Life /
Car insurance in Poland: where's the best place to get it? [19]
Just thought I'd drop in to give an update. Today I bought insurance for an X-Type Jag of a certain age I just treated myself to. Impressed with Harry's experience with Axa, I went to my agent. She put in my details, but AXA wanted 800-odd PLN for OC (including 150PLN glass insurance). Here's why:
Last year an old bag t-boned me as I overtook her. My insurers (Interisk) refused to pay her claim against my policy and she took them to court, where, in the face of expert opinion to the effect that her version of events was physically impossible, the judge found in her favour. The next time I paid my premium I still had my 60% NCB, so I thought all was well. Today it transpired that AXA's program saw what had happened in court and lopped 30% off my NCB. So, I stayed with Interisk, kept my 60% NCB, and paid 491PLN for OC, including 120PLN for glass insurance, so 371PLN for the basic deal. The lesson is that regardless of the rights or wrongs, if a court finds against you or your insurer, you will lose if you change firms.