insurance companies renewal quotes a joke

[drawboy]

Got my household insurance renewal quote today, wont say from who but 'oh yes' should suffice. Contents only £306.00. I don't think so. I rang them up and got put through to the loyalty section where they were quite happy to immediately reduce the quote to £168.00, still high for contents only so I went onto the site with the opera singing man and ended up with the same cover,same excess,same policy basically for wait for it £86.00 from one of the car breakdown companies, you know the ones.First time I've used a price comparison site and I'm delighted. How much has anyone else saved this way?

 

[USER1999]

I always chug my details through a comparison site for my car insurance, and then ask my current insurers to match it. Otherwise they are just taking liberties.

 

[RGDave]

None of this surprises me.
Contrary to popular belief/trust in the "compare + buy market", I've never got the final "best price" off a comparison site ever. What I do (when I try this) is get the best price from company xyz (of the comparison site) then phone company xyz and say nothing about meerkats or opera-men or cash hypermarkets and push them for the best deal.
One of my cars started at £400 (comparison), got down to £230 (phoning direct) then to £229.99 with £30 cash back from Swinton. £199.99 fully comp, when the meerkats were offering £400. Not bad.

The industry is the ultimate capitalist wet dream. Sell products (services) at approx twice the real price and all pretend how wonderful we are at giving the customer the best deal.

I'm saying no more, as I'll blow a gasket.

 

[freddielong]

Never ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever ever accept the renewal price for any insurance

 

[John_Findlay]

Never was a great one for insurance if it could be avoided after having a bloody good chat about the topic with my Insurance Law prof at Uni. Bunch of scheisters (spelling?)

However, when it comes to those compulsory ones then the comparison sites are usually decent at helping knock your existing insurers down on price.

With the market the way it is though it seems that any savings you think you're making with your continuing no claims bonus are offset by the financial state the companies are all in.

 

[viscount17]

my car insurance is due now, at the moment with the dog.
no claims for years but premium up and 'read the small print' cover down.

even the comparison sites are getting tedious as some of the quotes on there are ridiculous and even more annoying that you have to enter totally irrelevant details - the ' when is your house insurance due' when looking for car insurance. There's no way of saying never 'cos I live in a flat and it's all in the service charge.

 

[Fyldewhite]

Just renewed mine for £123 contents only. This was after a £2000+ claim in December following a burglary. I was very happy with the way this was dealt with and although no doubt I could have got it cheaper I'm happy with the policy I have. I've gone for cheapest quote in the past on car insurance and regretted it when I needed to claim. Your first quote was a joke though.

 

[Screwback]

I am into my 3rd year of having my own car insurance, my first car was a 1.2 clio nothing special A to B no modifications, alloys or big bore exhausts etc the first year sum for it was 1203.50 second year was 695 and this year its looking at 400ish every time even though i have had no claims the renewal price from my current insurer has went up around 50 each year.

Surely the companies are selling themselves short using that system?

 

[brendy]

If you have a car that is percieved to be performance or modified, Greenlight will do you a great deal, I have the x5 4.6IS V8 with them and will be moving the WRX over once this year is finished.
When they say performance or modified, this doesnt mean boy racer clapped out 1.2 clios etc. They cover anything from a Sporting Puntos to Porsches, they do have a few exceptions based on their own previous experience.
Speak to Tony and tell him Brendy recommended them (they advertise on a few forums I frequent and offer discounts to the users)

 

[USER1999]

I was messing about on a comparison site, putting in the details of a car I am interested in changing to (435 bhp estate car). Now I have 10 years no claims, am middle aged, married, home owning (what has that to do with anything).

The cheapest quote was £430 from a well known insurer, fine. The most expensive was from the AA, who would throw in free AA recovery, if I paid them the small amount of £2250 per year. Yeah, right, like that's going to happen.

 

[brendy]

Audi RS range matey? If so, very nice.

I was messing about on a comparison site, putting in the details of a car I am interested in changing to (435 bhp estate car). Now I have 10 years no claims, am middle aged, married, home owning (what has that to do with anything).

The cheapest quote was £430 from a well known insurer, fine. The most expensive was from the AA, who would throw in free AA recovery, if I paid them the small amount of £2250 per year. Yeah, right, like that's going to happen.

 

[RGDave]

I was messing about on a comparison site, putting in the details of a car I am interested in changing to (435 bhp estate car). Now I have 10 years no claims, am middle aged, married, home owning (what has that to do with anything).

The cheapest quote was £430 from a well known insurer, fine. The most expensive was from the AA, who would throw in free AA recovery, if I paid them the small amount of £2250 per year. Yeah, right, like that's going to happen.

£2250 - that's some going really.

What I have a laugh at it when you 'phone up some company, waste 10 minutes telling them stuff, then they say "£XXX - how does that sound?"
How does it sound? It sounds a flippin' joke.
And the sales operative at the other end is somehow upset when you suggest they must be living in cloud cuckoo land.

Mine goes up every year until I give them grief....as the years roll by, I get less likely to claim and represent less of a risk.....but they don't get it

Me and the missus have spent near on £20k on car insurance over the years. She cost her company £270 once after writing off a skip of a car.

Insurance companies £20,000 vs. RG and family £270....

The only reason she wrote it off was 'cause it was parked across the end of our drive, so I told her to push it until it moved....which wasn't hard, as it only had 10% metal.

 

[Region3]

It winds me up too that they send a renewal and when you phone them to say it's too dear they reduce it. If it's that easy to reduce just send me the best price in the first place!

They must pay big bonuses from the proceeds of those who are too lazy to shop around and let it continue.
Unfortunately that was me last year

Just under £800 fully comp on a Leon Cupra.

I've heard Adrian Flux are good on modified cars so I'm going to try them next time it's due.

 

[RGDave]

I've heard Adrian Flux are good on modified cars so I'm going to try them next time it's due.

I like Adrian Flux and know folk who do well with them. I never got lucky with them unfortunately.

 

[Region3]

I've heard Adrian Flux are good on modified cars so I'm going to try them next time it's due.

I like Adrian Flux and know folk who do well with them. I never got lucky with them unfortunately.

Do you mean you've never had a good enough quote from them, or you were insured with them and had a bad experience?

 

[USER1999]

I was insured by A Flux when I was 25. Wrote my car off, and had two other big accidents. They were fine about it.

Not RS Brendy, think big, ugly, unreliable and american.

 

[viscount17]

have you noticed the other racket a lot of them are pulling?

ask for 7, 9 years no-claim on proposal but only supply a certificate with a max of 5.

and we wonder why so many don't bother!

 

[drawboy]

If it's law to insure a car (which it is obviously) then the insurance should be run by the government, not left to a bunch of money grabbing schisters. As the op, I was with Churchill for 12 years, I never claimed, I had maximum 9 years no claims I do not think they could get a lower risk and they would rather see me go elsewhere than give me a competitive quote. I gave them the opportunity to match the AA but they wouldn't. That's me gone as a customer forever, loyalty works two ways.

 

[USER1999]

The AA? Couldn't you find a cheaper quote than £2k?