Eagle Star Insurance used to insure both my car and my partner's car, right up until last month.
That's when they issued a renewal notice as it was due to run out, and whacked it up by 35% over the previous year - a huge £246!!
And all because I'd made my third claim within a five year period.
Ah well, I hear you say, you're a crap driver and therefore must pay the penalty. If only that were the case. The incidents were;
Aug 1999 - I ran into the back of a truck on a roundabout (I didn't expect him to stop to let a car cross in front of him, but that was clearly my fault.)
Nov 2000 - whilst pursuing a criminal, a marked police patrol car backed into the side of the car whilst I was stationary outside my house, with my lights on, and after I'd sounded the horn to let him know where I was. Pretty much NOT my fault!
Jan 2001 - a greedy fox with a mouthful of pheasant ran out in front of me on a long, straight country road at midnight. Oops! Two dead animals for the price of one smashed bumper.
So, even taking into consideration that only 1 out of 3 of these was really anything to do with my bad driving, I was penalised. Apparently that's the rule - 3 incidents in 5 years and your premium leaps upwards.
It's An Outrage!!
There seems to be no flexibility or adaptability in the way insurance is calculated by Eagle Star.
Still, I did what every consumer should, and took my business to a competitor.
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