Golf Insurance Rip Off

GB72

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Surprisingly I am not complaining about the insurance itself but the payment methods.

Did some research today as decided it really is safer to have some extra cover in place. Problem is, every company I looked at wanted either direct debit where the policy is renewed every year until I cancel or if I want to pay in full then they will automatically take a year's payment every year unless I call them to cancel. The excuse for this is to help me in case I 'forget' to renew. The real reason would appear to me to fleece extra payments out of those who forget to call to cancel at the end of the year. Not one would let me simply pay in full for one year with no further payments taken unless I say so.

I found this a disgrace and worth pointing out.

PS Can anyone recommend a decent, low cost insurer.
 

level5s

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is car insurance not like this in the main? they tend to send out your renewal quote and cert stating they will take payments if you dont cancel. the golf insurance companys must send a new cert out triggering you to reasses costs
 

GB72

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That does not appear to be the case. The options were only direct debit or use a card and have the payment taken automatically at the end of the policy.

My car and home insurance send me a quote at the end of the year and I call to renew and confirm details are the same.
 

RGuk

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I have this with the RAC. It bugs me to see £120 leave my account same time every year. I could cancel it, but if it bothered me that much I'd do it.
It is of course, in their interests much more than their customers. I don't let them do it with car insurance because I try for the best price every year. If they won't take a "one-off" then I tell them to "s*d off".
I went away for a few days and forgot to phone my car insurer (this car was at home). I phoned them up 9.00 am the next day to renew and they wouldn't let me. They said I would have to be treated as a "new customer". I scoffed a bit, then asked them to quote for me. £44 more because of this. The girl said there was nothing she could do. I said they could match the renewal price or forget it.......I got my way about 10 minutes later.
If a company can't bend to fair and honest requests, best not to bother. If a golf insurer won't take a one off, move on. If you end up getting nowhere, pay and then remember to go into your bank and ask to leave "written instructions" to never pay a direct debit to x/y/z. We did this with a direct debit that Lloyd's described as "not being on the system at present, it only comes up once a year, so we can't stop it" . We left a written instruction to NEVER pay this company without new permission that overrides the current wishes. Guess what.....this company tries every year and Lloyd's reject it every time. They write to ask demanding cash or threatening legal action, we just post a letter (the same one every year) challenging them to set a court date. Sharp practice....it's mostly easy to get round, because it's mostly indefensible
 

Driverman

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Only just taken some out myself for the first time. Did mine with American Golf, paying under £30 for the year. Bargain and if I hit somebody it will be priceless.
 

HomerJSimpson

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The AG one is ok but if you need to claim for loss of equipment you have to either have the original receipts or go to an AG store and get them to sing a letter confirming the value of your kit.

Fortunately I am on good terms with the manager of my AG store so my letter contains top of the range everything so if my kit goes missing I shouldn't have a problem
 

Parmo

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This is why companies wanted everyone on DD a few years ago because people are more likley not to cancel as many forget about the renew date and once it carries over to a new year its the start of a new contract.
 

Parmo

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I think its best for public liability only side, I don't have all the receipts for my kit so no doubt wont be covered but I like the idea of being covered just in case I hit someone and they sued, and for a couple of squid a month you cant complain.
 
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