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Poland car insurance: cash only?


Trevek 26 | 1,702
19 Jan 2011 #1
The end of the month approaches, as does the renewal date of the car insurance. sadly the latter gets here first.

As the car is still on HP we need to go to the salon and get the approved insurance. My wife rang them to ask if this year we could pay by credit card, as i really don't like walking in with 1000 zlots in cash.

Apparently not... not the fault of skoda... it's the insurance company rules, we are told.

Now, considering my dentist takes credit cards, why the hell can't an insurance company?
Olaf 6 | 956
19 Jan 2011 #2
the renewal date of the car insurance.

This always sucks...

really don't like walking in with 1000 zlots in cash.

What's the problem here?

we could pay

by bank transfer certainly if they are so backward with it. The date of transfer is what counts, so screw them, make them come to your place if you buy full insurance, I do that if I don't have time.
OP Trevek 26 | 1,702
19 Jan 2011 #3
I thought it was the showroom itself. When we bought the car we wanted to put down a deposit and they wouldn't take plastic...

by bank transfer certainly if they are so backward with it.

Thinking of it for the future. Still need to get the quote, though.

We contacted the main office in town and they said we had to go through the showroom.
peter_olsztyn 6 | 1,098
20 Jan 2011 #4
it's the insurance company rules

Which one?

as i really don't like walking in with 1000 zlots in cash.

Didn't they inform you (amount, deadline etc) that you can pay by bank transfer?
Harry
20 Jan 2011 #5
Am I really the only person who'd be paying this in 10 grosze coins?

I mean, I can understand them not wanting to take credit card payments, what with the credit card charges, but to insist on cash only is stupid. I'm a firm believer that people should get back what they give out, doubled.
Wroclaw Boy
20 Jan 2011 #6
Insurance companies are beneficial for two things on a consumer level:

1: legal requirement
2: you can rip them off
poland_
20 Jan 2011 #7
I thought it was the showroom itself. When we bought the car we wanted to put down a deposit and they wouldn't take plastic...

The credit card company takes a percentage for processing,between 2-4%. Car dealers and insurance resellers work on low coms, so that is the most obvious reason.

Thinking of it for the future. Still need to get the quote, though.

If you are going with another insurance company for example Warta over Hestia. You have to give notice in writing to your existing insurance company informing you are not continuing, I believe it is 14 days in advance otherwise there is a automatic continuation.
OP Trevek 26 | 1,702
20 Jan 2011 #8
Which one?

Hestia.

Didn't they inform you (amount, deadline etc) that you can pay by bank transfer?

My wife's the main holder of the insurance (it's technically her car... another annoying story) and she is usuually pretty hot on admin etc. She says she contacted the main office and they said we'd have to deal with the showroom office direct (less paperwork etc) but apparently the office nixed the transfer idea too. Must be some crossed lines somewhere.

The credit card company takes a percentage for processing,between 2-4%. Car dealers and insurance resellers work on low coms, so that is the most obvious reason.

Ah, that makes sense. Thanks.
poland_
20 Jan 2011 #9
I'm a firm believer that people should get back what they give out, doubled.

We have seen some examples of your retort on PF lol
delphiandomine 88 | 18,456
21 Jan 2011 #10
When we bought the car we wanted to put down a deposit and they wouldn't take plastic...

Sounds like they simply don't have the facilities for taking it. Nothing to do with the insurance company (if not plastic, then bank transfers would be normal) - but everything to do with the dealership being a bit dodgy.
poland_
21 Jan 2011 #11
but everything to do with the dealership being a bit dodgy.

Sorry Delph, I do not agree with you, you can't call a company dodgy just because they don't take plastic, I know many good company's that don't take plastic.
Harry
21 Jan 2011 #12
Yes, but how many do you know which won't accept bank transfers as payment?
OP Trevek 26 | 1,702
23 Jan 2011 #13
but everything to do with the dealership being a bit dodgy.

These guys are the main Skoda dealer in town. Full showroom, the lot.

re: the bank transfer, I think it's just a case of them doing the paperwork face to face and it being a bit complicated to do a transfer.
delphiandomine 88 | 18,456
23 Jan 2011 #14
These guys are the main Skoda dealer in town. Full showroom, the lot.

And they don't have a card terminal? The mind boggles... how are you supposed to pay for pricey dealer-repairs?

re: the bank transfer, I think it's just a case of them doing the paperwork face to face and it being a bit complicated to do a transfer.

To be honest, there's really no excuse in Poland for not accepting transfers - the law even considers "proof of transfer' (ie, a print out) to be proof of the transaction, so all they have to do is get you to take a printout to them!

You'd think such a business would want to avoid handling cash!


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