Tag: car insurance

Day 1256 a very productive but anxious dayā€¦. šŸ˜”šŸ«¶šŸ¼

Ok so another morning blog rant to record the actual state I am in just now.

Oh my god this car insurance thing is the gift that keeps on givingā€¦. šŸ˜”

Iā€™ve been awake since 3am.

Iā€™ve made a list of all the things I need to do to try and stop my head from buzzing. I have 3 precious days off and yet I donā€™t feel anywhere near as happy as I should, at that.

Number one priority is to get this car insurance debacle sorted once and for all.

I should have just given in and paid the double insurance 4 days ago but the injustice of it all is pushing me to every last ditch attempt. I do not want to give up my 20+ years no claims too easily. I want to try every angle.

Iā€™ve been on the phone to car insurance every lunchtime this week except Thursday because I forgot. Having Khaleesi in work was a good distraction. šŸ˜‚

I moved down to the spare room at 3am so I didnā€™t disturb Craig. I wrote my list, read a bit and seems I did get back to sleep at some point.

The red is awake time. I know thatā€™s nothing compared to some people but itā€™s so infuriating when I know I am causing all of my own stress through my own anxiety. I am making all of this happen.

I called Esure st 8.04am. I was on the phone for 12 minutesā€¦. Only to be told itā€™s a decision for the underwriters.

Call back at 10am.

I hoovered the whole house.

I called back at 10.04am.

3 min tired of security and waiting to be hung up on.

Esure hang up calls when they are too busy.

Do it online.

I canā€™t. It wonā€™t let me. It needs authorised by the underwriter.

I need to keep calling back until I can get past the 3 minute mark and get in a queue.

I burst into tears. (Yeah again)

Itā€™s so bloody infuriating.

So Iā€™m sat here having a good cry, writing this and I do feel a bit better.

There is some inner child inside me, having a total hissy fit that I have to go through all this. My teeth are grinding.

Today I will pay the extra premium if this last ditch attempt fails. I wonā€™t tell them that though, if I can ever get through.

So, dog walk time it is. I split them in Freya and Bhruic and leave Calaidh and Khaleesi to last.

Itā€™s dry and mild. We have a lovely walk. It does help so much to be out in nature.

I then came back and took Calaidh And Khaleesi up the hill. Calaidh can be off lead for most of it and Khaleesi gets a shorter walk.

Itā€™s not the easiest having two Calaidh/Khalā€™s. As Calaidh was off lead I always call her back and Khaleesi thinks Iā€™m calling her. She comes bounding towards me when Iā€™m wanting the other one. It makes me laugh.

Watching Calaidh in the distance.

Checking out the cowsā€¦. look at her wee right pawā€¦ thatā€™s the sore one. She has a hope, skip and a jump every now and then. Sheā€™s a wee soul.

So when I came back I dialled the insurance againā€¦.. SOMEONE ANSWERED STRAIGHT AFTER THE 3 MINUTE BLURB!

I was on the phone for 54 minutes. šŸ˜³

Esure will not accept the 23 years no claims either.

So they quoted on 3 years and I paid it.

I was obviously on hold for a lot of those 54 minutesā€¦. the hold music was ā€œWonderful Woldā€ and ā€œAmazing Graceā€ā€¦

šŸŽ¼šŸŽ¶šŸŽµšŸŽ¶šŸŽµšŸŽ¶šŸŽµ

ā€œI once was lost but now Iā€™m foundā€

ā€œā€¦ and I think to myself what a wonderful worldā€

šŸŽ¼šŸŽ¶šŸŽµšŸŽ¶šŸŽµšŸŽ¶šŸŽµ

Itā€™s enough to calm my mind and realise how far Iā€™ve come. The world didnā€™t stop turning because I only have 3 years no claims bonus on my car insurance.

Itā€™s was such a relief to finally stop fighting. I was never gonna win, I just had to try.

Craig called to say he was on his way home so I suggested Mocha Jakā€™s for lunch. I needed cheering up and when you donā€™t drink, thereā€™s always cake and coffee.

We both agreed we didnā€™t need the cakesā€¦. AFTER weā€™d eaten them. šŸ˜† The Biscoff Rocky Road was pretty special.

Once we got back home I spent the afternoon ironing.

I NEVER iron clothes.

Except when I have holidays to pack for. šŸ™†šŸ»ā€ā™€ļø

Itā€™s a bit early to be ironing for Turkey šŸ‡¹šŸ‡· but at least a fair bit of it is done. I just might be a creased mess when Iā€™m there.

Iā€™ve fed the dogs. Hung up washing and run the dishwasher.

I am shattered now and just sat down. I might never eat again after that Biscoff Rocky Road.

This made me chuckle šŸ¤­

Hope you all have a great weekend!

Stay safe everyone ā™„ļøā™„ļøā™„ļø

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

Ok so I lied. I said that once Iā€™d explored every avenue, trying to get my no claims bonus reinstatedā€¦.. if it didnā€™t work, it would be ok.

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

Iā€™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 canā€™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 doesnā€™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 policyā€¦. Itā€™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 itā€™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 didnā€™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. Iā€™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 Iā€™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.

Iā€™ll get over it.

Iā€™ll never do it again.

Sorry for the moan.

Itā€™s been a beautiful day today. Blue skies. I got sat out at lunchtime and it was lovely.

Iā€™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 šŸ«¶šŸ¼šŸ«¶šŸ¼šŸ«¶šŸ¼