wow £120 Quidco & £50 m&s voucher with Zurich

swady256

I have put through my two policies however specified for them to start later on the 9th of march, but when I printed out the summary it has started it today - anyone else has this problem?

rrwfotr

evosy1978 wrote:

hello all

can someone tell me what is the terms if take out my policies with zurich now to claim 120 through quidco. and then when i have recieved my money from quidco, cancel both policies and take them out again with another high rate through quidco.

could you possibly keep doing this providing there is no cancellation charge.

thanks in advance

Insurance companies are not fools they usally charge highy penalty charges for policy cancellation outside the 14 day grace period after the policy is taken out. This sort of action(s) may also be considered as fraud read the t&s fully.

Ex-Spendaholic

Can someone advise on my best course of action please? Have been getting quotes as follows:

Car Insurance £380 £120 Quidco M&S £50 Current insurer £450
Contents £159 £120 Quidco M&S £50 Current insurer £350
Buildings £142 £120 Quidco M&S £50 included above

This would mean I would be buying everything for £681 and getting £510 back so effectively £171 it would cost me not to mention I would be saving £119 on what I normally pay so in effect if everything went as planned I would be ensuring my house and car for £52! :j :j Considering I've had 2 claims on motor insurance in the past 3 years and a claim a year ago when I wrecked my laptop, these are good prices.

So what do I do next?

The car insurance is due for renewal 3 March. Do I:

Buy the policy now with a start date of 3 March?
Buy the policy now with an immediate start date?

The house insurance is due for renewal on 1 May. I currently pay monthly by DD. Is it possible to cancel this? If not do I start this policy now and let the other one die naturally or do I buy the insurance now with a start date of 1 May.

Obviously my main aim here is to get the £120 cashback on all 3 policies plus the M&S vouchers.

A big big thank you to Deanos :T :T for this thread because without it I'd be none of the wiser.

yus786

Ex-Spendaholic wrote:

Can someone advise on my best course of action please? Have been getting quotes as follows:

Car Insurance £380 £120 Quidco M&S £50 Current insurer £450
Contents £159 £120 Quidco M&S £50 Current insurer £350
Buildings £142 £120 Quidco M&S £50 included above

This would mean I would be buying everything for £681 and getting £510 back so effectively £171 it would cost me not to mention I would be saving £119 on what I normally pay so in effect if everything went as planned I would be ensuring my house and car for £52! :j :j Considering I've had 2 claims on motor insurance in the past 3 years and a claim a year ago when I wrecked my laptop, these are good prices.

So what do I do next?

The car insurance is due for renewal 3 March. Do I:

Buy the policy now with a start date of 3 March?
Buy the policy now with an immediate start date?

The house insurance is due for renewal on 1 May. I currently pay monthly by DD. Is it possible to cancel this? If not do I start this policy now and let the other one die naturally or do I buy the insurance now with a start date of 1 May.

Obviously my main aim here is to get the £120 cashback on all 3 policies plus the M&S vouchers.

A big big thank you to Deanos :T :T for this thread because without it I'd be none of the wiser.

Ditto to that - thanks Deanos ....

My insurance (Home and COntent) finished on March 4th but i started mine with Zurich on 28th Feb. I mean 4/5 days won't break the bank - plus i'm making loads anyway...

My only concern is Quidco paying up. It has tracked OK and shows a payment date of March but if i don't get the £240 plus £100 M&S - i would end up paying more for my insurance. Then again i have no reason to doubt Quidco as it works fine for everyone else ..

Milky_Mocha

This would be great for me if it works as I already have home insurance with them and now need to renew 2 cars' insurance.

However the link to Zurich via Quidco doesn't seem to work for me :-(
I'll leave it for a few minutes and try again.

Optimist

How long after buying the insurance does it take to track ?

yus786

Optimist wrote:

How long after buying the insurance does it take to track ?

Took mine out at 19.00 and it tracked just after 23.00 the same evening

maemaesmummy

The only problems with leaving an existing policy running and incepting a new one is this:

No claims bonus can only be used once hence if existing policy due May and left running when Zurich call existing insurer to confirm will be told policy current and therefore NCD will not apply

Also in my experience if you have 2 policies current for the same thing ie contents & you need to make a claim (insurers then check database and will find 2 policies for same thing) then knowing Insurance Companies they will get into who is paying for the claim... and generally both repudiate on grounds of dual insurance.

Worth knowing just in case!

deanos

Its simple you get the new policy to start the day after the old one ends so you do not have an overlap as they start/end at midnight , and no problems with NCD either, agreed its too risky to have them 2 policys running together

Sunshine_and_Roses

My partners car insurance is due to expire in mid March. Can I take advantage of this offer to start on 28 February and then cancel the exisiting one? He has maximum no claims bonus so I dont want him to lose these.

Also I have been trying to get a quote, one I fill in the personal details page I cannot find a button to submit these. Can anyone advise?

I have phoned Zurich and they have given me an online quote price of just under £190. This is about £10 less than my renewal quote, but not much good if I cannot get through the personal details page to get cashback! I will try again tomorrow I think and see if I get any more luck.

BTW - the lady on the phone said that the M&S voucher is generated automatically, so there should be no problems for anyone with this.