Car Insurance Article Discussion

jaxs

Hubby's insurance was up for renewal on the 21 January and I decided to hunt round for a better quote. I got one through a brokers that was about £100 cheaper but it was with a company I didn't really know, so I asked Privilege if they'd do a price match. They said they wouldn't but would do a £50 price match for new customers. Hubby had been with them for years so I asked why they aim all the special deals at new customers, but do nothing to keep the old customers happy. The guys answer was 'our prices are low enough'. Obviously not the case as I could save £100 by going elsewhere.

Anyway, out of curiousity I decided to go on Privilege's web site and just see what that threw up. How shocked was I!!!! The exact same cover that my hubby had was £182 cheaper than their renewal notice. Rang them back but they still wouldn't match that price as it was an 'internet only application price', so I cancelled his renewal and took out the same policy but as a new customer.

I think that is just madness - I know companies want new customers, but surely keeping the existing ones is also important??

My insurance (also with Privilege) is up for renewal in March and I intend to do the same again. Fingers crossed I can get nearly £200 off as well.

northern_cynic

My car insurance is due for renewal, and I was quoted £280. I used the screenscrapers to get other quotes, and the best one was £251. I then phoned my current insurer and challenged them to beat it, and they reduced their quote to £247 in order to keep my business! Just goes to show. One thing I would say is to be aware that when you start getting online quotes, you inevitably end up with insurers phoning you (as you have to give a contact number), but if you can handle this then it's worth doing as Martin suggests. When I clicked through to MoneyExpert to try and get cashback, they started phoning me while I was still online! Bit of a pain.

SarahEG

I am new to the forum but have been receiving Martin's emails for a while now. I just wanted to say a big THANKYOU for his recent advice on car insurance. My renewal notice just came through at £383.00 and through following Martin's advice I found a quote for £279.07 and will be hopefully getting £50 cashback for booking through moneysupermarket.
I have exactly the same cover, excess and benefits that I do with my current insurer but I have saved £154.00 by following Martin's advice. Thankyou.

nellsbells

hi guys
last week my car was parked legally outside in a residentual area
(no other cars)
when a lady smashed into it I was not in it I was working in a house
at the time she knocked on the house door and admitted she had ran
into my car because see couldn't see out of the windscreen because
it was damp. We exchanged details I phoned police to confirm she was
who she said she was and had insurance (3rd party AA) she has since got
her car mended mine is waiting the death penatly or reprive.
Damage to mine new headlight, wing and dumper £1080.11 to repair
Now my car a Saxo is not worth that but is/ was in goodnick
If Directline kill my car I lose my job (selfemplyed) nearest bus stop 7miles
£15 taxifare each way, I have no money to pay the difference bwteen worth
and replacement
My son cannot get to college(15miles away) or to partime job(20miles away)
My normal garage confirm my car will last 18mths or so with little or no work
done on it, has regualar service things like : timing belt ,clutch, c/h gaset,wheel
cylinders ns and os driveshafts ,pads and dics all oils and filters have all been done recently .
failed last years mot on a bulb failure.
now some people turn their noses up and sneer at older cars but people can
only buy what they can afford not what they want but alot of these people seem to
forget their plush newer car isn't theirs too the final finance payment is made !! mine
was all mine from the day I bought it and now though no fault of my own my car
and my and mysons lifes appear to be in the hands of diretlines computer saying
yah or nah.
My own garage say the repair to mine should be more in the region of £360 ish
all in with a something markert orother wing bolted on (they have seen the damage)
but directline said maindealer have to do work the quote off £1080.oo is from a
landrover maindealer
sorry for long post im just so upset and worried sick and angry that some womens
reckless driving can cause me all this worry

gaz_mc

changed my car, insurance ran out on old car same day as trade in..... result on that no cancellation fee. Trawled around comparison site big difference between top and bottom of scale. £managed to get insurance down from £400 ish to £129 with cash back included. Also motor bike insurance due up in month and have managed to get fully comp cover with money back off special promotion with the company and then cash back through quid co. total overall cost when cash backs recieved etc . (the bike is 1000 cc fully comp and amazing £11.60
:T :beer:

flyingflea

Just a heads up. I've just had a look at my credit report and it is covered in "ROYAL & SUN ALLIANCE INSURANCE PLC" credit checks (30 in total). Turns out every time I used confused.com to get a quote, I got a credit check from them each time. For those who don't know what that means, banks, credit card companies,phone companies, insurance companies or anyone associated with money might have alarm bells ringing when they see so many credit checks carried out in a short space of time (as they may think I having been going mad applying for lots of credit) and thus refuse to approve me for a credit card / bank account / good interest rate etc etc.

So just bare that in mind if you use confused.com and tinker bits to see if something makes a difference to your insurance or to see how much insurance is on a new car you're thinking of buying.

I also noticed that Churchill did this, not sure if any of the other car insurance comparison sites do this.

robrymond

I was quouted £677 3rd party with Quinn for a Ford Fiesta P reg, 1.3. I changed my current insurance over to that car from a 1.2 Clio N reg and my insurance was £578 this year, so it has gone up £100.

Endsleigh are quouting £578 fully comp, but I want to be able to drive other cars like I could with Quinn. I'm 20, so am I allowed?

giggles_alot

robrymond wrote: »

I was quouted £677 3rd party with Quinn for a Ford Fiesta P reg, 1.3. I changed my current insurance over to that car from a 1.2 Clio N reg and my insurance was £578 this year, so it has gone up £100.

Endsleigh are quouting £578 fully comp, but I want to be able to drive other cars like I could with Quinn. I'm 20, so am I allowed?

Are you sure you dont need to be 25 to drive other cars? i have always found that to the case when i have asked

robrymond

Quinn Direct seem to be the only company that let you. Gutted because I like driving my girlfriends, mums, dads cars

Oblivion

What I find incredible is the vast range of quotes obtainable online for exactly the same set of information.

I've just checked on CompareTheMarket.com to see if the renewal quote I've just received for my Honda Jazz is reasonable. After submitting all our details (my wife is a named driver too) the website came back with quotes from 54 different companies.

They ranged from £154 (The AA) through to £406 :eek: (HSBC)!

25 quotes were for varying sums below £200, and 29 quotes for varying sums above £200. It's simply crazy that there should be so much variation.

Dave.