Car insurance

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oxymoron

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Apr 3, 2014
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Got my renewal notice yesterday , noticed it had risen by £50 or so to £270 , not too bad i thought then noticed it was quite a rise on the previous years so i thought a quick comparison check is in order out came the macbook and within 10 mins a quote with like for like cover with the same company £190, WTF ! Got on the phone and was met with a terrible attitude from the fellow on the other end who tried all sorts to justify the difference and offered to reduce the renewal to £250 for a loyal customer ,,,,
Not anymore , there was a comparable quote from another company so they got my business .Makes my blood boil when firms seem to blatantly try to rip customers off ,it makes me think about the poor sods who cannot use PCs ( pensioners or others ) who dont get to access the web and get stung by these rip off merchants , why can you not get the best quote the first time ?It really is a piss take .

Sorry for the slight rant but it really winds me up when firms seem to intentionally rip you off .
 
It's always worth reviewing all aspects of your policy too.

Are you actually doing 9-10k a year? Check you MOT certs & get an idea. if your are only doing 4-5k it's worth mentioning.

Do you have social domestic & pleasure & commuting to place of work when actually you are retired? Or never use the car for commuting?

I got mine dropped from £400 a year to £250 (& the £250 included full breakdown).

Not wanting to teach people to suck eggs, but if you don't know you can miss out.
 
Maninblack4612 said:
Yes & SAGA are one of the biggest culprits. A couple of years go they wanted £600 to renew my home insurance. The ugly dog who says "Oh yes!" did it for around £200
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Sorry but I have to disagree. For years I was with Aviva, who always increased the premium when it came to renewal so I usually went on line as a new customer to get the discount. Several years ago I bought an old Range Rover to use primarily as a tow car and insured it through Saga and each year when it came to renewal the costs came down, such as I now use Saga for the Range Rover and our two BMWs, none of which cost more than £120 a year fully comp, more than 30% less than most major insurers.
 
When I received an increased renewal quote the other month I telephoned them to say they were about to loose my business as I could get it much cheaper by showing no loyalty, the girl to be fair was very friendly and stated that all renewals come out direct from the underwriters and as such no discounts or history are considered, she then quoted me slightly lower than my previous years so I stayed with Kwik Fit Insurance.
 
I fully expect to have to change my car insurer every year, and most years this is the case. Currently with Admiral on a multi-car policy with both mine and my other half's cars, by far the cheapest option this year but almost certainly won't be when it comes to renewal time.
 
This is why I use a 'trusted' local insurance broker... Calls me with renewal costs and then runs through any alternatives he has found that meet my requirements... I don't always plump for the cheapest out there... When the poo hits the fan I want to feel safe, in the knowledge, the insurers will meet my needs...
 
MegaSteve said:
This is why I use a 'trusted' local insurance broker... Calls me with renewal costs and then runs through any alternatives he has found that meet my requirements... I don't always plump for the cheapest out there... When the poo hits the fan I want to feel safe, in the knowledge, the insurers will meet my needs...
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even though I am an insurance broker myself (not motor!) I cant understand why anyone would use one for something as simple as motor or household insurance when there are so many comparison sites. You would get a better deal with the same insurer he uses by going direct as his price will include his commission, which can be up to 40%.
 
Dando said:
even though I am an insurance broker myself (not motor!) I cant understand why anyone would use one for something as simple as motor or household insurance when there are so many comparison sites. You would get a better deal with the same insurer he uses by going direct as his price will include his commission, which can be up to 40%.
Click to expand...


Having learnt the hard way... That when it 'goes wrong' motor insurance can become anything but "simple"...
 
oxymoron said:
Got my renewal notice yesterday , noticed it had risen by £50 or so to £270 , not too bad i thought then noticed it was quite a rise on the previous years so i thought a quick comparison check is in order out came the macbook and within 10 mins a quote with like for like cover with the same company £190, WTF ! Got on the phone and was met with a terrible attitude from the fellow on the other end who tried all sorts to justify the difference and offered to reduce the renewal to £250 for a loyal customer ,,,,
Not anymore , there was a comparable quote from another company so they got my business .Makes my blood boil when firms seem to blatantly try to rip customers off ,it makes me think about the poor sods who cannot use PCs ( pensioners or others ) who dont get to access the web and get stung by these rip off merchants , why can you not get the best quote the first time ?It really is a piss take .

Sorry for the slight rant but it really winds me up when firms seem to intentionally rip you off .
Click to expand...

This. Discovered last week that my mum's car insurance had gone up from £280 to near £800 a year. This happened because she had a minor bump last year and made an insurance claim - cost of repair £245. She got the renewal notice in March and just paid it - as she does - not really thinking (or that aware) that it had gone up so much and not really able to hunt around for alternatives. The effect of the claim would have lasted 3 yrs so she would have paid that premium for three years.

I'm in the process of speaking with her insurance company to buy her out of the policy. She'll still pay more than if she'd not bothered making the claim - but >£1000 less over than she would have paid over three years. Someone should have told her the impact her claim would make on her premium - but they didn't - really not at all good.

As you say - a real piss take. My mum is 83 and doesn't like to ask us for help. I'm thinking that insurance companies should have specific statutory obligations when dealing with older folks.
 
At the end of the day they are a business and will set prices to meet whatever the strategy is at the time. Some years it may be to increase market share some years consolidate some whatever else they can think of
 
After quite a time on the phone this afternoon with the insurer, I got my mum's £868 a year premium down to £497. It was £308 last year so I'm hoping to get a further discount or I'll be looking elsewhere for her.
 
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