Tesco Insurance Quote - what a joke!!

[bigsul]

Originally posted by Bobski

Hi all,

Picked up my IS 200 Sport today and i was insured with "Bell Direct" on the old car.....I cost an extra 150 on top of the original 300 (for the old car) with 8 months left to go before i do the usual Insurance hunt. Also got a discount for putting my partner on the insurance.

Congrats on getting your car and welcome.

bs :P

[Steven]

well.. for the first time ever i actually got a discount on my insurance through Direct Line... my insurance last year was 540 and is now 462

nothing has changed apart from about 40 grey hairs.. no claims the same etc.

well happy

[Rodders_UK]

I'm with Direct Line too - I ran a quote through their website and it came out lots cheaper than I'm currently paying - it'll be interesting to see what they quote me for renewal.

[Matthew_McNally]

Originally posted by Rodders_UK

I'm with Direct Line too - I ran a quote through their website and it came out lots cheaper than I'm currently paying - it'll be interesting to see what they quote me for renewal.

errr Rodders?

Tesco re-sell Direct Line policies.

In my tale of of woe - it was a Direct Line engineer who wanted to put £12k of work on my 7 week old IS.

Tesco required that the cost of repairs > 65% of value of car before calssed as a total loss.

This section of Direct Line's website states that the cost of any repairs must exceed the value of the car before it can be classed as a total loss

[thegooseman]

I am with DL too. Quote for me and her indoors (30 and 29 respectively) was 530 notes for an IS200 Sport (standard). By the way I have full NCD. Hearing these stories of 12K repairs instead of Write Off is seriously going to make me reconsider. Esure/Bell Direct/Admiral were all close to DL quote. Anyone experienced their claims/repair service?

[Rodders_UK]

Originally posted by Matthew_McNally

errr Rodders?

Tesco re-sell Direct Line policies.

Are you sure Matthew?? - when I asked them they said that they were an outfit called UK Insurance?? (maybe they're a broker though)

[Matthew_McNally]

Originally posted by Rodders_UKAre you sure Matthew?? - when I asked them they said that they were an outfit called UK Insurance?? (maybe they're a broker though)

Maybe they have changed?

It was a DL engineer who inspected my car - and my RAC engineer spoke to several senior DL management.

The web site has changed - the policy document is now a different looking .PDF file - previously it was all HTML - draw from that what you will.

POLICY DOCUMENT PAGE

You may also notice the stunning similarity between the two FAQ pages.

Tesco Claims FAQ Page

Direct Line Claims FAQ Page

Tesco uses a slightly smaller font!

Reading the Tesco policy document - it would appear that a vehicle is a total loss if the car is less than one year old and cost of repair exceeds 60% of the market value.

If it is greater than one year old, then it would appear that it is at their discretion whether they repair, re-instate or replace.

Read page 9 of the policy document for the appropriate section (I cannt copy and paste from the .pdf)

[thegooseman]

Just got a new quote from Esure. 382 quid with PNCD for me and the good lady. She has had one claim in the last 3 years too. Seems good to me. Anyone else insured with them?