It Pays To Compare |
It Pays To Compare |
Mon, 4 Jun 2018 - 13:05
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#1
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Member Group: Members Posts: 6,178 Joined: 1 Jan 2013 From: Glasgow Member No.: 59,097 |
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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Mon, 4 Jun 2018 - 13:05
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Mon, 4 Jun 2018 - 13:16
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#2
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Member Group: Members Posts: 25,726 Joined: 28 Jun 2010 From: Area 51 Member No.: 38,559 |
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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Mon, 4 Jun 2018 - 13:31
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#3
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Member Group: Members Posts: 1,333 Joined: 28 Mar 2014 From: Corby Member No.: 69,758 |
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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Mon, 4 Jun 2018 - 13:36
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#4
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Member Group: Members Posts: 319 Joined: 8 Oct 2010 Member No.: 41,129 |
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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Mon, 4 Jun 2018 - 14:22
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#5
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Member Group: Members Posts: 38,006 Joined: 3 Dec 2010 Member No.: 42,618 |
Call Adrian Flux, they normally beat the comparison sites by some margin.
-------------------- If you would like assistance with a penalty charge notice, please post a thread on https://www.ftla.uk/index.php
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Mon, 4 Jun 2018 - 15:02
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#6
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Member Group: Members Posts: 33,610 Joined: 2 Apr 2008 From: Not in the UK Member No.: 18,483 |
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! -------------------- Moderator
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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Mon, 4 Jun 2018 - 15:13
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#7
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Member Group: Members Posts: 25,726 Joined: 28 Jun 2010 From: Area 51 Member No.: 38,559 |
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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Mon, 4 Jun 2018 - 15:22
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#8
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Member Group: Members Posts: 1,333 Joined: 28 Mar 2014 From: Corby Member No.: 69,758 |
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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Mon, 4 Jun 2018 - 16:08
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#9
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Member Group: Members Posts: 38,006 Joined: 3 Dec 2010 Member No.: 42,618 |
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! -------------------- If you would like assistance with a penalty charge notice, please post a thread on https://www.ftla.uk/index.php
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Mon, 4 Jun 2018 - 16:53
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#10
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Member Group: Members Posts: 33,610 Joined: 2 Apr 2008 From: Not in the UK Member No.: 18,483 |
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. -------------------- Moderator
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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Mon, 4 Jun 2018 - 18:37
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#11
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Member Group: Members Posts: 1,860 Joined: 12 May 2012 Member No.: 54,871 |
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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Mon, 4 Jun 2018 - 18:49
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#12
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Member Group: Members Posts: 10,460 Joined: 8 Sep 2008 Member No.: 22,424 |
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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Mon, 4 Jun 2018 - 21:23
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#13
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Member Group: Members Posts: 346 Joined: 10 Aug 2012 Member No.: 56,508 |
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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Tue, 5 Jun 2018 - 15:23
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#14
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Member Group: Members Posts: 25,726 Joined: 28 Jun 2010 From: Area 51 Member No.: 38,559 |
......….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. |
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Tue, 5 Jun 2018 - 17:46
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#15
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Member Group: Members Posts: 4,126 Joined: 31 Jan 2018 Member No.: 96,238 |
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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Tue, 5 Jun 2018 - 19:03
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#16
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Member Group: Members Posts: 3,140 Joined: 19 Jun 2004 From: Surrey Member No.: 1,326 |
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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Tue, 5 Jun 2018 - 22:48
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#17
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Member Group: Members Posts: 10,460 Joined: 8 Sep 2008 Member No.: 22,424 |
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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Tue, 5 Jun 2018 - 23:11
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#18
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Member Group: Members Posts: 25,726 Joined: 28 Jun 2010 From: Area 51 Member No.: 38,559 |
............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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Wed, 6 Jun 2018 - 18:16
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#19
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Member Group: Members Posts: 3,140 Joined: 19 Jun 2004 From: Surrey Member No.: 1,326 |
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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Wed, 6 Jun 2018 - 21:37
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#20
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Member Group: Members Posts: 6,963 Joined: 19 Dec 2006 From: Near Calais Member No.: 9,683 |
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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Lo-Fi Version | Time is now: Friday, 29th March 2024 - 04:36 |