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Studio: https://www.voltperoctave.com
Music: https://www.euclideancircuits.com
Me: https://www.jamesrichmond.com
Football is rubbish.
"That included tow-bars, new stereos and anything that wasn't a like for like swap with the car"
Getting silly isn't it. Someone really needs to look into these insurance companies tbh. Even if you do get them to pay out, they'll only give you trade price for the car. How are you expected to by a replacement at trade price.
Studio: https://www.voltperoctave.com
Music: https://www.euclideancircuits.com
Me: https://www.jamesrichmond.com
Football is rubbish.
Blimey, they come in the higher bracket then. How do all these companies quote "Save x amount on your car insurance" ?
Legalised robbery. Spose the government do very nicely out of it, so they'll do nothing to stop it.
But what are the odds of you having an accident after your first year, do they quote those figures. There's some right nutters about, I've seen them in the supermarket car park.
My mods were to replace the hand brake tensioner with one that can't stretch and snap, drilled holes where the water builds up just under the ECU (yeah, great design) and last week I fitted an inline thermostat on the top hose so I can have some kind of warmth this winter. (Nice one BMW, design a car that requires half a day to get to a faulty thermostat).
Basically, and this was this week, we received our posted quote from Admiral for our 2 cars (a Toyota 2.L Avensis estate and Ford Fiesta) and it was £603. When we looked up Admiral's prices online and also with other companies, they were much, much lower. If you take the reference quote from these online places and ring Admiral, they'll match it and possibly other companies will do too. Ours came out at £341 in the end for the 2 cars and good service too from the call centre in Halifax, Nova Scotia.
BTW, if you do end up going with a new insurer, make sure it's not just the price that's good and ensure you're getting all the things you had before or want like courtesy car, protected no claims bonus, no silly excess fees etc
All this has made me think twice about all sorts of other bills now and I if you use the comparison sites and that Martin Lewis' money advice, you can save a lot!
All the best