Early in the evening on the last October day, a deadline set down by the law, even the largest insurance companies updated their web sites with calculators or an overview of compulsory contractual insurance (PZP). Last year, they also took their time doing this. A client has two weeks to compare prices and conditions and choose insurance that is most suitable for his/her car. And wait for a cheque. Last year, this was another trick played by some insurance companies. They sent cheques at the last moment, so in the event of discontent the timely delivery of a notice was complicated. In two weeks we will see whether insurance companies have opted for this way of keeping clients. In combination with a new law, this is one of the cheapest ways to keep customers. In the event that a client fails to deliver a notice in time, the law imposes the obligation to enter into a new contract with the original insurance company.
Some agents therefore advise their clients to give notice anyway, in the worst-case scenario they can place insurance with the same insurance company again. Moreover, the threat of notice also results in discounts at some insurance companies. Though the discounts are not included in price lists, they can be arranged at individual branches under the title commercial or director’s bonus. It depends only on the insurance company again whether it is willing to provide discounts to some clients. However, some of them are against such a procedure. “We never agreed to dumping, even when we lost a part of our clientele as a result,” asserted Antonín Nekvinda, Director General of Česká poisťovňa – Slovensko.
The times when it was sufficient to opt for the cheapest offer are definitely over. The price lists have become more complicated. And the make of car has ceased to be the base according to which insurance premium prices are set. Logically, the dangerousness of a car largely depends on the driver.
Tags: Car