Showing posts with label INSURANCE. Show all posts
Showing posts with label INSURANCE. Show all posts

Tuesday, September 08, 2009

Washing machine blues


A while ago our dishwasher packed in.

And in getting it going again, I managed to spin out a blog post. I have of course now lost it, but as a consequence of chatting with an engineer at the sharp end, I learned a few things, one of which was cold water washes may save on the water heating, but may not be that great on enviROI due to pipes getting bunged up through hot water not scouring them .

Well, it has happened again, and I am faced with a a similar dilemma on the price, if not principle of insurance.

Tricky. Stuart, the engineer, says it is a good model with loads of life in it, so I am tempted to keep on. But it is really a bet with the actuaries. 3 more years and I could buy a brand new one on the annual fee. Not a Miele, of course, but still...

Anyhoo, a few tips to pass on. All as a result of that rather nasty collection in the picture.

First up, change is very bad. Do try and ensure you do not leave any in. Thanks to the boys we did end up with enough for a pint, but it could have been at major cost. If the coin does not slide to the trap and gets wedged... major.

The other tip is as a result of the main blockage culprit, namely cord ties.

It is well worth putting any garment with flappy bits in a net bag first. Saves the bits being ripped off and the resulting strands starting a healthy bung.

Friday, January 09, 2009

Beating the crunch

Sadly, not the credit crunch this time:(

However, in the spirit of 'it's good to share', and my last car-borne outing had a relatively happy outcome (our re-engined Golf doing sterling work as we speak... long may it continue to do so), let's try again.

Monday was, according to the Daily Telegraph, 'the most stressful day of the year.' Well, yes, I could get around to accepting that.

For this was the day my tropics-trained missus met black ice for the first time, and that's one postbox that won't be taking mail for a wee while.

Now it was an incredibly slow impact, as even the airbags didn't go off.

And, though it really... really looks worse in the picture, after a quick gander my hopes were raised.

Sure, all the crumple zones had done what they were meant to, but as far as I could gather, beyond the front, bonnet and a few important bits of engine that bore the brunt, it was all in one piece. And nothing major bent any further back.

Sadly, this seems not enough to be worth saving to the counters of beans at my insurers. I guess the cost of mending came in above the cost of slipping us the road value and, well, money talks.

So again I am presented with a series of dilemmas that span the whole gamut from enviro to eco.. nomic.

Take the money and get a replacement? If so, maybe an existing LPG? Or try and 'save' it. I am not sure what one can do, but assuming they give me the write-off value I can still 'buy' it from them and then try and fix it. But... is it worth it?

Another journey is embraked upon which I'll share....

UPDATE

The plot thick... well, goes further downhill.

It really is not worth trying to save. It can be fixed, but to do so would take something like £5k, and that's to end up with a car 'worth' £1300 (according to the nice man from Norwich Union - I then had to spend all day yesterday 'proving' it was worth more, and ended up in some bizarre Marrakesh-market haggle. Not what I expected from a top insurer).

I am now on the trail of some dual/bifuels, and they do seem to be like hen's teeth. Especially at the budget I have set. A further 'complication' is that having chatted with a few garages they seem to think getting a factory-fitted option is much safer to a retro-fitted kit version, and that reduces things a lot more. So far all I am seeing is a few Volvos.

The hunt continues....

Tuesday, September 09, 2008

PROF'S POSER - Where's an actuary when you need one?

The other day these bits of paper arrived.

At first I was going to bin them, but then I had a read, and as a consequence of that called up the sender.

You see, our washing machine is at last 10 years old. Still doing a sterling job, bar a few hiccups year on year that have been resolved.

Thing is, I don't recall ever seeing such an insurance before, so they must n=know what they are doing.

The deal is not cheap, coming in at well over £100 a year. But the up side is tempting. They either fix it if...when it dies, or give us a new one.

Now, my main aim is environmental (no, really) in that I like the notion of repair if at all possible (lord knows what the enviROI on a call-out is), but I was also wondering about the numbers.

Being that a new one is around £2-300, does it make any sense to take out such a policy at this stage?

Saturday, February 24, 2007

What's green and has nothing to do with fixing a car?

Green travel off to a flying start

While whacking a fir in the firmament is the method du jour to attract
the tiny minority of well-informed Radio 4 listeners and even, it seems,
middle England to buying anything Climate Guilt-free, I was wondering
if there were any policies that addressed reduction of waste within the
automotive industry, and especially in the areas of reduction, reuse,
repair and recycling? Things like fixing stuff instead of just replacing.

I am aware of instances where this would be possible, and would
seem to confer more relevant benefits to the planet.