 | Home > Off Topic > Is There Such A Thing As Loyalty To An Insurance Company? |
 
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| Clemmo Member Since: 03 Aug 2012 Location: Mile Oak Posts: 1217   
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There is no loyalty either way.
Its purely a business transaction. Phones, Insurance, Utilities, Main dealers, Supermarkets etc... They just want to maximise their profits from you the customer Now. Loyalty may exist whereby you can build a genuine relationship with a smaller, maybe local business. Eg a local Butcher, a local Car Repairer. You scratch mine and Ill scratch yours.... Clemmo  Make today a little better than yesterday but not so good as tomorrow....
Defender 90 HT............Pangea Green BMW X3 Msport............Carbon Black Mini Electric................Grey. (wow!) MGB Roadster……..........Vermillion 17k miles Honda Benly CD200....Maroon --------McLouis Fusio........7.4m of fun |
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2nd Feb 2017 10:50am |
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| JJ Member Since: 18 May 2009 Location: Winchester Posts: 932  
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Loyalty is a two way deal. Ask if they can match the quote, send them the written quote so they can compare it and see if it is like for like. It may be slightly different and if they adjust theirs it might match or beat the Flux quote.
Annetts & Orchard are a broker not an insurance company so give them the info they need to be able to shop around on your behalf and you have been loyal  HR064 Hampshire and Berkshire 4x4 Response |
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2nd Feb 2017 11:05am |
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| RustyM Member Since: 28 Oct 2013 Location: Africa/The Med Posts: 222 
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Not sure but I am happy as mine goes down a little each year, I use the company below who have great customer service
https://www.stuartcollins.com/ Note; I am sure there are cheaper out there  I also have nothing to do with the company, just a personal recommendation. 90 & Wolf
110 XS Previously owned SI SII SIIa SIII & Light weight (air portable) |
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2nd Feb 2017 11:24am |
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| chrispy Member Since: 13 Mar 2015 Location: Gwent Posts: 347  
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I rang A&O and spoke to Dan (a really nice guy i've dealt with before) and he said I had to go with Flux as they can't match their quote. If I was flush at the moment it wouldn't have been an issue as I love the personal touch from A&O but this year I have to switch to Flux purely for the cash saving. It nsucks that the company who's insuring my car appear to give Flux better quotes than the smaller brokers.
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2nd Feb 2017 12:11pm |
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| shaggydog Member Since: 12 Aug 2012 Location: Kent Posts: 3347 
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I hold no loyalty to any companies.
Weather I continue using them is based purely on value for money, how they treat me, availability. Having very recently had to deal with a huge insurance company who were being the usual bag of snakes I can confidently say that they are all one and equally as bad as each other and I hold no loyalty to any of them. Running Restoration Thread http://www.defender2.net/forum/post323197.html#323197 Self confessed mileage hunter  |
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2nd Feb 2017 1:04pm |
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| gilarion Member Since: 05 Dec 2013 Location: Wales Posts: 5109 
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Loyalty and friendliness exists from insurance companies in the very short time they are giving a quote and at the time when you give them the long numbers off your card, as soon as that transaction is complete loyalty and friendliness finishes. For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..
http://www.youtube.com/user/conwy1 |
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2nd Feb 2017 1:32pm |
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| seriesonenut Member Since: 19 Nov 2014 Location: Essex Posts: 1211
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Yes agree no loyalty. My insurance came through for our FL2 which was quite a lot more than last year. A quick go compare search came up with the same company (on line is different apparently) for 120 less.
To cut a long story short after telling them I waned to cancel they seemed to switch hats and completed my on line quote whist I was on the phone and I saved the 120 I think it is because its all to easy to let the Direct Debit/ Card Details run and they just ramp up the price because most of us are too trusting! |
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2nd Feb 2017 4:54pm |
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| custom90 Member Since: 21 Jan 2010 Location: South West, England. Posts: 20325
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I think you'll find they'll shortly be taken to task.
There is a gov petition up regarding young drivers for a start with over 150k signatures on it. They generally are weasels and as suggested, take the cash piece of paper and that's pretty much it. Nothing in return. ⭐️⭐️God Bless the USA 🇬🇧🇺🇸 ⭐️⭐️ |
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2nd Feb 2017 5:15pm |
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| keith Member Since: 15 Aug 2012 Location: Edinburgh Posts: 2212 
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Custom90
Hiya pal . Never mind insurance layalty You deserve some kind of badge for having 14000 post on this form Keith |
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2nd Feb 2017 6:19pm |
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| Projectblue Member Since: 22 Nov 2011 Location: Devon Posts: 1096
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There are two points in the above.
First, the OP says someone went out of their way to give exceptional service so they could drive home. The reason they did that is to create that brand/customer loyalty. However, you don't need to pay over the odds. I'd pay 10% over for that level of customer service, but not 30%. Second, someone says 'I'm not loyal to any company, it's about price - how they treat me - and something else'. Isn't how they treat you the customer loyalty bit? They treat you well, you go back. You mean you'd bin someone if you could get the exact same thing for a quid cheaper?
I shop in a well known furniture emporium up North called Arighi Bianchi. It's not cheap, but it is quality. My mother went there to buy a chair. She is a pensioner. She's looking at something in particular, not expensive in the great scheme - couple of hundred quid. Sales person talks to her and the one she wants to see isn't in the store. Salesman calls someone and the obligatory lad in a brown warehouse coat arrives. "Take Projectblue's mother (name withheld - he doesn't know me, or that I am PB) to the warehouse - use my car. Help her pick the chair she wants and bring her back here" "Yes Mr Arighi" says the lad. Takes my mother in owners Range Rover to the warehouse. She buys the chair and then they arrange delivery. Mother went shopping and went home. Bang on time, Mr Arighi arrives in his RR and brings the chair in. I could shop in many places, but I always go there, 250 miles away, first. And six or seven big purchases in (bed, dining table and chairs, sofa, wardrobe, blah blah) and I'm yet to be less than thoroughly impressed. Anyway, back to Insurance. It's a tough business. On the face of it, an expense we are forced to have but rarely (if you are lucky) use. But you find out what you pay for when you claim. Take NFU - not the cheapest but unbelievably brilliant when you make a claim (buildings not cars this was). New project and it's green: www.projectoverland.info Last edited by Projectblue on 2nd Feb 2017 11:29pm. Edited 1 time in total |
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2nd Feb 2017 7:50pm |
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| Chopperone Member Since: 13 Nov 2016 Location: Derbyshire Posts: 396
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It's many years since I worked for a big insurer but here's my spin on it.
Loyalty really used to work especially with a broker - put your cards on the table. Next really compare the cover & consider a higher excess or additional security to your vehicle. I suspect & I have no proof but if you have a claim with AF you could find that it would be a very steep learning curve with regards to any claim. Next you need to look at who actually underwrites your policy & then google them...... You could consider instalments until your cash flow improves. Clearly IF you are not going to have a claim this time around; ignore all of the above until next renewal Guy May your life be like toilet paper ; long & useful. |
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2nd Feb 2017 9:29pm |
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| JWL Member Since: 26 Oct 2011 Location: Hereford Posts: 3443 
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I do have some loyalty to the NFU whom I insure my Defender with. In the past 8 years I've been happy with the service I have received plus there's the fact that the cost has reduced, allbeit by a small amount every year thanks mainly to a loyalty bonus scheme they run.
Every so often I do have a look around on the comparison sites and yes there are cheaper policies listed on them but not allways with the extras that mine has as standard, the towing of trailers and drive another insured vehicle with the owners permission for example. There are other extras which if wanting like for like cover starts lifting the cost from other insurers. Needless to say if this years quote is vastly different then I won't be shopping around, there's loyalty and there's being taken for a ride. |
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2nd Feb 2017 11:05pm |
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| custom90 Member Since: 21 Jan 2010 Location: South West, England. Posts: 20325
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What are you trying to imply exactly?  ⭐️⭐️God Bless the USA 🇬🇧🇺🇸 ⭐️⭐️ |
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2nd Feb 2017 11:36pm |
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| Procta Member Since: 03 Dec 2016 Location: Sunderland Posts: 5161
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Prices always seems to either stay put or go up. This year i am looking at moving the insurance on the Defender now, due to it been a 4x4. I can see brentacre winding up the price even though i have been with them for years now. I might even switch the 306 over too. They say the give you a discount, on having two cars with them, but i cannot really tell. The two cars were only 10 difference that was it. Defender TD5 90 ---/--- Peugeot 306 HDI hatch back
Success is 90% Inspiration and 4 minutes Preparation # you can make it! |
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3rd Feb 2017 6:03am |
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