I have 2 car insurance policies with e-sure – in the near future I may have none!
I have just received a renewal invitation for one of them and this is what is says:
Thank you for choosing esure to take care of your car insurance needs for the past year. It’s now time to renew your policy and I am delighted to provide your new Schedule and Certificate of Motor Insurance
Your premium for the next 12 months is £295.52 including any optional extras and excluding interest.
Blah, blah, blah small print stuff….
Your premium last year was £216.33, including optional extras and excluding interest. This takes into account any
changes you may have made since you took out your policy and shows what the full year’s premium would have
been had these changes been in place from your cover start date.
Now I do have to point out that during this past year I was involved in a shunt in that the person behind me was pushed into me by the person behind her!! I contacted esure but was then contacted by the person at fault’s insurers who handled the whole thing and told me to tell esure this and that the previous call was just “for information only” – which I did.
So when the nice man with the Scottish accent takes my call and I tell him my premium has gone up by 40% he has a look at my policy and then says oh that’s partially to do with the increase in insurance tax from 6% to 12% (OK that’s 6% – so what about the other 34%) then he says I can see there was a claim on the account – er, NO THERE WASN’T I correct him – oh yes he says so then he says the reason si that there was a massive increase in the number of personal injury lawyers making personal injury claims last year – he says you probably read about in the press!!
At this point I ask if that rise was in excess of 30% and he says well no, and I go on to point out that these sort of claims are not a new thing and have been going on for ages and the industry has been saying that premiums have had to rise because of them for years….
So either esure ARE penalising me for informing that I was involved in a NO FAULT accident or they are using the opportunity to blame premium increases by huge amounts because of a situation they were already aware of.
Personally I think they’re profiteering. However in a couple of weeks I should be receiving the renewal invitation for my other car – let’s see if that premium has shot up – I wonder!!