Car Insurance Time again

frank

frank

Suspended / Banned
Messages
2,498
Edit My Images
Yes
It's that time of year again for me, car insurance due soon.
I've done the main comparison sites for my car insurance I thought since changing from a old focus 1.8 deisel down to a 1 ltr 3 cylinder Fiesta my insurance would come down, no chance in fact it cost more. renewal for old deisel was £150, new fiesta renewal notice from current insurers (Saga)300 smackeroonies yeah right! I'd see the point if I was a new young driver but I've held a clean licence for 40 odd years and never claimed once.

Cheapest I've found is £170. on the comparison sites, I'm wondering if it would be worth my while calling some companies direct and hopefully avoid the commission comparison sites add on.

Anyone done this recently and got a good deal?

I know some will say £170 is not bad considering I dont pay road tax but you know us Scots, always on the lookout for a bargain ;)


Whoops! Sorry I posted this in the wrong forum, can a mod move it to
Out of Focus / General Discussion please, thanks.
 
Last edited:
Have a look on Top Cashback and see if you can get some extra cash by going through the cheapest and most reputable insurer from the comparison sites. You could try haggling direct but it'll no doubt frustrating and time consuming, life's too short in my view
 
Try Aviva, I get two cars for around £260
 
Sometimes it is worth a call directly - I tend to complete on line (not via comparison site) and see what / who gives best deal, also then worth a phone call as sometimes they can offer a better discount...
 
As above try Direct Line, Aviva and also try Top Cashback.

I moved from Direct Line to Aviva and saved about £200 and got £60 cash back.
 
hastings direct for me cheapest on compare the muppet.com
 
Add Churchill to the list. I just got my re-newal quote at £188. That's for a nearly new Honda Civic with the wife included and no claims insurance.

What I also like about them is they do not seem to play the add 20% on to last year's and see if they phone for a discount game. That quote was a 2% yoy increase.
 
zendog said:
Add Churchill to the list. I just got my re-newal quote at £188. That's for a nearly new Honda Civic with the wife included and no claims insurance.

What I also like about them is they do not seem to play the add 20% on to last year's and see if they phone for a discount game. That quote was a 2% yoy increase.
Click to expand...

Mine went up this year with Churchill, checked online and slightly less then the renewal, phoned them up and asked if they could do anything - gave me an extra discount for being with them a few years :D

Only thing I've found with them is they charge £26 to change your policy, which I did few months back when I swapped the car - was expecting a big hike in insurance cost - very happy and surprised then it was only another £40 for the year.

As I have been very pleased with them and when father in laws insurance was due, he's now gone with them - significantly cheaper than his previous insurance company renewal, he's just swapped his car this week, had to pay the £26 admin fee and they have also refunded him £36 as his new car is cheaper to insure :)
 
Our Churchill quote came through the other day, and it shocked me. Two drivers, no claims, 12 year old diesel Octavia - £350
I will be hunting tomorrow.
 
andy700 said:
Our Churchill quote came through the other day, and it shocked me. Two drivers, no claims, 12 year old diesel Octavia - £350
I will be hunting tomorrow.
Click to expand...
300 isn't criminal but just put all the details in go compare and see
 
Car insurance premiums have risen by at least 8% this year.
 
One of the top insurance CEO's said something about these 'introductory offers' to new customers being too low/loss leaders, which in effect pushes up the price for existing customers. Bit of a vicious circle which needs to stop.
 
I have been with direct line for years & my renewal came in to auto renew,glad i looked at it,it shot up to over £300.
I did the compare the market & LV were the top of the the list,£145 for my new insurance,sorted.:):D:banana:
 
I cant be arsed trawling the internet for car insurance.
I speak to a broker with my gob in person, ok it costs a few quid extra for their time and expertise but......life is too short for fannying about with that rubbish..:)
 
Well i saved more than a few quid.:banana::popcorn::D
 
Had our multi car renewal this year and it'd gone up by £60. Got a quote with someone else which was cheaper, phoned the current lot up and they matched it. Ended up saving money on the previous year.

It's ridiculous that they rely on people not challenging their renewal cost.
 
The cheapest I got 3 years was ago through my bank - Lloyds - and they have been the cheapest for the last 2 renewals without any haggling.
I still can't quite believe it, however they are not competitive for my home & contents insurance
 
Someone hit our car recently which we told the insurance company about. Now we have to declare on our insurance quote every year that we were hit and will now get charged more, even though it wasn't her fault.
 
joxby said:
I cant be arsed trawling the internet for car insurance.
I speak to a broker with my gob in person, ok it costs a few quid extra for their time and expertise but......life is too short for fannying about with that rubbish..:)
Click to expand...
Good for you u work in IT and sit on my arse most of the day so banging a few buttons into gocompare is p*** easy. Maybe you should try not trawling the Internet like in the 90s.
 
Matt- said:
Someone hit our car recently which we told the insurance company about. Now we have to declare on our insurance quote every year that we were hit and will now get charged more, even though it wasn't her fault.
Click to expand...
Did you find out who it was and claim off them or off your own policy? If the later then yes that is right. That is what insurance is for and you are the claimant. So you will have to declare it. Your insurer has taken a hit.
 
joxby said:
I cant be arsed trawling the internet for car insurance.
I speak to a broker with my gob in person, ok it costs a few quid extra for their time and expertise but......life is too short for fannying about with that rubbish..:)
Click to expand...
I can't be arsed fannying around talking to people on the phone and waiting for 20 minutes on hold listening to tinny music interrupted every 10 seconds by a message telling me how important my call is, much faster to type a few things into a web page and click a few buttons.
 
If you do things over the phone it's amazing how much they get wrong as well.
 
Takes me about 15 minutes to get insurance tops. Go to a comparison site and find the cheapest, then go to the Top Cashback site and go to the insurer from there, and buy it. Can literally be done in the time it takes my cup of tea to cool down enough to drink. Last year my van insurance was less than £280 and I got £55 cash back.
 
Mr Bump said:
Did you find out who it was and claim off them or off your own policy? If the later then yes that is right. That is what insurance is for and you are the claimant. So you will have to declare it. Your insurer has taken a hit.
Click to expand...

Someone bumped into the back of our car & tried claiming against us via his insurance. My insurer was going to call it a 50/50 :mad: Big do's & little do's, plenty of phone calls, a letter & a witness statement, they agreed no fault.....................but they put the renewal premium up & said it had to be declared for 3 years! 'kin b'sturds. :bat:
 
Mr Bump said:
Did you find out who it was and claim off them or off your own policy? If the later then yes that is right. That is what insurance is for and you are the claimant. So you will have to declare it. Your insurer has taken a hit.
Click to expand...

Yeah they stopped and exchanged details. The young lad admitted it was his fault etc. We phoned insurance when we got home and reported it but the lads dad asked if we would do it without claiming, which we understood and accepted.

So we cancelled the claim against the driver with the insurance and have done it privately. Insurance companies say we still need to claim that we've had a non fault accident which puts our insurance up.
 
Random, I tell you. Random.....

All for the same car. All class 1 business use. All for the same driver/mileage/storage location.

3 big comparison sites (there was a 4th which was similar) plus my renewal - which is the only one to protect NCD. I renewed with my current guys ;)

gocompare.jpg confused.jpg compare.jpg renewal.jpg
 
Just insured our "new" second car this weekend (Alfa GT). Our existing insurer quoted £600 when I phoned them up last week.
About five minutes on the Meerkats (Comparethemarket) site, came up with fully comp quotes of around £260 for the OH and me, and surprise, surprise, me existing insurer was there as well with a quote of £350.
It has to be online every year for me from now on.
 
You must log in or register to reply here.
Back
Top