Cheap Car Insurance Article Discussion

Quentin

Get them to confirm (to your satisfaction) the money they say you owe.

If it is correct (albeit they are asking you late for some of it), then you do owe the money, and all you can hope for is a goodwill gesture from them regarding the poor service/admin you aren't happy with.

EliteGilly

Hi all! I'm doing an extended project on black box car insurance technology and I would really appreciate it if any of you could find the time to complete my survey below. Thanks in advance!

www
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(Please remove the '()'s as appropriate and put on 1 line. I cannot post any links as I'm a new member)

BlueVanMan

Hi,
I have a decision to make. My insurance is up for renewal at end of the month but I am not 25 years old for another 3 weeks. I will have 3 years NCD, the car is 12 year old. I am worried I'll not be able to drive ANY car on my new insurance, plus it'll be a higher quote, excess etc. as I will be applying as a 24 year old.
I have been told by a company that this is all taken into account but they are hardly the most honest bunch

I have though about taking temp cover for the 3 weeks but any advice would be welcome.
Cheers v much!

sambro

....Cheaper Car Insurance....

Already started getting quotes, when I decided to look on money saving expert .

Went through the steps reccommended , tweaked my job title which now actually better describes my job.

Got car insurance down initially from £360 to £312 before searching this site.

Managed to get my renewal quote down to £135.55 with cashback incuded.

But then continued the steps and got my quote to £136.05 without having to worry about recieving the cashback.

:j

thankfulW

angelcakes_smw wrote: »

Insurance is an absolute joke!! I've had enough of all this crap now and if I didnt need a car to get to work then I wouldnt bother keeping it.

I ran quotes last month just to see what we would potentially be looking at, I thought the prices then were ridiculous but compared to now, boy was I wrong! My renewal is due at the end of March so I have no officially started getting 'real' quotes. I have been driving for 2 years, have 2 years no claims, now live in an area which doesnt resemble an up and coming war zone, have done my pass plus, what's the deal?!

I have used Martin's new guide and I am still unable to get insurance any less than £1219.88 for the year 0.o I checked every single site he listed as well as some extras that arent listed. The three companies that came up top the most often were Diamond, Bell and Elephant. All three had a slightly different price to the next which I find amazing as they are all quite clearly part of the same company. Also, after checking 9 different comparison sites, inputting the same information each time I have never once ended up with the same price from any of these companies. How can they even do this? Does this not just prove they make figures up dependant upon how they feel at that particular time?? My quotes ranged from the above figure of £1219.88 to £1505.02 with the same company, same car, same driver, same details all round entered on the same day within a couple of hours of each other.....how can this vary so much??

I thought that perhaps it might be better if I traded my current car in and got a smaller one just for work so I ran a quote on quite a few 1.2L cars and they all came out at more expensive than my big family car! What?!?! How?!? I think the industry is a farce and it really makes me want to boycot the whole thing. Of course, being a law abiding citizen all round I am unable to do this...but it is tempting!

Wow! sorry to hear that...what about if you got an old banger!!:o

thankfulW

BlueVanMan wrote: »

Hi,
I have a decision to make. My insurance is up for renewal at end of the month but I am not 25 years old for another 3 weeks. I will have 3 years NCD, the car is 12 year old. I am worried I'll not be able to drive ANY car on my new insurance, plus it'll be a higher quote, excess etc. as I will be applying as a 24 year old.
I have been told by a company that this is all taken into account but they are hardly the most honest bunch

I have though about taking temp cover for the 3 weeks but any advice would be welcome.
Cheers v much!

Sorry, dont know about this, but you may find you get more replies/ more people take a look if you post it as a new thread, if not sure how, do ask-seems a friendly board, people v.helpul.

Isis_Black

wow trying to renew my car insurance, i changed from being a student to a housewife and quotes instantly shot up by over £100!!!!! !!!!!!!!

also reduced my milage and from commuting to social and domestic.

nothing else has changed yet why this huge increase??!! atm its £413 with a company called Chaucer (i think) not gone for anything yet as still looking

mikey72

Isis_Black wrote: »

wow trying to renew my car insurance, i changed from being a student to a housewife and quotes instantly shot up by over £100!!!!! !!!!!!!!

also reduced my milage and from commuting to social and domestic.

nothing else has changed yet why this huge increase??!! atm its £413 with a company called Chaucer (i think) not gone for anything yet as still looking

I'd keep commuting on. It normally costs nothing, but if you change mid policy, you get stung with a premium increase, and a mid term charge.
Check the milage as well, quite often it has no effect if you make it more, sometime the price even goes down as well.

Shop around though, that makes the most difference, and use a cash back site.

insanitysaver

I signed up online for a policy with The Green Insurance company two years ago via a price comparison website without incident. No claims were made during the term.

I recently contacted them about one week before the end of term to request not to renew since i was going to a new company.

During the phone conversation they claimed i had not disclosed 6 points that were on my license at the time of signing up and told me i owed an "additional premium".

I contested this over the phone and they have since involved a debt collection company.

My position is that i fully believe i filled out the form correctly. I had no motive to do otherwise since any claim would have then been void.

The site states that incorrect information may lead to an invalid policy, nothing to do with extra premiums.

My further argument is that any claims would have been refused therefore how can i be charged more at the end of term when i effectively wasnt covered anyway?

I cannot find any online or hardcopy documentation; it was exactly at the same time as i was moving house. Things were chaotic and if they sent paperwork it may have been lost.

My questions are -

Are they allowed to demand this extra premium?

How should i proceed?

Thankyou

Parking_Trouble

Rayla wrote: »

I'll tell you why all your insurance premiums are so high - I am currently being "sued" for whiplash claim by 5 young men who hit my car - on purpose - 18 months ago and they have just decided they all have whiplash! My insurance company - Direct Line - are quite happy to pay them out between £10,000 - £15,000 EACH plus £5,000 - £8,000 EACH SOLICITOR. They do not seem to be taking our part as Policyholder or refuting this fraudulent claim. It is cheaper for them to accept it, it seems, than fight it, so this will go on and on whilst the fraudsters are allowed to get away with daylight robbery, they will. Needless to say my insurance premium has gone through the roof after losing my NCD! WHERE IS THE JUSTICE?!
NOTE TO ALL - DO NOT USE DIRECT LINE
I am thinking of reporting this to Watchdog

Most insurers are just the same. Typically they won't fight your case for you because it will just cost more money.
Easier to pay up and cover it by upping the cost of premiums.

Soft tissue injuries are impossible to prove or disprove so it opens the door for unscrupulous "victims", medics, credit hire co's and solicitors. It is a very lucrative line of business which extracts further "taxes" from innocent policy holders.