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

Search
Page 12
    • CelineDior
    • By CelineDior 13th Oct 18, 2:01 PM
    • 3 Posts
    • 0 Thanks
    CelineDior
    How I Saved Money on my Car Insurance
    Hi everyone!

    My name is Celine and this is my first post on a MSE forum so please bare with me

    So a few weeks ago I came across a post on my facebook from a company called Simply Car Insurance (SCI) about saving at least 10% on my car insurance . I have only been driving for two years now and my renewal was coming up so I thought I would click on the link and get a quote. Even if it didn't come up cheaper, it was still worth the try I thought. It's always good to look around for the best deal anyway.

    When I reached the site it asked me to get a quote on a comparison website, so I did on compare the market, and my cheapest quote was £750 with a blackbox with Admiral, so only about £80 cheaper compared to what I paid last year.
    I went back to the SCI website to get my quote. They asked me if I had a referral code so I entered the one I saw on Facebook which was 9462. So once I put in all the information to get the quote, the site basically said that I would get an email come through in about 5 or 10 minutes with a quote.
    I got the email quiet quick and they had actually saved me just over £60!

    Okay, so when you're looking at an amount like £750, a £60 saving might not be considered an awful lot depending on your circumstances, and its only about 8.5% rather than 10% (I didn't do the math so sorry if thats wrong), but I would definitely rather pay the £687 they quoted me than £750.
    The best thing for me was that I wouldn't have to have a black box so now I feel more free!

    I would definitely recommend at least getting a quote, especially if you are a relatively new driver or if you have just passed your test. Even if they can't beat your quote from the comparison website, its still definitely worth a look.

    Again, the referral code was 9462 (which I recommend using as they might give you a better quote for using a referral code).
    Unfortunately because I am a new user, I cannot post the website :embarrassed: but you can still find it by typing scionline, and it is a co.uk website, so dont forget that either aha!
    Once I am allowed, I will see if I can edit this post to include the actual link to save you effort

    Post a reply if they save you money as well as I would actually really like to hear how much other people as saves as well by going with simply car insurance
    Celine Dior
    • cairndog
    • By cairndog 1st Dec 18, 8:50 PM
    • 210 Posts
    • 111 Thanks
    cairndog
    Possible Car Write-Off. Help Needed Please
    I recently had a shunt when turning out of a side turning and due to the age(16yrs) and damage my insurance company say it's a write-off and will now affect my 10yrs no claims as it's my fault.


    I have a fully comp policy which adds no benefit in this case.


    If I decide not to claim I will still have to insure the safely repaired car with another company.


    How will this affect my next policy as they always have contact with your previous insurer ?
    • Kernel Sanders
    • By Kernel Sanders 5th Dec 18, 12:44 AM
    • 3,437 Posts
    • 1,411 Thanks
    Kernel Sanders
    The best thing for me was that I wouldn't have to have a black box so now I feel more free!
    Originally posted by CelineDior
    More free to do what?
    • fatbelly
    • By fatbelly 5th Dec 18, 5:05 AM
    • 13,736 Posts
    • 10,800 Thanks
    fatbelly
    More free to do what?
    Originally posted by Kernel Sanders
    Celine needs to be careful that her "Heart Will Go On"
    • supremetwo
    • By supremetwo 22nd Dec 18, 8:03 PM
    • 30 Posts
    • 14 Thanks
    supremetwo
    £60 M&S voucher via Age Co
    Anyone else tried this MSE link?

    https://www.moneysavingexpert.com/redir/91f037c9

    For us, it was three times several lowest quotes from any other comparison site.
    • DaveO
    • By DaveO 22nd Feb 19, 10:52 AM
    • 55 Posts
    • 34 Thanks
    DaveO
    Just got my renewal quote £216.

    Went through quidco which is offering cashback via GoCompare and found the exact same policy with the same insurer for £172 and that is before the cashback (which of course may or may not track) so it's still considerably cheaper.

    I know from past experience the insurer will not match the £172 never mind the extra £28 cashback so the question is this:

    Can I cancel my existing policy (i.e. tell them not to auto renew it) and then buy the same policy with the same insurer via quidco/go compare?
    Last edited by DaveO; 22-02-2019 at 11:08 AM. Reason: spelling
    • pkempc
    • By pkempc 24th Feb 19, 4:01 PM
    • 123 Posts
    • 41 Thanks
    pkempc
    Many thanks for the Car Insurance cost cutting system which i spent a few hours following to the letter.

    Last year my wife and I insured our respective cars separately with Halifax ( BISL ) and we paid
    a total of £313.72 as 'new' customers. This year they increased the premium by 26 % to £ 396.64.

    This year by following the guide I have managed to get both vehicles insured with Admiral for £ 279.00 plus Quidco cashback of at least £20 ( Confused.com) and possibly a further £ 55.00 ( Admiral ) still to be confirmed.

    So a saving of at least £ 117.64 by not autorenewing and spending a few hours shopping around.

    However, please do be careful when keying in figures as I mistakenly thought my wife had 9 years NCD - the same as me - but she actually has 7 and when Admiral recalculated her premium it led to no difference in the price but Admiral asking for a £ 30 administration charge..........



    FROM: Admiral.com customer service
    Thu 21/02/2019 14:32

    Hello Karen,
    Important information about your policy
    Thank you for providing some details of your proof of No Claims Bonus. A discrepancy has been highlighted in regards to your no claims bonus.
    In order to confirm your details, we would be grateful if you could send us a copy of your no claims bonus from your previous insurers within 14 days.
    If we do not receive this document by 07/03/2019 we will reduce your no claims bonus entitlement to 7 years which may increase your premium.
    If there is an additional premium we will apply for the payment 14 days after the change has been made from the card details we hold on file.

    Yours sincerely,
    Data Validation Team

    TO: validations@admiralgroup.co.uk.
    Thu 21/02/2019 17:43

    Apologies - I thought my wife also had 9 years NCB at renewal but according to Halifax ( BISL ) it's only 7 years.
    Please advise what the new premium is.
    Many thanks.
    Paul

    FROM: Admiral Validations
    Fri 22/02/2019 08:21

    Hi,
    Thank you for sending your requested documents to us. To ensure we have the correct information to match your documents we have had to make the following changes to your policy;
    Amended the No Claims Bonus for Karen from 9 years to 7 years.
    This has resulted in an additional balance of £30.00 being applied to your policy. This charge includes an ‘administration fee’ of £30.00. We will debit from the payment details we hold on file on, or shortly after, 08/03/2019. This can take 3-10 days to clear with your bank.
    Confirmation of these changes have been sent in the post and can take 3-5 working days to reach you.
    Yours sincerely
    Data Validation Team

    To: customerassurance@admiral.com ; validations@admiralgroup.co.uk.
    Sent: 22 February 2019 09:56:25

    Many thanks for the email message.

    I note that the difference in the price of the policy for my wife, after changing from 9 years NCD to 7 years NCD, is £ 0.00 and that you have simply added an arbitrary penalty fee of £30.00.

    This I feel is wholly disproportionate and as the policies do not take effect until 00:00 hrs on Sunday 24th February 2019 and I am still within the 14 day statutory cancellation period please can you cancel both the policies for myself & my wife and refund in full the amount already paid.

    I will arrange cover with another motor insurance underwriter.

    Or you can simply not apply the £ 30.00 arbitrary penalty fee......!

    Please advise me on your decision.

    Regards
    Paul

    FROM: Admiral Validations
    Fri 22/02/2019 10:05

    Hello
    Thank you again for your recent email.
    We apologise for this error. As your policy is due to renew on the 24/02/2019 you shouldn't be charged an administration fee for reducing your wife's No Claims Bonus.
    We have written off the £30.00 charge off the policy and there are no further payments on this policy.
    Yours sincerely
    Data Validation Team
    Assume 1st – then check the facts!
    • AlexDao
    • By AlexDao 28th Feb 19, 1:39 PM
    • 7 Posts
    • 0 Thanks
    AlexDao
    Hi

    Wasnt sure if this was the best place to ask but hope someone can help!

    I have a lease car which is due to go back at the end of april.
    My car insurance (as i transferred it from my old car) ends mid march.

    Whats the best way to bridge the gap between march and the end of april?
    I may not have a car immediately once I return the current lease so not sure i want to be tied in for too long unnecessarily.

    thanks!
    • Quentin
    • By Quentin 28th Feb 19, 2:39 PM
    • 38,791 Posts
    • 22,744 Thanks
    Quentin
    Your choice is either short term cover for the 6 weeks or an annual policy to cover the 6; weeks which you can cancel then if you have no planned replacement

    If you don't replace within a fairly short time scale most insurers will cancel the policy and cancellation fees are quite steep after just 2 months cover.

    Enquire about the total cost of cancellation after just 2 months from your chosen insurer then do the sums v temp cover to aid your decision
    • hammerplanner
    • By hammerplanner 19th Mar 19, 10:06 PM
    • 1 Posts
    • 0 Thanks
    hammerplanner
    Recently got quotes from moneysupermarket.com in advance of buying a new car. Several quotes apparently from different providers (Lloyds, Post Office, Halifax M&S, O2, RAC etc. - all one side or the other of £250. A few days later I was then advised car would be available a day earlier than I thought when getting quotes, so went back to sign up for earlier date. Nothing else changed, apart from filling a mobile telephone number I was advised I had missed off my original submissions. Final act of confirming the purchase requires confirmation of the month of acquisition of the car. Click to confirm and then, as requested, click update and ....... premium goes up to over £400. This happens on all of the half dozen most competitive quotes. All are provided by BISL/Covea.

    Called Lloyds helpline who basically said sorry, nothing to do with us, it's all down to the provider, who can change quotes at will. The statement "valid for 30 days" doesn't mean the quote will hold, merely that they'll keep your details live for that long. So it seems if you get a good quote by following the early renewal route recommended then you have to commit to it there and then or you can be shafted by BISL/Covea. I went to Direct Line at just over £300 - straightforward and easy. Not impressed with supposedly "competitive" market quotes all provided through BISL/Covea.
    • Evzed
    • By Evzed 20th Mar 19, 10:21 AM
    • 2 Posts
    • 0 Thanks
    Evzed
    I have 4 cars and house insurance all on one policy with Admiral,the renewal came through a few weeks back and it came to £1149 including the monthly direct debit charge so around £96 per month.
    I thought to go through the process of getting quotes for 4 cars and the house was a bit daunting, so I rang Admiral first and yet again they provided excellent customer service and without begging, swearing or threatening to leave,I was offered a review on the policy to see what they could do, and they did very well.
    I took Martins advice and took out the Sainsbury’s 28month interest free credit card as I am very disciplined when it comes to paying my 2% cash back Barclaycard which I use for fuel every month.
    I paid for the policy in full for a total of £824 saving a whooping £325 which is pretty darn good for house and contents and 4 cars they apply more discounts the more you insure and are always happy to try and get you a better price unlike LV who I used to be insured with several years ago.
    Big thank you to Martin and Admiral for appreciating my custom
    • condoghost
    • By condoghost 20th Mar 19, 1:43 PM
    • 65 Posts
    • 19 Thanks
    condoghost
    I've been quoted £203 by One Call, including breakdown cover and with only £100 excess charge. I'm going to take it. I've spent so many hours trying to find the very best bargain, and be smart and clever, I'm exhausted. I can't get any money back from a money back site because One Call isn't registered with them but that's okay. I reckon that's not a bad price for insurance, legal cover and breakdown cover. But some insurance companies are so greedy. And I'd not claim anyway if I could help it because of having to pay the excess. Talk about a racket. It's really time that we in the UK started a revolution.
    Originally posted by MalMonroe
    Yes, a revolution, or better still just one that is head and shoulders above the rest in terms of price and cover.

    My renewal with OneCall is around that price. Interestingly they didn't show up on any comparison listings this time around.

    Anyway, I've gone with AA this year given it works out £1 cheaper including Vehicle + National Recovery + At Home + Onward Travel which is better value all in than with OneCall whose breakdown cover is limited.

    Two things that are annoying ...
    1) Auto renewal: We purchase our policy online so why is it we are provided a means to cancel auto renewal of car insurance and breakdown direct debit online too?
    2) Fees: When we look at what we are paying we end up paying fees of around 25% every time and impossible for us to find a way of purchasing the same policy direct.

    So, in my case it works out around £125 for the insurance, around £25 for fees, and £60 full breakdown cover.

    It takes time to follow MoneySavingExperts guide but it is well worthwhile even though we clearly see now that "fees" push up the cost.
    • condoghost
    • By condoghost 20th Mar 19, 2:21 PM
    • 65 Posts
    • 19 Thanks
    condoghost
    Recently got quotes from moneysupermarket.com in advance of buying a new car. Several quotes apparently from different providers (Lloyds, Post Office, Halifax M&S, O2, RAC etc. - all one side or the other of £250. A few days later I was then advised car would be available a day earlier than I thought when getting quotes, so went back to sign up for earlier date. Nothing else changed, apart from filling a mobile telephone number I was advised I had missed off my original submissions. Final act of confirming the purchase requires confirmation of the month of acquisition of the car. Click to confirm and then, as requested, click update and ....... premium goes up to over £400. This happens on all of the half dozen most competitive quotes. All are provided by BISL/Covea.
    Originally posted by hammerplanner
    Yes - the "Golden Rule": Beware - checking for quotes more than once even a few days apart these websites "remember"; fishing for better prices by changing something - even just a mobile number.

    What I do throughout the day is clear my browser cache and remove all cookies, and - most important - at end of day after closing my browser I go to the folders Temporary Internet Files ["C:\Users\[Name]\AppData\Local\Microsoft\Windows\Temporary Internet Files"] and App Data Local Temp Files [C:\Users\[Name]\AppData\Local\Temp] and manually delete all folders and files listed there.

    I've actually done this between getting quotes and seen the rise reset back to what it was earlier though of course we also must keep in mind that getting a new online quote doesn't guarantee no change.

    The statement "valid for 30 days" does work, it's all a question of using that original link for the specific policy listed in the email the comparison website sent to you or retrieved on the comparison website.
    • condoghost
    • By condoghost 20th Mar 19, 2:40 PM
    • 65 Posts
    • 19 Thanks
    condoghost
    The Cheap Car Insurance guide is a godsend. It takes time but I'm sure we all are thankful this guidance exists.

    On the "fun" side, have a look at some of the quotes from these comparison sites listed at the very end

    MoneySuperMarket Car Insurance ...
    Top of the list: £144.35 Voluntary £250 Compulsory £150
    Last on the list: £1,883.16 Voluntary £0 Compulsory £3000
    The cars is only worth £1,800.00
    • ask66
    • By ask66 12th Apr 19, 9:03 AM
    • 80 Posts
    • 39 Thanks
    ask66
    Hi all, I noticed yesterday that Confused.com are offering a £20 Texaco fuel voucher for all car insurance policies taken out via their site until 31st May 2019.
    • dj1471
    • By dj1471 17th Apr 19, 7:42 PM
    • 1,648 Posts
    • 1,156 Thanks
    dj1471
    Hi all, I noticed yesterday that Confused.com are offering a £20 Texaco fuel voucher for all car insurance policies taken out via their site until 31st May 2019.
    Originally posted by ask66
    Yes, or you can get £30 cashback via TopCashback/Quidco. Sadly you can't get both.
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

255Posts Today

2,634Users online

Martin's Twitter