MoneySaving Poll: Are you loyal or a tart?

Former_MSE_Sam_M Former MSE Posts: 346 Forumite
Poll started 15 March 2016

Are you loyal or a tart?

When it comes to your money, loyalty doesn’t pay. The big bucks marketing spend goes on attracting new customers with deals; existing customers are often taken for granted. Then again, some stay out of ease, and because they like the service.

So are you loyal, or a tart – disloyally switching to constantly bag the best deals?

How long have you been with your current main provider for each relevant category in the poll?

Did you vote? Are you surprised at the results so far? Have your say below. To see the results from last time, click here.

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Thanks! :)



  • Lokolo
    Lokolo Forumite Posts: 20,861
    Part of the Furniture 10,000 Posts
    Seems insurance changes a lot more often.

    Poll seems a bit, pointless. I would switch TV, Phone and Broadband but whenever I go to cancel they offer me a better deal than others out there, even for new customers. I'm not staying because of ease, I am staying because they offer me a better deal.
  • Misslayed
    Misslayed Forumite, Senior Ambassador Posts: 13,338
    Eighth Anniversary 10,000 Posts Name Dropper Photogenic
    Senior Ambassador
    Me too Lokolo, I'm a proper tart, learned at the feet of the master!
    I’m a Senior Forum Ambassador and I support the Forum Team on the Competition Time, Site Feedback and Marriage, Relationships and Families boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected] All views are my own and not the official line of Money Saving Expert.
  • CupcakeSquirrel
    CupcakeSquirrel Forumite Posts: 30 Forumite
    I'm the same with insurance etc - always check on renewal, but every year they either better or are the same as other deals out there. Plus I'm happy with the very good customer service I get too, which this poll also doesn't take account of.
  • graham47
    graham47 Forumite Posts: 74
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    Agree it's somewhat pointless !
    Main account with firstdirect 20+ yrs but just switched another budgetting account to TSB.
    I'm on freesat !
    I have some CC's I've had for many years but some I've only recently taken for 0% BT.
  • pollypenny
    pollypenny Forumite Posts: 29,371
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I look like a loyalist, apart from bank and credit card, but I've negotiated deals and price matches for phones, insurances etc at every renewal.
    Member #14 of SKI-ers club

    Words, words, they're all we have to go by!.

    (Pity they are mangled by this autocorrect!)
  • Flick216
    Flick216 Forumite Posts: 8,953 Forumite
    I actually don't know who does my car and house insurance - I go through a broker I have known for many years - I just them let sort it out!
    ENFP - Assertive
    Officially in a clique of idiots
    Smoke me a kipper; I'll be back for breakfast
  • jim100uk
    jim100uk Forumite Posts: 10
    Eighth Anniversary Combo Breaker First Post Debt-free and Proud!
    As others have said. I always check but no point moving if the deal you're on is still highly competative. Been with Santander 123 for 3 years and it's still your best pick.

    Maybe a missing question is how often do you validate what you're paying for those services !:D
  • Mr5Micawber
    Mr5Micawber Forumite Posts: 12
    Seventh Anniversary 10 Posts Combo Breaker
    I agree with most of the comments - customer service is less easy to quantify and I'd rather pay a bit (to substantially) more for peace of mind.

    First Direct have been a great bank for over 20years (despite HSBC the 'parent' regularly performing badly), John Lewis home insurance is often a best buy, Direct Line have been efficient and helpful and have paid up on our rare claims, we only pay for TV through the licence fee (excellent VFM IMHO - all those radio stations too), we have no choice of internet services in our (rural) location, we ask for better deals at renewal time; move savings for better interest and go for best cashback on CCs.

    So, maybe MSE readers (or at least the ones who are reading this) are pretty savvy and not everyone needs to change. MSE is my first port of call if I'm researching money matters and it has given me confidence to haggle when necessary. Thankyou Martin.
  • lisa110rry
    lisa110rry Forumite Posts: 1,794
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    I look like I'm loyal, but I'm happy with my bank which has a really good interface on mobile and iPad, and I like to watch everything in one place, though I do have investments through another bank. I live in an area where only one mobile provider works well and my car insurance is always the cheapest (reductions for civil servants and retired CSs). I stay with BT for phone and broadband so that if something goes wrong there's no one else they can blame (I've seen the fallout when they can).

    My gas/electricity supplier is a different matter. I suffered with ExtraEnergy through one 12 month contract, never again. I switched to Green Star, which were slightly more expensive as to tariff, but I reasoned that as an offshoot of a US company, they might bring US-style customer service in to the mix. So far this has been the case and I'm delighted with their provision. I am fairly seriously in debit to them at present, but in September, when my fix finishes, I calculate we'll be spot on and they have made no move to increase my monthly payments in consideration of being in debit currently, unlike the dreadful Extra Energy and my supplier before that, Scottish Power.
    “And all shall be well. And all shall be well. And all manner of things shall be exceeding well.”
    ― Julian of Norwich
    In other words, Don't Panic!
  • happyinflorida
    happyinflorida Forumite Posts: 807
    Part of the Furniture 500 Posts Combo Breaker
    I think a lot of us stay loyal to certain things due to the fact that we know from experience that changing can cause major headaches, so we stay and pay more for peace of mind - broadband provider is definitely true for this, we used to change every year but found we spent months sorting out problems - Talktalk were the worst, actually cut us off early and continued to charge us and the government appointed Ofcom sided with them as they lied through their teeth, even producing letters they claimed to have sent, which we never got and I don't believe were actually sent.
    So now we stay with a supplier who is ok rather than risk changing.
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