Quindi ho appena ricevuto il rinnovo da Zurich per l’assicurazione sulla casa. Prima di chiedere all’autorità di regolamentazione, qualcuno ha visto di recente qualcosa di simile a quanto sopra in cui sembra che se paghi con DD il tuo premio potrebbe essere più alto l’anno prossimo?
Nei momenti difficili e per le persone che spesso non hanno la possibilità di pagare tutto in anticipo, lo trovo assolutamente disgustoso. Se paghi paghi, perché essere penalizzato per la modalità di pagamento.
Tieni presente che hai già una commissione elevata di circa il 20% sull’opzione DD e ho notato che anche Zurich ha aumentato la franchigia in modo significativo, il che si aggiungerebbe a ulteriori costi se dovessi presentare un reclamo.
Ironia della sorte eh, paghi l’assicurazione per essere coperto per poi pagare di più se richiedi, in franchigia inizialmente, poi un caricamento di 50€ per 4/5 anni dopo. cioè hai avuto un sinistro negli ultimi 4 anni? A mio avviso, una volta risolto un reclamo, dovrebbe essere CHIUSO.
Semplicemente fregano tutti apertamente… li disprezzo.
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di Extra-Ad8572
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That’s crazy. Literally just a punishment for paying in instalments. And at a time when people are struggling so much. Disgraceful.
EDIT: People are missing the issue op is highlighting. It’s not about paying extra for his insurance because he pays in instalments. They are saying if you pay in instalments this year, your renewal for next year will be higher as a result.
Paid mine in one shot last week and never got the confirmation email, had to call them up to get confirmation I was actually covered for the year
Yep, it’s always been this way and it’s a scummy practice. No different to people paying their road tax for 3 months at a time, you get charged more pro rata. Or those who can’t afford to have a certain balance in their bank accounts being charged higher fees.
They prey on those who can’t afford to pay upfront.
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I think people are missing the point here. It’s not that it’s more to pay monthly than in one go (that’s often the case with many annual things), its the fact that paying monthly this time makes your premium more NEXT time. I think that’s the point that the OP is making.
This is appalling. They’re effectively penalising you for paying through DD at the renewal.
This appears to be very unfair and contrary to consumer protection law. You should refer it to the insurance ombudsperson FSPO and the CCPC.
I think there’s some ambiguous language here.
Direct debits sometimes generate a service or interest charge – fair enough
The language is indicating that paying by direct debit is also seen as a risk factor and may affect your actual premium. As in a person who pays by dd is more likely to claim therefore increase the premium. Is that legal? Probably yes, it’s non discriminatory but it would be a pretty bizarre risk factor. But that’s insurance, logic doesn’t always apply
When you purchase an insurance policy, you typically have two main payment options: annual (yearly) or monthly installments.
The Annual Payment Advantage
If you choose to pay the full annual premium upfront, the total cost is generally lower. Here’s why:
• Investment Income: By receiving the entire premium at once, the insurance company can immediately invest that lump sum. The interest or returns they earn on this money helps offset their administrative and operational costs, allowing them to offer you a discount on the base premium.
• Reduced Administration: Processing one large annual transaction is simpler and less costly than handling 10 or 12 individual monthly payments. These savings are often passed on to the customer.
The Cost of Monthly Installments
If you opt to pay via monthly installments (often over 10 months), the total amount you pay over the year will be higher than the annual premium.
• It’s a Loan: The insurance company is essentially extending you a short-term loan to cover the cost of the full annual premium. You are then repaying this loan, plus interest and administrative charges, over the course of the policy period.
In summary: The difference in cost is primarily due to the investment opportunity the insurer gains from an annual payment and the cost of credit and administration associated with offering monthly payment plans.
Classic case of it being expensive to be poor
One of the car insurance companies does something similar,except for the current quote ie 600 premium or 800 premium if you want to pay in installments,with the service charge on top of the increased premium.
My renewal says cost of credit 0 and it’s direct debit over 10 months.
This happens for so many things. It’s not unusual. It’s shitty because the people who can’t afford it always end up paying more.
Yeah. I noticed this when my car insurance came through this year. Blatant rip off Ireland again.
They are cunts but their logic is, if you can’t pay the premium at once, then if something goes wrong with the car, will you be able to fix it or will you keep driving….
Presume it’s because they think if you pay in instalments you’re higher risk somehow. Lower income or whatever. Which is bollox but that’s how insurance works. I’d still be letting CCPC know