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It Pays To Compare
StuartBu
post Mon, 4 Jun 2018 - 13:05
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With it being 11 days to Car Insurance renewal time and me having been lackadaisical in previous years by just accepting the renewal figure offered to me I decided to do a check with several comparison sites .

I'm presently with Churchill so I started off with uswitch then tried two or three others . using the same specs as I have at present with Churchill Quote Me Happy came first with General Accident next on all sites and both were about half of what Churchill wanted . I also tried Direct Line but something ( cant remember what) put me off them . Churchill was nowhere in sght so either they were way behind costwise or else they dont use comparison sites so it's Bye Bye Churchill it appears .

Ive never heard of Quote Me Happy but GA is a well known insurer ...so it does appear to make sense to compare .

This post has been edited by StuartBu: Mon, 4 Jun 2018 - 13:37
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post Mon, 4 Jun 2018 - 13:05
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DancingDad
post Mon, 4 Jun 2018 - 13:16
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Absolutely.
Always compare.
Usually a reasonable saving over auto renew figures.
Having found the one you decide to go with, phone them and negotiate, that often saves some more.
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typefish
post Mon, 4 Jun 2018 - 13:31
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Before my last renewal cycle, I usually just called up my insurer and said "hi, your quote is frankly ridiculous, reduce it please" and would often get about £500 off of the premium

And this was without having to get any optional extras removed from the policy. Just did it.
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Trampilot
post Mon, 4 Jun 2018 - 13:36
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If you have two cars having a multi-car policy adds some leverage too.

I could get my wife's Audi A3 a lot cheaper elsewhere but my Santa Fe was ok for renewal. However losing one of the cars off the policy lost the multicar discount so my premium went higher.

Told the current insurer I'll have to move both cars unless they can do better over all. Ended up paying less than I did the year before.
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cp8759
post Mon, 4 Jun 2018 - 14:22
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Call Adrian Flux, they normally beat the comparison sites by some margin.


--------------------
I am not on the "motorists's side", nor am I on the "police/CPS/council's" side, I am simply in favour of the rule of law.
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southpaw82
post Mon, 4 Jun 2018 - 15:02
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QUOTE (typefish @ Mon, 4 Jun 2018 - 14:31) *
Before my last renewal cycle, I usually just called up my insurer and said "hi, your quote is frankly ridiculous, reduce it please" and would often get about £500 off of the premium

And this was without having to get any optional extras removed from the policy. Just did it.

£500 off? I don’t pay more than that fully comp!


--------------------


Any comments made do not constitute legal advice and should not be relied upon. No lawyer/client relationship should be assumed nor should any duty of care be owed.
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DancingDad
post Mon, 4 Jun 2018 - 15:13
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QUOTE (southpaw82 @ Mon, 4 Jun 2018 - 16:02) *
QUOTE (typefish @ Mon, 4 Jun 2018 - 14:31) *
Before my last renewal cycle, I usually just called up my insurer and said "hi, your quote is frankly ridiculous, reduce it please" and would often get about £500 off of the premium

And this was without having to get any optional extras removed from the policy. Just did it.

£500 off? I don’t pay more than that fully comp!


Was thinking that..... both my car and wife's would be about 40 quid to insure after £500 discount.
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typefish
post Mon, 4 Jun 2018 - 15:22
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Yeah, that's what happen when at the time you're 23 and are renewing a policy that contains both an 320d touring and my dad's X4 on the same multicar policy.

Actually, I lied about it being a £500 discount, it was nearer £600.

Went from £1900 for both of us to £1300 with no policy amendments.

Never paid less than £900 for insurance and as such I don't feel anything for those who have cheaper insurance, because I'm just used to it™
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cp8759
post Mon, 4 Jun 2018 - 16:08
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QUOTE (DancingDad @ Mon, 4 Jun 2018 - 16:13) *
QUOTE (southpaw82 @ Mon, 4 Jun 2018 - 16:02) *
QUOTE (typefish @ Mon, 4 Jun 2018 - 14:31) *
Before my last renewal cycle, I usually just called up my insurer and said "hi, your quote is frankly ridiculous, reduce it please" and would often get about £500 off of the premium

And this was without having to get any optional extras removed from the policy. Just did it.

£500 off? I don’t pay more than that fully comp!


Was thinking that..... both my car and wife's would be about 40 quid to insure after £500 discount.

I wish I could have £500 off, would result in the insurance company paying me almost £200 a year!


--------------------
I am not on the "motorists's side", nor am I on the "police/CPS/council's" side, I am simply in favour of the rule of law.
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southpaw82
post Mon, 4 Jun 2018 - 16:53
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QUOTE (cp8759 @ Mon, 4 Jun 2018 - 17:08) *
QUOTE (DancingDad @ Mon, 4 Jun 2018 - 16:13) *
QUOTE (southpaw82 @ Mon, 4 Jun 2018 - 16:02) *
QUOTE (typefish @ Mon, 4 Jun 2018 - 14:31) *
Before my last renewal cycle, I usually just called up my insurer and said "hi, your quote is frankly ridiculous, reduce it please" and would often get about £500 off of the premium

And this was without having to get any optional extras removed from the policy. Just did it.

£500 off? I don’t pay more than that fully comp!


Was thinking that..... both my car and wife's would be about 40 quid to insure after £500 discount.

I wish I could have £500 off, would result in the insurance company paying me almost £200 a year!

Ditto.


--------------------


Any comments made do not constitute legal advice and should not be relied upon. No lawyer/client relationship should be assumed nor should any duty of care be owed.
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DastardlyDick
post Mon, 4 Jun 2018 - 18:37
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QUOTE (StuartBu @ Mon, 4 Jun 2018 - 14:05) *
With it being 11 days to Car Insurance renewal time and me having been lackadaisical in previous years by just accepting the renewal figure offered to me I decided to do a check with several comparison sites .

I'm presently with Churchill so I started off with uswitch then tried two or three others . using the same specs as I have at present with Churchill Quote Me Happy came first with General Accident next on all sites and both were about half of what Churchill wanted . I also tried Direct Line but something ( cant remember what) put me off them . Churchill was nowhere in sght so either they were way behind costwise or else they dont use comparison sites so it's Bye Bye Churchill it appears .

Ive never heard of Quote Me Happy but GA is a well known insurer ...so it does appear to make sense to compare .



Quote me Happy are the online only arm of Aviva, so should be OK.


I've had a similar problem with LV they quote one figure on the renewal letter, but if you go online as a "new customer" it's cheaper for identical cover! I suppose it proves that brand loyalty is not repaid.

This post has been edited by DastardlyDick: Mon, 4 Jun 2018 - 18:43
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glasgow_bhoy
post Mon, 4 Jun 2018 - 18:49
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If you like human contact, avoid Quote Me Happy.

I can vouch for Direct Line being decent- I shop about each year and yet have been with them for 5 or 6 years solid. Just watch them at renewal time as they do take the piss and need to be threatened with cancellation before they behave.

Direct Line also own Churchill, which is why you won't see them on comparison sites.
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m7891
post Mon, 4 Jun 2018 - 21:23
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QUOTE (DastardlyDick @ Mon, 4 Jun 2018 - 19:37) *
QUOTE (StuartBu @ Mon, 4 Jun 2018 - 14:05) *
With it being 11 days to Car Insurance renewal time and me having been lackadaisical in previous years by just accepting the renewal figure offered to me I decided to do a check with several comparison sites .

I'm presently with Churchill so I started off with uswitch then tried two or three others . using the same specs as I have at present with Churchill Quote Me Happy came first with General Accident next on all sites and both were about half of what Churchill wanted . I also tried Direct Line but something ( cant remember what) put me off them . Churchill was nowhere in sght so either they were way behind costwise or else they dont use comparison sites so it's Bye Bye Churchill it appears .

Ive never heard of Quote Me Happy but GA is a well known insurer ...so it does appear to make sense to compare .



Quote me Happy are the online only arm of Aviva, so should be OK.


I've had a similar problem with LV they quote one figure on the renewal letter, but if you go online as a "new customer" it's cheaper for identical cover! I suppose it proves that brand loyalty is not repaid.


That happened to me with Quote me Happy a couple of years ago.

As a "new" customer, they wanted me to send evidence of my NCD - evidence that I obtained from them in the first place.

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DancingDad
post Tue, 5 Jun 2018 - 15:23
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QUOTE (m7891 @ Mon, 4 Jun 2018 - 22:23) *
......….As a "new" customer, they wanted me to send evidence of my NCD - evidence that I obtained from them in the first place.


Had that with Esure….. please send proof of no claims..... emailed them back their renewal offer... which they were gracious enough to accept. biggrin.gif
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Redivi
post Tue, 5 Jun 2018 - 17:46
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Lucky

We've seen a number of threads regarding driving without insurance including cars seized because Esure was cancelling policies by email when evidence of No Claims wasn't received
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Ocelot
post Tue, 5 Jun 2018 - 19:03
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QUOTE (Trampilot @ Mon, 4 Jun 2018 - 14:36) *
If you have two cars having a multi-car policy adds some leverage too.

I could get my wife's Audi A3 a lot cheaper elsewhere but my Santa Fe was ok for renewal. However losing one of the cars off the policy lost the multicar discount so my premium went higher.

Told the current insurer I'll have to move both cars unless they can do better over all. Ended up paying less than I did the year before.


That's the problem I face, having 2 cars. I would have to switch to another multicar insurer.

Fortunately, Admiral always knock at least the year's increase off every year after a phone call, without even threatening to leave. I just say 'What can you do about the renewal quote', and they apply their 'allowed discounts'.

The RAC are just as bad. They wanted £193 for home start and breakdown (and I've been with them 15 years). After a call they dropped it to £109.
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glasgow_bhoy
post Tue, 5 Jun 2018 - 22:48
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QUOTE (Ocelot @ Tue, 5 Jun 2018 - 20:03) *
The RAC are just as bad. They wanted £193 for home start and breakdown (and I've been with them 15 years). After a call they dropped it to £109.

You should shop about. Before my work gave me free breakdown cover, I paid between £19 and £35 a year for cover depending on what car I had. Always had homestart and national cover.

Tesco was one of the companies I used, and I had at least 3 or 4 callouts over the space of the policy (it was a Vauxhall). Every time, it was the RAC who came out. Equivalent RAC cover was 3 times the price.
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DancingDad
post Tue, 5 Jun 2018 - 23:11
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QUOTE (Ocelot @ Tue, 5 Jun 2018 - 20:03) *
............The RAC are just as bad. They wanted £193 for home start and breakdown (and I've been with them 15 years). After a call they dropped it to £109.


AA just tried that on me...double last years fee for same cover.

Always check renewal quotes...…. they dropped it back after a short phone call.
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Ocelot
post Wed, 6 Jun 2018 - 18:16
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QUOTE (glasgow_bhoy @ Tue, 5 Jun 2018 - 23:48) *
QUOTE (Ocelot @ Tue, 5 Jun 2018 - 20:03) *
The RAC are just as bad. They wanted £193 for home start and breakdown (and I've been with them 15 years). After a call they dropped it to £109.

You should shop about. Before my work gave me free breakdown cover, I paid between £19 and £35 a year for cover depending on what car I had. Always had homestart and national cover.

Tesco was one of the companies I used, and I had at least 3 or 4 callouts over the space of the policy (it was a Vauxhall). Every time, it was the RAC who came out. Equivalent RAC cover was 3 times the price.


It was the 'reduced' price quoted on their website, and the AA wasn't any cheaper, but at Christmas I will see if there are any cheaper alternatives.
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roythebus
post Wed, 6 Jun 2018 - 21:37
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I was with quote me happy, but there's no personal contact at all with them. when they upped my premium from about £600 to just over £950 there was nobody to talk to about it and their inline complaint wouldn't go anywhere except round in circles. Esure came up with a figure just over £600.

As for breakdown cover, I pay about £85 for full UK and unlimited European cover. Both times here when I've had a problem it's been the RAC ho came out!
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