Otherwise known as thieves, leeches or plain old (insert your own suitable four-letter expletive), these vile necessities have been the misery of drivers everywhere since they invented the car, unless you happen to be 103, living in Bognor Regis and driving your classic 1976 Morris Marina up to 37 miles a year, even then, they’ll hammer you for not being able to pay all in one go…still, it has to be better than paydayloans.com with their more than reasonable 2345% APR. No decimals in there, people.
Dear Insurance Companies,
I recently tried to get a quote from you. I was puzzled when you told me it cost so much, considering I have a clean license and full no claims, still, I know you’ll try to blame all of those uninsured drivers but I don’t appreciate having those costs passed on to me.
For instance, why, why, why, does the excess on my policy;
a) cost more than the policy itself
b) even exist in the first place?
I pay you all of that money for a year of ‘cover’ for you to ask for an amount larger than my policy for you to cough up any money?
Yours with the utmost distaste,
Daily Goat
Then we’re onto the subject of them actually paying anything out in the event of something going wrong…these companies have armies of Columbo’s on stand-by, glass eyes at the ready, to deploy in every case, trying to find some minor discrepancy that they can default the policy with, just to compound your misery.
Adverts, we have been there, but it’s just has to come back round, the smarmy, irritating little Churchill dog that you want to neuter and leave bleeding in a gutter for telling you, ohh yes, you can get it cheaper with him. Can I? Cheaper than Sergeant Smith’s M1 Abrams tank touring Afghanistan’s Red Zone maybe, yes.
The stupid little red telephone and mouse from Direct Line, promising that you’ll do better to avoid the middle man and go with them, well, I tried that, I prefer the middle man, at least he gives me some choice of who I want to tear my eyes out with their spindly, money-grabbing fingers instead of flashing up on the screen like a giant ‘fuck you’.
One other royal frustration, which affects my younger friends but it boils me up regardless. How do you ever justify a premium that costs more than the 1.0 Corsa they just bought for their first car? I know you’re greedy but look at it in context, its like buying home and contents insurance for a premium of £125,000 per year.
And possibly the worst thing of all, most of us will never have to use the dubious services of the insurance companies we pay our hard-earned cash to, meaning of course, that its money they’ve taken from you for doing nothing. I’m sure the Mafia provide a similar service for shopkeepers and small businesses…
I wouldn’t like to work out how much money of mine they’ve kept over the years. The insurance companies that is, not the Mafia.
I was supposed to writing about all things supermarket for the next installment but this one just couldn’t wait…you’d never guess its renewal time.
universitychallenger
