I whiled away half an hour or so this evening getting an online quote from the company that offered the best overall deal yesterday, taking into account the extras given such as breakdown cover, windscreen replacement etc. It had said that there was a compulsory £100 excess and a voluntary £250 excess, but gave no info on how to remove the optional excess, so I thought that going to its own website rather than a price comparison one would sort that out.
Big mistake. It was the most absurdly overcomplicated form I have ever completed. It wanted to know the date on which I passed my driving test. And when each of the other named drivers did. This is not information given on your driving licence as far as I can see and when, as in the Sage's case, it's more than half a century ago, however does it matter? It offered me fully comprehensive insurance for all drivers or for over 25s or for over 30s, but then wanted me to name and go through the details of any person who could drive the car. it wanted notification of medical conditions - fair enough if it's anything that affects driving but there was a massive list and in my case, for example, the early stages of arthritis is hardly relevant, except presumably to bump up the premium (I put 'none' for each of us). Every other form, when asking for the occupation of named drivers, offers a few general types or else lets you type in the first few letters and then suggests options. This one, you had to scroll down hundreds. It wanted to know whether not only I, but all named drivers, were home owners or not, even though I'd put them down as occasional, casual users of the car. The Sage got a speeding ticket a couple of years ago. It wanted to know the date, the points and the fine, which is fair enough, but then it asked the date of the offence. What? How is one to remember that?
It looked to me suspiciously as if it would check out every little detail and if I'd put in that I passed my driving test on 14th April 1971 instead of 17th May (whatever, I don't remember the month, though the year is correct) they could refuse to pay out on a claim.
Anyway, I persevered out of stubbornness in the end, and finally got my quote. It was for £469.31. Now, this is the same company that, through a broker, offered £241.91 yesterday. Furthermore, it didn't tell me what I was getting for that. It didn't ask if I wanted courtesy car, breakdown cover and the like, or tell me what excess I'd be paying. My telephone number was a required field. I'm afraid that I'll tell the unfortunate call centre worker what I think of the website and the quote.