Car Insurance and Cashback - Help!! What am I doing wrong?

XdaydreamerX

I am about to renew my car insurance, and have used the method to cut costs as described on this site - ie using the comparisson sites then looking for cashback....
I found a good deal with Hastings via GoCOmpare for £243.08 with no vol excess and £100 compulsary. When paying monthly (which I have to do as I'd never afford a one off payment, nor do I have a low rate/no rate credit card) it comes to almost £270, but with the cashback of £61 advertised on Quidco I'd be paying £210 approx.
SO....when I clear cookies then go via Quidco to buy the Hastings policy, using the exact same details and requirements, it's coming up at approx £300 spread over the year FOR THE SAME COVER! Once I factor in the cashback (which'd take 3 - 4 months) I'd be paying nearly the same £240 ish as if I'd gone through GoCompare without cashback.

Has anyone else had any probs like this, or does anyone know what I may be doing wrong, because I'm at a complete loss as to what to do....I have a few days to sort this out so need help. Any help at all would be very much appreciated!

Thanks.

Quentin

You found one of the catches with quidco!

Mr_K

Think I've seen other posts saying Hastings automatically increase their quote via a cashback site, to cover the cashback (!) Which makes going through a cashback site a bit pointless, you might as well get the money off upfront.

Nearly went with them this year, as they were cheapest, till I read other peoples reviews, stay clear. They also exclude a lot (legal expenses, personal injury, protected ncb, breakdown) to make their initial quote cheap. Decided to pay a bit more and stay with Prudential.