Nope... I prefer to call it the Asshole Tax = insurance. Anyone with even vaguely nice stuff that you can't get into a safety deposit box while you haven't got your full attention on it has to pay this, ie. cars, houses, stuff inside your house, stuff in your garage, etc. It's an unfortunate fact of life that has to be paid in full, it's just amazing that there isn't an asshole clause in the policies to cover this type of thing without it pushing up your premium.
The good news is that unlike my last insurers (Elephant, who I moved away from because my experience of claiming with them was so dire) the RAC are off to a damn fine start. They answered their claims line within a couple of rings after a refreshingly short push-2-for-claims-etc. experience, and a nice woman called Kath sorted me out with an appointment to book my car into a place that will apparently take it of my hands, give me a courtesy car there and then, and sort it all out for me. All this at ten o'clock on a Sunday night, without filling in a form. If they keep this level of service up, they'll have a customer for life...
The other nice news is that my excess is only £120, and I've got full protected no-claims -- and bearing in mind I'm averaging one claim a decade up to this point, my chances of keeping it protected are pretty good...
It's really depressing that you only find out the quality of your insurance company when you have to make a claim isn't it? Still, glad the RAC are looking after you :)
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branchandroot
(no subject)
Date: 2007-11-11 10:00 pm (UTC)Rant Over :)
(no subject)
Date: 2007-11-11 10:07 pm (UTC)The other nice news is that my excess is only £120, and I've got full protected no-claims -- and bearing in mind I'm averaging one claim a decade up to this point, my chances of keeping it protected are pretty good...
(no subject)
Date: 2007-11-12 05:06 am (UTC)