Avoid Aviva car insurance

Discussion in 'Cars, Bikes 'n AFVs' started by Doc1701, Sep 28, 2012.

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  1. Last year, to my great surprise, Aviva car insurance turned out cheapest, so I bought it. This time round I got a nasty surprise: Aviva only credit at the most 5 years of No Claims Bonus to any account, so that's all they will tell the next company you have.

    So, instead of the decade or so I can prove (and the twenty-odd years of actual not claiming) these bastards have left me with only 6 years provable NCD, costing me a hundred or so on the premium, or whatever Asda decide the extra should be.

    So, if you've got more than 5 years NCD saved up, avoid Aviva unless you have prior proof of NCD.
    • Like Like x 2
  2. For many companies maximum NCB is 5 years.
  3. TheIronDuke

    TheIronDuke LE Book Reviewer

    It is the Car Insurance Discussion Thread.

    After a long and hard-knock life, as I watch by grandchildren tearing about the lower terrace in the sun tormenting the dogs, as my daughter brings me a beer and we settle down to discuss her Nobel Prize acceptance speech and my eldest son hooks his Sikorski S-92 into a perfect landing on the croquet lawn.... I may smile, knowing I may die a happy man.

    For I have contributed to The Car Insurance Discussion Thread. With jarrod at my side.
  4. Alright, you have spoken, and it was poetic but ultimately content-free.

    So, I feel moved to raise one of the great questions of existence: Vi or EMACS?
    • Like Like x 1
  5. TheIronDuke

    TheIronDuke LE Book Reviewer

    I am here speaking from the heart about the people I love, and you stumble in reeking of Unix?. Poltroon. I bet your bicycle is not insured at all. Is it, unwashed Hippy? You and your sort are the reason we lost The Empire.
  6. Actually if you provide Aviva with your previous insurer name they will contact them, verbally validate your previous ncd and then add anything you earned with them to this figure.. It's simple

    Don't expect an insurer to guess your ncd.. All insurers vary in the amount of years they list as a maximum despite the vast majority giving the most discount at 5years.

    Simple to sort and will save you the extra hundreds or so your having to pay with Asda...
  7. I doubt that any insurance broker will honestly consider a positive driving history beyond 5 years old, those that appear to merely hike the base price up to cover the difference. Ditto companies that specialise in over 50's etc.

    I'm convinced that they're all in collusion, anyway. How can a company be the cheapest for you one year but not the next, while other companies will match your previous year's premium despite pricing themselves out of your budget last year? If any insurance company wanted to find your past claims history, they can easily look on the Q (?) database, to which they all (or most) have access.

    For what it's worth, I won't entertain Aviva again (unless they can give me a bargain quote, naturally) but that's down to their handling of the data on the datbase. They misentered the registration number given by a claiming company, recording my car as having been involved in a collision (when they contacted me about the event at the time, I told them that I suspected that they were the victim of a scam as my car was 200 miles from the scene). Five years later, my different broker was about to refuse me insurance because they thought I had lied on the proposal when I stated 10+ claim-free years. I went through hoops getting the old claiming company to confirm to Aviva that the car involved wasn't mine yet Aviva's initial response was that they'd amend the database to read "non-fault collision". It took weeks of strongly-worded phone calls and letters to get them to delete the entry (and I won't find out if they actually did it until I renew next year).

    I was adamant about wanting the entry deleted otherwise I'd go through the same rigmarole in subsequent years when I fill in the form "no collisions in xx years" and the broker looks on the database to read otherwise.

    Aviva are just one insurance broker on my blacklist. My current broker was already on the blacklist but offered a markedly cheaper premium. They're going back on the blacklist because they cancelled my insurance over the issue, then took a while to finally agree to give me a new policy, discounting it by the admin charges that they tried to charge due to the cancellation.

    Robbing bastards, the ******* lot of them.

  8. Pointless, poetic, whimsical but nevertheless entertaining bluffoonery.

    Penned by the Iron Duke in front of his one-bar electric fire, clad in dingy singlet and ragged mustard corduroys. His cold supper of Tesco value beans -- straight from the tin --long behind him, he can only look forward to weaving an elaborate back story of wealth and status on Arrse.

    Sadly .... inevitably..... death will overtake him. His mummified body to be discovered 12 months later as Porridge Gun realises that his investment of £17.97 in The Iron Duke's Arrse Ponzi scheme was spent on cat food and cider.
    • Like Like x 2
  9. the number of years credited is not the only factor, and perhaps a little bit of a red herring. what about the starting premium, and the percentage no claims discount? it's not standard from company to company.

    one might give you 70% for 5 years, another might give you 65%. and a 70% discount on a £1000 starting premium, is not as good as a 'mere' 65% discount on an £800 starting premium.

    and consider company A, giving you 10 years NCD up to max of say 70%... and company B, giving you "only" 5 years up to a maximum of 70%. A is a worse deal, as it takes you longer to build up to full NCD.

    I don't really care how many years NCD they offer; it's all about the bottom line. if somebody offered you 20yrs NCD!!!! up to a 90% discount!!!! that would still be shit if they calculate it against a starting premium of, say, £3000.

    you could also consider Forces Financial. they don't even work off no claims discount, they do it off how many years you have been driving. they've been my cheapest premium (and therefore provider) more than once over the years, especially when I had 6pts racked up.
  10. Aviva are an insurance company: they retain risk. Insurance brokers place risk with insurance companies.

    The Motor book of the UK (MTPL and own damage 'CASCO' or 'Comprehensive') hasn't made a profit in a couple of years. Several of the smaller insurers have managed to glean a small profit. So why do insurers write motor then? Because they can still make shedloads of money from the way they have invested their reserves (and they need losses to make it all incredibly tax efficient), and they have been making even more obscene amounts of money from claim handling: from inflating the amount charged to the 'at fault' driver or their own customer to charging outrageous amounts of cash for 'courtesy' cars/replacement cars while their clients' cars are being repaired...

    ...there are loads of ways for the insurer to make money, and they are using most of them.

    So while you were wrong in the first line of the quote, you were bang on the money on the second. It's why I have 4 houses and no mortgage :)
  11. TheIronDuke

    TheIronDuke LE Book Reviewer

    See if you can spot your old Dad in this recent picture of a fraudulent insurance claim by a bicycling Welsh Hippy.

  12. in_the_cheapseats

    in_the_cheapseats LE Moderator

  13. Extreme right. Mam always said he was a swordsman....
  14. As evidenced if you take a car to a garage for a quote for bodywork repairs. The garage won't provide a quote until you answer the question "Is it covered by insurance?" But the insurance companies will cover their backsides by claiming that it's the garages that are ripping them off.

    In my 36 year driving history, I've had one car written off (parked up in private car park), one stolen (unrecovered), one own fault collision (value £250 but unrecoverable storage fees of over £1000), one non-fault collision (front car of 3 car shunt) and about a dozen break-ins. With the exception of the non-fault collision which required months of wrangling (thankfully the car remained drivable), the various insurance companies haven't paid a penny out. Exclusion clauses, consequence of excess or consequence of NCB loss have ensured that it's generally not worth claiming.

    The excess is the most annoying. Most policies that I've come across will only refund the excess if it can be recovered from the third party - yet it's the insurance company that decides whether or not to pursue a claim and it's not in their interest to do so.

    Unless the Government creates a nationalised insurance company to compete with the private companies (and keeps a grip on salaries and overheads to keep premiums low, so unlikely), any government interference in the workings of the insurance companies will probably just result in higher costs as the companies strive to recoup the costs associated with the legislation.
  15. I always got fucked over by insurance in the UK. Different story here. I'd been with the new insurers about 3 months and totally stuffed the front end sliding off the road, all my fault.

    All I had to do was tell them where the van had gone, their bloke went round for a look, and 10 days later I had it back. No NCB to lose, and they had no problem shelling out for a new window 8 months later after I backed into an overhanging tree (right in the middle of the van doors, fully loaded so I couldn't see it. They kept me on the following year, when someone drove into the side of me and wrecked the passenger and side cargo door. They'd got their part all sorted out from the other party before I even told them about it, I got a letter telling me to get the van down the garage and it was all in hand.

    **** the UK, Catalunya's great