Car insurance comparison

iamana1ias

DomTom wrote: »

okay thanks for the clarification, i wasnt sure if that £400 excess applied to the policy holder or not as it said that the compulsory excess was £150, it didnt say it was voluntary

admiral only has a compulsory excess of £250, so while it is in fact more expensive as a policy it is much cheaper should i have an accident.

Don't forget that you need to add the voluntary excess to your compulsory.

Excess rules will apply to all drivers.

DomTom

no voluntary excess for admiral, not even an option to raise that!

iamana1ias

Are you sure? It's usually on the last page of the quote (along with legal cover etc).

You've not done it through a comparison site and taken the figures from the list, have you?

iamana1ias

I've just done an admiral quote and the last screen gives the voluntary excess options. you can choose anything from £0 to £1000. (left hand side, under the price, along with options over bonus protection and level of cover)

DomTom

honestly lol, i can't change it

the same applies for elephant.co.uk

perhaps due to it being TPFT?

DomTom

Voluntary Excess:
£0
Excess table:

Age of the driver in charge at time of the accident
Compulsory Voluntary Total

Less than 21 years
£250 + £0 = £250

note: this is edited as the table doesn't work in the forum

DomTom

i did a quote with endsleigh who only want £430, although having dealt with them last time i wasn't impressed (they paid out on a contents claim, but took 3 months to do so)

they're excess is only £100 (compuslory), £0 voluntary


also, anyone know of any cashback to be had with these companies?

iamana1ias

Ah right. Yes, that would be why. You can't claim for any damage to your car so there's no damage excess (normally compulsory plus voluntary). You'll just have a F&T excess.

Never heard of any of them doing cashback. And I don't know of any company that gives driving other cars on a TPF&T policy.

mbrijun

Hi,

I am a happy customer of National Farmers Union car insurance - give them a go, especially if you live in rural area. Had a no-fault accident recently, the experience was much better than with Direct line. Another plus - their APR is 2.8% for direct debit payments - compare that with 20%+ of some other insurers, after the first year honeymoon is over.

mattymoo

mbrijun wrote: »

Hi,

I am a happy customer of National Farmers Union car insurance - give them a go, especially if you live in rural area. Had a no-fault accident recently, the experience was much better than with Direct line. Another plus - their APR is 2.8% for direct debit payments - compare that with 20%+ of some other insurers, after the first year honeymoon is over.

Er - you didn't really read the thread did you. See post 1.

On the other hand OP, I would try laying it on a bit thick with NFU. If you've been happy with their service (they do have a good rep), and level of cover. Explain you would really like to stay with them but cannot ignore the better deals to be had with other reputable insurers. Ask them directly to reward your loyalty with a better price.

Most insurers would simply say no but if there is one firm this could work with, I'd wager it's NFU.