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can you pay monthly with Carole Nash?

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WULFSTAN
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Joined: 18 Sep 2010
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PostPosted: 20:56 - 30 Apr 2012    Post subject: can you pay monthly with Carole Nash? Reply with quote
i got a quote online and there don't seem to be a option to pay monthly.
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The Shaggy D.A.
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Joined: 12 Sep 2008
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PostPosted: 20:59 - 30 Apr 2012    Post subject: Reply with quote
It would seem so.

https://www.carolenash.com/bike-insurance/

Quote:
Bite-sized payments scheme

Spread the cost of your insurance with handy instalments
Monthly direct debit payments also available for our Six Wheel policy.


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cornish
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Joined: 03 Feb 2011
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PostPosted: 21:00 - 30 Apr 2012    Post subject: Reply with quote
iirc last time i was insured with them there was a monthly option. Maybe give them a call instead Thumbs Up


EDIT: ooops, sorry. Shaggy posted while i was still typing Smile
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Derivative
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PostPosted: 21:04 - 30 Apr 2012    Post subject: Reply with quote
Why not take out a loan and pay annually? Almost definitely get a better rate.
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WULFSTAN
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PostPosted: 21:05 - 30 Apr 2012    Post subject: Reply with quote
£154 tpft not bad i think
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Rogerborg
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Joined: 26 Oct 2010
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PostPosted: 21:20 - 30 Apr 2012    Post subject: Reply with quote
EdgEy wrote:
Why not take out a loan and pay annually? Almost definitely get a better rate.


So we're all clear, if you take a "pay monthly" policy this is (almost certainly) what you are doing, whether you realise it or not.

The broker pays the underwriter up front, you pay back that loan to the broker. If you cancel the policy, you still owe them the money, perhaps less anything that you get back from the underwriter, but with admin fees slapped on it.

In short, don't do it unless you have no other choice, and consider carefully what will happen if you have to cancel the policy - including changing bikes to one that the underwriter won't cover.

Don't expect to be treated reasonably, read the policy before agreeing to it.
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Derivative
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PostPosted: 22:03 - 30 Apr 2012    Post subject: Reply with quote
Yes, the above is all true. You're essentially taking a loan anyway, just at a high (generally 30-40%) rate.

Unless your credit rating is total shit, your bank will probably give you a loan for 10-15%. That's a saving of at least 15% or £75 on a £500 policy.
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Marmalade
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Joined: 28 Apr 2009
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PostPosted: 22:08 - 30 Apr 2012    Post subject: Reply with quote
I'm with carol nash, so far no troubles inn last 14 months

Paying in 4 instalments
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Ariel Badger
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Joined: 02 Dec 2006
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PostPosted: 22:09 - 30 Apr 2012    Post subject: Reply with quote
Carol Nash ripped me off on a payout 3 years ago by telling me lies about just about everything. Avoid.
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JoeDougieDoug...
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Joined: 25 Oct 2011
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PostPosted: 11:13 - 01 May 2012    Post subject: Reply with quote
I always thought that Carol Nash were one of the more expensive insurers... Hmm.
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Old Thread Alert!

The last post was made 13 years, 178 days ago. Instead of replying here, would creating a new thread be more useful?
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