Bad advertising of financial products. how does it work? Does it work?

In My Humble Opinion
1

Having just watched a sheila’s wheels advert (stupid tune, a couple of ‘sheilas’ dressed in pink) I think how if I were a woman and I wanted car insurance I’d be put-off going with sheilas wheels.

I’d think that a company that thinks an irritating advert will promote their product effectively must not be overflowing with great thinkers.
Even worse are the u-switch adverts… the gospel band that make you want to put your leg through your 50-inch flatscreen TV. How can anybody possibly be encouraged to use that service if the advert is so annoying?
I can understand how unpleasant/annoying advertising can work for certain types of product (they make you more likely to remember the product) but How can bad advertising of professional services make you want to use their product??

Thinking of it is one thing, wanting to use it is another thing entirely.

The direct-line insurance adverts are the best ones out there. I use direct-line insurance and would want to from those adverts.

2

I think that the thinking behind the adverts and ads like them is to make them appear incredibly cheaply made and thus giving the impression that all costs have been cut to the bone and the savings passed onto the customers.
But thats only my guess.

Ads even worse then Sheilas I.M.O. were the old Confused.com where the bloke was shouting,(how the screen survived when was watching I’ll never know) and predating that the A.A. motor insurance selling attempts that had a caricature of a working class thicko on an empty stage saying his support of the product with much of the time being filled with silence before his equally dumb mate says something along the lines of “He means it you know”.
The thinking behind the last one totally mystified me.