Day 1253 how to loose 23 years no claims in one easy lesson

Ok so I lied. I said that once I’d explored every avenue, trying to get my no claims bonus reinstated….. if it didn’t work, it would be ok.

It is not as ok as I thought it would be. (great English, I know!)

I’ve cried through sheer rage and despair at the ridiculousness of the whole situation.

I guess, in true ME fashion, I have to use this as a warning to other people.

My life is going really well just now and I can’t let the sheer frustration of this, bring me down.

So be very careful if you buy a car while you still have another car. I realise that this doesn’t happen very often and it only happened to me because I had a redundancy payout to play with.

When the insurance company offers to mirror your no claims on your existing policy…. It’s very lovely of them as it gives you a bit of a discount. You get very excited and grateful as you are unable to prove your no claims as it’s still in use on the first car policy.

You accept their cheaper quote and move on.

When you sell that first car you MUST send the mirroring insurance company your no claims from the cancelled policy.

When I sold my last Beetle, I had no idea and didn’t send them any proof of no claims. They never asked for it as they say, they assumed I still owned the first Beetle.

They will not add the mirrored no claims bonus to the 3 years that I gained with them.

After driving carefully for 26 years I have 3 years no claims to show for it. I’ve paid for protected no claims all of my life.

For nothing.

It would cost them NOTHING to add the years together on one letter. Hey I’d even pay them and admin fee to do it.

Computer says no.

I put in an official complaint which was answered in 15 minutes (it takes longer to get through to them on the phone).

Manager escalated to Manager and escalated to Underwriter.

Computer says no.

Gone.

My Bertie Beetle insurance will double.

I should have read the small print they told me.

All my fault.

So I missed out on a lovely evening swim with Ellison tonight as I argued (very politely I should say) with the insurance company.

I did, however, make it to Kinisi-flow in the village hall. It was lovely and I forgot my irritation for an hour or so.

I’ll get over it.

I’ll never do it again.

Sorry for the moan.

It’s been a beautiful day today. Blue skies. I got sat out at lunchtime and it was lovely.

I’ve wasted too much time on insurance.

One last thing is to find a new policy with my 3 years no claims and be done with it.

Here are the girls in the garden this evening.

Stay safe everyone 🫶🏼🫶🏼🫶🏼