YorkshireMartin":hgg4o0fg said:
Insurance of all types - The comparison sites seemed to have made it easier for many insurance types, until you realise that you pay a fair old premium, pardon the pun, above the policy price for the privilege of using them. The coverage of varies so wildly that it can't usually be compared, requires wading through 100's of pages just to find out what you're actually covered for, which in some cases is very little, if anything.
I've consistently found that I get a better deal off the comparison sites than I do either getting a quote from the website of the same insurer or calling up and asking for a quote - the problem is that the comparison site quote sometimes conveniently misses out some things to make the quote cheaper ("Oh, you wanted a zero voluntary excess? Sorry, we have you down here for £500"). My experience is that I get the best deal by getting a quote on Confused (using CompareTheMarket only encourages them to make more meerkat advertising) and then calling up the insurer in question, getting a quote, and then asking why it's higher than the one you got through Confused. Half the time they'll match it, but for your specified policy details.
Which largely just leads me to think that insurance sales overcharge by a huge amount on a regular basis.
The problem with shopping for insurers for me hasn't so much been finding a good price as finding an insurer who aren't a pack of lying, cheating cretins (I know, I know). We insured my partner's car with "Quote Me Happy" a couple of years ago, and when she got into an accident it transpired that when you called up to make a claim, their 24-hour claims line was only 24-hour for checking the status of your claim and you had to call during office hours (at the time quite difficult for both of us) to make a new claim. And when you called up to check the status of your claim, their 24-hour claims line was only 24-hour for making new claims, and if you wanted to check the status of the claim you had to call up during office hours...
(I've had much less trouble buying motorcycle insurance - but then, I've also never had to claim on it, so maybe I just haven't noticed yet.)
Estate agents seconded - in one case when we last moved we had an agent almost refusing to pass an offer on to the seller because they were so sure it wasn't going to be accepted; I had to threaten to drive around and make the offer in person before they capitulated. In selling my own house I had it on the market for the required three months with the first agent with only a couple of viewings, then put it on the market with a second, got a viewing the first day from a family who went on to buy it and remarked when they got there "Oh, you have a [...] sign out the front as well? We asked them for houses exactly like this in this area - it perfectly matches our criteria - and they didn't show us this one... have you only just signed up with them?" Then the first agent threatened to sue me because I'd sold my house through a second agent after the exclusivity period had elapsed and our contract stipulated that I could do exactly that, because they were adamant that I had to give them several months' notice that weren't mentioned in the contract at all.
Curiously the thing we've had the most trouble buying recently is an oven. All the showrooms in the vicinity basically had the same four models on display (that fit our cavity), absolutely none of the staff - not even in the usually-excellent John Lewis - could tell us anything useful about any of them, one guy in Homebase gushed for far longer than was comfortable about a brand that a quick search on the Internet revealed has an average lifetime of five months before falling apart or catching fire (CDA? Something like that), and none of the various online retailers would actually tell you how tall or wide the interior space of the oven is, as if that's a trifling detail that nobody should care about! Consumer reviews in this area seem to be completely and utterly useless, with about 50% of people seemingly buying an oven for decoration ("Two stars because the catalogue made it look like the glass is dark but the glass isn't dark and I can see inside the oven from the outside. Oh, I guess it works OK."), and the other 50% completely clueless as to what an oven is and how it works (seriously, we saw one review for the one we have which claimed that it wasn't even a fan oven (despite the obvious fan grill in the back, the fact that it's marketed as a fan oven and the fact that you can hear and see the fan start up when you turn it on. I'd think hers was broken but she didn't mention it, you know,
not cooking things).
In the end we had to take out a trial subscription to
Which to read their oven reviews, and we were still left buying an oven half on the basis that we could return it if it turned up and the interior space wasn't large enough. After reading the Which reviews my partner still keeps leaving our kitchen thermometer in the oven to check how accurate the temperature settings are, despite the fact that we have no idea how accurate the kitchen thermometer is.