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    • staceydee
    • By staceydee 30th Sep 17, 2:26 PM
    • 18 Posts
    • 1 Thanks
    staceydee
    please help
    i have just had a renewal through for car insurance for £1120 i have compared all the sites as well as also using the ones that dont use comparison sites and they are all coming up more expensive than my renewal.

    i then called esure my renewal company to add my speeding points on which i have never had which were 3 points. he then told me that means it will go up another £395
    therefore my car insurance is now £1537

    i am 37 years old 10 years driving and 8 years no claims
    i am only driving a bmw 118d so nothing too fast

    also on my renewal are 2 notes from a bump i had where the man accepted responsibility and insurance all went through his insurance
    and also i scraped my car on a railing but paid for this our my own pocket

    i have just asked for a quote on hastings and they advised they would not insure me - however when i took off those 2 incidents above it gave me a price with my 3 points of £817???

    how can this be

    please help i really dont understand why it is so high

    thanks
    stacey
    • charlieheard
    • By charlieheard 6th Nov 17, 6:03 PM
    • 518 Posts
    • 151 Thanks
    charlieheard
    New driver woes
    DD1 passed her test over a year ago. I went to the price comparison sites and got a great deal with Diamond (part of Admiarl) to put her on a Yaris with SWMBO and me. Our insurance went up from £250 to £750, which wasn't too bad. When the renewal came through, the price comparison sites were suggesting at least £1500, while DD1 had been driving for a year. We renewed with Diamond for £850, which was still a significant rise when the cost should in theory have dropped.

    Last week DD2 passed her test and we tried to add her to the Diamond policy. They wanted an extra £3000 for the eight months remaining. So I looked at multi-car policies. We've recently bought a third car, as DD1 now has a job which needs transport, and it saved shuffling who had which car when every day. That meant we had to take out a completely new policy with zero no-claims discount. Surprisingly, Admiral were best. It turned out cheapest to insure DD1 as the main driver on the Yaris, with the 3 of us as named drivers - it cost less than £2000, which is still a lot, but is much less than Diamond wanted and gets her started on a no-claims discount. The third car meant we got a discount on the other 2, so it only cost us £50 extra for the new car! Best of all, Admiral waived the cancellation fee on the Diamond policy as we were bringing them new business. So we saved loads of money by staying with the same group - even though we actually spent quite a lot
    Jumbo

    "You may have speed, but I have momentum"
    • robertoegg
    • By robertoegg 21st Nov 17, 8:57 PM
    • 74 Posts
    • 12 Thanks
    robertoegg
    Car Insurance for relative who will pass away soon
    I hope someone can offer some advice - my father's car is about to fall out of insurance, however, he is in hospital with what appears to be a rather aggressive lung cancer. We are having discussions about palliative care and the like. Clearly he will not use the car again, however, I don't want to get rid of it yet nor leave it uninsured.

    Can I insure it myself? Can it be deemed to be effectively off-road? It sits in a locked garage (and has a flat battery lol!)...

    Your thoughts on a cost effective solution would be appreciated, thanks.
    • AlT
    • By AlT 3rd Dec 17, 2:02 PM
    • 2 Posts
    • 0 Thanks
    AlT
    Comparison sites differences
    Followed you advice of the comparison websites and wow what a difference in price particularly from the same insurance company. Your number 1 choice of comparison site Money Supermarket cheapest quoted £301, Confused.com quoted £246, Go Compare quoted £393 and Compare the Market quoted £286. Apart from Go Compare the others all quoted cheapest for the same insurance company with identical policies.
    Well wasnít hard to choose which site I went with.
    • schiff
    • By schiff 25th Jan 18, 10:03 AM
    • 17,969 Posts
    • 9,355 Thanks
    schiff
    My premium has gone up by 50% from last year. I've had no claims, nothing affecting the terms of the policy. I do about 5K miles per annum. All the comparison sites produce much larger figures. I've not tried haggling yet but I really can't understand the rationale about the big percentage increase which is a lot more than the general reports on the topic suggested they would be.
    • Quentin
    • By Quentin 25th Jan 18, 11:26 AM
    • 35,808 Posts
    • 20,058 Thanks
    Quentin
    Maybe to do with your age?? (That's changed since last year)


    Or increased claims in your neighbourhood??
    • mathew1971
    • By mathew1971 30th Jan 18, 9:53 AM
    • 21 Posts
    • 6 Thanks
    mathew1971
    aviva
    Be careful with Aviva they are crafty.

    I received my renewal for £177.00 - i knew using cashback sites i could get better and got 3/4 companies quoting around the same price via comparison sites all with approx £30-£50 cashback.

    I then tried Aviva as a new quote via TCB - exact same details as my renewal and price quoted was £241.00 !!!!! - cashback was £50

    I then cleared all cookies etc and tried another new Aviva quote but not via a cashback site and again all the same details etc and price came through at £197.00 ???

    Quite how they can quote three such varied prices for exactly the same policy within the space of a few minutes is beyond me. Pretty obvious that if you use the cashback website Aviva system inflates the price to compensate so in effect you are getting nothing as its virtually just as cheap to not use the cashback.

    Probably worth checking when you use other insurers as pretty sure they all try these dirty tricks.
    • schiff
    • By schiff 30th Jan 18, 10:30 AM
    • 17,969 Posts
    • 9,355 Thanks
    schiff
    My premium has gone up by 50% from last year. I've had no claims, nothing affecting the terms of the policy. I do about 5K miles per annum. All the comparison sites produce much larger figures. I've not tried haggling yet but I really can't understand the rationale about the big percentage increase which is a lot more than the general reports on the topic suggested they would be.
    Originally posted by schiff
    Tried to find out exactly what has caused the 50% increase with no success. The increase in the IPT was mentioned but that's tiny. It was suggested that there have been extra claims with my model of car, a bog standard diesel, or my area, a very quiet residential suburb. Couldn't get further than that. With my pressure the increase was reduced by £50 so I accepted that, the other premiums I had got via comparisons were well over it.

    They keep it a secret how they arrive at premiums, it's a racket but what can you do! I never do insurance on fridges, etc where it's not obligatory, but you can't escape this.
    • silvercar
    • By silvercar 30th Jan 18, 5:40 PM
    • 37,302 Posts
    • 157,147 Thanks
    silvercar
    Just reduced admiral multi car for 2 cars, from £1080 to £909.

    I got quotes from confused.com and then phoned admiral.

    • pastaman123
    • By pastaman123 31st Jan 18, 11:25 AM
    • 2 Posts
    • 0 Thanks
    pastaman123
    I'm with Hastings who gave me a staggeringly good price of £236 last year for a Range Rover Auto Sport. 5 star Defacto as well. It seemed too good to be true and sure enough when the renewal notice came last week it had gone up to £336 (still good compared to what the sites could offer) - a 55% increase for no apparent reason. I'm retired, do 7k miles per year and haven't ever claimed. I rang and eventually they came back with £306 which I've taken. There is no logic or reasoning to premium prices SO NEVER EVER AUTO RENEW.
    • pastaman123
    • By pastaman123 31st Jan 18, 11:42 AM
    • 2 Posts
    • 0 Thanks
    pastaman123
    Cookies
    How do you clear cookies?
    • schiff
    • By schiff 31st Jan 18, 12:23 PM
    • 17,969 Posts
    • 9,355 Thanks
    schiff
    I'm with Hastings who gave me a staggeringly good price of £236 last year for a Range Rover Auto Sport. 5 star Defacto as well. It seemed too good to be true and sure enough when the renewal notice came last week it had gone up to £336 (still good compared to what the sites could offer) - a 55% increase for no apparent reason. I'm retired, do 7k miles per year and haven't ever claimed. I rang and eventually they came back with £306 which I've taken. There is no logic or reasoning to premium prices SO NEVER EVER AUTO RENEW.
    Originally posted by pastaman123
    Our facts and figures coincide almost exactly!

    The retired are broadcast as being a lot better off than most, so they have probably concentrated their big increases where the money is!
    • x-caitlin-x
    • By x-caitlin-x 31st Jan 18, 12:38 PM
    • 249 Posts
    • 212 Thanks
    x-caitlin-x
    Just got my renewal notice, and my premium has increased by around £10. Not a big surprise, as I've moved and the new area has (very slightly!) higher crime rates reported than the old area. I've had the same insurance provider for 4 years, and every year my renewal amount has been significantly higher than the amount I'm quoted online. Every year I've called them, and they've matched the online quote.

    So it was a big surprise this year when I went onto the comparison websites and found that the cheapest online quote I could find was double my renewal premium. Not quite sure why the online quotes are so much higher this year, but I'm hoping it means my insurer has decided to reward loyalty for once! Will still check next year, of course
    • silvercar
    • By silvercar 31st Jan 18, 8:17 PM
    • 37,302 Posts
    • 157,147 Thanks
    silvercar
    How do you clear cookies?
    Originally posted by pastaman123
    Depends on which browser you use, but it's generally in your settings somewhere.

    Try googling how to delete cookies in IE/ chrome/ firefox or whatever you use.

    If that doesn't work for you then just use a different browser.
    • andybrock
    • By andybrock 3rd Feb 18, 5:53 PM
    • 140 Posts
    • 33 Thanks
    andybrock
    How do you clear cookies?
    Originally posted by pastaman123
    Use this:

    http://www.cybertronsoft.com/products/privacy-eraser/

    • SpreadPyar
    • By SpreadPyar 12th Feb 18, 6:17 PM
    • 227 Posts
    • 525 Thanks
    SpreadPyar
    Could some one please help me here,

    My current insurance is up for renewal on 20th Feb and is on auto renewal from Debenhams, I have found my insurance on GoCompare is £115 lower. Plus I want to chance the £45 Cash back with GoCompare if I go via Quidco. Even if it doesn't track the CB I will be £115 better off.

    I don't want to call them because even if they agree to the comparison price and lower their current quote I might loose out out on the CB.

    My dilemma
    Shall I cancel 1st then renew
    or
    Shall I renew 1st then cancel the auto renewal.

    ****GOOD News****
    Phoned Debs who not only dropped the quote they gave(£565) to price on GoCompare but also agreed to drop £25 the TCB's £25 they were going to pay us. Guess they saved twice on commission

    So ended up paying £386 a diff of £180'sh

    One quote I learned in this country(UK)
    'You don't get what you don't ask'

    So don't be afraid to ask anything the worst they are going to say is a big fat No
    Extra info
    Also I found out after reading a post that the price of the car can affect the premium as well, so I dropped the price by £1k dropped the price of premium by £28.

    The price I reduced it to was given on multiple comparison site to be near to £3k, but if I sold it privately would be near the £4k so I had been putting in £4k. Only a couple of months ago it was near the higher end of £4k.

    So 2nd dilemma

    What is the best price to put. Will I loose out in an event of an accident if I put in £3k and pay lower premium.

    PS The car price is dictated by the market value and insurance company will not budge from that unless you can agree a value other than(of course higher than the MV) prior to starting the insurance.

    Thanks in adv.
    Last edited by SpreadPyar; 17-02-2018 at 11:18 AM. Reason: Happy update
    • katsoocam
    • By katsoocam 12th Feb 18, 8:32 PM
    • 12 Posts
    • 46 Thanks
    katsoocam
    Good result today for my hubby. He got quoted a renewal for his insurance of £415 - actually a reduction of £45 from last year. He went on all the comparison sites and the only thing cheaper, was, ironically, the same company for a new customer at 369.44. He rang to ask them to do the same price as the new customer deal and they knocked another £25 quid off that price. Result!
    • jj-est
    • By jj-est 12th Feb 18, 10:47 PM
    • 1 Posts
    • 1 Thanks
    jj-est
    I took the MSE advice on car insurance this weekend.
    As Compare the Market is recommended I went to that site. It would be good if your advice included cost the purchaser has to pay for using comparison sites - Compare the Market took a £30 'introduction fee".
    The quote I settled on was with BeWiser - comprehensive insurance at £307 pa because it offered all the 'extra services' in one package without having to pay additional charges.
    This evening I got a phone call from the company asking me for an extra £203 because although I had clearly told them I had only one year's no claims bonus, according to the caller 'the comparison sites automatically discount on the no claims bonus's of the other vehicles at my home (my son's car and my partner's company car - on which I am named driver).
    I argued that I had clearly stated my one year no claims her response was that I could cancel the insurance for £1-30p but what about the £30 'introduction fee' - Two days insurance for £31.30 is a rip-off .
    I am still waiting for a supervisor from the insurance company to phone back but was told my insurance was reduced to 3rd party until I paid the extra. I feel duped : (
    Last edited by jj-est; 12-02-2018 at 10:51 PM. Reason: to improve grammar and punctuation
    • accorian
    • By accorian 17th Feb 18, 2:46 PM
    • 7 Posts
    • 16 Thanks
    accorian
    * Be wary of Direct Line and its Amazon promotion*
    We've just gone through the Direct Line hoops, laboriously filling in an online form which wants us to state the value of our 3-year-old car --why? The insurer will only pay out, in the event of total loss, at the figure the insurer itself decides is the market value, not us -- and then gives us an idiotic "options" menu to check in regard to any accident we've had in the past 12 months.

    Well, um, yeah. A vehicle collision did indeed occur. Except we weren't even there: our car was parked in a supermarket car park and when we returned from shopping, we discovered that some unknown berk had gouged one side of it with his / her vehicle, either getting into the adjacent space or exiting from it.

    DirectLine gave us but one option in regard to this: we had to tick the box that said there'd been a no-blame accident caused by a third party and that recovery was still O/S.

    What, one might ask, is O/S? Still outstanding?? But it'll ALWAYS be still outstanding. We have no idea who perpetrated the damage, nor does our existing insurer. As it was, we filed a claim under our comprehensive policy (with 6 years' NCD, according to our existing insurer's NCD calculations) and chucked in £200 excess towards the cost of repairing our car. (Incidentally, our existing insurer, Co-op, was absolutely. . . brilliant in handling this claim: very sympathetic, very supportive, and very, very quick in sorting everything out.)

    Car park scrapes involving absolutely unknown third parties are a commonplace in the UK and DirectLine well knows that. Yet in allowing no way at all for a proposer to actually provide details, DirectLine hasn't a clue what the accident was nor why recovery isn't so much "O/S" as utterly impossible. We have, in effect, had to confirm that we have had an accident -- when we haven't: our car was hit when we weren't anywhere near it -- and to indicate that in some way or other, "recovery" of costs is still pending. What nonsense. If Direct:Line was remotely interested in developing accurate data on which to assess risk, it would do as other insurers do and ask for that information. But evidently, that's too much trouble.

    We were drawn to DirectLine because of the way its current offer is highlighted in the MSE car insurance article: a £45 Amazon Gift Voucher. Yes, well . . . by some stunning coincidence, we've now established, from competitive quotes, that DirectLine's quote is -- you guessed it -- around £50 more than anyone else's. Including the renewal premium being sought by our existing insurer. Could it be that DirectLine is inflating its quotes by the amount it claims to be offering back to new policy holders? Perish the thought. . .
    • Quentin
    • By Quentin 17th Feb 18, 4:18 PM
    • 35,808 Posts
    • 20,058 Thanks
    Quentin
    Your claim was a "fault" claim (fault meaning your insurer had to pay out as damage caused by unidentified third party rather than "blame")


    That claim must be disclosed to all other insurers you approach for quotes (you not being anywhere near the car at the time the damage was caused is irrelevant as far as having a loss/claim on your record to disclose)
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