Insurance premium goes up after holding license longer than 9 years?

akira181

I done a comparison for car insurances and they only had the option to say license held for 9+ years.  It gave me a quote of around 511 with eSure.  Last time I used a comparison site, it gave me 1st Central Insurance and I just bought it without reviewing the details.  4 months later, 1st Central contacted me saying I had held my license longer than 9 years and billed me £50 to change my details.  Live and learn!

This time, when I went to eSure, I changed my license held date from 9 years to 16 years and the premium jumped to 600ish.  I restarted the quote directly on eSure and I got a price of 511 again plus an option to add additional extras (legal/personal accident/courtesy car/etc) at up to 42% discount price.

So it seems like if you use a quote from a comparison site and then change any of the details, it ups the price regardless of the change and you have to pay full price for the additional extras if you want them? (£60 discounted bundle vs £105 via comparison site).  Seems like trusting a comparison site gives you the short end of the stick!

Sandtree

Insurers are very sensitive to quote manipulation but not always good at spotting it. If you adjust a quote on a characteristic that should be fixed you can find some companies will escalate the premiums, not so much because of the change in factor but the fact you've changed something immutable and so a fraud risk.

Many insurers have differential pricing and products depending on channel... one is not necessarily automatically better than the other but is intended to be more tailored to the behaviours of customers that typically use those channels