I had until this year a full-risk Dacia Duster wit...

I had until this year a full-risk Dacia Duster with a franchise of 200 euros for which I paid 629 euros per year. He was supposed to have all the bonuses.

I had the renovation at the beginning of January, like every year and even there "good".

Due to fuel consumption, passive safety and change of family and housing situation, with which an SUV was impractical for some months that I intended to sell it, which happened at the end of January when I had the opportunity to buy a VW New Beetle TDI of 90cv in perfect condition. A less powerful car (15cv less) and infinitely safer.

There begins the messing. I call to change the car of the policy and the first thing they tell me is that at all risk they do not assure me because the VW is over 8 years old and "not worth it".

I get so many hits and difficulties for all risk (you wait, premium shot, expert opinion, etc), I say it is worth it, to put me a third party plus. At least that way, I save something.

I supposed (for simulations and other offers of other companies) that I was going to stay in half or less ... but no, they tell me that they make a refund for difference of paid insurance ..... of 137 euros, the premium being 492! (for a third party plus, remember).

I get pissed off, I tell you that that is total usury and that it is inadmissible. They tell me that if I am not happy, nobody forces me to contract with them, that they leave me the policy in suspension for up to 5 years, but that not a euro of the 619 that they had already charged is returned.

Once you have paid, you have nowhere to grab and I had to swallow. But I warned them that they had just lost a client and that they would see if it compensated them to nail you for a year so as not to see your hair again in life.

The funniest thing is that on October 24, they give me the renewal price (for once they meet by reporting 2 months in advance), and just in case 492 seemed "little" to me, they want to put me 534 without having given one part! (remember, Third Party Plus) A rise of 8.53% "because yes".

I call to tell me how to unsubscribe and pass me with retentions, where they ask me why I want to go. I summarize the story and ask if they seem few reasons and there we enter the largest piece of bullshit that have ever told me:




4th Who understands that 534 for a Third Party Plus is quite high, but "each car and driver is a different case" (ahh! Now everything is personalized even if it is a "mutual"!)
5th That in compensation, I was offered an Amazon gift voucher worth 100 (I tell you that you can put the check where it fits)
6th He asks me a few moments to talk to his coordinator, and after a while he tells me that they offer me an Amazon check of 250! "Because you are a very good driver and your file with us is faultless" (And it would not be easier to deduct 250 from the premium? "No, that is impossible").



Some mercachifles, speculators and candies with all the letters. The new insurance, reputed company and with more coverage (lighthouses, for example): 358.

KTDN, Mutual!