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No, I said, I won’t, because the other quotes I got were for smaller sums 154.60 from Swiftcover and 156.67 from Axa, which I would be happy to pay up front. But the Post Office offered the lowest quote of all at 149.21. Hence my willingness to jump through hoops and pay more initially. Hence also my desire to pay monthly – because two twelfths of 347.44 followed by much lower payments sounded like a better bet than paying 347.44 upfront (though of course the whole payment thing didn’t quite work out like that in practice). Oh yes, she said, don’t worry about that. You will get the lower deal if that’s what we’ve quoted you.
No, the fraud rate in the stats isn’t the rate of people they’ve caught. It was determined several years ago by a sampling exercise, in which those selected in the sample were put under significant extra scrutiny. Both the current and previous Government haven’t done another such exercise since, though statistical methods indicate that the level is likely to have remained largely the same.
No, unlike other telematics providers, Coverbox will not impose any restrictions on your mileage. We will, however, ask you to provide us with an estimated annual mileage figure when you get a quote and this will have some bearing on the price of your initial policy, but it will not result in any form of penalty, extra tariff or invalidation in the event you exceed the estimate during the life of your policy.
No, with respect, you’re missing the point that the disagreement a LOT of commenters have is not that the car fleet will be reduced in size, but that it will be reduced anything REMOTELY like 99%. If you actually read comments like Paul’s and think about them, lots of good points get made. Empty cars driving themselves to their next destination, for example, will be miles driven that aren’t even driven today — and that will actually add to congestion.
No. Even if you try to quote for the same policy with different companies it is very unlikely that you’ll get identical auto insurance quotes. There will always be a fluctuation with some quotes offering lower rates and others being more expensive. This is explained by the fact that although insurers use the same data when calculating rates they apply it to different formulas, each company having a calculating method on its own. On top of that each company has different claim history which also affects the final quote. So you will always get different quotes from different companies. And that can be effectively used for comparison shopping.
No. Most of the top, highly reputable companies are very flexible with their premiums and are willing to reduce prices for new customers. The cheapest insurers should always be viewed with suspicion; some of them are not as ethical as they should be, and they may claw back more money from you by charging high prices for extras such as increases in your estimated mileage, changes of job or address, or reporting of accidents. You have to inform your insurers of alterations like these otherwise you could invalidate your policy, and charges made for what are, after all, very simple clerical jobs range from nothing at all to more than a hundred ounds in some cases we have seen.
No-fault Insurance – No-fault policies allow you to deal with your own insurance provider regardless of which party is at fault in an accident. You won’t have the hassle of pursuing the other driver’s insurer to receive compensation in the event they are at fault; instead, your insurance provider will pay out your benefits, getting you back on the road quicker and paying your medical bills when you need it most.