Aviva refused to quote my iPace as a 63 year old retired low mileage (4000/annum) driver. Last year was £650, this year same broker quoted £2,500 !!. Eventually got it for £750 this year. Keep up the great work guys.
As an ex retailer we had merchandise meetings explaining why products were placed where they are and why on occasions they were changed. ( margin / supplier bonus / shelf cap ) . So you are not going mad when you can't find something . I also used to drive a HGV on nights out of a depot in Bradford!!!. Police interceptors wasn't filmed there for no reason.
Supermarkets - it's about increasing awareness of things we wouldn't normally buy. We normally buy a similar basket each week but, when the shelves are shuffled, we see products that we normally walk past. Then we say “that thing looks nice/interesting” and pop some of them in our basket.
It's a nightmare for us poor sods that have to put the stock out, I walked in the other night to find 'my' aisle all moved around. Took me a bloody age to find where things went!
More of these kinds of podcasts please - the mucking around is fun, but it's also nice to hear both of your opinions on these more serious kinds of topics!
Shareholder dividends from insurers - don’t forget that virtually everyone with any sort of pension savings plan is a vicarious shareholder of the big insurers so if there isn’t a dividend payment your pension suffers…………. I’m not condoning big payouts to share holders but remember most people in the U.K. now have to have auto enrolled pension savings plans that makes them a shareholder of something.
It's a well known supermarket tactic. Move things and the customer has to search for what they've come in for. While searching they spot something they didn't come in for and make an (additional) impulse purchase. Turnover goes up for a couple of weeks. The supermarket has to balance this with the risk of annoying their customers so much that they go to a rival store, of course, so they don't do it too often.
My Tesco extra just out in new chillers and shuffled the whole store around, including non chilled sections. Confuses the crap outta me! More ranting is never a bad thing, so long as it’s funny and relatable. 😆👍
As an interesting point, my insurance went up around 40-50% for my ZS ev. With all this "ev's cost more to insure" I did a check on the petrol version, same age and spec as mine but valued less and being petrol auto, and it was £475.85 for the EV and £504.10 for the petrol version. I don't get where people are coming from that it's EV's that are expensive to insure. Out of curiosity I got a quote for a Taycan, after seeing another channel say his was "uninsurable" and I got a quote of £1338.85. Fairly reasonable given the difference between mine and their car....
The problem with most politicians is they see a lot of London and all of the transport options. Then in the bigger cities that have trams and a great bus network. If you live in the countryside, public transport does not exist. We have no regular bus and living near to the county border, we can not even get to our closest large village that has the shops and pubs. So a car is needed and my EV is fantastic as I no longer need to do a 20 mile round trip to refuel. It also costs me a tenth of the previous fuel cost. But now being hit by insurance price rises is the biggest hit. Cars have certainly increased in price over the past 2 years and this has definately affected the insurance cost as well as repair costs taking longer and parts being more expensive. I loved the podcast being focussed on a subject and being objective.
In my 60s, never had a claim in 50years of driving. Insurance renewal went up 65%. Obviously shopped around and got it cheaper but companies are clearly profiteering. It is actively encouraging owners to drive uninsured which of course is wrong.
They change the aisles onto opposite sides so that you look both ways when you cross the road. Although there won’t be any cars to run you over ! Back in 1976 a friend of mine had a reliant robin. As soon as called friends 4 of us picked it up and moved a street away whilst he was at Tech ( if you know what that was ) we thought it was funny anyway
Had to visit my local repair shop to ask about a dent on the bonnet of my Fiat 500e. The chap I was talking with told me that paint for cars has gone through the roof. My car is rose gold and he said this is a special paint and will cost £1000 per litre at least. To remove the dent prep and paint the bonnet would be more than £850 if the paint wasn't special coat. Had a paint free dent removal done for £45 and he buffed out the small scratch. This kind of price will write cars off that appear to have very minor damage.
The lack of enough battery repair workshops is probably why EVs are being written off when there is actually very little wrong with them. In Norway, which seems 5 years ahead of the UK in this, there are companies such as Elbilmek which specialises in this work. Hopefully many more such companies will spring up soon in the UK as demand grows.
47:47 yes, it's deliberate because they want you ROAM around, hoping you will buy more stuff. what you want/"feel like" vs necessities what you actually need. so you going to supermarket, rarely/occasionally, already fed and with shopping-list is what they don't want you to do. they ❤ frequent, distracted/confused and hungry shoppers.
Renewal was increased 206% recently. Shopping arround reduced that to a 63% increase. 9+ years ncd, 2 drivers in 50s, kona 64kwh. We've had more than 10 year of very cheap insurance until this year. £385 is way more than we have paid in a long, long time.
In the USA you insure the car ... regardless of driver .. often with house insurance. When I visit friends there they just give me the keys to their car and/or motorcycle. I cannot do the same for them when they visit UK.
Talking of mondeos, i had mondeo worth £5500, changed to hyundai ioniq £24k no cost to change on ins. Then changed to kona 64kw. No change again. By the way the annual cost is £210 , 30+ years no claims age 59.
A huge contributor to increased premiums and write offs is 1/ Guaranteed Courtesy Car ( and the “racket” surrounding that industry and it’s pricing to insurers) combined with 2/ Extended lead times for some parts to repair. the combination of £150 a day car hire and, say, a month to get parts, means a £5k car hire bill before they start the repair, which may take another month
Car - do I need one - yes, and no! I could manage without, by getting the supermarket to deliver what they think I want, to my house, and if I go nowhere, but just sit and watch You-tube all day. For work, no, because I've been retired for 15 years!, But - for my main hobbies, yes, most definitely, because the main focus of activity with all of them is way out in the country (nothing improper, honest!) - and without the car there is no way I could carry everything I need, including basic spare parts, on a bicycle - there is no bus or rail route anywhere near, and a taxi - ha! Not a snowflake in a bessemer furnace chance of getting one to take me - never mind come and bring me back! (The phone signal is iffy at best, anyway!) - - Supermarkets swapping stock about - that really bugs me. I have so much to spend on groceries, and when it is gone, that's it. I don't care how appealing the 'new' item is, if I don't know what it is, I don't get it, in case I don't like it - (or it doesn't like me!), and then that money it cost has been wasted. Also - swapping stock They leave things in place for a little while, so the regular customers can just go to them, then suddenly the potatoes are chinese tv dinners, or something, so the ten minute shop becomes an hour, wandering up, down, and round, trying to find the things you went for. Now, recently, I've been plagued with arthritis in a hip, which means I cannot walk very far, so having to hunt for basic groceries becomes purgatory, and I often leave without having found the item I went for, if they've been swapped round again!
I just renewed my insurance on my Zoe. Ended up finding a deal for £100 more than last year. What annoyed me the most though was the 10 mins I wasted putting my details in on Direct lines website. Ohhh we aren't on price comparison websites, we don't pay them a fee so we can get you a better deal. Yeah right...£1400 quote. 😮 I'm 40, no points, 10 year+ no claims. That didn't even include breakdown cover. I drive a slow as hell Renault Zoe! They phoned me afterwards to see if I wanted to take it up...I unpolitely declined.
I'm with Aviva, my insurance was 1050 my renewal just came in at about 150% increase but I did make a claim, I increased my excess to 1000 which is a lot but it knocked 400 of my policy and I see it as a bet worth taking because it's the first time I've ever made a claim.
While prices have gone up we had a lockdown for most of 2020 so didn't insurance companies make a killing due to less miles being done and less accidents? Then in the first 3 months of 2021 more lock down. I am guessing the insurance companies are using 2020 profit figures as a bench mark to justify their lower profit in 2021 and calling it 'a loss' i.e. in comparison to 2020's profit they made less so it's 'a loss'? As you say a lot of companies are using 'inflation' as a justification to raise prices way above headline numbers because people are expecting it. Bit like fuel prices are now at £1.60 a litre and that's accepted as it's lower than £1.90! It's all about what they think they can get away with - but they are businesses out to make a profit.
I don't get why when I buy a 3 year old EV I'll have to pay £180 VED from 2025, but my current 13 year old Peugeot 1.6eHDi will continue to only cost £30. Won't stop me switching but it's still odd. Insurance wise, I have seen an increase in policy price, but it's closer to inflation increase for me. 9+ NCD, 37 years old, 5000 miles a year.
I have a great joke for you. David Cameron has been appointed as Foreign Secretary and we also have a minister for common sense. I am waiting for a minister of oxymorons
IMHO the insurance companies have just jumped on the bandwagon and are taking the piss because by law this is a product that you must have if you take vehicle on the road.
The 2025 EV road tax, does anyone know if the luxury £355 extra applies to current cars or on cars bought after April 2025? I’ve looked everywhere and no one knows.
Keep the moan format with current serious topics/annoyances. Supermarkets change layouts for various reasons, cleanliness of displays, they need to clean under shelves regularly so need to move stock around to allow this. Certain brands pay premiums for prime positions for a set period of time, so require changes to the layout to accommodate their spot. Also it helps to change annoyingly to make people search for stuff, it increases the dwell time in the store, so you are distracted into buying more stuff.
Dad, are we pyromaniacs? Yes, we arson.
I’ve started telling everyone about the benefits of eating dried grapes. It’s all about raisin awareness.
A mate of mine had to go to A&E because he drank a bottle of invisible ink. He's still waiting to be seen.
Aviva refused to quote my iPace as a 63 year old retired low mileage (4000/annum) driver. Last year was £650, this year same broker quoted £2,500 !!. Eventually got it for £750 this year. Keep up the great work guys.
As an ex retailer we had merchandise meetings explaining why products were placed where they are and why on occasions they were changed. ( margin / supplier bonus / shelf cap ) . So you are not going mad when you can't find something .
I also used to drive a HGV on nights out of a depot in Bradford!!!. Police interceptors wasn't filmed there for no reason.
I have a chicken proof lawn........... It's Impeccable
Supermarkets - it's about increasing awareness of things we wouldn't normally buy. We normally buy a similar basket each week but, when the shelves are shuffled, we see products that we normally walk past. Then we say “that thing looks nice/interesting” and pop some of them in our basket.
It's a nightmare for us poor sods that have to put the stock out, I walked in the other night to find 'my' aisle all moved around. Took me a bloody age to find where things went!
More of these kinds of podcasts please - the mucking around is fun, but it's also nice to hear both of your opinions on these more serious kinds of topics!
Shareholder dividends from insurers - don’t forget that virtually everyone with any sort of pension savings plan is a vicarious shareholder of the big insurers so if there isn’t a dividend payment your pension suffers…………. I’m not condoning big payouts to share holders but remember most people in the U.K. now have to have auto enrolled pension savings plans that makes them a shareholder of something.
It's a well known supermarket tactic.
Move things and the customer has to search for what they've come in for.
While searching they spot something they didn't come in for and make an (additional) impulse purchase.
Turnover goes up for a couple of weeks.
The supermarket has to balance this with the risk of annoying their customers so much that they go to a rival store, of course, so they don't do it too often.
My Tesco extra just out in new chillers and shuffled the whole store around, including non chilled sections. Confuses the crap outta me! More ranting is never a bad thing, so long as it’s funny and relatable. 😆👍
As an interesting point, my insurance went up around 40-50% for my ZS ev. With all this "ev's cost more to insure" I did a check on the petrol version, same age and spec as mine but valued less and being petrol auto, and it was £475.85 for the EV and £504.10 for the petrol version. I don't get where people are coming from that it's EV's that are expensive to insure.
Out of curiosity I got a quote for a Taycan, after seeing another channel say his was "uninsurable" and I got a quote of £1338.85. Fairly reasonable given the difference between mine and their car....
The problem with most politicians is they see a lot of London and all of the transport options. Then in the bigger cities that have trams and a great bus network. If you live in the countryside, public transport does not exist. We have no regular bus and living near to the county border, we can not even get to our closest large village that has the shops and pubs. So a car is needed and my EV is fantastic as I no longer need to do a 20 mile round trip to refuel. It also costs me a tenth of the previous fuel cost. But now being hit by insurance price rises is the biggest hit.
Cars have certainly increased in price over the past 2 years and this has definately affected the insurance cost as well as repair costs taking longer and parts being more expensive.
I loved the podcast being focussed on a subject and being objective.
In my 60s, never had a claim in 50years of driving. Insurance renewal went up 65%. Obviously shopped around and got it cheaper but companies are clearly profiteering. It is actively encouraging owners to drive uninsured which of course is wrong.
They change the aisles onto opposite sides so that you look both ways when you cross the road. Although there won’t be any cars to run you over !
Back in 1976 a friend of mine had a reliant robin. As soon as called friends 4 of us picked it up and moved a street away whilst he was at Tech ( if you know what that was ) we thought it was funny anyway
'What kind of 🐝s make 🥛?
BOO 🐝s' 🤣
Had to visit my local repair shop to ask about a dent on the bonnet of my Fiat 500e. The chap I was talking with told me that paint for cars has gone through the roof. My car is rose gold and he said this is a special paint and will cost £1000 per litre at least. To remove the dent prep and paint the bonnet would be more than £850 if the paint wasn't special coat. Had a paint free dent removal done for £45 and he buffed out the small scratch. This kind of price will write cars off that appear to have very minor damage.
The lack of enough battery repair workshops is probably why EVs are being written off when there is actually very little wrong with them. In Norway, which seems 5 years ahead of the UK in this, there are companies such as Elbilmek which specialises in this work. Hopefully many more such companies will spring up soon in the UK as demand grows.
Cheers guys
47:47 yes, it's deliberate because they want you ROAM around, hoping you will buy more stuff.
what you want/"feel like" vs necessities what you actually need.
so you going to supermarket, rarely/occasionally, already fed and with shopping-list is what they don't want you to do.
they ❤ frequent, distracted/confused and hungry shoppers.
Go to Skegness. It’s like being in 1995 price wise. You obviously have to be in Skegness, so you have to weigh it up.
Perfect format - chat, common sense, fun & interesting. Possibly a bit shorter?
Renewal was increased 206% recently. Shopping arround reduced that to a 63% increase. 9+ years ncd, 2 drivers in 50s, kona 64kwh. We've had more than 10 year of very cheap insurance until this year. £385 is way more than we have paid in a long, long time.
In the USA you insure the car ... regardless of driver .. often with house insurance. When I visit friends there they just give me the keys to their car and/or motorcycle. I cannot do the same for them when they visit UK.
47:50 It's to get you to buy more
Talking of mondeos, i had mondeo worth £5500, changed to hyundai ioniq £24k no cost to change on ins. Then changed to kona 64kw. No change again. By the way the annual cost is £210 , 30+ years no claims age 59.
A huge contributor to increased premiums and write offs is 1/ Guaranteed Courtesy Car ( and the “racket” surrounding that industry and it’s pricing to insurers) combined with 2/ Extended lead times for some parts to repair.
the combination of £150 a day car hire and, say, a month to get parts, means a £5k car hire bill before they start the repair, which may take another month
One reason that supermarkets move things around and stop stocking some items is to mae way for Christmas or other seasonal event goods.
Car - do I need one - yes, and no! I could manage without, by getting the supermarket to deliver what they think I want, to my house, and if I go nowhere, but just sit and watch You-tube all day. For work, no, because I've been retired for 15 years!, But - for my main hobbies, yes, most definitely, because the main focus of activity with all of them is way out in the country (nothing improper, honest!) - and without the car there is no way I could carry everything I need, including basic spare parts, on a bicycle - there is no bus or rail route anywhere near, and a taxi - ha! Not a snowflake in a bessemer furnace chance of getting one to take me - never mind come and bring me back! (The phone signal is iffy at best, anyway!) - - Supermarkets swapping stock about - that really bugs me. I have so much to spend on groceries, and when it is gone, that's it. I don't care how appealing the 'new' item is, if I don't know what it is, I don't get it, in case I don't like it - (or it doesn't like me!), and then that money it cost has been wasted. Also - swapping stock They leave things in place for a little while, so the regular customers can just go to them, then suddenly the potatoes are chinese tv dinners, or something, so the ten minute shop becomes an hour, wandering up, down, and round, trying to find the things you went for. Now, recently, I've been plagued with arthritis in a hip, which means I cannot walk very far, so having to hunt for basic groceries becomes purgatory, and I often leave without having found the item I went for, if they've been swapped round again!
I just renewed my insurance on my Zoe. Ended up finding a deal for £100 more than last year. What annoyed me the most though was the 10 mins I wasted putting my details in on Direct lines website. Ohhh we aren't on price comparison websites, we don't pay them a fee so we can get you a better deal. Yeah right...£1400 quote. 😮
I'm 40, no points, 10 year+ no claims. That didn't even include breakdown cover. I drive a slow as hell Renault Zoe! They phoned me afterwards to see if I wanted to take it up...I unpolitely declined.
Harry looks like he's had a holiday... Very envious.
I wish 😂 I really need one.
@@HarryEVM well working with the other one, must have it's challenges 😜
Car repair companies may be scamming Tesla owners with high costs
The Electric Viking
I'm with Aviva, my insurance was 1050 my renewal just came in at about 150% increase but I did make a claim, I increased my excess to 1000 which is a lot but it knocked 400 of my policy and I see it as a bet worth taking because it's the first time I've ever made a claim.
I’ve never trusted staircases… They’re always up to something! 😢😢😢
Lived in Spain and now Hungary, any driver with your permission aged 25-80 with valid licence and paid/pay around £350-£400 p.a.
As for supermarkets, a relative of mine dors the software that decides where to put what item where i. Supermarket. So you can blame him.
I do not mind what content you cover and how you do it
More importantly- when did you lose your right leg and does it affect your insurance 😉
While prices have gone up we had a lockdown for most of 2020 so didn't insurance companies make a killing due to less miles being done and less accidents? Then in the first 3 months of 2021 more lock down. I am guessing the insurance companies are using 2020 profit figures as a bench mark to justify their lower profit in 2021 and calling it 'a loss' i.e. in comparison to 2020's profit they made less so it's 'a loss'?
As you say a lot of companies are using 'inflation' as a justification to raise prices way above headline numbers because people are expecting it. Bit like fuel prices are now at £1.60 a litre and that's accepted as it's lower than £1.90! It's all about what they think they can get away with - but they are businesses out to make a profit.
I don't get why when I buy a 3 year old EV I'll have to pay £180 VED from 2025, but my current 13 year old Peugeot 1.6eHDi will continue to only cost £30. Won't stop me switching but it's still odd.
Insurance wise, I have seen an increase in policy price, but it's closer to inflation increase for me. 9+ NCD, 37 years old, 5000 miles a year.
I have a great joke for you. David Cameron has been appointed as Foreign Secretary and we also have a minister for common sense. I am waiting for a minister of oxymorons
Don't forget IPT on cars is now 20%. So win win for the Govt.
I think you’re confused, 20% only applies in some scenarios, most people will pay 12%
IMHO the insurance companies have just jumped on the bandwagon and are taking the piss because by law this is a product that you must have if you take vehicle on the road.
The government was happy before EV's got going almost everyone had to buy fuel or Diesel
The 2025 EV road tax, does anyone know if the luxury £355 extra applies to current cars or on cars bought after April 2025?
I’ve looked everywhere and no one knows.
Its on the gov.uk web page. ECS only applies to cars registered April 25 onwards
@@chriss4949 is that the luxury tax on cars over £40,000 ? I couldn’t find it.
Insurance quotes get them 25+ days before needed...
Annoy anyone in an office by turning on the caps lock when they Lock Screen and leave to go pee or get a coffee. It’s bloody infuriating.
Keep the moan format with current serious topics/annoyances.
Supermarkets change layouts for various reasons, cleanliness of displays, they need to clean under shelves regularly so need to move stock around to allow this.
Certain brands pay premiums for prime positions for a set period of time, so require changes to the layout to accommodate their spot.
Also it helps to change annoyingly to make people search for stuff, it increases the dwell time in the store, so you are distracted into buying more stuff.
😆
Its just to get people out of cars, have you not worked it out yet ? Discounts for migrants though :)