FabSwingers.com forum: Car insurance...

By *irtyGirl OP Woman
over a year ago

Edinburgh

Mine is due tomorrow and I've just called my current insurer and they are £200 more than the Money Supermarket compare quote I've just done.

Wtf?

How can they justify that?

Any recommendations?

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By (user no longer on site)
over a year ago

Marry a rich man so you don't have to worry about it lol

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By *iamondjoeMan
over a year ago

Glastonbury

Because this is how premiums work - if you do nothing they up them.

Use one of the compare the Meerkat-type sites to get a better deal.

The other thing to be aware of is that quite often insurers will offer for you to pay your premium in 12 easy, monthly installments.

DON'T

They treat this as a loan and charge you interest on the balance.

Pay in one go, if you can.

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By (user no longer on site)
over a year ago

"Mine is due tomorrow and I've just called my current insurer and they are £200 more than the Money Supermarket compare quote I've just done.

Wtf?

How can they justify that?

Any recommendations?"

I went back to my insurers and told them and they reduced the insurance to below the competitive quote

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By *imply_SensualMan
over a year ago

warrington

Shop around is the simple answer, but also make sure the quotes on the comparison sites give you the cover they need, at times, the premium shown is a headline to grab you, then when you start wanting legal protection, breakdown etc, it starts to increase.

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By (user no longer on site)
over a year ago

If you are happy with your insurance e company, ring them and ask them to price match. they usually do.

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By *abioMan
over a year ago

Newcastle and Gateshead

"Mine is due tomorrow and I've just called my current insurer and they are £200 more than the Money Supermarket compare quote I've just done.

Wtf?

How can they justify that?

Any recommendations?"

check them all... confused.com, money supermarket, go compare and comparethemarket.com

then ring up your provider and start hagling....

i was with zurich and they were going to charge me a lot more than i thought.... then went on the comparison sites.... loot for the same thing, and miraculously my "renewal" rate started dropping by 200 pounds....

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By *entaur_UKMan
over a year ago

Cannock

"Because this is how premiums work - if you do nothing they up them.

Use one of the compare the Meerkat-type sites to get a better deal.

The other thing to be aware of is that quite often insurers will offer for you to pay your premium in 12 easy, monthly installments.

DON'T

They treat this as a loan and charge you interest on the balance.

Pay in one go, if you can. "

Good advice and I do this every year, pay in one instalment, when the policy expires go on Compare the Market, or Go Compare for a new quote. Always seems to be cheaper than renewing the old policy.

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By *irtyGirl OP Woman
over a year ago

Edinburgh

Yeah I've gone through Money Supermarket and Churchill had the best deal. I was with the AA and called them to haggle but they just couldn't match it.

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By (user no longer on site)
over a year ago

My insurance company 1st central put my premium up loads the other year they told me it was the absolute best they could do, checked the comparison sites and got a quote from 1st central for £50 cheaper than the price if paid the year before

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By (user no longer on site)
over a year ago

as per the above be careful of installment payments as they are often via a consumer credit agreement and attract significant rates of interest. It is actually to the point where if you cannot afford to pay for your premium in full, a loan from your bank or a credit card would be a more cost effective means of paying for your cover (than the installments offered)

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By *edangel_2013Woman
over a year ago

southend

Last year Tesco insurance upped my car insurance by £250. So I used the Brian the Robot site and got an insurance quote from Tesco for £150 less than what I had paid for the previous year.

So I called Tesco to cancel my policy, they offered to match it, which they couldn't

This year they have increased it by £150. So I'm going to have to go through it all again on the 1st.

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By *eMontresMan
over a year ago

Halesowen

I use comparison sites for everything. You only have to put your details in once and then press the quote button once a year. Yes you have to dig a little past the headline prices to ensure like for like cover, but I'm a rate tart and always take the cheapest.

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By *irtyGirl OP Woman
over a year ago

Edinburgh

I pay it up front.

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By (user no longer on site)
over a year ago

"Mine is due tomorrow and I've just called my current insurer and they are £200 more than the Money Supermarket compare quote I've just done.

Wtf?

How can they justify that?

Any recommendations?

I went back to my insurers and told them and they reduced the insurance to below the competitive quote

ive managed that a couple of times - just goes to show eh

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By (user no longer on site)
over a year ago

"as per the above be careful of installment payments as they are often via a consumer credit agreement and attract significant rates of interest. It is actually to the point where if you cannot afford to pay for your premium in full, a loan from your bank or a credit card would be a more cost effective means of paying for your cover (than the installments offered)"

I pay in installments and it was only £12 a year more expensive than paying it all in one go.

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By *eMontresMan
over a year ago

Halesowen

"I pay it up front.

ditto for everything - it's against my religion to pay interest

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By (user no longer on site)
over a year ago

I got a £30 refund on mine this year because I changed my job from IT tech, to science lab tech, including specific coverage to carry hazardous chemicals, flammables, and equipment up to and including the radioactive sources!

couldn't believe it - had to get the woman to recheck it... who'dathunk IT was a worse risk than plutonium!

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By (user no longer on site)
over a year ago

"Because this is how premiums work - if you do nothing they up them.

Use one of the compare the Meerkat-type sites to get a better deal.

The other thing to be aware of is that quite often insurers will offer for you to pay your premium in 12 easy, monthly installments.

DON'T

They treat this as a loan and charge you interest on the balance.

Pay in one go, if you can. "

Also keep an eye on your NCB, some companies offer a max of 5 years, some 7years and others 9 years

if you have 9 years and go to a company that only recognises 5 years as full NCB make sure they log your full amount of years in notes or your 9 years may end up 5 years

this year will be 16years NCB fingers crossed

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By *opsy RogersWoman
over a year ago

London

Be VERY careful they don't automatically renew in a years time. I've had to fight this twice now and it's a real PITA.

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By *errygTV/TS
over a year ago

denton

not only insurance but dating sites do CPA, ive had a quote of 650 went on comparison site same company 200 cheaper, as others have said there can be a lot of hidden extras, it can be a minefield

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