Do Car Drivers Switch their Insurance Providers A Lot

Marvel1

I can be each year, I check against cashback for overall price.

Then phone current provider and give the overall price I would have had it with cashback to see if they ca match or not.

Car_54 said:

David713 said:

cattom said:

I check mine each year with confused.com, and if changing saves me £25+ then I change it. if its below £25 I stay where I am. that's my srtatergy. others may do it differently.

Even if you don't change insurers, it's worth calling them up when you get the renewal details and advising them that you have found a more competitive price elsewhere and asking if they could do anything with your renewal quote.
I've done this a few times and so far they have never failed to lower the figure.

If they can lower the price, then they could have offered that price originally. That seems to me to be unethical, and treating their customers as mugs.

I don't really want to do business with such a company

No different to other service companies.

Al_Ross

With cashback included I can save £85.15, so I would be daft to stay with them.

Currently with Saga, and the new one I'm considering is Churchill, everything similar, same excess, loan car, legal cover. £51.15 cheaper plus £34 cashback.

I have never had Churchill car insurance; anyone had any problems with them

Car_54

Marvel1 said:

I can be each year, I check against cashback for overall price.

Then phone current provider and give the overall price I would have had it with cashback to see if they ca match or not.

Car_54 said:

David713 said:

cattom said:

I check mine each year with confused.com, and if changing saves me £25+ then I change it. if its below £25 I stay where I am. that's my srtatergy. others may do it differently.

Even if you don't change insurers, it's worth calling them up when you get the renewal details and advising them that you have found a more competitive price elsewhere and asking if they could do anything with your renewal quote.
I've done this a few times and so far they have never failed to lower the figure.

If they can lower the price, then they could have offered that price originally. That seems to me to be unethical, and treating their customers as mugs.

I don't really want to do business with such a company

No different to other service companies.

So that's all right then?

MovingForwards

Depends on renewal price. If it's about the same as I paid for the previous policy I stay, but then I have full NCB and my policy is just around £230py. I can get it cheaper if I want to end up with a dreadful company.

Flight3287462

Car_54 said:

If they can lower the price, then they could have offered that price originally. That seems to me to be unethical, and treating their customers as mugs.

I don't really want to do business with such a company

Why is it unethical?  They want to get the highest price possible and you want tio get the lowest price possible.  You meet somewhere in the middle.  That is how business works.

If I came to buy your secondhand car on sale at £5k and we settle on £4.5k have you been unethical?

davnav

Yes all the time, you get nothing for loyalty these days. Its all done to price 

AdrianC

davnav said:

Yes all the time, you get nothing for loyalty these days. Its all done to price 

Of course. Because the majority of customers buy on nothing but price.

So for any provider to be competitive, they have to compete on... price.

justworriedabit

Don't go for the auto renewal, I never do but if you are forgetful, that is a different story.

NaughtiusMaximus

Yes, always check each year, even in the days before it was possible to do it online I used to phone around for multiple quotes.

tbh for a long time I always assumed virtually everyone did the same and only a tiny minority didn't bother, I was genuinely shocked when I found out many people just stick with the same one year after year.

justworriedabit

davnav said:

Yes all the time, you get nothing for loyalty these days. Its all done to price 

If I may correct you, please. You do actually get something for "loyalty" from most of them, IE you pay more, lol.
Don't forget not to forget to cancel the auto renewal. Apply the same criteria to your buildings and contents insurance.
Today, we moved from Aviva after years and saved a decent 60 quid plus cashback for a cashback site but I'm not counting that until we get it.