Reply to: Car Insurance quotes

[BolshieBastard]

In case anyone asks, I should point out, I dont have any points on my licence.

All cars on Admiral multi car plus one of the benefits of not living 'darn sarf'! Oh yeah

[AtW]

3 cars, 1 BMW 320D Sport, 12k mileage p.a. 1 new BMW Z4 M Sport auto, (2.0 litre) 12k mileage p.a & a 1.8 Zafira, 10k mileage p.a. All cars with 2 named drivers, fully comp, biggest excess is on the Z4 of £300. All cars covered for business use.

Just got annual quote £980 all in.

Do you pay road tax?

Or did you register your cars with some offshore embassy?

Just asking like.

[BolshieBastard]

3 cars, 1 BMW 320D Sport, 12k mileage p.a. 1 new BMW Z4 M Sport auto, (2.0 litre) 12k mileage p.a & a 1.8 Zafira, 10k mileage p.a. All cars with 2 named drivers, fully comp, biggest excess is on the Z4 of £300. All cars covered for business use.

Just got annual quote £980 all in.

[BigTime]

When I renewed my bike insurance last year, I called the current broker and they put the price up. Went online and got the same policy, with the same broker slightly cheaper than the previous year with a meerkat thrown in.

[Halo Jones]

Well one of my permie perks (yes I know I pay tax on it) is for full car insurance so I don’t have to faff with this one any more

[wim121]

Try this site:

Cheap Car Insurance Job Picker: tweaking your job title can make your car insurance cheaper

[Sands of Time]

Does it matter too much if I put my occupation as...


Company director
Mgt consultant
Business consultant
IT consultant
Company secretary
Freelancer
Self employed



Tone

[nomadd]

Each company has a different risk profile, one day you might be in it, next you might not. There is the introductory discounts to entice you of course but they shouldn't be that much, they don't do loss leaders.

I'd been with them 5 years! That's what pi55ed me off the most. Should be long past the Introductory nonsense they normally pull. The bird at the other end of the phone got very stroppy when I actually phoned up to cancel - like "how dare you" sort of thing. Be-atch.

I can only put the increase in my insurance quotes down to the fact that I'm looking younger every year.

[BrilloPad]

Farcical

Spread is £220.43 + £370 excess to £926.66 + £3000 excess

For one of the best drivers on the road too!

The industry is a fookin joke

They all say that.

[northernladuk]

Just re-insured a motorcycle. Last year, £250, this year they wanted £650. Haven't made a claim in over 15 years. Full NCB, etc.

Moved elsewhere (Aviva) and managed to get it down to £270 all-in.

As you say, it's a lottery, so shop around.

Each company has a different risk profile, one day you might be in it, next you might not. There is the introductory discounts to entice you of course but they shouldn't be that much, they don't do loss leaders.

[OwlHoot]

... Just re-insured a motorcycle. Last year, £250, this year they wanted £650. Haven't made a claim in over 15 years. Full NCB, etc.

That's how the insurance companies make their profits, enticing new customers with good deals the first year then sneakily bumping up the premiums in subsequent years, relying on people being to lazy and apathetic to switch (and automatically renewing on your behalf unless you stop them first )

But it sounds like your insurance co forgot the "sneaky" part and overdid the price hike

[wim121]

New windscreen - does that count as a claim?

With most insurers, no and you keep your NCB, but you have to pay an excess sometimes.

Most brokers dont ask about glass claims, but IMHO it is pointless making a glass claim. You can get similar kits to autoglass very cheap on ebay and you local scrapper can supply you with replacement glass cheaper than your £50/£60 excess.

[Sands of Time]

New windscreen - does that count as a claim?




Tone

[wim121]

Farcical

Spread is £220.43 + £370 excess to £926.66 + £3000 excess

For one of the best drivers on the road too!

The industry is a fookin joke

If you need a hand, let me know. I help my friends and family with insurance as Im quite adept with it.

My very first insurance cost me just over £600 when most other new drivers couldnt get quotes below £1K. Every year I save at least a couple of hundred off the lowest quote on comparison engines by spending a day calling around a few specialist firms.


If you like I can help you here, but you might not want to post all your details in public. First off:

- How did you get those quotes? Is that just generated through a comparison engine?
- Who is your lowest quote off? Are you looking at comp or TPFT?
- Is your car modded in any way?
- Have you called your insurer and asked them to beat the lowest quote? Who is your current insurer? Have you called the bottom three quotes and played them off against each other?
- What is your age? What are your circumstances? Im guessing you have an sp30 or a claim in the past five years regardless of fault? Have you called specialist brokers?
- Do you have a families house nearby to get a quick quote on? Quotes can vary wildly based upon location. For example, prices a mile away from my house are half of what they are here.
- What occupation are you putting down? Be aware that although computer consultant and computer engineer is pretty much the same thing, except one is far cheaper.


I can pretty much guarantee your premium is derived from the amount of accidents with your make/model of car versus your driver profile. That is why premiums jump around. If more 5 series bmw's have accidents one year and more drivers your profile do, then your 5-series will cost you a lot more.

Where you really start to question the sanity is when:
- You get charged more for not being born in england but still being born british and being in the uk since a toddler.
- They get the model of your car wrong and yours is the one with factory fitted immobiliser, which bumps up your premium.
- Where they mix up your fault/non fault claims and you find out it is hundreds of pounds cheaper to have fault claims instead of non fault.
- Or when it is better to have less NCB rather than more.

[nomadd]

Farcical

Spread is £220.43 + £370 excess to £926.66 + £3000 excess

For one of the best drivers on the road too!

The industry is a fookin joke

Just re-insured a motorcycle. Last year, £250, this year they wanted £650. Haven't made a claim in over 15 years. Full NCB, etc.

Moved elsewhere (Aviva) and managed to get it down to £270 all-in.

As you say, it's a lottery, so shop around.