Car Insurance Article Discussion

System

We found AXA and Swiftcover really good on quotes this week if it helps...

giraffejoe

My insurance is due to expire on 21st October. When should I buy again? Last year was the first time I had a car and Asda's online only insurance was cheapest and let me buy there and then for that day. Do I need to leave it until the last day again? When should I purchase? Also how do I prove my 1 years no claims (hopefully, still a month to go)?

Feel like I know absolutely nothing about this.
Thanks in advance.

m00nie

giraffejoe wrote: »

My insurance is due to expire on 21st October. When should I buy again? Last year was the first time I had a car and Asda's online only insurance was cheapest and let me buy there and then for that day. Do I need to leave it until the last day again? When should I purchase? Also how do I prove my 1 years no claims (hopefully, still a month to go)?

Feel like I know absolutely nothing about this.
Thanks in advance.

you can start looking for quotes now.... follow the insurance tips posted by martin here and find teh best/cheapest policy...

you can contact your insurer once the poilcy has ended and ask them to provide you with your no claims bonus proof. (usually though your renewal form will have it on also).

pmccann

Your pages about car insurance recommend i-kube for young drivers. The suggestion is that lower premiums are achieved because the policy discourages driving at the high risk time of day (11pm-5am).

I am trying to get insurance for my 17 year old daughter to drive a 2001 Corsa 1.0. I had been expecting to have to pay around £1000 for the first year.

The quote from i-kube £2400 was similar to quotes I had from a number of other insurers. £2400 equates to approximately 50p per mile for the stated annual mileage of 5000 miles!

I queried why anybody would chose the i-kube policy with it's restrictions when you can buy an unrestricted policy for the same money.

The lady I was talking to stated that they had recently switched insurers (i-kube are effectively a broker) and that their rates had gone up as a result.

As a result I don't think you should continue to recommend their policy. I am sure they get quite a lot of business from people using moneysavingexpert.com. Removing the recommendation might make them attempt to become competitive again.

The best quote I have had so far is £2200. I'm not going to pay that much so my daughter will not be able to drive.

Bizarrely one insurer recommended that I wait until she is 18 as it should then cost less to insure her because she will be a year older and will have had her licence for longer. I pointed out that while she will have had her full licence for months by then, she will not have driven since passing her test because she can't get insured. Surely she is less of a risk driving unaccompanied for the first time immediately after passing her test than she will be after nine months of not driving.

Planeshift

Quick question about changing insurers.

I was involved in a minor accident back in April, really minor and no damage to either vehicle or injuries. However the person I bumped into saw an opportunity for making money and made a claim for personal injury. I informed my insurer of my case - supplying photos and witness statements, and they agreed that the claim was rubbish. However the claim is still ongoing.

As a result the price has gone up.

What will be the consequences if I change insurers at this stage with an ongoing personal injury claim against me? Will the insurance company just settle it then (prob cheaper than funding solicitors) and if so will my record have a black mark against it so to speak - making my insurance more expensive in future years?

rubbish_money_saver

I am desperate for some help, i am a 22 year old nurse and until last year i owned a N reg car and had insurance with Endsleigh at £76 a month, i then bought a Ford Ka 2002 and took up insurance with Kwik Fit paid an initial payment of around £130 and monthly payments of £97! My insurance ran out today and the renewal uote is ridiculous.

The cheapest quote i can now get is with Diamond costing £114 deposit and monthly payments of £114 how is it possible for it to increase every year, i have 4 years driving experience, with 3 years no claims, no convicitions, my car is kept on the road and not on a drive, i want comprehensive cover!

Any advice or help would be greatly appreciated, at this rate i wont be driving my car anymore and will be cycling the 22 mile journey.

blueeyez_2

rubbish_money_saver wrote: »

I am desperate for some help, i am a 22 year old nurse and until last year i owned a N reg car and had insurance with Endsleigh at £76 a month, i then bought a Ford Ka 2002 and took up insurance with Kwik Fit paid an initial payment of around £130 and monthly payments of £97! My insurance ran out today and the renewal uote is ridiculous.

The cheapest quote i can now get is with Diamond costing £114 deposit and monthly payments of £114 how is it possible for it to increase every year, i have 4 years driving experience, with 3 years no claims, no convicitions, my car is kept on the road and not on a drive, i want comprehensive cover!

Any advice or help would be greatly appreciated, at this rate i wont be driving my car anymore and will be cycling the 22 mile journey.

we've had the same problem here last year ours was £320 they sent out the renewal and wanted £498 with over the max ncd you can have most only do 9yrs ours over 20yrs, never claimed (touch wood) hubby driving for 20yrs me 8yrs my hubby asked them why out insureance gone up so much seems we aint even claimed? was told all the claims that happened this year with the snow every one has put the insureance up cause of all the money they paid out errmm that aint our fault we never claimed but seems like you still pay for it either way you cant win :mad: not fair when you aint even claimed makes you wonder whats all this ncd for really....

we've been playing all the companys off each other seeing if they can beat the quote most time the quote has been beat so far we've got it down to £333 make you laugh that's with the company where already with, we've had non stop phone calls for two weeks mostly the same ones trying to beat the quote from last time still got till 2nd oct till renewal seeing if we can get few more pounds befor we we have to buy, if with your quote you where getting breakdown service and it aint free then look around on the net for that you will most prob get it cheaper every little helps.

blueeyez_2

Summer01 wrote: »

We found AXA and Swiftcover really good on quotes this week if it helps...

seeing this thought ermm ok lets have a go see what the quote comes in at soo off i went

AXA first put in all infor on me and hubby clicked get quote came up cant quote due to the infor i put in click ermm... click back button to check details ok ..clicked button checked details all right click get quote same thing strange.. ok there a phone number lets ring saying something up and cant seem to get quote...

phone call said to lady i cant get a quote from your site its coming up can give me one with details she told me i cant give you one then ??? asked why was told considered too high risk :mad::mad: too high risk what you mean i said your add on line says experienced driver wanted!! well my husband got 20yrs and i got 8yrs thats experienced!! she then said it could be a number of things?? like the car you drive,where you live,job,driving experience so


driving experience 20yrs hubby 8yrs me not enough ???

20yrs ncd never clamied...

job hubby yes works for recycling company.. not good enough how dare they think that he works its a job!!!

car vauxhall mervia 06..just a family car not sports high risk car

do we own our house no rent from council yes its on an estate but so are alot of people any reason to put people down ther are good and bad everywhere even on privite estate.

just so :mad: i tryed pressing her for an answer why where considered high risk but all i got was could be a number of things as wrote above none i think are right shame on you AXA for being snobs!!!!

FTM_2

I pay about £230 a year with Direct Line and have 7 years NCD with them, they've just sent me a renewal for over £400 a year!!

I was put through to some main bod who said all insurance is going up so I told him to stick it. I've been with them on and off for over 15 year and they reward my loyalty by nearly doubling my insurance. He didn't even seem to care that I was leaving so now I'm off to search for a better quote.

Do I have to contact DL for my 7 years NCD or is this all done automatically now between insurers?

Thanks

mikey72

Shop around, use the comparison sites, use cashback sites, and move each year. It's the only way to get competetive insurance.
I'd been told Bell are good for newer drivers as well, but never used them.