I received a letter the other day.
I get quite a lot of post here. You know the kind of stuff – People trying to get me to sign up with their tacky broadband and begging letters from relatives. It usually all goes in the bin.
This one was from my insurance company.
I was half expecting it, as I know my car insurance is due for renewal. I opened it. I read it. I checked the address on the front. I checked the car details. They were all correct, but the fucking premium wasn’t! €722! Why the hell should I pay over seven hundred yoyos?
I have car insurance for one reason and one reason only. It is not to protect you lot against me, but to protect me against you lot. Occasionally, I have accidents where the other person isn’t insured, so I need protection. For example, there was the case of that old woman last month. I was driving home after a nice skin full down in the pub, and this bitch had the audacity to dent the front of my car. I don’t know what the hell she was doing, walking on that footpath in the dark but I successfully sued her for damages to my front light and wing. Of course she wasn’t insured, so I had to claim off mine.
Therefore, I have full comprehensive insurance and quite a few nice little additions. As the actress said to the bishop – you can’t have too much protection.
I rang the company yesterday.
I got talking to a very nice woman and she confirmed that the figure they quoted was correct. I told her it couldn’t be. I then told her I had received quotes from other companies for as low as €300. I hadn’t, but how was she to know that?
She hummed and hawed a bit and there was a clatter of computer keys.
She muttered about my being with the company since 1972 and having a 37 year no claims bonus, and I could hear she was getting very worried.
‘Can I phone you back?’ she asked me.
I told her she could and hung up.
Half an hour later, the phone rang, and it was my friend back again.
The upshot is that I now have fully comprehensive insurance with full no claims protection, windscreen protection, roadside assistance and a couple of other gizmos for the grand price of €450.
I did a scout around the Interweb after, just to see was on offer, and in fact, I did quite well. I have actually got the cheapest premium for the deal I wanted.
Who says it doesn’t pay to haggle?