best fully comp car insurance

grace2much

hi all, i've been on the compare-ni site and got a best quote from hastings direct for £316 + breakdown. Any others I should check before deciding?

PS: just thought of Hughes to try as well.....thanks in advance for any help offered

tightasaduck's

Direct Line
Aviva

Old_Git

I went with aviva via quidco .

grace2much

thanks i'll give them both a try

fivebobeach

Depends how many motors you have mate, but I've been paying £350 a year for 3 years now with Admiral Multicar, that's for myself and the missus, 2 policies, both cars fully comp, and hers for business use as a district nurse

grace2much

just one car. and thanks Ill try admiral as well and post my best deal once i get all the quotes in.....

rolo1_2

Obviously check what you are getting for your money, i.e. Excess, Protected no claims etc etc - its all in the detail........................

GBNI

Phone the companies instead of online, you get much better service that way. Try Direct Line too. They gave us a very good deal but Admiral just beat them (although we have multicar)

steveymp

Use the UK comparison site too not just the NI ones, go compare, confused . com, etc...

Get the best price then factor in Quidco. Directline were £10 cheaper for me this year but Aviva have £60 cashback on Quidco so worked out cheaper this year after cashback.

A lot depends on the car you have and who uses it for what purpose, but this year since my car is new I didn't need breakdown cover as it comes with the car for 3 years, so saved a few quid not taking that on the insurance

grace2much

Final update: Solved
I realise that there are lots of factors and everyone's situation will be different, car type, age, type of cover etc etc. So not going into all those details, but after supplying the same needs via telephone and on-line comparison sites and individual companies on line and via telephone they were all landing around the £310 price approximately.

But my current insurer broker: Mulheren from Claudy (but they have 5-10 offices spread around N Ireland) got me insured with Zurich Insurance (again) for £225 fully comp, complete with Home start, breakdown and legal expenses all included. Almost £100 of a saving. So after a 5 min phone-call with them the easy option was the best...this time anyhow:-)

Thanks again for all the advice offered it was appreciated....