Car insurance companies using cookies to dupe me?

voyagerman

I had an email back from Compare Market.

In a nutshell they have said there is nothing they can do.

"Unfortunately we do not have any influence over whether the quotes can be returned or the prices shown on our website as they are set by the insurer"

Any ideas?

PersianCatLady

voyagerman wrote: »

Well I had to post this..
I don't want to give out too much info on here as god knows who's looking, but I do have a DR10 from motorbike (I have learned my lesson now).

I retsrated Firefox, cleared cookies and cache, maybe they are still using my IP address.... Because a DE10 should not be insulting me as much as this?!


(edit can't post link as new user - but it's a screen grab saying it's going to be between £5,500 and £23,500 to insure on a 1.9l 2001 3 series.

There is the problem the insurers know that you have got a DR10 and are rating you for having it accordingly whether you enter it or not.


Why would you try and get insurance without declaring the DR10 anyway because if you have it, it has to be declared.

Stealth07

I would love to see that list!

Am compiling a similar one as am about to sit my test and get some wheels. Only the minefield that is cheap motors and crazy insurance costs holding me back..

Nothing some repetitive quotations cant dent tho :beer:

Stealth07

forgotmyname wrote: »

Recently bought my little one a car and i sat there with the autotrader site open and put virtually every car that looked suitable. within a few miles from here.

The only change was the cars reg. Obviously looking to see whats cheap to insure and what is not. No other changes. After a while a car came up unable to quote, tried a few more and the same thing. I did another quote with a car that i had already tried and the same result.

They had banned me from getting quotes.

I contacted them and they did unblock me without any hassle when i said its a new car for a first time driver and the insurance price is more important than the actual car. They just said 50 quotes in less than an hour was rather excessive.

Im like a machine with repeated tasks, how long does it take to scroll down a car on the autrader site and read the reg them pop it into the comparison?
Get the price write it down and then click back and then to the autotrader box again.

Obviously less than a minute. So 50 is not excessive to me, I have another 100 pages of cars to view

I would love to see that list!

Am compiling a similar one as am about to sit my test and get some wheels. Only the minefield that is cheap motors and crazy insurance costs holding me back..

Nothing some repetitive quotations cant dent tho :beer:

ThinkingOutLoud_2

Clearly insurers are updating what they want to charge those with convictions all the time and these are not recent articles. But they provide a sobering (sic) view of how premiums will be loaded for various misdemeanours.

http://www.dailymail.co.uk/news/article-2285100/How-driving-convictions-add-insurance-Premiums-double-drink-drivers.html
Of course, not everything you read in the Daily Mail should be accepted verbatim.

http://www.telegraph.co.uk/motoring/9915616/Another-pint-Thatll-be-50000.html

But I suspect however the Op got his cheaper quote - the likelihood is he is going to see a much higher premium than he wants. There are some specialist insurance providers that may be worth talking to such as https://www.highgear.co.uk/convicted-drivers-insurance-dr10.htm - more come up in Google...

And this may become useful as the points "expire" - http://www.telegraph.co.uk/cars/advice/how-long-do-points-stay-on-your-driving-licence/

ThinkingOutLoud_2

Blocking from endless quoting is common.

Many insurers have built in mechanisms to make it hard for competitors or others to easily run automated or even manually entered many quote scenarios. These may use same IP address / same device or even details and so on to detect such behaviour, as they did for you.

The way they calculate their rating is fiercely competitive and if one insurer can know how another does that - they can either copy or copy at £1 less so they list higher. They don't even need to know why the rate is set to rate better /fractionally cheaper.

As you only change one rating criteria - the car - the output would as you saw be telling another insurer which cars their competitor thought were good or bad news.

But of course it would be good to know which cars are well regarded if you wanted to enjoy economic motoring...there is quite lot of press about this kind of thing though. e.g.

http://www.autoexpress.co.uk/best-cars/insurance-policy/85261/cheapest-cars-insure

EdGasket

Quentin wrote: »

Dummy quotes shouldn't come back to bite

They used to work but I recently tried a dummy quote with similar details to my real details and the quote was 3 times more expensive. I had no problem however visiting MoneySupermarket many times to get quotes; they didn't go up; don't know why they would??

forgotmyname

Stealth07 wrote: »

I would love to see that list!

Am compiling a similar one as am about to sit my test and get some wheels. Only the minefield that is cheap motors and crazy insurance costs holding me back..

Nothing some repetitive quotations cant dent tho :beer:

You really need to do every car, 2 seemingly identical cars can have different quotes. Right after passing sub 1000cc cars were cheap now cars around the 1300cc area are cheaper.

But a 1600cc Kalos was cheaper than a 1300cc Fiesta, But the 142 engined fiesta from 2006 onwards was cheaper than that.
But KA's were the cheapest now. But you need to watch the model and how old it is, older = more expensive.

Its hard work....