Does car insurance increase the more quotes you look out for?

KbUser

nottsphil said:

It could be that the latest quote is more expensive because you are now almost at the renewal date. Insurers consider last-minuters to be a higher risk (maybe because commencing journeys at the last minute is more likely to result in them speeding/taking more risk?).
Difficult to say if this might be the cause because we Imhave no idea if the £150 increase is 10% or double. 

The quotes at first I was getting were 450-550 and now it is 700ish minimum and some with crazy excess. So that anti fraud system seems like true. 

Grumpy_chap

What is the time-gap between £500 quotes and £700 quotes?
I initially though this was all in a matter of hours, so that would indicate the fraud alert.
If there were days or weeks between the quotes, that is to be expected - quotes are cheapest around 3 weeks ahead and rise as the renewal date gets near.

KbUser

Grumpy_chap said:

What is the time-gap between £500 quotes and £700 quotes?
I initially though this was all in a matter of hours, so that would indicate the fraud alert.
If there were days or weeks between the quotes, that is to be expected - quotes are cheapest around 3 weeks ahead and rise as the renewal date gets near.

It was between around two and half hours 

MalMonroe

KbUser said:

nottsphil said:

It could be that the latest quote is more expensive because you are now almost at the renewal date. Insurers consider last-minuters to be a higher risk (maybe because commencing journeys at the last minute is more likely to result in them speeding/taking more risk?).
Difficult to say if this might be the cause because we Imhave no idea if the £150 increase is 10% or double. 

The quotes at first I was getting were 450-550 and now it is 700ish minimum and some with crazy excess. So that anti fraud system seems like true. 

How old is your dad and who is quoting those figures? £450 is extortionate enough in my opinion. I turned 70 last year and my fully comp policy, after a bit of haggling, cost me £178 with a low excess figure. I thought I'd done well but was quite miffed when my younger brother told me that his fully comp policy cost him £145 with £250 free excess from GoCompare. 

The haggling I did was with the company I'd insured with the previous year, and they sliced £72 off their renewal cost. It's well worth a phone call and a haggle. I was happy anyway.

Just wait a couple of days and then use a comparison site you haven't used before. You can usually suggest your own excess and then they adjust the premiums accordingly and you can adjust again, etc. There is SOME room for manipulation but you have to be very careful not to mess with facts. 

A_Lert

Price varies hugely by location, so you really can't compare to someone else unless you live in the same street.

To OP. Avoid Hastings. They have been reported as actually cancelling policies because people got quotes on incorrect details, even though they took out the policy giving fully correct information!

Sandtree

nottsphil said:

It could be that the latest quote is more expensive because you are now almost at the renewal date. Insurers consider last-minuters to be a higher risk (maybe because commencing journeys at the last minute is more likely to result in them speeding/taking more risk?).

Mass market consumer products are not priced from a claims perspective on "consideration" but on statistical analysis... if they show a worse claims experience for late buyers they dont attempt to rationalise it simply apply the appropriate percentage uplift that they see in the claims experience.

Secondly, insurance is not based on risk premium alone but there are also commercial considerations like customer behaviour... someone quoting weeks in advance has plenty of time to phone around, play people off each other etc and get the best price so quote well to start with. A potential customer who's existing policy lapses in 2 hours time simply doesnt have the time to be that thorough and so will be less price sensitive so quote them higher.

As to the OP, it sounds like you have triggered counter fraud measures, there are some fields that are particularly sensitive to this either because insurers know people are manipulative or because they should be immutable - you legally must have continuous insurance and no one would SORN a vehicle for 3 days so changing your requested inception date when you state you already own the car is a big red flag (same as removing/adding incidents etc)

[Deleted User]

Safest way to play around with quotes like this is to not use your real details, just pick the car model/age and generic details like a different address in your neighbourhood until you get the best quote then use the correct details and see what comes up. Playing around with a job title could trigger fraud depending on how you word it and how the jobs are seen - security guard vs night watchman for example

qsk

Deleted_User said:

Safest way to play around with quotes like this is to not use your real details, just pick the car model/age and generic details like a different address in your neighbourhood until you get the best quote then use the correct details and see what comes up. 

Hope you are not in my neighborhood!  

dunstonh

Quote records are typically kept for upto 30 days.   If you wait a month, the price increases will drop away.  Clearing cookies can help.

[Deleted User]

Find the cheap one you want. Call them and tell them you want it but can't get back to it online now, so can you buy it over the phone.