Not all the clowns are in the circus

Because the Halifax saw fit to sit on my money for over a week, I was late paying my bills, most of which go out around the 15th.

As soon as I got my wedge, I put it all onto my pre pay credit card (a useful thing for bankrupts to have). Once the funds cleared in this case, next day I set about paying some bills.

A priority was to pay my car insurance. I explained that I am setting up a bank account, but would like to offer a one off payment by credit card.

Checking details, the operator noted I was now unemployed. "That's a change in your circumstances and increases your premium by £ 36.00" she said coldly.

Confronted by such stupidity I told her that was the most appalling example of screwing the punter I've ever seen. Sensing my anger she went on to inform me that if I was unhappy about that and wished to cancel my policy, there would be a surcharge of £ 45.00.

Apparently, "Giro Kings" are a higher risk. I tried to reason that as I am on the dole, I am doing fewer miles per year and therefore in my opinion, should be a lower risk and therefore enjoy a lower premium. She was having none of it.

I am rarely rude to these call centre operators, but I saw this as yet another example of kicking someone when they are down, but incensed by the actions of Kwik Fit Insurance, I told her they would kiss my inwiped arsed before I renewed my policy next year.

I spoke to my brother later, who was in insurance for ten years and he agreed that this is the biggest load of bollocks he has ever heard.

I think it is fairly obvious, that despite hollow claims like "the customer is king", these organisations are interested in one thing. The pursuit of the buck, which they will take from the punter by fair means or foul.

Oh, to add insult to injury, when I had paide over my increased premium, the bitch tried to sell me home insurance !

So the TV commercial says "You can't get better than a Kwik Fit fitter..." I beg to differ.