Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

    • Former MSE Wendy
    • By Former MSE Wendy 22nd Nov 07, 11:05 AM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Car Insurance Article Discussion
    • #1
    • 22nd Nov 07, 11:05 AM
    Car Insurance Article Discussion 22nd Nov 07 at 11:05 AM

    This thread is specifically to discuss the car insurance and car insurance tricks articles.

    A new discussion has been started as the article now includes the best order to check comparison sites. To see the previous discussion read this.

    To reply or discuss the article click reply.
    Last edited by Former MSE Rose; 21-03-2011 at 3:31 PM.
Page 3
    • payless
    • By payless 29th Jan 08, 9:23 AM
    • 6,607 Posts
    • 2,360 Thanks
    One might want to accidently have fat fingers when inputting your tel no. in this sites .... seemed to get loads of calls , even if I tick the no contact box
    Any posts on here are for information and discussion purposes only and shouldn't be seen as (financial) advice.
    • Domstan
    • By Domstan 29th Jan 08, 10:53 PM
    • 8 Posts
    • 3 Thanks
    Beware Of Budget
    I have had the misfortune to have my Car Insurance with Budget. I paid in full as oppose to installments. Recently my car was written off due to mechanical problems with the engine. Thus I have had to buy a new car. Budget were not the best quote for my new car by a long way. I contacted Budget to cancel my policy and get a refund for the remaining amount of my Insurance which expired in August 2008. I was adviced that I had to pay a cancellation fee of £55 I thought this was very expensive but accepted that there would be a cancellation fee. I was then told I also had an early termination fee?????? This fee meant that I was actually owed nothing to be refunded to me. I asked how Budget could justify charging me two fees for the same thing and I was just given a standard answer and never an actually explanation of what the two fees covered. I argued that a cancellation fee is exactly the same as an early termination fee but they would not back down. Think very carefully about going with Budget and read the cancellation Policy is is shocking. This has cost me a lot of monay and I still do not agree with it.
  • Mumothree
    RAC refund
    RAC. The RAC* is giving new customers free RAC Roadside Cover or £20 discount and £35 cashback if you already have it's breakdown.

    Hi got a quote from these guys for £18 cheaper (using the link above), however, when called their freephone number the guy had no information about the above cashback anyone have any more info. The RAC guy said to phone back as he would be interested and may be able to sort? Help???

    Also, FYI, on a comprehensive policy the Third Party automatic insurance for you to drive someone else's car is apparently being phased out due to abuse by uninsured drivers, therefore, if you need to get emergency use cover phone them, sometimes they'll add it for that purpose!! FOC, depends on your individual track record me thinks.. Make sure you read the small print, it's excluded on some policies already!!
    • luci
    • By luci 30th Jan 08, 7:46 PM
    • 5,893 Posts
    • 4,647 Thanks
    Has anyone any experience, good or bad, with AIG for car insurance. They are looking like the company I will be insuring two cars with soon, but I can find any reviews or feedback.

    I am more interested in how they handle claims than how much they cost.

  • steww
    saved a bundle
    inital renewal quote from tesco £323.
    followed martins advice best quote £168 paid in full for legal cover i used who provided it for free
    I used a cash back site to purchase the insurance and they offered £45 back this is still in process but should be paid out soon . SO I have saved £155 and if you include the cash back i will have saved £200.
    Insurance is fully comp with protection and includes buiness use provided by swift cover.
    happy i would say i am
  • shadyadie1
    Hi to all
    Anyone now if you can get cheaper insurance for a import cos i'm paying over £500 a year for mine and every year it keeps on going up.
    Martin's method works for british car but not for imports.


    p.s. any help would be great
  • Tottenhamtotty
    I'm with you on this one Adie, we have a Mazda Bongo import so if anyone has a list of insurance firms that will check imports great cos the comparrison sites just don't seem to recognise imports at all.
    Proud to be dealing with my debts
    • rsharp
    • By rsharp 1st Feb 08, 1:52 PM
    • 17 Posts
    • 26 Thanks
    AIG - cashback opportunity
    Has anyone any experience, good or bad, with AIG for car insurance. They are looking like the company I will be insuring two cars with soon, but I can find any reviews or feedback.

    I am more interested in how they handle claims than how much they cost.

    Originally posted by luci
    I don't have experience of AIG but they quoted me with Fortis - other sites had already come up with Fortis several times all within a few £ of each other.

    If you are going to go with AIG then do as I have done today...go to and click through to AIG from there - £90 (ninety) cashback! I just hope the cashback tracks ok. Will update if I don't.

    And I used my shiny new Capital One 4% cashback credit card so that's another £6 back!

    Many thanks Martin for this excellent site.
  • qhiker
    WOW! From £152.25 to amazing £38.79
    WOW! Thank you.
    Martin Lewis & his site just saved me £113.46 on my car insurance renewal. Down from £152.25, to an astounding £38.79. YES, not a typing error: £38.79 for 12 months!
    Following the website advice I found a reduction; from £152.25 (my VIRGIN policy renewal cost) to £92.96 (Post Office), & then P.O give a £50 cash back after a relatively negligible period, so resulting in a relatively paltry total of £42.96 for 12 months.
    I then wondered if I could do even better, so contacted the insurer (Post Office) direct online, making sure to 1st erasing all potential linking tracking “cookies“, etc (using freely available Ccleaner tool, etc), & price came back as even cheaper, at £88.79, saving an extra £4.17! To be honest I couldn’t quite believe the price (as saying goes, “if it looks too good to be true, it usually is!”); so I phoned the P.O about quote, their answering & service was excellent, & quote was confirmed correct. I think even the P.O receptionist was a little stunned by quote of £38.79 as I was left on hold a little while whilst I suspect she had it confirmed by superiors.
    Kind regards, Graham
    • luci
    • By luci 1st Feb 08, 11:52 PM
    • 5,893 Posts
    • 4,647 Thanks
    Thanks rsharp. Quidco is the reason I am considering AIG. I almost went for Swift Cover until I found some really bad reviews on them so want something more reluable.
    • koru
    • By koru 2nd Feb 08, 2:30 PM
    • 1,389 Posts
    • 695 Thanks
    Anyone now if you can get cheaper insurance for a import cos i'm paying over £500 a year for mine and every year it keeps on going up.
    Martin's method works for british car but not for imports.
    Originally posted by shadyadie1
    You have to use trial and error, but I have found that there are a few insurers who cover imports. I am currently using egg, who are charging less than £300 (I do have full NCB, though).
    • purplestar133
    • By purplestar133 3rd Feb 08, 7:43 PM
    • 1,717 Posts
    • 1,321 Thanks
    Hi everyone,

    I'm currently insured with the Post Office. I'm coming up to renewal and have just used all the price comparison sites to get quotes. Post office is still coming up as the cheapest as it includes £50 cashback - but- that's for new customers. (the comparison site say the price and then 'includes £50 cashback' - does that mean they've subtracted £50 from the premium?)

    Is there any way I can get round this? the post office do auto renewal so if i ring them and say i want to cancel at the end of my current policy, can i then be a new customer and get a new policy with them for my next year? do they do that thing companies sometimes do where if you cancel with them you cant join again for 30 days or something?

    Here's some figures if it helps.

    my renewal quote is 263.81 (wouldnt be able to go through a cashback site then would I?)

    Moneysupermarket gave me the best quote £167.78 (includes £50 cashback)
    The next best on there was Endsleigh £243.37 (includes legal cover)

    Thanks for any advice
    • mikedej
    • By mikedej 4th Feb 08, 5:29 PM
    • 17 Posts
    • 2 Thanks
    I've just renewed my car insurance with Lloyds TSB, having been with Prudential. They are both underwritten by Churchill!!, but there was a £72.70 difference in their quotes, and both offered exactly the same terms!! With cashback, I've actually saved £171.70 on Pru's renewal premium, a saving of nearly 41%. (By the way, that includes Green Flag Recovery Plus)

    Thanks, Martin for putting me wise to these tips. Your TV show came just at the right time!
    • moneymabel
    • By moneymabel 6th Feb 08, 5:06 PM
    • 7,892 Posts
    • 7,066 Thanks
    qhiker- I have just done the same as you but I wish I could have spoken to you before as you could have got it even cheaper- if you had left it at the original online quote and gone through quidco they are giving £23.80 cashback !
    my renewal from budget was £111- done martins comparison and got a quote from post office for £108-wow three quid! BUT.... £50 cashback from post office and £23.80 cashback from quidco=£34.20!!!!!

  • spendalot sanj
    Tesco Car Insurance
    Dear All,

    After reading Martin's guide on reducing car insurance (which I have copied below) I decided to use Tesco as I have a clubcard and would like the clubcard points and also 50 quid. Anyway I bought the insurance (which was £51 cheaper than my renewal quote) and tried to use both codes below (i,e 'ccpoints0108'. and 'shop50') but the website only allows for one code. I entered the shop50 code and called Tesco, they informed me that it is not possible to use both codes at the same time.
    I decided to take the clubcard vouchers and not the £50.

    I am happy with the renewal price and also the clubcard points, but it would have been lovely to get the £50 as well.....

    This is my first post, so I would like to say thankyou to Martin and Co for their super website.

    Tesco. Tesco* has two offers for new insurance customers. Its credit card customers can get 500 clubcard points a month for a year (worth £240 in clubcard deals) when they pay for the insurance on their credit card and quote code 'ccpoints0108'. The offer lasts until 31 Mar 08.

    It is also offering £50 off shopping or fuel at Tesco to clubcard customers who buy insurance by 2 Apr 08 and quote code 'shop50'. The £50 is in the form of a voucher.
  • AlexUK
    I need insurance for 1/3/08, would I get a Tesco Credit Card in time for this renewal as the 500 points a month sound very good?

    ALSO what cashback site can I use to buy the insurance and get cashback? Never used any before is this possible with Tesco online insurance?

    Last edited by AlexUK; 10-02-2008 at 2:09 PM.
    • Rebob
    • By Rebob 10th Feb 08, 4:57 PM
    • 990 Posts
    • 971 Thanks
    Even after checking the comparison sites my hubbys existing renewal was the cheapest with the lowest excess. Although this was the case I told hubby to tell them we had got another quote cheaper. The upshot was that they increased the milage allowance and reduced the premium by £30.
    The best bargains are priceless!!!!!!!!!!
  • fieldy
    renewing Admiral Multicar insurance - get more off!
    [quote=MSE Wendy;6874138]

    If you are renewing your Admiral Multicar insurance - do yourself a favour and check individual quotes with Admiral on line. We have four cars on one policy, all of them were much cheaper as individual quotes. When you ring Admiral renewals they will generally honour the price you have been given individually. We saved over £400 on our renewal! Some might say Admiral are chancing their arm with multi car renewals, they claim you can save 23% on single car quotes...definately not in our case without alot more time on the PC.
  • andystanley
    Tesco £50 voucher
    Could anyone clarify whether you have to insure directly with Tesco to qualify for the £50 voucher?

    I just bought from privilege through the Tesco website, and wondering whether that qualifies or not.
    • Quentin
    • By Quentin 12th Feb 08, 1:31 PM
    • 40,482 Posts
    • 24,548 Thanks
    No, but you do get 500 clubcard points if you bought priviledge through the Tesco comparison site.

    The £50 voucher is for buying Tesco's own insurance.

    If its not too late, cancel the policy then buy it again through quidco. You get £60 cashback for taking out a priviledge insurance policy via quidco.
    Last edited by Quentin; 12-02-2008 at 1:34 PM.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

308Posts Today

2,108Users online

Martin's Twitter