Very old thread I know, but some input is needed.
Keep in mind that when you talk to these companies, they have very little if any actual insurance expertise. They know what an excess is and that increasing it can bring your price down, etc... But, in reality, their training will have been orientated around using the system and a certain level of customer service (believe it or not).
They've probably had 2 weeks of training and then straight on the phones, nor do they get paid much. As a result, and quite frankly, they couldn't care less about how heated you get. It just adds to the 'I don't get paid enough to have to deal with this T**t' attitude. Additionally, they probably don't know why your price has gone up..computer says no! That's it. It'll be down to the technical underwriting team (who are never customer facing) to be able to explain to the person that you're talking to why the price has gone up. Unless you really push for an answer and know a thing or two about insurance, then you'll never find out.
In truth, there may have been a good reason for the increase, believe me, there are literally hundreds of aspects to an additional driver that an insurance company will look at. However, the admin fees are a joke and are getting worse and worse!
I used to be a personal lines insurance broker. A real one, not a call centre agent. I worked in a branch and needed specific qualifications to do my job and be able to underwrite policies. If you have any questions then PM me.
Just for the record, 1st Central are awful!
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