Insurance attitude - Civinfo
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post #1 of 24 (permalink) Old 29th March 2013, 22:04 Thread Starter
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Insurance attitude

So I got my renewal through and surprise it went up, no claims no change of details.

I phoned to try and haggle and the attitude is quite shocking really. First off they tried to blame it on other people claiming (not from me, but in general) then they said I shouldn't expect it to come down or stay the same. And insurance is going up for everyone in general and I should except it. I told them I'd shop around.

Found quite a few cheap quotes from some fly-by-nights and one slightly cheaper from a reputable company. Phoned them back told them the score and they were on the defensive saying that's the best they can do and I'd be buying second rate insurance basically trying to scare me into staying, I said if you want to keep me then match it but it's no longer their policy to match.

So I ended up switching for the sake of just 15. Hardly worth it but glad I did just for the way they spoke to me. Where are all these cheap deals that you see on TV?
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post #2 of 24 (permalink) Old 29th March 2013, 22:13
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It can be partly to others to put the blame on. Whilst you might not have had any issues, the area you live in has a big factor. The risk rating or whatever it is might have gone up in your area over the past year. They take into consideration everything from car theft to house burglary and other things.

Surprised they didn't match with the competitor, never had a problem when getting Insurance to match other quotes. At least you wont have to deal with them again no you've moved
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post #3 of 24 (permalink) Old 29th March 2013, 22:26
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Quote:
Originally Posted by Coldwarkid View Post
Where are all these cheap deals that you see on TV?
In the right area with the right car and the right driver.

Its why they all say "from", since almost everyone will be higher.
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post #4 of 24 (permalink) Old 29th March 2013, 22:27
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Ive got 19years plus no claims, and cheapest i got was 480.00 from <Kwik fit for the 2.2cdti EX

Directline want 1200 for the same car. so i dont really understand how they work out the sums to be honest, and its the first time in years its this low. only as KwikFit are offereing 20% online discount.
Insurance is a joke. too many middlemen want a cut of the profits from accident victims/ casuers
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post #5 of 24 (permalink) Old 29th March 2013, 22:32
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Funny, I've heard many guys on other motor forums saying how the recent 'sex equality' thing for car insurance had actually put down premiums a fair bit recently.

I thought it sounded too good to be true!
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post #6 of 24 (permalink) Old 29th March 2013, 22:35
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Quote:
Originally Posted by rborhara View Post
.
Insurance is a joke
Totally agree. I'm sick of being given quotes and then being told to come back if it is beaten so they can match it. Just a con.
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post #7 of 24 (permalink) Old 29th March 2013, 22:56
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Quote:
Originally Posted by rborhara View Post
Ive got 19years plus no claims, and cheapest i got was 480.00 from <Kwik fit for the 2.2cdti EX

Directline want 1200 for the same car. so i dont really understand how they work out the sums to be honest, and its the first time in years its this low. only as KwikFit are offereing 20% online discount.
Insurance is a joke. too many middlemen want a cut of the profits from accident victims/ casuers
I've got 12 years NCD, am 45, passed my test in 1985 and have a Type S GT 2.2.

My cheapest quote was 287, but paid 320 for a policy with more cover and lower personal outlay.

There's no loyalty in the insurance industry, and you should always shop around. Try at least 2 or 3 comparison sites, and avoid those that advertise on TV ! Even Aviva, offering 9 months for the price of 12, wanted 500 !

Good luck, and happy shopping !
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post #8 of 24 (permalink) Old 29th March 2013, 23:18
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Ive got full ncb and am 40 but as mark hagan lives down the street its 500 for noddy....

Sent from my GT-N7000 using Tapatalk 2
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post #9 of 24 (permalink) Old 29th March 2013, 23:48
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Originally Posted by coste1l View Post
Ive got full ncb and am 40 but as mark hagan lives down the street its 500 for noddy....

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Mr. Holder can afford it, with all those royalties !
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post #10 of 24 (permalink) Old 29th March 2013, 23:59 Thread Starter
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Live in an NG postcode which is one of the lowest, It just seems like hard work to save 15 quid. Rumour on the street was that insurance came down once you get over 25 but ever since I got there I have paid more every year.
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post #11 of 24 (permalink) Old 30th March 2013, 00:05
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My insurance doubled compared to last year.

Excuse, older cars are more expensive to insure
But i blame it on the QLD floods.
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post #12 of 24 (permalink) Old 30th March 2013, 00:47
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My last insurance quote was actually cheaper if i canceled my policy renewal and went with the SAME company online! Saved me 25!

sent from fraggle rock
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post #13 of 24 (permalink) Old 30th March 2013, 13:10
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Gotta love the 'new customer only' deals



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post #14 of 24 (permalink) Old 30th March 2013, 13:42
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I think some companies just use a random number generator. Hence how I can get a quote of 500 and 3k in the same list.
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post #15 of 24 (permalink) Old 30th March 2013, 14:45
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It wouldnt surprise me, when I looked for insurance using a comparison site, the quotes ranged from about 500 to a few thousand.

And just to be fair, not that they necessarily deserve it, a lot of it comes from spreading the cost from all insurance claims over all insurance premiums.
Im fairly sure that those that dont claim would rather those that do paid vastly more though.
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post #16 of 24 (permalink) Old 31st March 2013, 11:57
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I'd have done the same & swapped & saved 15. One, because of the saving of money & 2 just to get away from them. Would have told them that too.

Quote:
Originally Posted by Noxia View Post
I think some companies just use a random number generator. Hence how I can get a quote of 500 and 3k in the same list.
Quote:
Originally Posted by coste1l View Post
Ive got full ncb and am 40 but as mark hagan lives down the street its 500 for noddy....

Sent from my GT-N7000 using Tapatalk 2

I've had some right mixed insurances over the last few weeks, trying it on different cars & my own.

I thought i'd get a quote on the Type R as a standard car (curious)

I got a quote of a shocking 483. 26 year old & i put my NCB to 6 years (as that's what it'll be for my next insurance, hopefully.)

With mods through a comparison site it came up at 1200.

Paying around 800 now i think for all mods declared like for like with greenlight.


A BMW M3 will cost me around 986 (direct, with the place that quoted me 1100 through comparison sites)

On one comparison site the lower i put my excess, the lower the policy price went down. (550+550 excess = 1300 on one site, 0+550 excess = 1083)

A Audi RS6 will cost me around 760

A C55 AMG will cost me around 1,100 (Pretty much the same for E55, with like 100bhp more!)


Been trying with my dad added to policy too, saves me a good chunk!

Does seem a bit random though, i get quotes from the 1100 to 6k on comparison sites.
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post #17 of 24 (permalink) Old 31st March 2013, 12:21
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ALWAYS ALWAYS shop around. And beware auto renewals... bottom line is its a buyers market if they dont want your money someone will.
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post #18 of 24 (permalink) Old 31st March 2013, 13:27
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Quote:
Originally Posted by Man in Black View Post
ALWAYS ALWAYS shop around. And beware auto renewals... bottom line is its a buyers market if they dont want your money someone will.
^^^^ what he says. I have never paid the same or more than previous year. I have always managed to find a cheaper quote.

sent from fraggle rock
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post #19 of 24 (permalink) Old 3rd April 2013, 09:45
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Paid 1600 first year of holding a license, for a 3000 1.6 diesel Citroen C4 (I know, the shame - it was good for the motorway miles at the time), first renewal the same car came down to 720, same company (features a naval officer rank in their name).

Changed to the 2.2 EX, with an agreed value something like 8000, halfway through the policy for an extra 100, and at last renewal I shopped around and got it cheapest with sainsburys for 760!

2yr NCB, 25 years old offshore engineer, I though it would be far more extortionate. I also have my mum and grandad on the policy, both with astronomical NCBs, which helped substantially. I though premiums would drop upon hitting 25 but apparently it's now changed to when you turn 26. Something to do with shifting the goalposts!
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post #20 of 24 (permalink) Old 3rd April 2013, 09:53
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Quote:
Originally Posted by Relic View Post
Gotta love the 'new customer only' deals
These make me laugh - a few years back the best quote I could get was a "new customer" deal with the same insurer I was already with. I rang them up and they were unable to price match their own price, so I just let the policy lapse and took out the new one rather than renewing!

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