Cars 2

So the Insurance Assessor came to see our battered Ford Ka and shook his head:
"They'll write it off. They always do."
He filled in his paperwork and vanished.
That was three weeks ago, we've heard nowt since.
In the meantime we've been supplied with a brand new Peugeot 207 (dreadful car) which costs somebody £50 a day to hire.
So let's see...that's £50 a day...we haven't heard anything back from the insurers yet.
No offer for the wrecked Ka, so it'll be at least another week.....28 days at £50 a day...that's £1200.
But I think it'll take longer than that.
Usually they make more than one offer and you negotiate...so let's say it might take another month...£2400
The vehicle is worth-at best £500
Do  you ever wonder why our insurance premiums are so high....?
I rang Swintons, the brokers today.
 I couldn't see the point in keeping the Ka insured as it wasn't being used. So let's cancel the insurance and save some money.
I rang them to do it.
"Well we don't think you can do that.... We think they changed the law and you have to keep it insured."
I rang the DVLA: "Yes you can cancel the insurance on the Ka if you take it off the road.No problem. Fill in a Sorn while you're at it"
I rang the car hire company to double check.
"The replacement vehicle is covered separately so yes you can cancel the Ka insurance.No problem"
So I rang Swintons, the brokers back.
"I want to cancel my insurance on the Ka"
"Oh, have you got another car?"
"No" (I lied. But I wouldn't insure a Dinky Toy through these guys again.)
"Oh well...we'll have to check and see if you can do that....We'll call you back."
That was three hours ago.
You know, you pay people money for some sort of service and you assume they know more that you do....in some cases this obviously isn't true.
Next time I call a plumber I don't expect he'll ask me how to solder a pipe.
If I ever go for an operation I don't expect I'll come out of the anaesthetic and the surgeon will ask me if I have "any idea where this bit goes".
With some people its all about meeting their targets.
These people are just there to sell you stuff.
Don't expect them to have a clue about anything else, and if they do have a clue, don't expect them to tell you.
You're just the customer.