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UnknownStuntm...
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PostPosted: 10:25 - 15 Jan 2015    Post subject: Just Motorcycle Insurance (pillocks) Reply with quote
Renewal £90
Gocompare cheapest alternative (Devitt) £78
Call to see if they can beat or match, I'm told "We don't have ways to reduce the price at all, sorry"
Gocompare again to take out with Devitt, notice JMI at £88

Fucking shysters can suck my ballsack.
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Mr Calendar



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PostPosted: 10:36 - 15 Jan 2015    Post subject: Reply with quote
FWIW IIRC Just Motorcycle Insurance is the online only business of Carole Nash. Did you call Carole Nash to check as well? Plus was it like for like in terms of excess and any recovery, legal cover etc. (yes I know they're rip-off add-ons but still!)
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arry
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PostPosted: 11:41 - 15 Jan 2015    Post subject: Reply with quote
I sort of get the principle - but, umm, £2. You're starting a thread....to moan....about £2.....
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Matt B
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PostPosted: 11:43 - 15 Jan 2015    Post subject: Reply with quote
I never bother trying to get the current insurer to reduce the premium, just go with whatever comes up cheapest in the search. If they can't beat the competition or even match their own online price then they don't deserve the business.

I used JMI last year for 3 bikes because they were the cheapest. This time they lost out because Swinton was the best quote. I'm sure next year Swinton will lose it.
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Mr Calendar



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PostPosted: 11:44 - 15 Jan 2015    Post subject: Reply with quote
arry wrote:
...starting a thread....to moan....about £2.....
UnknownStuntman wrote:
Renewal £90
Gocompare cheapest alternative (Devitt) £78...

err, when I did maths £90 - £78 = £12, not £2.
As a percentage that's just over 13%.
Which as a percentage is actually quite a lot Very Happy
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arry
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PostPosted: 11:49 - 15 Jan 2015    Post subject: Reply with quote
map wrote:

err, when I did maths £90 - £78 = £12, not £2.
As a percentage that's just over 13%.
Which as a percentage is actually quite a lot Very Happy


But JMI were £90 renewal or £88 new business - which is the point I believe he was trying to make.
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UnknownStuntm...
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PostPosted: 11:52 - 15 Jan 2015    Post subject: Reply with quote
arry wrote:
I sort of get the principle - but, umm, £2. You're starting a thread....to moan....about £2.....


The fact that my renewal invitiation was more than I could expect to be quoted through a third party is mind boggling. Gocompare no doubt get a spiv off the business they push through, I can't imagine it's less than a couple quid, so that's most likely £4 of wiggle room before I've even asked about why an existing customer I've not received any thanks for using them over the last year.

How many sheep just say "ah well it's only £2" before Mr JMI gets a flash new Jag?
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arry
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PostPosted: 12:01 - 15 Jan 2015    Post subject: Reply with quote
UnknownStuntman wrote:

The fact that my renewal invitiation was more than I could expect to be quoted through a third party is mind boggling. Gocompare no doubt get a spiv off the business they push through, I can't imagine it's less than a couple quid, so that's most likely £4 of wiggle room before I've even asked about why an existing customer I've not received any thanks for using them over the last year.

How many sheep just say "ah well it's only £2" before Mr JMI gets a flash new Jag?


It's not quite that easy. The aggregator has a financial model in the foreground that affects the on-screen price; they drop / waive their placement commission and fixed fees on occasion in order to secure the policy at new business.

It's incredibly difficult for any insurer to control front line and back room pricing to any great degree - there's too many hoops in between; in this instance there's the aggregator and whatever proprietary software-house they happen to be using in between and how high up the build priority schedule the particular broker happens to be before a 'fix' to pricing can go live in system.

Believe me, they'd much rather have their best up-front pricing being, umm, up front and not take the phone call - phone calls / post are the enemy of any volume business. It deeply upsets the financials of the model.
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UnknownStuntm...
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PostPosted: 13:05 - 15 Jan 2015    Post subject: Reply with quote
arry wrote:
Believe me, they'd much rather have their best up-front pricing being, umm, up front and not take the phone call - phone calls / post are the enemy of any volume business. It deeply upsets the financials of the model.


I do believe you! And it still aggrieves me that to not upset them, I as a forced consumer of this pish, have to pay them extra. Whether or not they can arrange the maths behind their front line pricing isn't my concern. 10% of my business with them is now worth exactly zero, since they've not got it!
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mentalboy
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PostPosted: 13:31 - 15 Jan 2015    Post subject: Reply with quote
UnknownStuntman wrote:
arry wrote:
Believe me, they'd much rather have their best up-front pricing being, umm, up front and not take the phone call - phone calls / post are the enemy of any volume business. It deeply upsets the financials of the model.


I do believe you! And it still aggrieves me that to not upset them, I as a forced consumer of this pish, have to pay them extra. Whether or not they can arrange the maths behind their front line pricing isn't my concern. 10% of my business with them is now worth exactly zero, since they've not got it!


Insurance is one of my pet peeves too. There was a time when a company valued your renewal with them because they valued having your business, now they don't care because you're just another number to extract money from, it is our own fault though because we all want everything cheaper.
What we actually receive for our cheaper premium doesn't actually factor in with most customers until we need to pursue a claim (and then we moan that our policy that was £100 less than the competition is trying to screw us out of a claim Rolling Eyes )
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barrkel
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PostPosted: 13:49 - 15 Jan 2015    Post subject: Reply with quote
arry wrote:
Believe me, they'd much rather have their best up-front pricing being, umm, up front and not take the phone call - phone calls / post are the enemy of any volume business. It deeply upsets the financials of the model.

I agree with you in principle, but in practice, any time I've used my real phone number with a quote system, I've had a bunch of phone calls after - so now I always use 020 87654321.
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arry
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PostPosted: 13:53 - 15 Jan 2015    Post subject: Reply with quote
mentalboy wrote:

Insurance is one of my pet peeves too. There was a time when a company valued your renewal with them because they valued having your business, now they don't care because you're just another number to extract money from, it is our own fault though because we all want everything cheaper.
What we actually receive for our cheaper premium doesn't actually factor in with most customers until we need to pursue a claim (and then we moan that our policy that was £100 less than the competition is trying to screw us out of a claim Rolling Eyes )


Customer behaviour does tend to shape business services heavily.

A good few years ago, one of the worst CEO's I ever worked under said something along the lines of 'the customer will not pay for anything in the background that they do not perceive as value for money'. In essence, that was just a way of saying that call staff in the UK were about to get sacked as the work got shipped off to India. Problem is he was right, the company reduced its cost base, got ~4% margin out of it, took it off headline pricing and surprise, surprise, conversion went up markedly and sustainably. Until of course everyone else did the same thing - and now the standard volume insurance industry doesn't employ quality people with knowledge as it isn't perceived as valued - the customer will move for the sake of £12 as in this example so you've got to keep costs low as possible to remain competitive. (not saying that JMI have quality people - just that customer behaviour is a driving factor)

There are still the odd ones out that are specialists - my car insurance has been with the same broker for ~7 years now I think. Reason? They've always looked after me. Never the cheapest, but I don't mind paying the extra for a non-faceless service.
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Ste
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PostPosted: 16:02 - 15 Jan 2015    Post subject: Reply with quote
MC wrote:
unlike MCE

They've spammed BCF in the past which is unforgivable. Laughing
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whitedevil
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PostPosted: 16:06 - 15 Jan 2015    Post subject: Reply with quote
JMI didnt cover you on any bike last time i used them, thats why i changed.
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Matt B
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PostPosted: 19:20 - 15 Jan 2015    Post subject: Reply with quote
MC wrote:
whitedevil wrote:
JMI didnt cover you on any bike last time i used them, thats why i changed.

Serious question, who does? I've probably only twice seen riding other bikes included in any quotes I've gotten, unless it's normally something hidden in the terms. Also worth mentioning this is on third party policies (if it's normally a fully comp' thing?).


It is on both my Swinton policies and was on the Hastings policies I've had in the past.

It is a fully comp thing though, don't think you get it with 3rd party.
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SQL
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PostPosted: 19:30 - 15 Jan 2015    Post subject: Reply with quote
TPFT with MCE, I have ride other bikes and Pillion ins
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whitedevil
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PostPosted: 20:21 - 15 Jan 2015    Post subject: Reply with quote
SQL wrote:
TPFT with MCE, I have ride other bikes and Pillion ins

yep, me too, swinton do too
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SQL
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PostPosted: 20:45 - 15 Jan 2015    Post subject: Reply with quote
MC wrote:
Bastards, I didn't get riding other bikes with my policy Sad Considering I've got a crashed bike with a policy still running that would actually be useful.


:o selling the mt-03?
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pdg
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PostPosted: 21:41 - 15 Jan 2015    Post subject: Reply with quote
I've been sorting out my renewal and according to someone at carole nash, JMI is their 'budget' company, rather than online only...

Apparently, CN policies all come with breakdown/legal/etc. (none of which I want) and it can't be removed to get the price down - so they referred me to JMI.

I may have mis-remembered here because I've spoken to a fair few insurers but I'm pretty sure my conversation with JMI went somewhat like:


Me - do you cover modified bikes?
Them - yes.

Later in the process...

Them - are there any modifications?
Me - yes, different gearbox, swingarm, wheels, handlebars - oh, and a towbar....
Them - oh, we can't provide cover then.
Me - but you said you covered modified bikes.
Them - we do, but not that modified.
Me - well, what do you consider modified then?








Them - heated grips.

Thumbs Up


Looks like Swinton for the third year in a row then.
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