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About Stuart21UK

  • Birthday 08/05/1970

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    981 Boxster S, Cayenne Diesel

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    nr Leighton Buzzard
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  1. Can't remember when it's effective but changed regulations are usually adopted sooner by those that they affect, they'll be a cut off date I've had one a buildings insurance policy renewal yesterday, went down a few pence per month
  2. Had both my 987 and 981 insured through Porsche aka Aviva aka Marsh until this year as they split policy book between another part of Marsh and the one mentioned (Carbon) I think....anyway Marsh Commercial (or whatever part mine went to) quoted £600 pa with silly excesses and I could get cover at £300 via Churchill with lower excesses...
  3. When it comes to car insurance I'm a consumer like everyone else (not a product I arrange myself)...whether many people are aware or not, the following will now apply: FCA CONFIRMS MEASURES TO PROTECT CUSTOMERS FROM THE LOYALTY PENALTY IN HOME AND MOTOR INSURANCE MARKETS The FCA has implemented a package of remedies to improve competition and protect home and motor insurance customers from loyalty penalties. This includes new rules, so that renewal quotes for home and motor insurance consumers are no more expensive than they would be for new customers. These measures address the issues identified in the FCA’s September 2020 market study, which found that millions of home and motor insurance customers lose out if they renew repeatedly with their current providers. In 2018, 6 million loyal policy holders would have saved £1.2 billion had they paid the average price for their actual risk. Many firms increase prices for existing customers each year at renewal – this is known as “price walking”. This means that consumers have to shop around and switch every year to avoid paying higher prices for being loyal. It also distorts the way the market works for everyone. Many firms offer below-cost prices to attract new customers. They also use sophisticated processes to target the best deals at customers who they think will not switch in the future and will therefore pay more. The FCA’s new rules will stop firms price walking. Insurers will be required to offer renewing customers a price that is no higher than they would pay as a new customer. In addition to the new rules on pricing for home and motor insurance, the FCA is also bringing in new rules to: • Give most consumers easier methods of cancelling the automatic renewal of their policy, • Require insurance firms to do more to consider how they offer fair value to their customers, and • Require home and motor insurance firms to report data to the FCA so that it can supervise the market more effectively A very good thing I think but where does that leave comparison sites? Will they cease to show savings as large as to date going forward? discuss!
  4. @A-Plan Insurance My renewal is due in the next week, just tried to phone you but gave up after 5 mins holding. Can someone contact me? DM me and I'll provide a contact number Thanks EDIT - don't worry taken via Churchill, needed to get it done today due to other committments
  5. yes mine is fitted 24/7 365 days a year, never comes out
  6. I used to get a weird reflection with the mesh, an odd type of deflection of the clouds in it every now and again My clear one is fine, the buffeting isn't any worse as far as I remember (but then I've had a clear one for 5yrs probably), same with reflections...nothing that bothers me
  7. Ok...guess you used the old mesh frame....I thought you'd just cut out a bit of plastic and inserted it straight into the mount...never mind
  8. thanks, was thinking more on its own though so we could see finish etc
  9. have you got the legal option on the household insurance? usually whilst via the main insurer the cover is provided by a separate underwriter, maybe they can 'independently' advise? (or maybe not due to the link) I'd expect you not to be in a bettered position but the way you describe it doesn't really seem reasonable....complain as necessary (they will have a formal procedure in place with set timescales generally max 8wks, but to try to resolve in 4wks) then https://www.financial-ombudsman.org.uk/ A complaint to the FOS will cost them a handling fee so whilst that's nowhere near the £7500 difference it might provide some incentive to work with you to a resolution Good Luck
  10. Full of stollen, turkey curry, beer and now onto the rum

    (back atya @rowbos)

  11. fund managers would get paid on performance wouldn't they?
  12. The industry is so much more heavily regulated now, most of the cowboys are gone...and obviously the favour of endowment mortgages gone near 20 years ago ...still, some interesting financial products still exist...good old 'help for the masses'/first time buyer Help to Buy shared equity being one of them...have the powers that be thought about how many people will get to the end of their mortgage term, be on the verge of retirement and not realsitically be able to buy out of the 20% equity loan for instance? Or when they do look to buy out of it, the interest rates are sufficiently higher that they cant, or the value of the property hasnt gone up enough to support the ability to do so anyway (had one of those recently and they are having to put off a house move until that improves in a few years hopefully). We had HSBC doing 3 year interest mortgages only a few years ago, with the idea they were transferred onto full capital and interest at the 3 year point (but no guarantee what interest rates might be and whther it was realistic to be able to do so). Meno I'm not pension authorised (just mortgage and protection) Interesting business proposal though....do you think that could work with Tesco's (or any other trade or business for that matter)...I buy my food from them and if they make enough profit in the year I get a cashback? I know what you are getting at but no adviser can guarantee the future performance of anything, the model you suggest would make no sense to anyone long term, it would just fail.....that said I guess most people who have an IFA would only keep going back to them if their advice had proved sound, would they not anyway (i.e. current system works in a different way anyway?) apologies for the ramble....
  13. the rest of us missed it, pity we could have spammed them back..
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