Quidco - Change ins after 6 months Prudential to churchill

jawa1

Just change my car, I have 6 months left with Prudential and got £120 cashback from them via quidco.

Can I change to Churchill and get £100 cashback with them without Prudential / quidco getting unhappy that I have only been with them for 6 momths and them trying to get the £120 cash back?

Skippy2roo

jawa1 wrote: »

Just change my car, I have 6 months left with Prudential and got £120 cashback from them via quidco.

Can I change to Churchill and get £100 cashback with them without Prudential / quidco getting unhappy that I have only been with them for 6 momths and them trying to get the £120 cash back?

Hy there
I have changed my car insurance 3 times in the past year through cashback site Quidco and have had no problems thus far. All the cashback has been paid and my fully comp insurance has cost me approx £60 in total taking the cashback into consideration. One thing i would advise though is Check your current insurance company dosn't insist that anyoutstanding premiums for the year are payable upon cancellation. I know that the prudential take one months payment ( well they did with me )
You can save yourself a small fortune.

Quentin

Why not use the cashback maximiser and get the new insurance via a different cashback site.

Quidco do get a bit shirty if they spot you are "abusing" (their term) any offers. Which they will do should you need to make a claim over the transaction not tracking etc.

Skippy2roo

Hy Quentin,
I have switched to cashbackkings recently to spread the income

Badger_Lady

Quidco have already been paid - they don't care

Prudential will very unlikely realise that this has happened - as far as they're concerned, they paid commission to an online affiliate, and they probably don't even keep a visible record of it (it'll have been included in their "cost per sale" figures). They'll just charge whatever cancellation fees they're entitled to.

As long as you're not deliberately abusing the system, you don't need to worry about this. I did worse last year - my insurer wouldn't cover my new car, so I had to cancel (with no fee!). I then took out Churchill via Quidco, they realised 1 week later that they couldn't cover me and cancelled, so I ended up with Ensign. All three had paid out commission .

shelly

jawa1 wrote: »

Just change my car, I have 6 months left with Prudential and got £120 cashback from them via quidco.

Can I change to Churchill and get £100 cashback with them without Prudential / quidco getting unhappy that I have only been with them for 6 momths and them trying to get the £120 cash back?

Don't forget that by changing co's mid policy year you will lose the 6 months NCB you have accrued so far. Thats ok if you have full NCB as you aren't really losing anything but if you only have 1 or 2 years it might be worth staying.

jawa1

Thanks folks, it was only £16 extra to change car on current policy and as Prudential gave us free Breakdown cover this year will let it run the 6 months and then hopefully Churchill will still have the £100 cashback for next year.

Not as Prudential is underwritten by Churchill!

**woody123**

what if you have paid you car insurance in full and you want to cancel and start a policy with someone else?

Sounds a very good idea though thanks to the op..

Badger_Lady

Woody, depending on your insurer, you would get a partial refund on your current insurance. You would not get any No Claims Discount accrual.

If you're talking about doing it purely to get the cashback (because you have very cheap insurance) - yes, it's possible, but not recommended. It could be spotted as an abuse of the cashback system and you may fail to get your cashback amounts paid out.

Of course, to cancel mid-term and not have your cashback track would be unnecessarily costly

Quentin

Badger_Lady wrote: »

If you're talking about doing it purely to get the cashback (because you have very cheap insurance) - yes, it's possible, but not recommended. It could be spotted as an abuse of the cashback system and you may fail to get your cashback amounts paid out....

Unnecessary scaremongering.

How will it be "spotted" as an abuse if you use different cashback operations each time?

And to cancel a policy after 6 months (or less) is a regular inconvenience that policyholders are forced into by the insurance companies (eg because a new car isn't accepted by them, or an additional driver is unacceptable).

**woody123**

Quentin wrote: »

Unnecessary scaremongering.

How will it be "spotted" as an abuse if you use different cashback operations each time?

And to cancel a policy after 6 months (or less) is a regular inconvenience that policyholders are forced into by the insurance companies (eg because a new car isn't accepted by them, or an additional driver is unacceptable).

Thanks for the replies i'll take both of them on board..

My policy with privilege has only just started so it may be an option in a few months if it is worth doing then..

Another thing i thought of is when you cancel the existing policy would you get a notice from the insurer as to how many years no claims you have.. I have 6 years and the reason i am considering this is because i can't really lose another years no claims as most insurance companies don't recognise any higher than 5..