John W.
An unacceptable insurance premium hike
I came across the RAC Car insurance on the Go Compare website. Read all the usual blurb and decided to go with them. I tried to take out the insurance on line, but no luck. The site kept freezing. I phoned them (and nearly fell asleep with the preambles) Once through, I started giving my details etc. I informed them that I had breakdown cover with them. Ah! I had come through to sales and should have gone to customer services, I would be transferred. This is where it started to go wrong. I listened to the preambles once again (wife brings coffee to keep me awake) and I still ended back with sales. After much faffing, I got to customer services. Went through all the usual and came to the question, has your car been modified beyond standard. I declared an added scuff plate to the top of the rear bumper to protect the paint work when dragging things from the boot. This had to be put to their referral dept to see if it qualified for an increase in premium. On comes the music, more music and yet more music. 10 minutes and I was about to ring off when the operator came back and informed me that the referrals dept had gone home for the evening (it was 5:30pm!!) and could I phone back the following day. I refused and suggested they phoned me. Nope, they could not do outgoing calls. I insisted most 'emphatically' and the young lady phoned me at exactly the time I had specified. Here is the good bit. The day before, my premium would have been £205 before my declaration. It had now gone up to £290!!!! £85 increase for a plastic strip on the rear bumper and NO, I did not take out the policy. Be warned, given half a chance, these guys will nail you to the floor.

