Hastings Direct Insurance Discrimination.

[Oddsocks]

Just doing some only card insurance quotes for her as shes not computer savvy, and while i was at it thought id run it through hastings direct, BINGO, £300 cheaper than her current insurance with budget, ok this doesnt include brakedown cover but at £50.00 shes still getting it almost half price.

So, i speak with the nice lady at HD who says " oh, theres a discrepency in your application ", because my mother is devorced, she cannot be classed as a house wife, therefore must be unemployed, thus taking her insurance from £289 per month, up to £320, YUP £130 extra per year because shes devorced.

I explained to the lovely lady that their software on their website shouldnt allow you to pick these options if they couldnt cover them, and maybe their website requires further development as i didnt see why mummy should be charged £130 per year premium for being devorced.... I was kindly placed on hold then responded with... a polite way of saying tuff luck

So there, hastings direct will not get a penny from me or mother dearest in the future, and i will now kindly take her policy to diamond who after a phone call to confirm couldnt understand why HD cant cover her as a house wife/household duties because that is what she does.

Hastings Direct. You will be hearing from me again!:angry:

 

[bigslice]

320 a month insurance for what???

 

[Oddsocks]

edited.

 

[MizunoGreyhound]

320 a month insurance for what???

Pedant alert

£320 as opposed to £289 is a £31 increase, not £130

Sorry

 

[ADB]

That's a £31 difference rather than £130, but still seems strange.

Beat me to it Miz

 

[bigslice]

i meant is this car insurance?

 

[Oddsocks]

Just to confirm.

Car Insurance, Original quote was £289 per year, or £31.40 per month (£376.80 if paid monthly), but because shes devorced, increased to £41.40 a month, or £496.80 if paid monthly,

So, £120 a year more because shes devorced, im struggling to find the correct phrase without the risk of being band from the site for inappropriate use of words that shouldnt appear on open access forums.,

:sbox:

 

[bigslice]

ah makes sense now, thought it must have a right fancy motor and living in a rough area, 300 a month!!!!

have you tried putting in retired or self employed?

 

[StrangelyBrown]

No idea Oddsocks.

Technically they're correct. To be a housewife you'd need a husband, hence the 'wife' bit in it...

I assume that there is an assumption that a housewife will be in the house most of the day and not on the roads. Who knows, insurance companies are a mystery to me.

Maybe try retired as opposed to unemployed and see if it'll make a difference? Also, if your Mum doesn't drive that much reduce the milage from 12,000 to 6,000 a year.

 

[Oddsocks]

went one better and diamond just quoted £286 or £330 ish if paid by monthly installments, will never use them again,

 

[Oddsocks]

stangely brown. diamond/compare the meerkat allow you to be a housewife and devorced, but further drop down boxes have more flexible options, house wife, House husband, House Duties...

exactly the same option were on hastings direct, yet they think that you cant have household duties and be devorced... apparently being devorced means your house cleans itself... sweet.

 

[MizunoGreyhound]

Just to confirm.

Car Insurance, Original quote was £289 per year, or £31.40 per month (£376.80 if paid monthly), but because shes devorced, increased to £41.40 a month, or £496.80 if paid monthly,

So, £120 a year more because shes devorced, im struggling to find the correct phrase without the risk of being band from the site for inappropriate use of words that shouldnt appear on open access forums.,

:sbox:

The thieving, robbing, conniving, swindling, cross-eyed, knock-kneed, pot-bellied, pigeon-toed, double-crossing self abusers?

 

[bladeplayer]

Agree total bulldung OS i supose they are claiming the WIFE part cant be true if you are divorced ,, how the housewife or the divorced status makes someones driving habits change is beyond me tho.. surely your sex your age & your driving experience etc should be all that matters ..

 

[Oddsocks]

Agree total bulldung OS i supose they are claiming the WIFE part cant be true if you are divorced ,, how the housewife or the divorced status makes someones driving habits change is beyond me tho.. surely your sex your age & your driving experience etc should be all that matters ..

Exactly what i said to the telesales agent, if she is married she is £120 less of a liability than if she is devorced, forgetting the fact shes 50, has over 20 years NCB and a clean licence. but oh no the problem is she is devorced...

Im boiling, more to the fact mum now feels a bit sh*t about herself because of it too..

 

[Foxholer]

Almost certainly the expectation of increased driving, so greater risk.

There should be no reason why you Mum should feel bad about herself. In fact, from her driving record she should actually feel great about herself.

You were obviously stressed, from the rather confusing first post! Forum maks a nice stress-ball too!

Just demonstrates the sort of thing possible if you gather data! Part of why I'm not a fan of ID Cards - but that's a whole different topic!

 

[Oddsocks]

valid point, i said she should be happy with her driving record, but the fact thaty both policies covered for 6k miles, why should she be expected to drive more as a unemployed/devorced person that she should if she was married.

Just proves 90% of insurance data is ball-axe made solely from assumptions.

 

[USER1999]

Not HD, but we part own a bungalow in Kent, which we inherited earlier in the year. It is rented out. However, we have to insure it. The renewal is due. So because we were burgled in Watford, 14 months ago, we have to pay a higher premium to insure a property in Kent that we have never set foot in. Great.

 

[jammag]

I used to work for an insurance company and this is exactly the type of things they are really getting hot on. You wouldnt believe the amount of people who are unemployed claim to be a housewife/husband because they know it makes their insurance cheaper. When you go online and do it and fill it what you want there will be a clause in there for you to input the correct data and if for example the lady would have let it go through and your mother then claims and they say well shes not a housewife shes unemployed or independant means so we are not paying out. I think you have to realise the girl has done her job properly on the phone and may have saved you future hassle.

Everything you input will be studied by analysts and they will know exactly who claims more whether it makes sense or not. We used to have to ask some awkward questions when it came to things like this and it basically judged on in the end do you claim job seekers if you do you are unemployed not a housewife/husband. If you dont then you can say you live on independent means and support yourself as you are not working but you are also not looking for a job. You may have got the harsh line of it but these online forms where people put incorrect info in are part of why prices are constantly going up.

 

[Oddsocks]

Don't understand why they see it as a reason to load the policy when diamond/admiral did not!

 

[jammag]

Yeah a lot of people query it but think of it statistically as a business. If for example you are down as unemployed you charge on average of £300 a policy 10 people take this policy up you have £3000 in the account, 2 people claim out of those 10 to a total cost of £5000, so now you are £2000 down. Now house wife you charge on average £300 you again get 10 people take the policy but only 1 person claims at an amount for £2500, so you are £500 up on the account, so when it comes to next time round you know on average it needs to be at least £500 to make it even if things work out the same, unfortunately business is business and if 1 company lose money they are not going to risk losing more.

I know the company I worked for wouldnt insure BMW X5s because they had lost so much on them. Where as they could be the best car for someone else. Some things are general but other things can be just suited to 1 or 2 companies hence why there are so many out there and not 1.