Caution - don't explore quotes too heavily

Quentin

sjreynolds143 wrote: »

Tricky when all the best prices, we are told, are online. Also tricky when they insist on name, rank and serial number before they'll even let you near the quotes.

Why is it tricky?

The advice was to use a broker to avoid falling foul of the anti fraud used to detect fraudulent online applications.

You weren't advised to buy from a broker!

The advice was designed to stop "innocents" like the OP getting blacklisted through inadvertently lying online and confirming that the lies are true

Boggles190

I would argue that even address is one you might want to modify.

I completely agree, comparing two addresses can be a completely legitimate activity. Unfortunately it is also a potential fraud indicator. In the online world of stack em high and sell em cheap, the insurer would rather run the risk of loosing a customer than taking on a fraudulent one.

Quentin

sjreynolds143 wrote: »

As I said, I've not seen this written down anywhere......

Your replies were, to be honest, rather sniffily dismissive. I'm a 50+, educated, experienced man who has plenty of experience buying insurance of all types. If I didn't know, chances are plenty of other people don't either. Please point me to where else it says that too many changes can stop you getting quotes, if it is that obvious.

PS - I would have thought that moving and buying a car at roughly the same time, especially at my son's age, would be quite common. And, again particularly at that age, affordability is key. Hence you need to know what it will be, and what it will change to.

It's written down on every website you have used to play with quotes!

You are asked to agree that you have told the truth before submitting the quote!

And you will be told this on the phone if you ring for a quote!

Search the forum for "dummy quotes" to read much more on this

Your *education" (haven't all 50 year olds who have been resident here since birth had an education?) should have taught you never to sign any agreement without understanding what you are agreeing to!

(Never a good idea to use your real name on a public forum and against MSE rules. If you have inadvertently used your real name as your forum name then you can get MSE to change it to something anonymous)

sjreynolds143

Quentin wrote: »

It's written down on every website you have used to play with quotes!

You are asked to agree that you have told the truth before submitting the quote!

And you will be told this on the phone if you ring for a quote!

Online is cheaper. If you ring, they'll even tell you that it's cheaper online! Or at least, Direct Line do. And every quote I submitted was "true" in my own mind. He lives here now, he will (very) shortly be living somewhere else. Rather impossible to get quotes if you can't put in new addresses until such time as you are actually there!

Quentin wrote: »

Search the forum for "dummy quotes" to read much more on this.

If it's that important, it should be in the guidance, don't you think? Rather than me knowing that "dummy quotes" is what I need to search for before I start?

Quentin wrote: »

Your *education" (haven't all 50 year olds who have been resident here since birth had an education?) should have taught you never to sign any agreement without understanding what you are agreeing to!

There's no need to be snarky. My original post was to help people by setting out something that I hadn't appreciated. I still maintain that many people won't know this.

Quentin

Well.....

You could consider changing the date to make the address correct

No-one is arguing online is cheaper are they?

My suggestion for you to research dummy quotes was intended to show you how this is such old news

You don't lie on paper contracts and cannot do so online either

You are the one who brought up that your education was relevant!

alfie1950

Insurance is all about statistics and the anti-fraud software will pick out cases that are possibly fraudulent based on the actual cares where fraud had been commited.
As Quentin says , every time you click 'get quote' you are confirming that all the information given is correct and truthful.
You can't expect to click , confirming something is truthful time after time if the information varies each time can you.

sjreynolds143

I don't want to drag this out any longer than necessary, but I feel compelled to repeat that that is a very simplistic view of life.

The address box wants to know where the car will be registered / insured / staying. For quotes where I am looking to price up "home", "home" is the correct and truthful statement to make. Where I am looking to price up "new home" then "new home" is the correct and truthful statement to make. For the purposes of getting a correct quote with all the valid information for that specific quote, those are entirely truthful statements.

Other people have talked about getting "dummy" quotes. They still require an address. In at least some of those, the address will be "untruthful" by your definition. It's just that "dummying" it will mask the untruthfulness to a certain degree.

BoGoF

It's even worse when it's not the policyholder answering the questions. Surprised anyone spoke to you on the phone.

Is your son incapable of sorting his own insurance?

Quentin

sjreynolds143 wrote: »

I don't want to drag this out any longer than necessary, but I feel compelled to repeat that that is a very simplistic view of life.

The address box wants to know where the car will be registered / insured / staying. For quotes where I am looking to price up "home", "home" is the correct and truthful statement to make. Where I am looking to price up "new home" then "new home" is the correct and truthful statement to make. For the purposes of getting a correct quote with all the valid information for that specific quote, those are entirely truthful statements.

Other people have talked about getting "dummy" quotes. They still require an address. In at least some of those, the address will be "untruthful" by your definition. It's just that "dummying" it will mask the untruthfulness to a certain degree.

No. You are being unrealistic.

If you input a correct address then repeat the quote but insert a different address, both with all other details the same, then it appears you are manipulating the quote to see if you can reduce the premium

Worse if you use someone else's real name then sign to say it's a true statement you are responsible for the other person getting blacklisted!

A dummy quote should contain no real unique details! That's what a dummy quote is

Earlier you were advised to do a search here for dummy quotes so you could get up to speed!

alfie1950

Why can't you just accept that insurance is about statistics and by trying different options you are alerting the software and making it think you are manipulating your details to get the best quote.
For what you need you shouldn't be using online quotes but ringing the car insurers and telling them your needs or going through a broker who has the experience to sort this for you.
You really are being totally unrealistic if you think the anti-fraud software should be able to realise that your not a cheat when it appears to it that your are.