Confusion between Churchill Essentials Car Insurance and Churchill Car Insurance?

bery_451

What is the difference between the 2 apart from the £50-£100 price difference? Is Churchill essentials 3rd party cover only?

Also I read the MSE guide on car insurance and it says in the guide if you type your driving license number on the price comparison sites then you get a cheaper quote, can anyone confirm how much cheaper the quotes will be?

Lastly if I cancel my car insurance with Churchill in the cooling off period then will they give me my No Claims letter?

Finally does Churchill charge a cancellation fee if cancelled within the cooling off period?

cw8825

Churchill essential is the slimmed down version of the policy. does not include cover for driving abroad, lost keys, audio or personal possessions or a protected no claims discount. Basically Tpft + the lowest level of cover for damage to your car 

Doing a quote with and without the licence number is unlikely to actually change the price offered but may have extra insurers when you add the licence number 

if you cancel in the cooling off period. They are unlikely to issue you a no claims. Would think you use your previous one

yes there will be a cancellation fee during the cooling off period. General practice the daily cost of insurance + cancellation fee
example if the policy was £730 - £2 a day plus £53 so maximum if £81 if you cancelled on day 14

400ixl

As above, Essentials is a cut down version that may not include some of the basics like courtesy cars or other options such as mentioned above. Read it carefully as some can be quite restrictive and people who take it out on price often then don't like what they get if they have to claim.

Why would you be taking out a policy and cancelling in 14 days? Just get the right policy up front.

In answer to your questions, no they won't issue a no claims you would have to revert to the last policy provider, and yes there will be both time used costs and admin fee's involved which will be disproportionate to the length of cover.

No one can tell you what the price difference will be if you enter your full license details. May be less, may make no difference, could be more. It will be specific to your circumstances.

bery_451

cw8825 said:

Doing a quote with and without the licence number is unlikely to actually change the price offered but may have extra insurers when you add the licence number 

if you cancel in the cooling off period. They are unlikely to issue you a no claims. Would think you use your previous one

yes there will be a cancellation fee during the cooling off period. General practice the daily cost of insurance + cancellation fee
example if the policy was £730 - £2 a day plus £53 so maximum if £81 if you cancelled on day 14

Okay so there's insurers out there who will only insure drivers who type out their driving license number otherwise they be hidden in the quotes results?

Can you find out for certain with Churchill will the driver get the no claims?

So cancellation fee is £53 with Churchill if cancelled within the cooling off period?

bery_451

400ixl said:

Why would you be taking out a policy and cancelling in 14 days? Just get the right policy up front.

In answer to your questions, no they won't issue a no claims you would have to revert to the last policy provider, and yes there will be both time used costs and admin fee's involved which will be disproportionate to the length of cover.

No one can tell you what the price difference will be if you enter your full license details. May be less, may make no difference, could be more. It will be specific to your circumstances.

MSE guide states typing out driving license number brings in cheaper quotes because this way is low risk for the insurers. So this is not confirmed?

Okay to clarify churchill will not issue no claims if cancelled within their cooling off period? There's a post on reddit saying that they do.

I might cancel if I find a better policy at cheaper price.

cw8825

bery_451 said:

400ixl said:

Why would you be taking out a policy and cancelling in 14 days? Just get the right policy up front.

In answer to your questions, no they won't issue a no claims you would have to revert to the last policy provider, and yes there will be both time used costs and admin fee's involved which will be disproportionate to the length of cover.

No one can tell you what the price difference will be if you enter your full license details. May be less, may make no difference, could be more. It will be specific to your circumstances.

MSE guide states typing out driving license number brings in cheaper quotes because this way is low risk for the insurers. So this is not confirmed?

Okay to clarify churchill will not issue no claims if cancelled within their cooling off period? There's a post on reddit saying that they do.

I might cancel if I find a better policy at cheaper price.

It’s not free to cancel. It’s cancellation charge plus time for days insured

if you have been insured for only the cooling off period Churchill will either issue you a new no claims bonus certificate stating you joined with x and left with x or you will need to use your previous 

some insurers may be hidden. I personally can’t see why they would discount for providing a licence number. There’s nothing they can do with it on its own

if your going to keep cancelling within the cooling off period it makes little sense. 

Aretnap

cw8825 said:

some insurers may be hidden. I personally can’t see why they would discount for providing a licence number. There’s nothing they can do with it on its own

They can check the DVLA's record of your convictions if you provide your driving licence number (and tick the box giving them permission to access your data). Which eliminates the risk that you have accidentally or otherwise omitted to mention your conviction for drunk driving. Some insurers will offer a lower price as a result - how much lower varies from insurer to insurer.

bery_451 said:

I might cancel if I find a better policy at cheaper price.

Then you'd better make sure that it's at least £50 cheaper (or whatever Churchill's cancellation fee is).

Or better still, just buy the better/cheaper policy in the first place and save yourself the £50.

cw8825

Aretnap said:

cw8825 said:

some insurers may be hidden. I personally can’t see why they would discount for providing a licence number. There’s nothing they can do with it on its own

They can check the DVLA's record of your convictions if you provide your driving licence number (and tick the box giving them permission to access your data). Which eliminates the risk that you have accidentally or otherwise omitted to mention your conviction for drunk driving. Some insurers will offer a lower price as a result - how much lower varies from insurer to 

I was under the impression that without the share code. The licence number is redundant 

Aretnap

cw8825 said:

Aretnap said:

cw8825 said:

some insurers may be hidden. I personally can’t see why they would discount for providing a licence number. There’s nothing they can do with it on its own

They can check the DVLA's record of your convictions if you provide your driving licence number (and tick the box giving them permission to access your data). Which eliminates the risk that you have accidentally or otherwise omitted to mention your conviction for drunk driving. Some insurers will offer a lower price as a result - how much lower varies from insurer to 

I was under the impression that without the share code. The licence number is redundant 

The share code is for when you need to show your record to car hire firms, employers, random people etc. Motor insurance have their own system to access the DVLA records. 

https://www.mib.org.uk/managing-insurance-data/mib-hub/mylicence/

cw8825

Aretnap said:

cw8825 said:

Aretnap said:

cw8825 said:

some insurers may be hidden. I personally can’t see why they would discount for providing a licence number. There’s nothing they can do with it on its own

They can check the DVLA's record of your convictions if you provide your driving licence number (and tick the box giving them permission to access your data). Which eliminates the risk that you have accidentally or otherwise omitted to mention your conviction for drunk driving. Some insurers will offer a lower price as a result - how much lower varies from insurer to 

I was under the impression that without the share code. The licence number is redundant 

The share code is for when you need to show your record to car hire firms, employers, random people etc. Motor insurance have their own system to access the DVLA records. 

https://www.mib.org.uk/managing-insurance-data/mib-hub/mylicence/

I stand corrected on that one 

DullGreyGuy

cw8825 said:

bery_451 said:

400ixl said:

Why would you be taking out a policy and cancelling in 14 days? Just get the right policy up front.

In answer to your questions, no they won't issue a no claims you would have to revert to the last policy provider, and yes there will be both time used costs and admin fee's involved which will be disproportionate to the length of cover.

No one can tell you what the price difference will be if you enter your full license details. May be less, may make no difference, could be more. It will be specific to your circumstances.

MSE guide states typing out driving license number brings in cheaper quotes because this way is low risk for the insurers. So this is not confirmed?

Okay to clarify churchill will not issue no claims if cancelled within their cooling off period? There's a post on reddit saying that they do.

I might cancel if I find a better policy at cheaper price.

It’s not free to cancel. It’s cancellation charge plus time for days insured

It can be worse than just a single fee and time for days insured, in some cases there will be a fee from the seller and a fee from the insurer plus days on cover may be charged at a "short term insurance" rate rather than prorate for an annual policy. 

In the case of Churchill, they are a direct insurer so you're not going to get a second fee. 

cw8825 said:
I personally can’t see why they would discount for providing a licence number. There’s nothing they can do with it on its own

What percentage of people do you think "forget" to mention a conviction? (X)
What percentage of people do you think accidentally declare a conviction that they dont actually have? (Y)

Whilst Y will be greater than 0 I will take any size bet you want that X > Y

So with more people understating their driving convictions than overstating you need to add a risk margin onto whatever someone declares. 

Give me your driving licence number? I dont have to trust you at all, I can ask the DVLA exactly what convictions you have and from when. You'll still get hammered if you're just off a driving ban for drink driving but you won't have to pay a risk margin on top to cover the risk that you "forgot" your previous SP50 or thought it somehow got expunged when you lost your licence.