Dos_Box Posted January 27, 2012 Author Posted January 27, 2012 The problem with that is they take your registration number early in the process, and it's flagged as being with them already. The same as when you do it online and they ask for the registration as part of the quote procedure now.
sted Posted January 27, 2012 Posted January 27, 2012 The problem with that is they take your registration number early in the process, and it's flagged as being with them already. The same as when you do it online and they ask for the registration as part of the quote procedure now. just go on autotrader and look up an identical car
bodminman Posted January 27, 2012 Posted January 27, 2012 Sheilas Wheels here. Was previously with Tesco but they pushed up the premium by quite a lot last year and wouldn't budge so I said goodbye to them. I've been driving for 19 years and never made a claim or had a claim made against me so I was really annoyed with Tesco. Normally for insurances etc I used moneysupermarket.com.
CyberNerd Posted January 27, 2012 Posted January 27, 2012 change your job title and you can drop £20 off the cost. Often more than that. If you manage an office of IT staff - an 'Office Manager' is a good one. But it is different for different companies and you really need to know someone on the inside because insurers really don't like letting their competitors know how they rate personal aspects like jobs.
Gatt Posted January 27, 2012 Posted January 27, 2012 Admiral here - it only went up £1.60 a month fully comp Also got car hire for an extra £2.25 or something so in total it went up roughly a fiver to £60 a month! I actually thought it was a typo at first but nope!
sted Posted January 27, 2012 Posted January 27, 2012 @sted beat me too it thats what i'd do too if it first you dont succeed cheat currently with swiftcover as when i moved house my old insurer told me to get lost and was cheapest i could find but about double what i was paying
Andrew_C Posted January 27, 2012 Posted January 27, 2012 RAC marginally cheaper than the Meercats, but I think they don't do protected no-claims. C£400 for 2l Saab.
alan-d Posted January 27, 2012 Posted January 27, 2012 Try changing your address ;-) Seriously though they use your postcode as an excuse to put up premiums by saying crime in your area has risen. Challenge them for the stats, it helps if you have a copy from the council\police (Sorry can't remember which one) and bug them till they discount you. I'ts a pain to do and I only did it once to save me £100. Now I have Multicar with Admiral.
shenley Posted January 27, 2012 Posted January 27, 2012 Try changing your address ;-) Seriously though they use your postcode as an excuse to put up premiums by saying crime in your area has risen. Challenge them for the stats, it helps if you have a copy from the council\police (Sorry can't remember which one) and bug them till they discount you. I'ts a pain to do and I only did it once to save me £100. local crime maps/stats Police.uk - Local crime and policing information for England and Wales 1
timzim Posted January 27, 2012 Posted January 27, 2012 Sheilas Wheels here. Was previously with Tesco but they pushed up the premium by quite a lot last year and wouldn't budge so I said goodbye to them. I've been driving for 19 years and never made a claim or had a claim made against me so I was really annoyed with Tesco. I'm also with Sheilas Wheels. Was with them last year but the renewal came up more expensive. Followed MoneySavingExpert process (see my earlier post) and got a far better quote...from Sheilas Wheels! Phoned Sheilas Wheels and told them they'd quoted me a better price as a new customer, gave them the quote number, and they let me renew for the price of the cheaper quote. Moral: always, always, always get a re-quote rather than just renewing. There was a Watchdog about this last year - apparently the majority of insurance companies will quote you a higher premium if you stay with them. Loyalty actually works against you as they really don't care a stuff about you - you're just a source of cash to them.
GREED Posted January 27, 2012 Posted January 27, 2012 We have multicar, up over 300 between us. We have 2 replacement cars coming in the next 7 days so god only knows how much it will be then when I tell them! Here is a story though, I rung then to tell them I not doing as many miles now, my job is different and work from home, and I no longer drive for business use... All thinking as I did my premiums should go down and get a refund... Extra 240 quid please.... I put the phone down....
Cache Posted January 27, 2012 Posted January 27, 2012 If you have time (and a lot of it, as in several hours) Call Connections is a company I've had good experience with in the past for knocking my insurance prices down (in getting a few quotes, then going back to my insurer and saying "Oi what you charging me that for"). They'll get a bunch of insurers and transfer you through to each one and give you a call back and transfer you to the next one. Don't know how it compares to things like compare the market and others though this year. 2 Years since I did it now and ended up with Kwikfit Insurance this year, after phoning up and saying I'm not paying that I did save another £100 off it.
Gatt Posted January 27, 2012 Posted January 27, 2012 (edited) Shut it you.. That bumper car as you put it has done some fair few miles of late.. Ok so its had one or two replacements (Clutch, Exhaust, brakes, wheel, wipers, 2 x Front Driveshaft , brakes, CV joints....) But its always got me from A-B without needing to be towed [What the.. could have sworn @mac_shinobi had made a sarky comment about my car - now cant find it anywhere.....] Edited January 27, 2012 by Gatt 1
mac_shinobi Posted January 27, 2012 Posted January 27, 2012 The devil is in the detail here. I have got some cheaper quotes, but once you check out the 'extras' I end up paying more than I currently am. The extras include breakdown/recovery, excess, named drivers etc. and other little things which push up the cheaper quotes to way beyond what I'm currently paying With Lloyds on there platinum account and that gives you breakdown cover across the UK, mobile phone insurance and a bunch of other stuff, think its either £17 or £18 a month. Think Barclays and maybe other banks do the same, Natwests one was rubbish last time I checked.
mac_shinobi Posted January 27, 2012 Posted January 27, 2012 Shut it you.. That bumper car as you put it has done some fair few miles of late.. Ok so its had one or two replacements (Clutch, Exhaust, brakes, wheel, wipers, 2 x Front Driveshaft , brakes, CV joints....) But its always got me from A-B without needing to be towed [What the.. could have sworn @mac_shinobi had made a sarky comment about my car - now cant find it anywhere.....] I deleted it, who you know totally cracked me up when she first made a sarky comment ref it being a bumper car and couldn't resist. Comment was along the lines of £60 is a lot per month for a bumper car Agree, if it gets you to work n back ( A to B and B to A ) then thats great I haven't been towed yet 1
m25man Posted January 27, 2012 Posted January 27, 2012 Another Co-Op user here, after being slowly squeezed by several of the usual suspects a web comparison site put me onto them and ever since they have been the best for me. its always worth knowing that in many cases adding your spouse to a policy even if they have their own or another car can reduce your premium considerably (assuming they don't have a string of convictions and a drink problem)....
CyberNerd Posted January 27, 2012 Posted January 27, 2012 Another Co-Op user here, after being slowly squeezed by several of the usual suspects a web comparison site put me onto them and ever since they have been the best for me. its always worth knowing that in many cases adding your spouse to a policy even if they have their own or another car can reduce your premium considerably (assuming they don't have a string of convictions and a drink problem).... My GF added me to her insurance and it saved her 26p per year! and I don't even have a car driving license!
mattx Posted January 28, 2012 Posted January 28, 2012 Best thing I did was state I do less than 3000 miles a year ( I do even less sometimes ) This saves me a bomb. More than half which then pays for my bike insurance. No 6 wheel deals these days..... This year thinking of dropping the car to less than 2000 miles and my changing mg bike to a 350 or even 250 as our new office will soon be less than half distance than it is now. Worked out I will be saving myself in total travel / fuel / insurance almost 2000 quid. Stick that up you tailpipe Osbourne you Tory toff git.
Gatt Posted January 28, 2012 Posted January 28, 2012 I deleted it, who you know totally cracked me up when she first made a sarky comment ref it being a bumper car and couldn't resist. Comment was along the lines of £60 is a lot per month for a bumper car Agree, if it gets you to work n back ( A to B and B to A ) then thats great I haven't been towed yet Phew! Thought I was going slightly mad... **Theres a song in there somewhere....**
vikpaw Posted January 28, 2012 Posted January 28, 2012 @Dos_Box - it's no use asking for recommendations on companies, as the market is weirdly balanced. What is cheap for me this year will no doubt go up next year, even though i was a safe driver, because i'm paying for all the other people that had accidents. It will all depend on how good a year the company had, market conditions, and whether you fall into one of their black hole categories like going over 40 The best advice i've seen is as @timzim stated via moneysavingexpert.com - It takes time, but does pay to search around, and you do need to use all 3 main tools as they cover a different section of the market, then you have to go direct to the remainder. Once you've signed up, year on year, they'll store your details so it's easy to do the same search next year. The pricing does vary as each tool/ search site, makes different assumptions with your data, which you'll see when you actually click through to buy, after you've tweaked it to the truth, it will no doubt go up, but you should find roughly the right deal. You should make sure that the core data e.g. mileage, where you park, usage type, etc is the same in all, so you don't need to tweak too much and it's starts from the same point. You can make big savings using a cashback or affiliate tool, but don't rely on it, it's just a bonus after you've found the best deal. I once made money on American Express Travel insurance, because my cashback was worth more than the policy Two top tips, though, tweaking the job title, can really help Cheap Car Insurance Job Picker: tweaking your job title can make your car insurance cheaper and also, the second driver, so long as not too old, or even a third driver with some companies, if it's classified as safe, can reduce the overall price. Who is the best i've found so far you ask? A teacher, would you believe, of the female variety. YMMV but if you add an extra female driver, over 25, as state school teacher, it can shave quite a lot off. It's worth putting on a friend from work, and lending them the car occasionally for the discount
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