Car Insurance Renewal - £557!

yorksrabbit

Sorry Lara, but. . .

They're insuring against risk.

And any assessment of risk has to include the driver's track record.

Failing to keep an insurer up to date with motoring (and any criminal convictions, too) is a sure-fire way to wind up in deepest doo-dah should a claim ever have to be made on a policy.

In a nutshell: non-disclosure, inadvertent or wilful, can result in an insurer refusing to pay out a penny because the risk they *thought* they were covering has changed during the period of cover.

Best thing is to look on the bright side, because if you'd been involved in an accident and your insurer thought you hadn't kept them fully informed -- that being a specific condition of contract between insured and insurer -- you might now be looking at a bill vastly in excess of the £249.50p surcharge. . .

And face the possibility of the company declining to renew your insurance, which opens up an even bigger can of worms.

Hope you get something sorted out.

**kym**

£45 cashback for esure if you go through quidco.

lisyloo

£45 cashback for esure if you go through quidco.

If you are buying esure anyway then go for it.
But don't buy a policy on the basis of cashback.
Esure and Sheilas wheels (related?) have had issues paying out.

Great if you can get it, but bear in mind that it's not a guarantee.

lara400

Right - finally some good news in the day (if you call it that). I did a final comaparision on "comparethemarket.com" and a company called "firstinsurance" (also called Ladybird insurance) came up on top and asked for £473. first instinct that I thought was - "who the hell are they?". Anyway, after feeling like Admiral had robbed me of £250 I just wanted to the cheapest no matter what they have to offer.

Turns out they were better than esure in what they offer and the price. I got the following:

1. The guy waivered the £12 charge if I pay by credit card (Admiral didn't last year!)
2. The guy also said oluntary excess is £350 but I wanted it lowered so he asked his team lead and he said for the same total price we can give you excess for £300 (sounds good to me).
3. He added legal cover on a discount for me.
4. Total I paid was £496

esure did not even have legal cover and the excess was higher. Thought I got a good deal here.

Still angry at the £250 I have to pay to Admiral - can't win them all I suppose!

missile

Well done Lara! You will have to put the £250 down to experience. You should always disclose points etc to insurerers. If you have an accident most insurers demand a copy of your license and if they find you failed to disclose, you would have been in a very difficult situation. Perhaps you can console yourself with that knowledge?

I hope you will feel more confident haggling in future?

yorksrabbit

Sorted -- well done!

dacouch

I wonder what the compulsory excess was

ijgreer

As dacouch said, voluntary excess means !!!!!! all.

Its the total excess you want.

Voluntary excess is £300 but your compulsory could be £200 = £500 total!