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    • MSE Martin
    • By MSE Martin 4th Oct 03, 5:14 PM
    • 8,111Posts
    • 42,248Thanks
    MSE Martin
    Car Insurance Tips & Tricks
    • #1
    • 4th Oct 03, 5:14 PM
    Car Insurance Tips & Tricks 4th Oct 03 at 5:14 PM
    My article on Car insurance - on how to cut the cost in four steps includes a list of hints and tips as well as the main system. If you have any additional tips or tricks (legal) for reducing car insurance, please write your information and experiences here, by clicking reply

    Read the full Cheap Car Insurance guide
    Last edited by Former MSE Dan; 18-01-2013 at 5:49 PM.
Page 9
    • dacouch
    • By dacouch 7th Jun 15, 8:09 PM
    • 20,493 Posts
    • 12,696 Thanks
    Incidently Insurers who offer cover through brokers and direct tend to offer wider cover through their broker products rather than the direct arms due to the reasons noted in the above post
    • G_M
    • By G_M 8th Jun 15, 11:59 AM
    • 44,452 Posts
    • 52,786 Thanks

    Gives details of cover, but bear in mind it can be easy for an insurer to achieve a high rating by tweeking the parts of the policy cover Defaqto rate.
    Originally posted by dacouch
    defaqto only seems to show very limited details of cover (around 5). You still need to plough through each policy document in turn to really compare.

    And I don't really understand what the defaqto star ratings are based on since a) the policy details they compare are so limited and b) often it's an optional add-on

    I've seen 5* defaqto policies with less cover than a 1*. How does that work? Unless they are looking at customer service too, which you say they don't.

    Ah well - you want research done do it yourself!
    • aidrenegade
    • By aidrenegade 19th Jun 15, 9:36 AM
    • 23 Posts
    • 6 Thanks
    Make sure you don't have an open claim!
    Make sure there is not an old claim left open even if you were not at fault. I was suprised to find Axa authorised a repair on my old vectra last October for £895 on a car with a declaired value of just £450. I thought this was all sorted last October. I only realised it was still open ( and the cost) when I got my proof of no claims (14 years) and esure put an extra £35 on the value of quote, meaning I might as well have stayed with Axa.

    This proved that your present insurance company will up your premium even though it's their job to recover costs when you were not at fault for the accident.

    In short, make sure a 'not your fault' claim is closed before your insurance renewal comes around. Also as you have to declair any accidents in the last 3 years I think my quotes will be higher even though I wasn't at fault which seems like another rip off.
    Aid Renegade
    • Quentin
    • By Quentin 19th Jun 15, 10:51 AM
    • 35,912 Posts
    • 20,184 Thanks

    ....In short, make sure a 'not your fault' claim is closed before your insurance renewal comes around. Also as you have to declair any accidents in the last 3 years I think my quotes will be higher even though I wasn't at fault which seems like another rip off.
    Originally posted by aidrenegade
    This is one of the reasons why you should consider only claiming off your own insurer when you are in any way to blame.

    You cannot "make sure" any claim is closed off prior to renewal, as your insurer will only close the claim (and more importantly restore any temporarily lost NCD) when they have been fully recompensed.

    (And check how long a history you are asked to give - the "norm" is 5 years rather than 3, but the range is 3/5 years dependent on which insurer you deal with)
    • rudekid48
    • By rudekid48 17th Aug 15, 2:33 PM
    • 2,082 Posts
    • 3,565 Thanks
    Aside from the obvious spam, your website breaches all kinds regulatory requirements. Data Protection for one.

    Also anyone handing over payment to a company that lists its address as a PO Box needs their head feeling.

    No company registration details, no VAT number (although you do add VAT to your charge), no privacy policy etc etc etc.

    The site isn't even secure!

    Bit of a joke really.

    Don't touch this with a barge pole people
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • ShawnSrour
    • By ShawnSrour 24th Dec 16, 6:34 AM
    • 1 Posts
    • 0 Thanks
    Designate Whomever You Want as the Beneficiary.
    While many people designate family or friends as beneficiaries, you do have the option of naming a charity or other non-profit organization as your beneficiary. As a final act of kindness on your part, you can help further research that leads to healthcare breakthroughs, provides for the less fortunate, or makes the world a better place.

    The bottom line is that everyone needs life insurance. Talk with an insurance agent today and explore the possibilities. Once a plan is in place, you’ll enjoy the peace of mind that comes with knowing there will always be cash in-hand to help with whatever happens after you pass on.
    • arkwrightinsurance
    • By arkwrightinsurance 20th Mar 17, 7:42 PM
    • 1 Posts
    • 0 Thanks
    Thanks for tips for Insurance I will join insurance before all these from Arkwright car insurance
    • Simonne15
    • By Simonne15 4th Apr 17, 11:37 PM
    • 9 Posts
    • 6 Thanks
    I used Go Compare because our previous police via RAC hadn't the option of adding cover for driving in the EU - even though we had done that previously. RAC do deals which may vary and be mire limiting than the actual provider e.g.Co-op. Via Go Compare we found an equivalent policy with the option to add trips in EU up to 180days at half the price that RAC quoted on renewal for shorter duration.
    • Matt Jones
    • By Matt Jones 8th Jan 18, 3:06 PM
    • 19 Posts
    • 40 Thanks
    Matt Jones
    Keeping track of when me and my family are all due to renew our insurance quotes can become a really time consuming task for someone with a large family like mine. Last year was the first time that I used fleet insurance and it provided such great piece of mind by allowing me to combine all the individual policies with one single renewal date. In addition, there’s plenty of comparison sites around such as Admiral or what I used was Fleet Compare which was of great help to me to make finding the best quote even easier.
    • ryanoverson
    • By ryanoverson 11th Apr 18, 4:36 PM
    • 1 Posts
    • 0 Thanks
    Telematics Car Insurance Savings
    I passed my test last year, checked on all the comparison websites for a general idea of price. For a Renault Clio, it was coming out over £1500 for standard insurance!! Do they think we're made of money?!

    Ended up going with in the end - came out just over £800 with the promise of a further discount if I drove well. They sent me driving updates every month on how I could improve my driving (which didn't really bother me because I wasn't too bad of a driver anyway). Overall got a 79/100 in my first year and saved £200 when I renewed so was pretty chuffed.
    I had a few reservations about going with a telematics company to begin with but I believe the savings were well worth the pitfalls.
    • arichekebab
    • By arichekebab 23rd Apr 18, 4:43 PM
    • 1 Posts
    • 0 Thanks
    Avoid Lancaster Insurance
    We have just sold our daughters Mini. I had it insured with Lancaster Insurance for 66 days for the purpose of selling it. The premium total paid was £253 for the year. They took £70 non refundable upfront admin fee. They took £50 cancellation fee. The underwriters judged £129 pounds of the premium cover had been used (66 days of 365!).

    My refund was £17. Robbing thieves. No recourse, but was offered a refund of the £50 admin if I insured our replacement vehicle with them. NOT A CHANCE.

    I also just sold our T4 Campvervan. This had been insured for 32 days with Safeguard / Swinton at a cost of £311. They charged £25 cancellation fee.

    My refund was £213. Reasonable deal. Would use them again.

    Last edited by arichekebab; 23-04-2018 at 4:49 PM.
    • annabel14
    • By annabel14 27th Apr 18, 6:36 PM
    • 161 Posts
    • 116 Thanks
    My son has a course to attend and has no car or insurance of his own.

    I am wondering if I ask the insurance company how much to add him for only two weeks they might b helpful or is there another cheaper way to do this....he is 31years old with full driving license...has no insurance as was covered on the policy of the company he previously worked for.

    Will even asking Sainsbury my insurers cause problems?

    Appreciate any advise.....thanks
    • Quentin
    • By Quentin 27th Apr 18, 6:47 PM
    • 35,912 Posts
    • 20,184 Thanks
    Won't cause any problems asking

    If this fails he can look at temporary insurance (Google will bring options,,)
    Last edited by Quentin; 27-04-2018 at 6:49 PM.
    • annabel14
    • By annabel14 27th Apr 18, 9:05 PM
    • 161 Posts
    • 116 Thanks
    Thank you Quentin ...they gave me a reasonable quote of £33 for the days he needs it....will making him the named driver for those days affect me in any way ?
    • Quentin
    • By Quentin 27th Apr 18, 9:08 PM
    • 35,912 Posts
    • 20,184 Thanks
    It will if he needs to make a claim or someone makes a successful claim against him!

    (Future premium increase and some loss of NCD if it's unprotected)
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