I would just like to say

Morning All.
Drizzly here. But I hope it will brighten up later.
Have a great day!

Mornin
Sunny here
At sixes and sevens this mornin, too much to do
Cup of tea solves everythin
Stay focused all

derwendolly said:

But this isn't what was said by the R4 person who you quoted. All the above is true and understandable BUT he said that before they even think about offering insurance they consider the age of the applicant and work from there. That is NOT a level playing field, that seems to be blatent discrimination to my mind.

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The person on r4 i'm referring to was talking about 4 to 6 weeks ago. He was from the over viewer regulator type peeps. Its a topic that regularly pops up. He was talking around the time their yearly financial results were published. Media highlighting price rises and insurance companies boosting turnover and profits. He corrected this saying we din't pay enough for insurance histirically. Hence turnover rise. Also because running costs have gone up. Also same fer premiums. Profits went from loss to gain.

You can make a complaint to the financial ombudsman if yer fink yer being discriminated against. But its no different to specialist companies that only insure wimmins, or oap's, sports cars etc. Age is a big facter. Yer tarred wiv the same brush as other peeps in yer age group. A typical peep having risks the same as others in their group.

Can't remember the values but he also tslked about the average cost of claims going up.

When eye bort me castle my insurance dropped 200 sovs to 400. Ticking and unticking the home owner box changes the price. My driving never changed. Just their perception of me. Perhaps castle owners claim less.

Stone56 said:

So why does my defender only cost £115.00 over here the parts cost the same . One big ripoff thay need to publish their profit margins

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Where is 'over ere'? Is it in a country where it costs less to run a company, employ staff etc. Does the insurance cover you to the same level. Peeps over ere are going for cheaper providers but dun't always realise why its cheaper. Like not avvin a 24/7 claims line. Or not repsiring damage in a timely manner.

An example of free breakdown cover via a bank. Car breaks down. 3 hours later they turn up to look. It was a sunday. Can't do anyfink. 2 hours later a tow vehicle arrives. Max 50 miles tow limit despite having a bationwide policy. If yer want more than 50 miles its towed to a yard and moved via car transporter a week later. Wakes to england middle bit. Then moved on from there. Not all policies are like this but yer get what yer pay for.

Stone56 said:

It's a bit strange thay increased with brexit

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Br*xit increased costs. We were trading across yurup viw no trade barriers. We now have to pay import tax. So vw, bmw and audi parts from germany are more expensive. Previoulsly no need for a shipping invoice and minimal customs checks for majority of yurup. Norranymore. That costs anorl. Time is money. Labour costs money. Number of under wrighters dropped anorl. They're chancer risk insurance type companies located around the world.

Yesdi the smaller squirrel climbed down me fence by me castle where the other one normally climbs. He were looking at the hazel nut open cases. Norras scared as the other one. Weren't bovvurd at me looking at him from me kitchen window. It was a shame there were nuts he could have had by me patio door. Eye will spread them oot so he realises nuts are available. More chance of finding em that way.

My parcel was delivered yesterday and I was out.
No note through my letterbox
Got an email saying it was delivered to someone called Jones (not my name)
Delivered at 53.4201013 degrees North 2.592141 degrees West
Cant get any more information as to where it was delivered
Royal Mail tracking etc just takes you around in circles and back eventually to the same page
Nightmare

Google says its on Newhaven road near corner with poplars ave , warrington

landowner said:

My parcel was delivered yesterday and I was out.
No note through my letterbox
Got an email saying it was delivered to someone called Jones (not my name)
Delivered at 53.4201013 degrees North 2.592141 degrees West
Cant get any more information as to where it was delivered
Royal Mail tracking etc just takes you around in circles and back eventually to the same page
Nightmare

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Is there a picture of where it were left?

Hippo said:

Is there a picture of where it were left?

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Caught the post lady today and she had my parcel in her hand
Apparently they scanned the parcel as delivered by mistake and the delivery coordinates were where their van was parked
All's well that ends well, stress over

D1Nut said:

Google says its on Newhaven road near corner with poplars ave , warrington

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Thanks
That's where they park the van, they scanned it as delivered by mistake

landowner said:

My parcel was delivered yesterday and I was out.
No note through my letterbox
Got an email saying it was delivered to someone called Jones (not my name)
Delivered at 53.4201013 degrees North 2.592141 degrees West
Cant get any more information as to where it was delivered
Royal Mail tracking etc just takes you around in circles and back eventually to the same page
Nightmare

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I had the same bother with parcel force a week ago, delivered it to someone else then after contacting screwfix 3 times
& 45 mins each time I lost the plot as they said I had to wait for parcel force to go and get it back & I wasnt getting a refund.
Well I aint accepting this so get me a manager, no sir im the supervisor im dealing with it aye right pal this is how
its going to be................ so a manager came on & sorted my refund then the chap from PF came round just after n handed the
opened parcel. No wrapping no name or address on it the cheeky gits had opened it & would have kept it but the lad knew
where he'd delivered it so went n got it back.

Warm here today...found a car I like, tis the older model cause a new one is 100k ++

Hippo said:

Br*xit increased costs. We were trading across yurup viw no trade barriers. We now have to pay import tax. So vw, bmw and audi parts from germany are more expensive. Previoulsly no need for a shipping invoice and minimal customs checks for majority of yurup. Norranymore. That costs anorl. Time is money. Labour costs money. Number of under wrighters dropped anorl. They're chancer risk insurance type companies located around the world.

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So I am correct then

Well my scrap radiator cap and gauge actually works, reeesult

Hippo said:

Where is 'over ere'? Is it in a country where it costs less to run a company, employ staff etc. Does the insurance cover you to the same level. Peeps over ere are going for cheaper providers but dun't always realise why its cheaper. Like not avvin a 24/7 claims line. Or not repsiring damage in a timely manner.

An example of free breakdown cover via a bank. Car breaks down. 3 hours later they turn up to look. It was a sunday. Can't do anyfink. 2 hours later a tow vehicle arrives. Max 50 miles tow limit despite having a bationwide policy. If yer want more than 50 miles its towed to a yard and moved via car transporter a week later. Wakes to england middle bit. Then moved on from there. Not all policies are like this but yer get what yer pay for.

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Over ere is the EU it's not a cheaper provider it's the standard rate for the vehicle with agreed values most of the over ere EU insurance is on the vehicles not the person

landowner said:

Well my scrap radiator cap and gauge actually works, reeesult

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I wouldn't call it scrap someone some where has been searching for 10yrs for one like that

Stone56 said:

I wouldn't call it scrap someone some where has been searching for 10yrs for one like that

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Don't know what it's off, bought it to put on top of my rad on the truck