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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 20:47 
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If its contents though isn't it predicated on the stuff you own rather than the size of the property? I'm guessing you own more high value items than your mum even though she's got a bigger house.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 20:48 
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Not that I'm saying that's still a fair charge or anything as I've no idea, just commenting on why there might be a disparity between you and your mum's costs here.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 20:51 
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Muff Cabbage !

Joined: 12th Dec, 2008
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Location: On Mars as an anthropologist...
Bamba wrote:
If its contents though isn't it predicated on the stuff you own rather than the size of the property? I'm guessing you own more high value items than your mum even though she's got a bigger house.


I do have a bike on there worth a grand but that's it. I had one on there last year worth £800 but sold it. She did say when I changed the bikes it would go up, but I am not paying that. I will phone them tomorrow to see what I can do, and if they persist I will have to shop around. Security here is good. Three doors to get in. The only way you could really burgle the place is from behind (ooer) and even then you would have to climb three 10ft brick walls. Then you would have to get out again. There really is no way in through the front unless you climbed along the window ledge and then broke the window open without falling to your doom. there are no alley ways or breaks in the front of the entire block.

The Square footage of this place doesn't help. It is big I gotta admit. But, that is mainly due to the very high ceilings and large living room. Lots of space wasted tbh.

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Together we could fly,To where there's time for you and I.
Together we could walk to the river, stand with the families
Move to the sound of the band of Atlantis,
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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 20:55 
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Genuine question: did the insurance folk say that the size of the place impacted the cost of the policy? I've never heard of that, but I'm hardly well versed in this stuff so am just curious.

An increase of £200 in the worth of your bike shouldn't make that size of difference. Hell; I'm surprised it would make any difference as that's chicken feed in insurance terms.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 20:56 
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ugvm'er at heart...

Joined: 4th Mar, 2010
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Need contents insurance? I know an app for that... ;)

https://www.wrisk.co


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 20:59 
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Muff Cabbage !

Joined: 12th Dec, 2008
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Location: On Mars as an anthropologist...
Bamba wrote:
Genuine question: did the insurance folk say that the size of the place impacted the cost of the policy? I've never heard of that, but I'm hardly well versed in this stuff so am just curious.

An increase of £200 in the worth of your bike shouldn't make that size of difference. Hell; I'm surprised it would make any difference as that's chicken feed in insurance terms.


TBH I have a distinct feeling that me saying "I've never done this before so I don't know what I am doing" led to me being sold a policy that in all fairness I don't really need. Kinda like that time I phoned BT to ask a question, got sold a contract for broadband and then they called back an hour later saying I would have to pay an extra £250 because the salesman didn't realise my ex had put a hold on the line so I would need a whole new line. Thankfully my social worker stepped in, phoned them up and I ended paying nothing for two months.

Which was nice.

This is all new to me. I only started living alone last June. I suppose I will have to force myself to learn, but it's hard. It's all very scary to me tbh. I really hope MIND can sort out sheltered accommodation for me. There's just so much shit you need to know, and remember, when living alone.

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Together we can go,to where there ain't no more pain,
Together we could fly,To where there's time for you and I.
Together we could walk to the river, stand with the families
Move to the sound of the band of Atlantis,
One lovely day,


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:02 
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Also, it's definitely worth checking Compare the Market even if just to get ammunition for your conversation. I've just gone through it and it does ask question about the location so it might be something there that explains the jump.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:04 
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Just saw your last response there. Definitely go through the Compare the Market questions and see what it says as it doesn't require talking to anyone and should give you decent quotes so you know is where you stand.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:06 
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Muff Cabbage !

Joined: 12th Dec, 2008
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Bamba wrote:
Also, it's definitely worth checking Compare the Market even if just to get ammunition for your conversation. I've just gone through it and it does ask question about the location so it might be something there that explains the jump.


Well I phoned back when I got my orange bike. TBH? I could have left it the same as they were both the same name (PK Ripper) but I thought no, I will be honest. Any way I asked if my policy would go down she says "No it will go up" I say "Eh? why?" she just says it is the way it works. Then she said "Maybe you are better off switching". I thought "WTF??" so I say "So you are prepared to lose my business?" she says "It's just how it works".

No wonder I get so fucking confused. I mean, BT told me I have to pay £48 a month. Then they tell me that if I don't switch at the end of the year it goes up to nearly £60.

Seriously? what the fuck is going on with the world. Fookin bonkers !

So of course I will switch, but you can't switch back to BT lol. Asshats.

Will try CTM tomorrow. I will let you know how it goes. Maybe I should get my care worker around here though, so I don't get confused half way through like last time. There was no option for "disabled" and if you said you were unemployed they refused to fucking sell you insurance. So I put "other".

_________________
Together we can go,to where there ain't no more pain,
Together we could fly,To where there's time for you and I.
Together we could walk to the river, stand with the families
Move to the sound of the band of Atlantis,
One lovely day,


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:18 
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ugvm'er at heart...

Joined: 4th Mar, 2010
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In all seriousness jc, if you have an iPhone check out the link I posted. No contract, very few questions, just pay for what you own and want insured every month. It might fit what you need?

Plus if you ever have a problem I expect I can get you to the front of the queue quite easily ;)


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:25 
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Trooper wrote:
In all seriousness jc, if you have an iPhone check out the link I posted. No contract, very few questions, just pay for what you own and want insured every month. It might fit what you need?

Plus if you ever have a problem I expect I can get you to the front of the queue quite easily ;)


Wait, it's a company that only sells home insurance to iPhone owners? What the fuck!?


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:27 
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ugvm'er at heart...

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Bamba wrote:
Trooper wrote:
In all seriousness jc, if you have an iPhone check out the link I posted. No contract, very few questions, just pay for what you own and want insured every month. It might fit what you need?

Plus if you ever have a problem I expect I can get you to the front of the queue quite easily ;)


Wait, it's a company that only sells home insurance to iPhone owners? What the fuck!?


Other ways to buy are "coming soon"


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:31 
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Trooper wrote:
Bamba wrote:
Trooper wrote:
In all seriousness jc, if you have an iPhone check out the link I posted. No contract, very few questions, just pay for what you own and want insured every month. It might fit what you need?

Plus if you ever have a problem I expect I can get you to the front of the queue quite easily ;)


Wait, it's a company that only sells home insurance to iPhone owners? What the fuck!?


Other ways to buy are "coming soon"


I'm not sure I'd trust a company that made such hilariously awful business decisions. "Shall we start with a good website that literally anyone can access and do specific apps after that? Nah, let's leave potentially shitloads of money on the table by only catering to a single device by a single manufacturer!" Genius.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:41 
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Hmmm, unless it's a way to artificially restrict the number of customers they can get while their business matures. Which would work in the short term, but seems like a really bad idea in terms of frustrating people away and stifling the business in the long terms.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:46 
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Bamba wrote:

I'm not sure I'd trust a company that made such hilariously awful business decisions. "Shall we start with a good website that literally anyone can access and do specific apps after that? Nah, let's leave potentially shitloads of money on the table by only catering to a single device by a single manufacturer!" Genius.


That's certainly an opinion :) there are good reasons why that wouldn't have been the right way to go though.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 21:58 
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Paws for thought

Joined: 27th Mar, 2008
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Location: Just Outside That London, England, Europe
JohnCoffey wrote:
Dear Lloyds. It's a 1 bed flat, not Buckingham Palace !

Image

Yup, that's a bull quote.

A price comparison site would give a better quote, as they're rather having to compete with one another there, but not so much here.


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:03 
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Trooper wrote:
Need contents insurance? I know an app for that... ;)

https://www.wrisk.co

Oh! We need to talk...


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:04 
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Joined: 25th Sep, 2008
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my house insurance is less than that

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:20 
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Muff Cabbage !

Joined: 12th Dec, 2008
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KovacsC wrote:
my house insurance is less than that


Yup, my mother owns a 3 bed house and it's less than that and she has accidental cover on everything because of her arthritis.

I went on Compare The Market and chose Legal and General. It wasn't the cheapest (that was £100 a year) but it was half the price I am paying now (£13 odd a month as opposed to £25). So I listed the bike I take out of the property and was happy enough with that. Will phone Lloyds in the morning and tell them to do one. They also had an option for disabled, so I didn't have to lie. Oh, and I was honest about the bike that got pinched a couple of years back too.

_________________
Together we can go,to where there ain't no more pain,
Together we could fly,To where there's time for you and I.
Together we could walk to the river, stand with the families
Move to the sound of the band of Atlantis,
One lovely day,


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:22 
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Trooper wrote:
Bamba wrote:

I'm not sure I'd trust a company that made such hilariously awful business decisions. "Shall we start with a good website that literally anyone can access and do specific apps after that? Nah, let's leave potentially shitloads of money on the table by only catering to a single device by a single manufacturer!" Genius.


That's certainly an opinion :) there are good reasons why that wouldn't have been the right way to go though.


Given the company only started last year, I suppose we'll see how good those reasons are. :p


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:26 
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JohnCoffey wrote:
KovacsC wrote:
my house insurance is less than that


Yup, my mother owns a 3 bed house and it's less than that and she has accidental cover on everything because of her arthritis.

I went on Compare The Market and chose Legal and General. It wasn't the cheapest (that was £100 a year) but it was half the price I am paying now (£13 odd a month as opposed to £25). So I listed the bike I take out of the property and was happy enough with that. Will phone Lloyds in the morning and tell them to do one. They also had an option for disabled, so I didn't have to lie. Oh, and I was honest about the bike that got pinched a couple of years back too.


Was the bike stolen form where you live now?

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MetalAngel wrote:
Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:27 
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House insurance is a fad

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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:31 
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Lonewolves wrote:
House insurance is a fad


:?: :?: :?:

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MetalAngel wrote:
Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:35 
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KovacsC wrote:
Lonewolves wrote:
House insurance is a fad


:?: :?: :?:


How does it compare to Assassin's Creed kov?


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:40 
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Muff Cabbage !

Joined: 12th Dec, 2008
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KovacsC wrote:
Was the bike stolen form where you live now?


Yeah. The dude upstairs got into a drunken fight with his mate and all hell broke loose. The police came around, kicked in his door and took him off in a meat wagon. Only thing is they left the outer door open and it was like 4 in the morning so I didn't get out of bed to check. Bike was locked, but not locked to anything. I asked the landlady about it after she says no, then the bloke in the top flat fixes a lock to the wall and puts two honking great bikes worth about 50p there.

Mind you, after the lucky escape I don't think I would leave another one there locked to the wall or not (insurance company initially refused, but I think when I broke down crying they changed their mind).

I'm a bit attached to my bikes. They are the only thing that gets me out of this prison, and the only reason I leave the house. Plus of course I love them to bits too. So aye I was pretty devastated.

_________________
Together we can go,to where there ain't no more pain,
Together we could fly,To where there's time for you and I.
Together we could walk to the river, stand with the families
Move to the sound of the band of Atlantis,
One lovely day,


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:43 
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Fitness Nut...

Joined: 25th Sep, 2008
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Bamba wrote:
KovacsC wrote:
Lonewolves wrote:
House insurance is a fad


:?: :?: :?:


How does it compare to Assassin's Creed kov?


What are you on about?

Oh the Assassins creed post you made, the resurrected 1 year later, and I replied to the original post, as I had not seen the date... gotcha. This still a joke?

if so.... ha ha ha

if not... you knob :)

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MetalAngel wrote:
Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 22:49 
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ugvm'er at heart...

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ApplePieOfDestiny wrote:
Trooper wrote:
Need contents insurance? I know an app for that... ;)

https://www.wrisk.co

Oh! We need to talk...


Do we?


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 23:00 
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Fitness Nut...

Joined: 25th Sep, 2008
Posts: 18619
Location: shropshire, uk
Lonewolves wrote:
House insurance is a fad


Just read the PC hardware thread... get you now

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MetalAngel wrote:
Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Wed Jul 11, 2018 23:13 
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Trooper wrote:
ApplePieOfDestiny wrote:
Trooper wrote:
Need contents insurance? I know an app for that... ;)

https://www.wrisk.co

Oh! We need to talk...


Do we?


Am I the only one that thought that 'offer' sounded sinister as all shit?


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 Post subject: Re: The 'NAY!' Thread
PostPosted: Thu Jul 12, 2018 0:11 
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Thanks for your kind words today everyone. I spent most of the day at my mom and dads today while they waited for an assessor to a local hospice to come out. She did and went through a load of questions but it looks like there's a room available for him.

She's calling back in the morning to put the wheels in motion so it looks like he could be in there by tomorrow evening.

He is a little anxious but has a sense of relief. He doesn't want to be 'here' anymore. Understandably so after everything that's happened to him.


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