Car insurance 87 year old

Kinnie

Sister has been looking to renew car insurance looked on compare etc being quoted £900+
 she drives locally has a clean license.

can anyone recommend a reasonable company please .   We’re with aviva and pay way under that amount 

Ayr_Rage

You'll just have to try all the comparison sites and go direct to those that do not feature on them.

EssexExile

That's about what my dad paid in his 80s and 90s to insure his Nissan Micra.

matt_drummer

Kinnie said:

Sister has been looking to renew car insurance looked on compare etc being quoted £900+
 she drives locally has a clean license.

can anyone recommend a reasonable company please .   We’re with aviva and pay way under that amount 

Aviva then?

Mildly_Miffed

There's a myriad of reasons why an insurer who's good for one person may not be good for another ostensibly similar one. So, yes, Aviva might give a good quote for you but not for her.

If you're asking the comparison engines, and getting quotes of £900+, then that's quite simply the amount the market thinks is a fair rate for the risk they believe she poses.

It's a simple fact that elderly drivers stand a very high risk of claims.

Nasqueron

Insurance is like an inverse bell curve, new drivers are expensive as they are inexperienced and may be overconfident / more willing to take risks // older drivers are experienced but have statistically worse reactions, poorer eyesight and there are some (not saying your sister is like that) who will hide medical conditions as they don't want to lose their licence or get confused and end up driving the wrong way down motorways  

Frozen_up_north

Don't always assume comparison sites offer the best price, someone has to pay for the commission. You need to decide if those discounted cinema tickets and meals out are giving you an overall lower cost over a year.

We recently found the renewal price for home insurance with Churchill was cheaper than any of the comparison sites, including to renew with Churchill via a comparison site.

Mildly_Miffed

Frozen_up_north said:

Don't always assume comparison sites offer the best price, someone has to pay for the commission.

At the renewal of the policy for my main car this year, I looked wider than the comparisons.

The best "Come direct, it's cheaper because we pass the savings on" off-engine quote I got was nearly three times the best quote from the engines - even excluding the hassle factor of having to give the same details multiple times. I am convinced that those insurers who are off-engine rely on brand-familiarity, laziness... and also the "well, somebody's got to pay the commission so it must be cheaper" fallacy.

MyRealNameToo

Mildly_Miffed said:

Frozen_up_north said:

Don't always assume comparison sites offer the best price, someone has to pay for the commission.

At the renewal of the policy for my main car this year, I looked wider than the comparisons.

The best "Come direct, it's cheaper because we pass the savings on" off-engine quote I got was nearly three times the best quote from the engines - even excluding the hassle factor of having to give the same details multiple times. I am convinced that those insurers who are off-engine rely on brand-familiarity, laziness... and also the "well, somebody's got to pay the commission so it must be cheaper" fallacy.

The reality isnt that simple, to keep brand familiarity you need to keep advertising, sponsoring etc plus if people arent using an aggregation engine they are using a search engine which again costs money to appear well on and if you dont advertise on your brand name others certainly will. The advantage of aggregators is you only pay if you sell, the downside of traditional marketing and SEM is you pay irrespective if you sell or not. 

The other consideration is that on aggregators people are often selling cut down, higher excess etc versions of their products because there price is absolutely king. Those off aggregators may be more interested in other factors like value or quality of cover. Many dont discount on aggregators but instead have a different pricing model  to reflect the priorities and product.