Cut Your Car Insurance In 4 Steps Discussion Area

This is the area for questions, feedback and discussion about the four step solution to cutting your car insurance costs.   For the article containing this system click here.

If you are providing feedback.  It would be very helpful to hear the results of each of the steps.  As this is a new system all feedback is greatly appreciated.

My fingers are crossed that it saves you some money though.

Martin

Hi there

I tried both of your suggestions, and as you say, confused.com was a bit more time consuming, but definitely well worth the time in my case. Took ten minutes to complete, and when the email with results came through, I was surprised - a saving of over £50. My renewal quote was £291 with the Halifax who I have found hard to beat in previous years. Well, confused.com served me with quotes from £240 to £375, the top six being with different brokers all quoting the same company, with £20 difference between them - some are obviously greedier than others! The car was a 1998 Fiat Punto. Thanks very much Martin, my wife's insurance is due for renewal at the end of the year and no guesses for where I will be looking. Have already recommended it to friends and family! ;D

Hello All,

Firstly, many thanks to those of you who voted for my charity, shipping unwanted bicycles to Africa - see www. re-cycle.org


Confused indeed!!!

I've bought an old Toyota Estate, after many years car free, and at last got round to getting it on the road.

I'm want to insure for me + 4 others, using 9 years no claims

Confused, good concept, came up with a painful £1303 to £1642 (car's worth £200!)

I called Budget, freephone 0800 028 9044

Anyone over 30;
FORTIS - Fully Comp, protected No claim, £384
NIG - 3rd party, no claims NOT protect, £242,

4 named drivers, all over 30;
NU - Fully Comp, No claim protected, £355
AXA -3rd party, no claims NOT protected, £338

Seems that Confused is VERY confused when multiple or any driver.

ALSO WORTH NOTING
Viz protected no claims, they said that anything over 5 years is a bonus, and when you make a claim it knocks 2 years off your no claims, after first going down to 5 years.
i.e.
Was 9 years
Claim 1 => 3 years no claims bonus (5 - 2)
Claim 2 => 1 years (3-2)

Protecting it cost me £100, so i asked for a quote with 3 years no claims, to see what I would have to pay if I claimed, and it was about £100 more, so no point in protecting, in this instance.


Anyway, please use a bike or bike + train wherever possible :~)


Re-Cycle.org sells a kit to convert your bicycle into a stretch bike, for carrying shopping, kayaks, kids, parents, etc.

See - https://www.xtracycle.com

The FreeRadical transforms a regular bike into a go-anywhere cargo carrier. It performs on rugged terrain with payloads of up to 200 pounds = 100kg, while maintaining the friendly handling of a mountain bike. A FreeRadical-equipped bike can easily haul lumber, computers, kids, adults, kayaks, and ladders, loads previously considered too long, heavy, or bulky to be transported by bicycle. Adding a  FreeRadical to a bike is like adding a thumb to a four-fingered hand.

I've regularly taken 2 adults and a child up and down hills (with clip in pedals).
And I've had 2 adults surfing, hands free, round corners, with half an hour of practice!!!! (Disclaimer: don't try this at home kids!)

The idea started with trying to make bikes more effective in Less Developed Countries (LDCs), for taking goods to market, fetching water etc. The company who make them have a charitable arm developing this still, which Re~Cycle works with.


Cheers

merlin matthews   
CEO
Re~Cycle ~ The Bicycle Charity

Winner of the 1st “Upstart Award”, run by the New Statesman and Centrica, £15,000 and support ~ more in depth expert 3rd party validation of our simple and extremely effective work. 

Secure Online donations available - please do!

_ __o         
_ _`\<,      
_ (*)/(*)       

"Take an unwanted bike lying in the UK, ship it to a country where it’s really needed and teach the local people the skills to fix and maintain it."

110 Coast Road, West Mersea, Essex, CO5 8NA, UK      
Work +44 (0) 845 458 0 854 ~ Mobile +44 (0) 797 073 15 30 ~ Home +44 (0) 845 4 58 07 58