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Originally posted by FONTAL
I was paying around £400 but it went up to over £500 when I moved across the road (a two lane road).
Young driver (under 25) and a bad driving history.
Fontal

... and presumably your age/history and mods were the reasons it was £400 to start with? Going up £100 for just crossing the road is ridiculous and you should have kicked up a storm. Get the name of the person you spoke to, ask for their supervisor. Get their name, explain the unreasonableness of it and tell them your not wearing it. Speak to the manager etc etc... Don't lose your cool or be offensive, just say you'll take the complaint to the Insurance Ombudsman. They'll see sense, 'cause it'll cost them most time, money and hassle to respond to a formal complaint.

However, I have heard of some insurance schemes, such as those operated by Adrian Flux (who specialise in performance and modified cars) and they tell you upfront that it'll cost you a MINIMUM £X to get a duplicate certificate, £Y for a cover-note and £Z for a mid-term policy endorsement etc etc. There's not much profit margin in these high risk schemes, and maybe that's why they are a little more strict with charges than most mainstream insurance companies.

DBK.