Reply to: Car insurance renewal

[TheFaQQer]

Compare the market just knocked £210 off the renewal quote for me. And I get a free meerkat toy as well

[Troll]

For this role down south I bought a cheap car to get me from where I stay to the train station. I went to insure it - as I now have 2 cars, I found I couldn't use my NCD on the second one. Something I feel is somewhat unfair - I can only drive 1 at once and if I had an accident, no doubt I'd have to declare it on both policies! To cover this v reg pug 206 which cost me £400 off my cousin, at my address, the cheapest I could get was over £800 with zero NCD. As the car is staying down south I put my mates postcode in as the details as to where the car will be kept. The quote came in at £246.

What you should have done is bought an identical model and colour to your original car and put a second set of plates onto the new car

...but of course that would be illegal

[TimberWolf]

Perhaps "e" in "Direct Line" is in Cyrillic.

Don't you mean the 'n' in Line?

[AtW]

Perhaps "e" in "Direct Line" is in Cyrillic.

[TimberWolf]

Or maybe some clerk made mistake and whilst you've got cheap quote in realy your cover isn't worth the paper it's printed on ...

Just checked last year's policy and it's direct through Direct Line as far as I can tell, rather than through a dodgy third party.

[AtW]

Or maybe some clerk made mistake and whilst you've got cheap quote in realy your cover isn't worth the paper it's printed on ...

[TimberWolf]

You are paying £177 insurance on Ford Focus?

What engine, age of car, milage per year and where is it insured?

I am paying £550 for bloody nearly 10 year old PUG 307

Yes, Ford Focus 1.8 Zetec, 2003, ~60,000 miles, Direct Line

Maybe because you are in Birmingham. I admit I am surprised at my quote and even more surprised that it continues to go down. They will be paying me soon

[AtW]

Ford Focus. No claims ever discount maybe. They call me 'special'.

You are paying £177 insurance on Ford Focus?

What engine, age of car, milage per year and where is it insured?

I am paying £550 for bloody nearly 10 year old PUG 307

[TimberWolf]

Is this your total insurance for a 3 wheel bike?

Ford Focus. No claims ever discount maybe. They call me 'special'.

[AtW]

Only £177 this year

Is this your total insurance for a 3 wheel bike?

[AtW]

Is Brum loading now as high as Bradford?

10% increase on last year.

Though to be fair I had misfortune today to get caught into BCFC ending game and people walked on the road with complete disregard to their own safety. The police closed main road around there and took like 50 mins to get 1 mile to office

[Troll]

No, I am getting cheap deal actually - other quotes were way higher, apparently there is now special premium for living in Birmingham - too many fake accidents/fraud or something.

Is Brum loading now as high as Bradford?
Can't think of any reasons why these places should have such high rates attached

[TimberWolf]

I received my renewal quote today and it has gone down since last year - £202 (down by £8 since last year). WTF. I've reread it 5 times and it has still gone down. I won't bother phoning around for more quotes.

Direct Line if you're wondering.

One year on...

Jeez, last year's is looking expensive now. Only £177 this year, down £25 or 12%. It's going down every year. I'm not even going to look for another quote again. I'm still with Direct Line.

[BoredBloke]

For this role down south I bought a cheap car to get me from where I stay to the train station. I went to insure it - as I now have 2 cars, I found I couldn't use my NCD on the second one. Something I feel is somewhat unfair - I can only drive 1 at once and if I had an accident, no doubt I'd have to declare it on both policies! To cover this v reg pug 206 which cost me £400 off my cousin, at my address, the cheapest I could get was over £800 with zero NCD. As the car is staying down south I put my mates postcode in as the details as to where the car will be kept. The quote came in at £246.

When I look for insurance I use Quidco. I get about a quid for using Quidco to take me to the price comparison sites. I then use them to find me the best quote and use Quidco to take me directly to the insurers site so that I can earn the cashback on the policy rather than the comparison site getting the refferal fee.

My wife was with Kwik-Fit insurance. Last year they sent their renewal which was about 470 or so. This was a little more than the previous year. She pays monthly and the apr the robbing gets had on her policy was over 50%.

[gingerjedi]

My Direct Line renewal went up by £100 this year, to over £500 for a crappy car. I have full NCB and no points, and live in the sticks. I park off road but not outside my house and not in a secure garage.

I used GoCompare to find a quote that was about half that cost, from these folks:
Caravan Insurance UK - Static and Touring Caravan Insurance Quotes.

I was disappointed that Direct Line didn't try to retain my business my improving their quotation.

You must have fallen out of or they've changed their target demographic?

For 10 years straight I've found Direct Line to be the cheapest, their renewal never includes the 10% newcomers discount so I just do a new online quote and tell them I'd rather have that.

On the one occasion I found it cheaper on a comparison site the standard excess was astronomical.