oxymoron
Club Champion
Yours has no spare ? My D4 ha a space saver thing and i hate it , just looks so unsafe to me .
No claims discount protection in car insurance ??
- Thread starter williamalex1
- Start date
Yours has no spare ? My D4 ha a space saver thing and i hate it , just looks so unsafe to me .
Most have a can of goo now. I haven't had a car with a spare or even space saver for about 15 years now.
chrisd
Major Champion
My car insurance renews this Sunday, I always protect my NCB. I had an increase from my current insurer from £180 to £240 so I shopped around and got full cover for £220 from Tesco
I had never claimed on my house insurance until a leak in the bath room bought down part of the living room ceiling a couple of months ago, had I not ever insured I would have been quids in over the years but it is a gamble.
I had never claimed on my house insurance until a leak in the bath room bought down part of the living room ceiling a couple of months ago, had I not ever insured I would have been quids in over the years but it is a gamble.
Fade and Die
Medal Winner
Even though the owners handbook says there is a space saver wheel I only have an “inflation kit” where the wheel should be!
But when your wheel is like this it doesn’t work…
PJ87
Journeyman Pro
All risk management isn't it, I mean like you say the spray won't work on that, and a spare won't work if you get a double blow out. Not as often but I've seen them , also after that incident would you want to put on the spare and carry on? Might be in shock
Hope everyone was ok!
D
Deleted member 31467
Guest
Car insurance is a very competitive market. If you shop around you won't get ripped off. Each company has a team of underwriters that set the prices based on their customer database and the type of clients they want to attract hence you might get quotes from 2 different companies that are £250 and £2000. It's not a rip-off and anyone saying it is clearly doesn't understand how it works. I used to work for a major insurance underwriter.
PJ87
Journeyman Pro
It's not so easily done now, since they had to offer new and existing customers the same deals the competition isn't as good as it was
D
Deleted member 31467
Guest
You're talking nonsense dear boy!
Last edited by a moderator:
Fade and Die
Medal Winner
This is true, at the time we was all
A bit shook up but I was thinking if I could get a spare wheel from someone I could carry on. Only when the adrenaline subsides and you start to think clearer you realise it’s probably a bad idea, wouldn’t be surprised if the tracking is buggered and who knows what else?
Waiting for Enterprise to sort me out a bigger car now. The focus offered is not big enough for 4 + big dog + luggage.
PJ87
Journeyman Pro
Sorry just what I found recently when insurance jumped from 460 to 750 with no extra claims or endorsements...(12 years no claims)
Shopping around got it to 650 .. but still no where near the past Few years which have all been sub £500
You used to be able to shop around and get new customer discount of say 30% but now that's been withdrawn to give everyone the same deals
Same for wife 620 to 820 and got to 715 on shopping around but nowhere with the super offers for new customers
Even martin Lewis viewed it as the same
"This likely means the cheapest prices disappearing rapidly for those who do comparisons and switch. Therefore I'd suggest everyone check car and home insurance ASAP to see if you can cut costs grabbing cheaper switchers' deals, before things start to change."
And this
"That's good news for those who never switch, as renewals will be cheaper - bad news for those who actively scour the market for the best deals, as, while they should still be able to save due to competition, the difference will be reduced and overall they'll pay more."
Shopping around got it to 650 .. but still no where near the past Few years which have all been sub £500
You used to be able to shop around and get new customer discount of say 30% but now that's been withdrawn to give everyone the same deals
Same for wife 620 to 820 and got to 715 on shopping around but nowhere with the super offers for new customers
Even martin Lewis viewed it as the same
"This likely means the cheapest prices disappearing rapidly for those who do comparisons and switch. Therefore I'd suggest everyone check car and home insurance ASAP to see if you can cut costs grabbing cheaper switchers' deals, before things start to change."
And this
"That's good news for those who never switch, as renewals will be cheaper - bad news for those who actively scour the market for the best deals, as, while they should still be able to save due to competition, the difference will be reduced and overall they'll pay more."
Last edited by a moderator:
KenL
Tour Rookie
The best deals to existing customers is a lie!
My renewal was due just before Xmas. Price was up 40% up on last year. Shopped around and got pretty close to last year.
When I called to cancel they offered me a discount. So, if they can offer you a deal, they are not automatically giving people the best they can offer.
My renewal was due just before Xmas. Price was up 40% up on last year. Shopped around and got pretty close to last year.
When I called to cancel they offered me a discount. So, if they can offer you a deal, they are not automatically giving people the best they can offer.
PJ87
Journeyman Pro
When I called they went right we can do your wife's £100 cheaper but yours we can't
Like you say how is that the best price?
jim8flog
Journeyman Pro
you really should shop around and when you do online quotes make sure you change the XS sometimes it makes very little real difference to have £50 (what I have) and a companies normal amount (mainly) £200- £250.
I once changed the XS to zero and the premium never altered.
chellie
Tour Winner
I always have zero voluntary excess and only go for companies with a low compulsory excess.
oxymoron
Club Champion
By coincidence the wife's has come in for renewal , up from £220 to £389
a quick look around and plenty of quotes at around £220 so i guess she will be changing .
I really get peeved when you ring to cancel the renewal and they instantly knock £150 off , still move even if they say they will match the new price .
a quick look around and plenty of quotes at around £220 so i guess she will be changing .I really get peeved when you ring to cancel the renewal and they instantly knock £150 off , still move even if they say they will match the new price .
KenL
Tour Rookie
A 77% price increase. ?By coincidence the wife's has come in for renewal , up from £220 to £389
I really get peeved when you ring to cancel the renewal and they instantly knock £150 off , still move even if they say they will match the new price .
D-S
Well-known member
Or a 77% punt on seeing whether some sucker (or elderly and vulnerable person) might just accidentally renew automatically and not get the 'real' price that they'll probably offer if you ring them and obviously can get if you are internet aware - an easy way of making £169 by preying on the unaware or vulnerable - a despicable business practice.
pompeybandit
Newbie
I've just done a comparison as my wife car insurance is due.
Last year's price: £135.42
Renewal price: £127.74
Lowest price comparison £145.60
I think that's the first time it's actually gone down.
Last year's price: £135.42
Renewal price: £127.74
Lowest price comparison £145.60
I think that's the first time it's actually gone down.
KenL
Tour Rookie
Nice one, what company is that?
pompeybandit
Newbie
Currently with Halifax.
Just found a quote with Dial Direct for £135 with breakdown cover included so think I'll go with that one