So, are you inferring that you could have used imply when you chose to use infer? That seems to be the implication!
Aviva says lowest car Insurance quote available is €280.
- Thread starter IsleOfMan
- Start date
So, are you inferring that you could have used imply when you chose to use infer? That seems to be the implication!
I think "assertion" would be more correct
I've rang insurers a few times after receiving offers like that. In every instance they've matched the online quote over the phone. Once I got them to improve it but that was a few years back.
Mrs C rang Aviva today and as per the email, Aviva will only offer the "call to renew" price
If she wanted the "online price" she'd have to renew online, no ifs and or but's
However when she informed them of the new customer online quote of €310 that she had gotten she was transferred to the new customer dept
Where the sales person went through the quote and even commented that the gross premium was €100 cheaper then the renewal quote
But would not renew the old policy at that price and wouldn't accept the new customer policy over the phone and informed Mrs C to do it online
So in the end Mrs C has her policy with everything included, journey wise, Protected NCB with step back, the lowest Excess
And she even got a 15% discount for renewing online as a new customer which is normally 10%
The premium is obviously €310 but that includes a "minimum premium charge" of €41.24
Even if you get a quote close to their "minimum premium" it's still worth while calling to see if it can be bettered
Mrs C by phoning upped the the minimum charge from €27.12 to €41.24 and though she couldn't use that this year to add additional cover,
It might come into play at next years renewal
So in the debate of whether Aviva were "inferring or implying",
I think now they were informing us of a change in policy when it comes to renewals
That you will only now get the cheapest insurance by renewing online
Which in my opinion will be bad thing for us consumers in the long run
I think now they were informing us of a change in policy when it comes to renewals
That you will only now get the cheapest insurance by renewing online
Which in my opinion will be bad thing for us consumers in the long run
I didn't renew my renewal quote but applied as a new customer and was offered the €310 about €50 cheaper than renewal. I contacted them through one of their online forms and advised them to transfer across my No Claims details to my new policy.
I got a confirmation that this was done.
However it hasn't stopped the emails and almost daily texts reminding me to renew my old policy, running out of time, please renew now, type of thing. I have had to resort to making a complaint to stop them.
They do not seem to be able to link old policies to new policies.
I know exactly what is going to happen next........I will find that my car policy hasn't been linked to my wife's car policy and neither of them will be linked to my house insurance as they come up for renewal. I will have to go through the annual ordeal of yet again reminding them that we have three policies with them and "can we have our loyalty" discounts please.
I got a phone call in respect of my complaint from Aviva.
They said that their system cannot stop the reminders coming out to me to renew my old policy even though I have taken out a new policy and advised them of this.
I was told that is what customers want, to be reminded, in case they forget or because they were away on holiday. (I was never asked for my feedback on this were you?)
So, because other people may forget to renew, the rest of us have to put up with constant reminders about an old policy.
Funnily enough Mrs C renewed her insurance as a new customer on Monday
Yesterday (Wednesday) she got a reminder email from Aviva about her old policy
But with an additional offer of an extra 10% off!!!
So if and when you get your renewal details, wait until closer to your renewal date to see if they automatically offer you a better deal
The Aviva car insurance renewal quotation monkey must be seriously unwell!
Last year's motor insurance cost me €310. My renewal quotation is €560: same car, same 4 drivers, no claims, no penalty points, but everyone is a year older, as is the car. That's a remarkable increase of 80% - plus another €60 should I opt to call them up to check whether they've all gone stark staring mad! Stung into action, I shopped around and, in less than ten minutes, found 3 quotes for less than €400. The lowest being €355.
Am I correct to assume that the fact that I'm turning 70 later this year may explain this crazy premium increase?
Last year's motor insurance cost me €310. My renewal quotation is €560:
same car, same 4 drivers, no claims, no penalty points, but everyone is a year older, as is the car. That's a remarkable increase of 80% - plus another €60 should I opt to call them up to check whether they've all gone stark staring mad! Stung into action, I shopped around and, in less than ten minutes, found 3 quotes for less than €400. The lowest being €355.Am I correct to assume that the fact that I'm turning 70 later this year may explain this crazy premium increase?
No, similar story for me and I'm a bit younger - my car insurance jumped a similar amount with Aviva - they offered a lower premium when I rang them, but still way too high, so I went elsewhere.
Des Pondent
Registered User
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I am with Allianz, my renewal is up €3.50 this year, happy with that.
Could also simply be due to changes in their actuarial criteria whereby they change the the sections of the market that they want to focus on? Impossible to tell really unless you can get them to explain. Shop around obviously.
I think that I'm about to become an Allianz customer too.
Des Pondent
Registered User
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Allianz appears to do things a bit different to other insurers.
I got my Allianz renewal and in the price breakdown my basic policy worked out at €200.
Allianz like others have a minimum policy amount, theirs is €283. The higher €283 was then my starting point, they then added on the extras like comprehensive, protected ncd, breakdown etc which brought my policy up slightly on last year to €340.
Some insurers allow you to use the extras to get to their minimum premium. I phoned and asked if the extras could be used like other insurers to bring me up to the minimum premium, their reply was no, that's the way they do it and they could do no better.
At €340 they are by far the best for me with the extras I want, but I had to ask.
I got my Allianz renewal and in the price breakdown my basic policy worked out at €200.
Allianz like others have a minimum policy amount, theirs is €283. The higher €283 was then my starting point, they then added on the extras like comprehensive, protected ncd, breakdown etc which brought my policy up slightly on last year to €340.
Some insurers allow you to use the extras to get to their minimum premium. I phoned and asked if the extras could be used like other insurers to bring me up to the minimum premium, their reply was no, that's the way they do it and they could do no better.
At €340 they are by far the best for me with the extras I want, but I had to ask.
Surely you could have been more selective in your choice of add-ons to get closer to €283+ than €340?
I'm a bit confused by the point that you're trying to make to be honest. You seem to be saying that they don't allow you to top-up the €200 quote with add-ons when that's exactly what you did?
I'm a bit confused by the point that you're trying to make to be honest. You seem to be saying that they don't allow you to top-up the €200 quote with add-ons when that's exactly what you did?
Des Pondent
Registered User
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They don’t allow add-ons to get to their minimum premium, some other insurers do allow add-ons to get to their minimum premium.
My basic price is €200, their minimum is €283 so they add €83 on to my basic price and then add the add-ons.
So I have to pay my basic €200 plus €83 plus the €57 worth of add-ons that I chose.
Ok, I understand now. Thanks.
Update to my recent complaint re. a shocking 80% increase in my Aviva motor insurance renewal:
Cost of Aviva policy renewal: €560.
Cost of taking out a motor insurance policy with Aviva as a new customer (same car, same drivers, same everything!) €350.
Conclusion: Loyalty means nothing to Aviva; a company which has utter contempt for its existing customers.
Cost of Aviva policy renewal: €560.
Cost of taking out a motor insurance policy with Aviva as a new customer (same car, same drivers, same everything!) €350.
Conclusion: Loyalty means nothing to Aviva; a company which has utter contempt for its existing customers.
Same for all companies in my opinion and experience.
WaterWater
Registered User
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Just on the free travel insurance deal with Aviva.
If you have a house insurance and car insurance policy with them you can get free European travel insurance policy.
Both my car and my wife's car are insured with them. We are named driver on each other's policy also.
Our home is insured in joint names with them.
Tried to get my free travel insurance yesterday but it said I was not entitled to it.
I used my wife's car insurance details linked with our home policy......but as I am named first on the home insurance policy it would not accept her.
I had to re-apply using my car insurance details linked to our home insurance details.
If you have a house insurance and car insurance policy with them you can get free European travel insurance policy.
Both my car and my wife's car are insured with them. We are named driver on each other's policy also.
Our home is insured in joint names with them.
Tried to get my free travel insurance yesterday but it said I was not entitled to it.
I used my wife's car insurance details linked with our home policy......but as I am named first on the home insurance policy it would not accept her.
I had to re-apply using my car insurance details linked to our home insurance details.