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    • MSE Archna
    • By MSE Archna 23rd Jan 07, 7:49 PM
    • 1,874Posts
    • 6,140Thanks
    MSE Archna
    Car insurance successes stories
    • #1
    • 23rd Jan 07, 7:49 PM
    Car insurance successes stories 23rd Jan 07 at 7:49 PM
    What's this about?

    The Cheap Car Insurance System is all about getting the best deal. But for fun, here's a contest to see who across the UK has the ultimate deal. As I write this, the cheapest is 48.

    So I thought it'd be interesting to see who else sheared down their car insurance that way. Did you manage it for under 100?


    Update 4 October 2009

    After many incremental increases the current record is 96p for fully comp insurance.... as follows.

    It's for Barbara Wakerell from Kent.

    Policy Price: For Barbara the cheapest was 120.96 from Swinton Insurance for a fully comprenhensive policy, with protected no claims bonus, and including a courtesy car.

    Insurer cashback: The company had its own 70 cashback promo on.

    Cashback site: She then got a further 50 via using a cashback site.

    Full info in the Updated Guide: Cheap Car Insurance

    If you get cheap car insurance please report it
    Last edited by Former MSE Wendy; 07-10-2009 at 12:21 PM.
    Report inappropriate posts:

Page 2
    • sleeponit
    • By sleeponit 25th Jan 07, 8:57 AM
    • 30 Posts
    • 1 Thanks
    27 with Post Offfice after 50 cash back. Yes 27.
  • alfie74

    My classic car renewal is cheap. I used to have it on a Austin Maxi last year, and it was 98.10 Comp. Imagine my surprise when I got this year's renewal and it was the same: 98.10 Comp. I phoned them up as I said I was changing my vehicle. Still the same price. Then I said I'd like to add my other classic car to the policy. Still the same price!

    Two classic cars for 98.10 Comp / 1973 Daf 66 1.1L / 1969 Reliant Regal 0.7L / 50 excess / unlimited mileage / used as main car (most policies are for classics as second vehicles) / European breakdown recovery / TP Driving Other Cars cover /Agreed Value / 32 year-old / male / Staines

    Anyway it's sometimes worth checking out specialist insurers for vehicles when they are as little as 15-20 years old.
  • Phil25
    Cheapest I could find for my wife's Corsa was 157.50 from Prudential - after 100 cashback from Bighair = 57.50 (+ used Cashback credit card of course!)
    • zipman23
    • By zipman23 25th Jan 07, 10:52 AM
    • 289 Posts
    • 68 Thanks
    I know this is slightly off topic but I was told a few weeks ago that if you work in the newspaper business, when you are asked your occupation by your car insurer, it is much better to state that you are a normal printer rather than a newspaper printer because newspaper printers are on the "magic" list meaning they don't give you as good a deal. Does anybody know if this is true?

    My car insurance isn't under 100...I long for that day lol. I'm 23 this year and I've driven a 1.0l V reg Nissan Micra profile since I was 20. I've got full no claims bonus of 2 years. I took out a 10 month bonus accelerator policy with in November last year and that got me down from my last insurers (The AA) best quote of 590ish to 526 fully comp! A difference of 64. Its good enough for me I think!

    My first years quote for the same car was 1352, 2nd year it went down to 714 and now I've got it down to 526 all fully comp! Only had 1 claim but that wasn't my fault. Any opinions on if thats good or not?

    By the way, I used both and and then once I got my cheapest quotes, I haggled with just about every insurer that rang me back...there was a few!!
    • Annando
    • By Annando 25th Jan 07, 11:31 AM
    • 459 Posts
    • 259 Thanks
    Just did a quick check on the swiftcover website, their quote was higher (223) than the one I got from Lloyds. I forgot to mention that the Lloyds quote was full comprehensive, including legal cover and a replacement car, with Swiftcover you have to pay more for those.
    • Ken68
    • By Ken68 25th Jan 07, 12:03 PM
    • 6,467 Posts
    • 4,122 Thanks
    27 with Post Offfice after 50 cash back. Yes 27.
    by wellfan

    Good for you Well....thought I was low at 34 including 50 cashback from Post office.
    prudetial cover for me was 162 got 100 back through Quidco and full green flag cover for a year thrown in worth 70.

    this i effect would make my insurance free for a year.
    • macwitch
    • By macwitch 25th Jan 07, 3:10 PM
    • 4 Posts
    • 1 Thanks
    Husband's renewal in at 186 went thro confused got quote from Zurich for 141, did it thro quidco 80 off so I got fully comp, with breakdown cover for 61, well chuffed!
  • dranz100

    My classic car renewal is cheap.

    .... used as main car (most policies are for classics as second vehicles).....
    by alfie74
    Which company?
    • jstallan
    • By jstallan 25th Jan 07, 3:18 PM
    • 320 Posts
    • 106 Thanks
    Prudential 94 fully comp inc basic breakdown cover with green flag

    Original quote 194 - 100 quidco (and they paid out last month!)
  • albundie
    I'm having trouble with the pru quidco offer which I took out in November. Finding quidco customer service a bit poor. Anyone else having trouble?

    Oh and remember the Barclay's £50 price match deal is for 'like for like' cover which you're need to prove with renewal letter and other documentation. So have your existing cover docs in front of you when getting a quote, then you can match the annual mileage or mods. Also proving this a little hard to do if you were a swift customer (Haven't heard back from Barclay's yet but I've took screen shots of my swift space!) as swift is totally Internet.

    Another point with moneysupermarket is they make assumptions so your final price with the insurer could vary considerable.

    HTH well something of it!
  • catmeow
    38 Third party fire and theft
    I bought my third party fire and theft policy with Lloyds via Quidco. Paid 148 and got 110 cash back, os 38 for the year Thanks Martin!
  • rjdjcd
    Using I saved over 180 off my renewal premium. The AA wanted 670 to renew... I haggled and got them down to 612. I then used the tips and used and got my insurance for 454 from Budget!!
    I went back to the AA and they didn't want to know. So good bye AA helllooooo Budget!
    Thanks Martin!
    by kittykat100

    Just take care if you have a claim. I was caught out in a catch 22 situation while in France. They initially would not authorise the repair, hole drilled in driver's door to get to central locking, until their engineer had inspected it. He was in England I was in France in the middle of a holiday. Eventually they did agree it was not safe to have an unlocked car and then qualified it with, but only to the cost of repairing it in England. I rang my local main dealer back home and obtained a verbal estimate. The French cost was 2/3 of the UK figure, but I only got the French cost back. Bit of a one way trade.

    Naturally have not used Budget since.

    Had no trouble with several personal possessions hidden in the car covered on my household insurance(Saga). They said leave it until you get back to England. In fact it was the reverse as the cheque was with me before I returned the completed claim form.

    You only know how good a company is when you make a claim.
  • ellies_words
    After listening to Martin, I got mine down to 78 (fully comp) by haggling with my current supplier, after going into You don't have to be brave to do it...!
    • eamon
    • By eamon 26th Jan 07, 10:31 AM
    • 1,702 Posts
    • 1,206 Thanks
    I'm just amazed how many of you can get insurance for less than £100. If I didn't know better I would swear that the only way to achieve that would be to lock your car in a garage and never drive it!!


  • 3tree
    I had a renewal quote from my current insurer for 352. Wow an increase of 100 on last year.

    I went on Confused/Moneysupermarket & the best quotes were coming in at 100 less.

    I decided to go online to my existing provider and do a re-quote on exactly the same cover & got a quote for 270 & through Quidco I should get a further 40 back making it 230 a saving of over 120. Not bad?
    • ohit
    • By ohit 26th Jan 07, 7:02 PM
    • 355 Posts
    • 49 Thanks
    What cars do you lot drive to get insurance that cheap?
    • Annando
    • By Annando 27th Jan 07, 12:23 AM
    • 459 Posts
    • 259 Thanks
    Mine is a Toyota Yaris 2004, do 6000 miles a year (roughly), 9 years NCB have had a licence for more than 10 years.
    • Ken68
    • By Ken68 27th Jan 07, 9:24 AM
    • 6,467 Posts
    • 4,122 Thanks
    What cars do you lot drive to get insurance that cheap?
    by ohit
    Low mileage helps, garaging too. Tho being over 70 doesn't. I suppose a small engine means less speed, so suppose that helps.
    And a low value. Mine's a Suzuki Wagon R, ideal for carting Freecycle and auctions and allotment. Every MSE should have one.
    • kittykat100
    • By kittykat100 27th Jan 07, 12:11 PM
    • 528 Posts
    • 378 Thanks
    Well excuuuuuuuuse me for not reading the beginning of the thread correctly. I tend to just scan and missed the 'below £100' bit ... so if I offended anyone I apologise.

    Life is sometimes a bit pants but occasionally you can wear your french knickers!
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