Car insurance for 19yr.old daughter

karena

Daughter has two years NCD, and was involved in a non fault accident a few months ago. Do I declare the non fault accident when I apply for quotes on line? Any one I should try, have been with Tesco who were fine but would like to get other quotes avoiding Aviva!

davetrousers

Yes, you have to.

dogbot

yes, you have to declare the claim, usualy they will record it as a non fault and so any premium increase would be neglibible - massively outweighed by the fact your daughter is a year older and has another year's NCD.

She should really be filling out the application herself. It is vital that all the information is truthful and correct.

I would follow the standard route of using several of the price comparision websites, DL, Aviva, checking cashback etc. You could also try googling young driver broker - someone like Adrian Flux will come up, and getting quotes for them too.

Quentin

dogbot wrote: »

I would follow the standard route of using several of the price comparision websites, DL, Aviva......

The OP doesn't want Aviva!

(Have you seen their latest trick - an extra (and separate) compulsory excess if you want to use your own repairer):

http://forums.moneysavingexpert.com/showthread.html?t=2105805

khiller1988

heya, try a comparison site such as confused.com and then go to some of the major ones, I personally am with churchill and went via challenge churchill.com, but worth trying direct line, post office, kwik fit etc. The comparison site will give an idea of the lower ones, and then i would try them separately directly through them as i have found they come out a bit cheaper.

Hope this helps!

dogbot

Quite correct quentin, sorry op, didn't read thoroughly enough.

If you get different prices between price comparision websites and the insurer's own website, take a moment to double check assumptions on both websites, that your answers are the same and the excesses match.

The price comparison websites stipulate in their contracts with insurers that prices must be identical though them or though their own websites, so something must be a bit different!

Astaroth

The aggregators are changing their lines now on their contracts and are actually talking about thinks like lifetime value rather than simply year 1 flat CPA deals. Think they have realised that they were unable to destroy brand loyality to the insurer and create loyality to the aggregrator -instead they have created the foreseeable highly promiscuous customers of both aggregators and insurers and have razor thin profit margins.