Cut Your Car Insurance In 4 Steps Discussion Area

Jafa_2

I only want to insure my car for the short term, say 1 or 2 months. Thought my existing insurer would extend my policy until I took the vehicle of the road - OH NO! nothing as helpful as that, only 12 months and if you cancel they'll charge me for cancelling! - any ideas who I can get short term cover from?? Reason for this is I'm hoping to sort a lease car out through work.

glyn.b

my navara is insured with lloyds insurance at present ill try insurewith now

jennpenf

I've been driving a company car for 6 years so no NCD. Tesco horrendously expensive. Went on confused.com and only a few insurers quoted. One was Saga (just turned 50) and they've come in £300 cheaper than most at £212 fully comp including oh who has 3 points. What's more they've given me 60%NCD protected. Yippee! Thanks Martin!!!
Jenny

tiny_cottage

We've tried the 4-steps via comparison sites. My daughter's partner has been riding his fully insured motorbike for over 8 years yet now they've bought a car, find they don't qualify for ANY no-claim discount! T/P insurance for an Astra Estate has cost £690+! Surely years of safe driving of a motorbike must count for something!! By the way, he's 29 so not a 'young tearaway'. Anyone any suggestions, please?

Postcard

Jafa wrote: »

I only want to insure my car for the short term, say 1 or 2 months. Thought my existing insurer would extend my policy until I took the vehicle of the road - OH NO! nothing as helpful as that, only 12 months and if you cancel they'll charge me for cancelling! - any ideas who I can get short term cover from?? Reason for this is I'm hoping to sort a lease car out through work.

http://www.norwichunion.com/short-term-insurance/index.htm

http://www.theaa.com/insurance/short-term-car-insurance.html

Domina356

I just renewed my car insurance mid September, and followed the usual search engines.
Having found reasonable?? quotes for my dated Peugeot, I then looked at buying my insurance through Quidco.com (a cashback co-operative) and Prudential were offering £130 cashback with their insurance. Their quote fully comp was £225, so got my insurance for £95.
Fab

memsquared

We have used direct line for many years. We tried the 4 steps and guess who beat their own quote? Direct line! We saved 80 quid on their own renewal quote - by applying as a new customer. It was also 0% interest whereas we were paying for it before! We went on to be a 'new customer' for breakdown cover and saved a further 60 quid!!
We have complained to Direct line and they acknowledge that it is cheaper as a new customer.
We have lost hundreds of pound to them over the years. Can they do this? Should they have informed us? We are, like a lot of people, very busy and assumed that being loyal customers of over 15 years standing that we would be getting a competitive quote - within their own company! Is there anything we can do about this?

EmberJDIns

It's a sad state of affairs when the clamour for new customers seems more important than giving the best deal for loyal ones.

Here's the difference, go direct and you're a customer, deal through a Insurance Broker and you're a client.

Would suggest you write to their Chief Executive.

harryhound

memsquared wrote: »

We have used direct line for many years. We tried the 4 steps and guess who beat their own quote? Direct line! We saved 80 quid on their own renewal quote - by applying as a new customer. It was also 0% interest whereas we were paying for it before! We went on to be a 'new customer' for breakdown cover and saved a further 60 quid!!
We have complained to Direct line and they acknowledge that it is cheaper as a new customer.
We have lost hundreds of pound to them over the years. Can they do this? Should they have informed us? We are, like a lot of people, very busy and assumed that being loyal customers of over 15 years standing that we would be getting a competitive quote - within their own company! Is there anything we can do about this?

I think you have an over developed sense of morality. Direct line made you an offer each year and you accepted it.
Virtually all companies treat their "loyal" (sleeping) customers like this, complete with inertia selling techniques, like getting a direct debit off you so you never get a round tuit, when renewal time comes around. This web site plugs a diary reminder service that will send you an Email in an attempt to to wake you up.
We live in "rip off" Britain, because of people who do not challenge the prices they are quoted. Just talk to someone from the hard working sector of the migrant community; when money really matters the peasants get clever.

Harry.

Thinks: Watch out for low interest periods on borrowing. High interest rates until (say) Xmas (when you are busy) on savings. Difficult to hit dates before automatic renewal of say book clubs. Falling prices that do not get passed on by utility companies. Magazine subscriptions. Bank account charges etc. etc.
Companies employ teams of people whose job it is to make contracts so complex that you cannot choose the right one and so buy on some spurious factor (eg mobile phone companies); Welcome to the real world where "marketing" departments have high powered computer systems to model consumer behaviour (and so do tax raising governments); remember their job is to "extract the maximum number of feathers with the minimum amount of squawking" as you get plucked.
That said, the cheapest is not always the best or even adequate - you only know how good an insurance company is, when you make a claim.
You have probably done the right thing sticking with (as I remember) a good company like Direct Line as long as they are not more than 5% more expensive than the cheapest offer, unless you are on 3rd party only.

RICKYM_2

My car insurance renewal came through from the Prudential quoting £250 However if I visit their web site and apply online the quote for the same company is £220 Can you start up a new policy with the same company and not renew the old one ?? I would of course have to send them my 'No claims' discount confirmation which would be from them. Any views please