Written on: 26/02/2011
Street car operate a 'tripwire' form of accounting and some highly questionable practises in terms of ethic if not legality.
Here is an abstract of a reply I wrote to their customer services person who was explaining away the 'rights' of the terms and conditions which, in my view, impose unfair rates of insurance and addons suhc as a £750 EXCESS - (for people who probably only use the service two ro trhee times a month - or less
OR £30 per day and a recntly discoverd fact and th subject of our correpondence: A chagre of £19.50 for 'ADminsitration Charge for handling a claim' and a Charge of £20 perday (loss of revenue for each day the acr is our of service). Checkout their website and (if you can) work out the usage rate of their vehicles, on average; my guessitemate is about 20%.
Anyway read on:
When set against the fact that the additional driver on my account has never ever used a streetcar for one second of one minute throughout the entire year (our choice) - ergo never put the car at risk - how silly was I to have ever insured the risk of attracting a £750 excess? Didn't do my sums did I. Once I had, and realising there lay ahead of me yet another year of throwing bad money after bad money, I cancelled the additional premium for the additional driver to protect against the Excess of £750 'cos it aint ever gonna happen, Bro. But it seems that Streetcar still have the legal entitlement to impose the so called 'Loss of Revenue daily charge'. And an additional charge for the administration of the claim. Both of these charges should, in my view, be adjusted across the whole membership already contributing to the basic blanket insurance policy operated by the company.
t seems to me that Streetcar has elected to cream off this 'loss' as a 'nice little earner' - symptomatic of the "Arthur Daley School of Business Management". Well, Bad Luck - it's Goodbye from Me and it's Goodbye from Her!
Luke, I suppose if I were to be strictly honest with myself, I would accept that my disgust with Streetcar should properly be focused on the disgust and embarrassment I feel for myself for being sucked in by it all: the 'touchy-feely' chatter and tone used on the front page advertising and customer interface.
Streetcar? A club for members it aint. Shame really, Streetcar had the opportunity to do something really great but ask yourself this: Has it achieved that potential and if, as I believe, it has not, then ask Why not? I would suggest that it is because the mutuality proposed in it's ethic is not delivered 'on the Street', so it's not 'street', it aint cool and it aint for us. In due course I shall be cancelling my membership but now Streetcar has our money for another twelve months, we'll have to cut our losses and make the best of it. But be assured we shall spend a cool twelve months finding a worthy replacement.