Re-apply don't renew car insurance

ambrosjo

Tip - I don't know whether this has been put up before.
It's re-applying for car insurance with the same company.
I got a car insurance renewal notice which was a huge increase over the previous year (as ever).
I apllied for a new policy on line for exactly the same car & cover with the same company, and got it cheaper than the previous year.
Once that was all in place, I had to ring up the same company to tell them I wouldn't be renewing last year's policy !!! Wierd.
Worth a try.

forgotmyname

I guess you have not read ANY of the links above your post?

Some companies only allow that lower quote for new customers and your already a customer so it may not apply.

Most will though. But worth checking.

Gets expensive if you have to cance then take out another policy.

Vin2300

I kind of asked this in another thread, but nobody came up with a definitive answer, (my long rambling post probably put people off!), but i wonder how thie situation described above would work with two companies within the same group?

If i tell Admiral i am not renewing, but then go sign up online with Elephant (and get myself some cashback), do they have any right to cancel my policy at a later date?

As far as i am concerened, I will be a new Elephant customer and entitled to the new customer price. But is there any chance they will say different? I personally think if they are giving out quotes under different brands they have to be prepared for this.

Has anyone got any experience of this?

forgotmyname

Do the terms say does not apply to existing customers?

Or does not apply to customers within the main brand?

somnus

Vin2300 wrote: »

I kind of asked this in another thread, but nobody came up with a definitive answer, (my long rambling post probably put people off!), but i wonder how thie situation described above would work with two companies within the same group?

If i tell Admiral i am not renewing, but then go sign up online with Elephant (and get myself some cashback), do they have any right to cancel my policy at a later date?

As far as i am concerened, I will be a new Elephant customer and entitled to the new customer price. But is there any chance they will say different? I personally think if they are giving out quotes under different brands they have to be prepared for this.

Has anyone got any experience of this?

I understand this doesn't include cashback, but in the last three years I have been with Admiral/Elephant. I was with Elephant and then switched to Admiral for a cheaper premium, but the following year I was about to switch back again but instead I just rang Admiral to ask if they'd match the Elephant quote (saving me the hassle of moving to a 'new' provider). They pulled up the quote and did so instantly. The quote was a new customer quote.

Parking_Trouble

somnus wrote: »

I understand this doesn't include cashback, but in the last three years I have been with Admiral/Elephant. I was with Elephant and then switched to Admiral for a cheaper premium, but the following year I was about to switch back again but instead I just rang Admiral to ask if they'd match the Elephant quote (saving me the hassle of moving to a 'new' provider). They pulled up the quote and did so instantly. The quote was a new customer quote.

As far as I can see there is no real difference between the Admiral Group companies - Admiral/Diamond/Elephant/Bell. Same bunch of sales people on the end of the phone no matter which one you think you have called. Same T&Cs and policies pretty much.

A successful, profitable and aggressive business model. Doesn't stop them smelling though.

RobertoMoir

Parking_Trouble wrote: »

As far as I can see there is no real difference between the Admiral Group companies - Admiral/Diamond/Elephant/Bell. Same bunch of sales people on the end of the phone no matter which one you think you have called. Same T&Cs and policies pretty much.

A successful, profitable and aggressive business model. Doesn't stop them smelling though.

It's just market segmentation. I don't think it's any different to Tesco & Sainsbury's and the like having a "value" and a "taste the difference" label.

Parking_Trouble

There is no material difference between the offerings as I see it, certainly not as wide as Tesco Value v. Tesco Finest

Why give the impression that you are dealing with different companies I think the illusion of choice is misleading.

Why not call them Admiral Cheapest, Admiral Mediocre and Admiral Ordinary if they really think there is a difference worth calling out?

nikanika0

I got renewal letter from Tesco in Aug., for 3rd party theft and fire, plus written that my policy will not be automatically renewed, so I should call them.
Instead of renewing I decided to buy policy as a new business. Comprehensive for the same money! On the policy letter is written: new business.
Because I have not renewed they sent me proof of NC, then the dep for new customers wanted me to prove NC, I did just ring them and no problem so far.