Cut Your Car Insurance In 4 Steps Discussion Area

Bonzodog

Don't be taken in by those companies like Direct Line who've opted out of comparison websites. They've good reason to since their quotes tend to be much much higher than the most competitive you'll find on sites like Moneysupermarket.

I recently asked a fully comp quote for an R reg Fiat Punto for myself (over 60yrs old) with my daughter (34 yrs with full license living at the same address as myself) as named driver. We both have clean licenses, no accidents for the past 15 yrs.

The quote from Direct Line at £787.32 (which actually exceeds the market value of the car!) was nearly 3 times that offered by the RAC through Moneysupermarket at £256.63

Small wonder they don't show their face on Comparison websites!

AndyRen_2

Charterhouse wrote: »

Hello,

Interesting stuff, tried this today for my new Mercedes SLK. Sadly my idiot friend crashed my Landrover last year so I knew it was going to be expensive. The various sites returned quotes of anything from £1,100 to £3,000, with excesses of anything from £250 to £5,000 (I am 30, otherwise clean record, no other claims etc, 2 years no claims bonus after the reduction for the claim).

Admiral quoted the lowest with a £250 excess - £1,564 which I thought was pretty good. I then called up to see what would change - how much it would go up - if I put my girlfriend (aged 25) on the insurance. Strangely enough, even though SHE would be the named driver, this cut the cost to £1,104. A saving of £460. I asked them to check and they said it was definitely right.

I then, feeling rather lucky, asked them to check what it would cost to add my Landrover onto the policy - that cost me £460 last year with 4 years no claims and before my idiot friend had the accident. Admiral were able to add the Landrover for £374 and a total of £1,378 meaning that overall I have saved over £600 today vs the 2 seperate policies.

So definitely if you have 2 cars, try Admiral for that, and if you have a female in the house who will even occasionally drive the car, try adding her to the insurance, it might actually SAVE you money, bizarre though it sounds.

NB Before anyone theorizes that I may have misled them somehow, I made it VERY clear that I am the main driver and that my girlfriend will be driving both cars only very occasionally as she has her own car.

The reason your quote may go down is due to what they call 'customer segmentation analysis' - a branch of marketing. I found that when I added my wife onto my policy the total cost went down from when I was the sole driver.

Basically the theory goes that single men (especially under 30) are a very high insurance risk. Married men, even if your age hasn't changed, are much less likely to crash, etc. So much so that it even outweighs the extra risk of having another driver on the policy.

I'm finding the premiums are increasing a little now that we have a child. One insurer told me that having a child in the car puts us in a slightly higher risk group, because of the increased likelihood that someone will run into the back of us when we're out shopping with the kid. (This is a very common type of accident, hence all the 'Baby On Board' signs!)

dacouch

Some Insurers find people with children are safer risks

Browntoa

whats the odds, finding a site where the owner has the same name !!

Domain name:
top-insurance-tips.co.uk

Registrant:
William Matthews

india2003

wanted to warn people about asdaonlinexclusive car insurance it may be cheap but don't make the same mistakes I did I didn't read the terms and sent a copy of my paper driving licence and the front of the photo card but they wanted a copy of the back of it they said they emailed me twice to advise me but I didn't receive them so they cancelled my insurance now I have to pay £75 fee plus I had 5 years no years claims they have sent me a letter back stating I have 0 years no claims I am still trying to get this back I have had a very stressful week with this and it is still not sorted

dacouch

India send Asda your proof of no claims from your previous insurer and ask them to send you up to date no claims from asda

india2003

dacouch they sent me a email saying sorry for the mix up with the no claims going to send me a letter with full no claim but I am still complaining about the driving licence cancellin my insurance and the £75 fee thanks india

cirian75

all trimmed out fully comp policys with windscreen, legal and courtsey car

1998 Pug 306 1.9 TDI D-Turbo group 5
2005 about £300
2006 about £300
2007 about £300
2008 about £300

moved from north warrington WA5 to south warrington WA4
2009 was about £330

2003 Mazda MX5 1.8 option pack 1 group 14
2010 £450

2007 Mistubish 1.1 colt group 3
2011 £560

been to all the comparison website

that goodness my policy ain't up till September

35, male, 12 years driving, 11 years NCB, never claimed.

Same jobs, same everything.

whats going on, the colt should be dead cheap?

almillar

Availability of parts, or perhaps cost of parts, or maybe just because the Colt is less common and the companies find it harder to assess the risk, so play it safe, for themselves of course, not you!
Also, the cost to replace the car, if a write off is higher I guess, a 1998 306 is worth <£1000, a 2003 MX5 £3k or £4k maybe, maybe a 2007 Colt would be worth a bit more?

cirian75

did a quote for the ole 306, about 40 less than the colt, still above the 500 and nearly 200 more than 09's cost