Car Insurance Article Discussion

Steve_xx

rehmana wrote: »

Hi Guys

I have a question and I think its wort investigating further. I recently applied via a comparison website for car insurance. The insurance was about £500. I then, just because I was curios, applied again but this time removed the 6 years NCB and the figure was £800 (ish). Apparently 6 years is supposed to give me 75% off but surely that means it should be less that £200 ... or am I missing something?
I'd be intrigued to know if anyone knows the answer or has done similar checks as I get the feeling this is industry wide (based on the results I saw).

Thanks

What's the furnitureocean link at the bottom of your last post about?

rizla01

Just taken out insurance with AVIVA.

with £70 quiddie thats £122.00 pa.(2 litre GT SE Primera).

Now, I shouldn't tell you this but I upped from TpF&T to Comp - No increase.

Upped the Excess to £500 to get cost down - STILL No Difference So I thought Hmm.

Quietly now -
So I knocked the excess down to the minimum £150 to see what difference it made and Guess what?

Yup - NO DIFFERENCE!!!

Natbag

rizla01 wrote: »

Just taken out insurance with AVIVA.

with £70 quiddie thats £122.00 pa.(2 litre GT SE Primera).

Now, I shouldn't tell you this but I upped from TpF&T to Comp - No increase.

Upped the Excess to £500 to get cost down - STILL No Difference So I thought Hmm.

Quietly now -
So I knocked the excess down to the minimum £150 to see what difference it made and Guess what?

Yup - NO DIFFERENCE!!!

I've known many quotes to come out cheaper on a comprehensive level than third party or third party, fire and theft. Not sure why exactly, I only have my theories!
Often on a low premium and/or with drivers with a clean history there will be only a tiny difference in cost by increasing or decreasing your excess, or none at all with some insurers.
Always worth comparing though as it does differ person to person and company to company

rizla01

But I have NEVER seen the excess amount make no difference?

Natbag

rizla01 wrote: »

But I have NEVER seen the excess amount make no difference?

True, it usually makes a difference of at least a few pounds or pence. Wonder if the website was updating correctly. Or maybe the insurer decided there was no more risk involved and was happy to charge the same - it may be they normally quote on a lower XS and if the price is good there may be no further savings for increasing it?

riggie

My car insurance went up by 30% this year, they all quote the bad winter, young drivers, etc, etc. I have just bought AVIVA insurance as it did work out cheaper with the 12 weeks free deal, I didnt get the Quidco saving as the online form would not complete for some reason. I have tried all the online insurance, comparison sites, everything and AVIVA is the cheapest with the 12 weeks free, I saved £160. Also you can change your policy online without charges so if you know your changing cars or additional drivers soon this is ideal for you.
Just a warning about the cheap car insurance companies, especially on the compare websites such as " More Th>n " these have India based call centres so avoid unless you speak India. Some cheaper insurance companies are not based in this country so be careful.
The main reason for your insurance premiums going up this year is the claims for personal injury this is now the growing market fuelled by the Insurance industry itself !
So the people who are stealing from you is the insurance companies your dealing with ! Come on rip-off Britian!!!!!!
Bye the way I think the AVIVA deal is only on to the 14th May but I could be wrong.
Also the relay breakdown cover is cheap and they use the RAC.

5derbys

Been checking some insurance sites over the last week as want a new car but only if I can afford it. Currently have a 2000 reg golf 1.6 and pay nearly 700 pounds! This is the most I have paid in years. I'm 29 and have 11 years NCB. My last car before this was a Golf 2.0 GTI 16v and I only payed £450 a year for that (2 years ago, admittedly I lived in a better postcode too). Anyway, I have been receiving quotes of around 900-1000 pounds for another GTI golf. That was until I added my partner to the insurance. She is 33 and only has a provisional licence. With ADMIRAL my quote was originally £879, but with my learner driver it dropped to £574 !!!! A LEARNER....IN A GTI!!
Its a funny old game.

Quentin

Beware her passing her test. When she does you are bound to inform your insurer, when the premium will go up, with an increase being requested for the remainder of the policy year. (Do some virtual quotes on line to see the difference in premium between her on a provisional v a full licence.

5derbys

Quentin wrote: »

Beware her passing her test. When she does you are bound to inform your insurer, when the premium will go up, with an increase being requested for the remainder of the policy year. (Do some virtual quotes on line to see the difference in premium between her on a provisional v a full licence.

She has had a provisional for 10 years and never had a lesson and no real intention either. I might let her sit in the drivers seat with the engine running once a month just to keep the insurance compay happy

mallygp

Just had our renewal through for a policy I have with my daughter on who drives the car. Car is a cheap Pug 106 Auto. Purchased for £400 last year. Current value probably still around £400

Renewal is £498 Fully Comp. Not Bad

I phoned them anyway just as I wanted to query her exess which is £250 compulsary and £500 voluntry.

I spoke to a young girl and gave her a possible scenario

"Daughter Drives home and crashes the car into my wall causing damage to the car.

We put a claim in and the car is written off. Insurance value the car at £400. With our excess of £250 + compulsary £500 would that mean we would owe Admiral money"

Simple question and the answer I was looking for was no. To which I was going to reply with " then whats the point of a Fully Comp policy. Can I change to to 3rd party only"

The answer I got was yes you would owe us money. Laughable!

She even put me through to the claims department so I could get a 100% confirmation on my question. After telling the same story to her she said no the claim would not happen but the insurance would go up after the accident.

I said, "well if it did happen, I would not tell the insurance company, Keep my £250 excess and £500 compulsary and buy another car with it. My insurance would stay the same and I would be in pocket. lol."

Outcome: I told them I would not be renewing with them as I am sure I can get a better quote from someone who knows what they are talking about.

She said "if you do phone back as we can match it"

This response always infuriates me as I mentioned as they were my insurance company I would hope they would be giving me their best price. If not then surely they are trying to rip me off"

My Public Liability insurance covers me up to 2 million pounds and covers me for a hell of alot more than these car insurance policies will ever do. Also its cheaper.

Rip of Britain.