my insurance has shockingly increased

race09

hi all,

i have been with quinn direct for the past few years and every year they have reduced my premium until this year which i had a big surprise from them

my first year was 2250
2nd, 900
3rd, 500
4th, 380

5th ( this year) 1550

it is almost as if they have ignored all my ncbs despite having no claims or ....


i did a quick search on go compare and the best quote i had for third party and theft plus ncb protection was 670 from first insurance which i think are broker.

i was quoted 750 from admiral and elephent.
i did look at confused.com, moneysupermarket, compare the market and top cashback all of which returned a higher price than go compare


i am here to ask if there is anything else that i should do to find out if my premium is going to decrease

my insurance is due for renewal on 16th June so quite a while but my questions are


1. is there a specific date that if you apply for insurance it will be cheaper?

2. i have advanced the start date on the websites to 16th, would this impact the premium ? so if i do it closer to the time is it likely to be cheaper or is it going to change depending on the month and ..,?


3. are first insurance, admiral and elephent for their admin fees and ..? i don't want to get insuranced with one of those rip off insurers such as mce which i am using for my bike( they are reseller and not matter what, they always try to make money out of you) they charge £40 for change of license type of anything else, that is £40 + the insurer premium

baster*s

Thanks all

dacouch

Anyone would be better than Quinn

race09

you say that but they were really good up until now

when i moved home, they were reasonable on charges and sometime even refund some money as a result of the change
quinn direct used to insure a temp car as often as required free of charge and if you suspended your policy you would get refund for every 28 days the policy not used

with mce, they no matter what try to rip you off and ask for money and i don't think you will be ever entitled to any refund from them

they for instance charged me 550 and when i got so mad with them to cancel it they said, the premium collected was 380 and the rest was their admin fee and breakdown cover ....

so they were giving me 202 back after 2 month of using the policy, in another word £350 charge for 2 month insurance, mother****rs


what iam trying to avoid is to go to another broker like them , is first insrucance the same? and also don't want to pay admin fee for every single changes

thanks once again

dunstonh

4th, 380

5th ( this year) 1550

A jump like that suggests something has changed. This will either be something from you (employment, points on licence, house move etc) or it could be that they have changed their views and pricing on risk (which could be that they have re-rated your postcode or they dont want to take on so much business with younger drivers or your type of car or they have too much coverage in your area etc).

what iam trying to avoid is to go to another broker like them , is first insrucance the same? and also don't want to pay admin fee for every single changes

Which suggests you have made changes. So, comparing previous years premiums may not be like for like.

Remember that the companies that do not have admin charges tend to have higher premiums. You need to balance out which is likely to be best based on your expectations of change over the next 12 months.

race09

well i had two address changed which in the first case they charged and the 2nd one free of charge as there were no extra charge

i have also had few times put my other car as temp on the policy but nothing else like points , claims or ....

the triple doesn't make much sence. after speaking to them they said their best is 1010 which is still high

does it matter which date of the month you take insurance out ?

thanks

eca_

What are you driving / how old are you?

I'm guessing its fast and you're young from those prices.

I halved my insurance by going to a classic car insurer even though my car is a 1998 model and isn't really a classic (£850 on admiral which was the best after a long search to £420 on adrian flux).

Try fiddling with the options too - i have a locked carpark which I use but its actually cheaper to park on the street insurance wise.

race09

i am 24 with 5 year ncb

i have a group 6 insurance which is a 1.6 car ( cheap)

i also have a 220 bhp 2.8 litter car with insurance group of 18

i am currenlty using the 1.6 and want to insure that

i will try the garage thing

thanks

anniecave

Only downside with Admiral et al is if you have a total loss claim then they you can't transfer the policy to another car for the remainder of the policy term, you just lose the remaining part of the policy. There's another thread on this forum about that.

I did a quick look on Admiral's website and I can't see what they charge for policy amendments.

*Scarlett

It might be that Quinn now rate your postcode / age group / occupation, etc as a a higher risk.

It probably won't be any cheaper to wait until closer to the renewal date but if you have saved your earlier quotes you should be able to use them (check insurer's t&c's for time frame, etc) if you still want to shop around.

Try some quotes for fully comprehensive as well - depending on your circumstances it can work out better value.

race09

eca_ wrote: »

What are you driving / how old are you?

I'm guessing its fast and you're young from those prices.

I halved my insurance by going to a classic car insurer even though my car is a 1998 model and isn't really a classic (£850 on admiral which was the best after a long search to £420 on adrian flux).

Try fiddling with the options too - i have a locked carpark which I use but its actually cheaper to park on the street insurance wise.

oh that is interesting, i will give them a try,

what else does someone should do apart from getting quotes from comparison websites? would a direct quote be cheaper?( i doubt it)

*Scarlett

There's no harm in getting quotes directly from insurers - lots aren't on the comparison websites.

You can also ring any that you are interested in to enquire about the policy or negotiate a further discount - they want your business after all.

What is your occupation? Sometimes if you select a certain job it will increase the premium. Try quotes with alternative descriptions to your occupation / employers business (but don't be tempted to actually deceive about this).