Thought I’d quickly look around at insurers known to take low car usage into account.
PayAsYouDrive… whipped through the form, and it came up with $426.50 for the minimum 5000 kms per year of driving. A more conservative 7000 kms came back as $477.80. So they’re out. (By the way, their web site has improved since the problems I had with it in 2009, which at the time prompted them to respond on my blog. But it doesn’t appear to cater for anything other than a policy starting today, even though I was already currently insured. Odd.)
Youi. Asked for a mobile number to send me a PIN. Annoying, but they say it’s to prevent robots getting into their system. Not sure I believe that, but ok, I went through web form, got to the end and…
…it announced I’m a “preferred customer”, and, without giving me the option: one of our highly skilled advisors is busy calling you right now to finalise your quote.
Sure enough the guy rang up a minute later.
I was cranky. I didn’t want a phone call. I hate making phone calls about insurance, and I don’t have the time. That’s why I used the web site. Heck, this type of transaction is what web sites are made for.
I told the guy so, and asked him to pass that on to his management, and I reluctantly agreed to have him ring back later. (5-6 minutes on the phone, he promised.) After all, perhaps it would be cheaper than Bingle… though it would need to be a significant amount to overcome the inconvenience of the phone call, and the deceptive web site.
You know what Youi, you’re not getting off to a good start on the whole customer-relationship front. If I’d wanted to discuss it on the phone, I would have clicked the “Quote by phone” button instead of the “Quote online” button.
So anyway, I took the subsequent call. The bloke was polite, quick and professional, but the questions included nothing they couldn’t have asked online.
Except this: he asked who I was currently with, and what their premium was. He said Bingle is a hard one to compete with, and Youi’s cover is better, with more benefits (which may well be true, but what do I care if I have never ever claimed, and drive so little that, touch wood, I’ll never have to?)…
Here’s the kicker: He said that the best premium they could offer me is $466.85.
Yes, after all that, after wasting my time with an unwanted phone call, Youi was $91.75 higher than Bingle.
I think at this point you can guess who’s getting my money.