car insurance help!

atlas12345

hi
i had a look to see if this has been discussed before so sorry if it has.

i am looking for insurance for an old runaround (post divorce and i dont have ncb as insurance was in wife's name). my problem is that i had a look at quotes 2 days ago before buying the car.
then again yesterday and today.
using teh comparison sites teh lowest was 648 2 day ago, 704 yesterady and over 800 today. why are the prices going up every day???
what can i do to get the original quote (which at the time seemed high...) and has now expired?
if i carry on trying every day is there any chance it will drop again?

thanks for any help.

david39

If you keep returning on a daily basis to the same insurance company's site and checking the price, it will increase.

The site puts a "cookie" onto your computer hard drive giving details of the price and date quoted. When you go back to the site, it checks to see if there is one of it's cookies and, if so, will quote a higher price than last time because the main reason people return to a quote is to take it up - so they add a bit more on because most people can't be bothered to start shopping around again.

Next time you want to visit the site, clear your cookie folder beforehand - Look in Tools (top right of this page), Internet Options, Browsing History, Delete. This will make it look like a new enquiry and you should get your original price (or something near it).

This applies to many types of online sellers who work in low-margin categories, especially insurance and travel companies and it applies if you approach them through price comparison sites. Always clear your cookie folder before returning to a holiday company as well.

dogbot

Most quotes will be valid for at least 30 days. The issue might be if you are changing the inception date of the policy - IPT goes up at the same time as VAT on 4/1. In addition, insurers put rate changes live anything from monthly (those dependent on third part software houses - i.e. trading via brokers) or even daily/real time for direct insurers. Obtaining a quote with inception date either side of a major cut off date could see the price change.

The prices for motor insurance are rising at the moment and this shows little sign of stopping, although rises have slowed down a bit. Buy sooner rather than later - prices won't be going down any time soon, not with claims costs still rising at an alarming rate - with VAT going up that will only get worse.