Switching cars mid policy (Chill)

AntiClimax

Anyone else been charged €35 to change car mid policy? Apart from the fact it's unfair, I didn't see anything about this in their policy terms. Having reluctantly paid for this, I sent an email to chill asking them to point out exactly where in the terms it state this. No reply, even though they'd been replying by emails in the days prior.

They also failed to send me a confirmation email of my new details, after promising to do so on the phone. This could make it more difficult if I was stopped on the road. No reply to my emails about this either. I'm also entitled to a very small refund off the old policy, as I'll have moved to a newer car. I wouldn't be surprised if I'd to remind them about posting that check too.

EDIT: I since managed to find a mention of "up to €50" for policy amendment in the terms. I'd been looking for "€35". Either way, they were unhelpful about this in that they didn't reply.

how.gareth

AntiClimax wrote: »

Anyone else been charged €35 to change car mid policy? Apart from the fact it's unfair, I didn't see anything about this in their policy terms, having looked of it. Having reluctantly paid for it, I sent an email to chill asking them to point out exactly where in the terms it state this. No reply, even though they'd been replying by emails in the days prior to this.

I'm also entitled to a very small refund off the old policy, as I'll have moved to a newer car. I wouldn't be surprised if I'd to remind them about posting that check too.

123.ie are the same, money for oul rope

AntiClimax

how.gareth wrote: »

123.ie are the same, money for oul rope

I would love to know the details of how insurance companies (and brokers) work behind the scenes, so that they can get most money when they've the upper hand. All we know (on the other end of the phone), is that it's hardly a coincidence that for a certain set of criterion, they can abuse it.

One doesn't know, whether they're some sort of algorithm designed to rip them off, OR whether the call rep gets more money for the more people they enable the company to rip off. I'd be quick to read a book about such issues.

LeakingLava

I was given the exact same quote for a much cheaper car when I asked for quote. But was being charged 95euro, which the guy on the phone couldn't really explain what for. Closest that I could understand was that it was for administrative costs.

CiniO

how.gareth wrote: »

123.ie are the same, money for oul rope

My wife has a policy with them.
We added her sister as named driver for 2 weeks when she visited in the summer - cost 0.
We changed vehicle to different one couple month ago - cost 0.

AntiClimax

LeakingLava wrote: »

I was given the exact same quote for a much cheaper car when I asked for quote. But was being charged 95euro, which the guy on the phone couldn't really explain what for. Closest that I could understand was that it was for administrative costs.

Youu mean u were being charged 95 extra (on top of the quote)?

LeakingLava

AntiClimax wrote:

Youu mean u were being charged 95 extra (on top of the quote)?

Yes, but was told explicitly that the 'quote stays the same' but was asked to pay 95 'for changing vehicles'.

LeakingLava

This is first ireland by the way, not Chill. Apologies.

peteb2

It's called "terms of business". You read and accepted them when you took out cover. Brokers charge admin fees on top of the cost of the change.