer you a renewal on that day, they dont do a dummy run of every policy every day. I dont know what broking software the AA uses but most broking software carries a per quote charge and so it would be exceptionally expensive exercise to do each day. 

They do however have fixed T&Cs which mean each insurer has to create bespoke pricing models for them so its not like a traditional broker where they could in principle then approach any other insurer to see if they'll offer terms... certainly not worth that leg work for the 5-10% commission they get for a single policyholder