Car Insurance Quotes

Quentin

youtellme90 wrote: »

I was under the impression I could ring them up and change the inception date regardless of when I'd put it on the quote......

When you do quotes online you "sign" (eg by way of a tick) that the application is truthful.

If you want to "play" with quotes (eg for comparison purposes), then use dummy identities that won't affect your own personal profile at each insurer you "play" with.

InsideInsurance

youtellme90 wrote: »

I was under the impression I could ring them up and change the inception date regardless of when I'd put it on the quote. This is what I did last year anyway, quoted for 27th Dec and it was £900, quoted for 1st Jan and it was £620 - therefore I phoned up and said the £620, but wanted it to start on the 27th. They didn't seem to have a problem, so I was hoping the same might happen again.

I didn't find this to be the case before - well, it was a slightly different situation. I'd changed cars from a sensible car to a sporty one in the December.

Changing the inception date requires a new quote to be generated as it is not the identical risk details. If you do that on a different date or via a different channel to the original quote there is no reason at all that the two prices should be the same - though which is going to be higher is a different matter.

An MTA is totally different to a renewal. As an MTA you are a captured customer facing significant fees to cancel the policy. As someone coming up for renewal you are free to go anywhere and so insurers are more willing to be flexible to win your business

youtellme90

InsideInsurance wrote: »

An MTA is totally different to a renewal. As an MTA you are a captured customer facing significant fees to cancel the policy. As someone coming up for renewal you are free to go anywhere and so insurers are more willing to be flexible to win your business

Even though (in my case at least) I'd still save by paying these fees so would leave even if they don't budge? I suppose they don't look at the logic on a case by case basis, they just see the overall 'we've got you, you probably won't leave'?

InsideInsurance

youtellme90 wrote: »

Even though (in my case at least) I'd still save by paying these fees so would leave even if they don't budge? I suppose they don't look at the logic on a case by case basis, they just see the overall 'we've got you, you probably won't leave'?

MTA fees are normally lower than cancellation fees.

Looking at one policy, not Admiral, MTA is up to #25 fee where as cancellation is 60 cancellation plus LE, Breakdown, Key, PA etc are all non-refundable. This one is pro-rata refund for the premium for the main policy but many use a non-linear and so by about month 9 there is no refund due