Well this made me chuckle anyway.
I am currently insured with Direct Line, and have been for a number of years, as no one can ever beat them on price, anyway as always I look around, just in case, and after reading one of the insurance threads whereby if you try Direct Line online the quote can sometimes come out cheaper, partly due to the fact that you get 5% online discount. Anyway I tried DD online and the quote came out £30 more :-)))) "Its a Funny old game"
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It always pays to shop around when the renewal comes round! My son-in-law just changed cars and the insurer who covered his Mondeo estate wanted £800+ for his E Class Merc. He got cover for just over £400 by looking around, and with a reputable insurer too. One of the cheapest turned out to be the one to which there is/was a link from this site. Direct Insure or Insure Direct - Tel 08000 88888.
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Not that unusual though.
Insurers frequently decide that they need to re-balance their risk profile and to this end can re-adjust their rates for new business. They can also do it for renewal business, but this is less common.
This can be an advantage or a disadvantage which is why you should *always* obtain alternative quotes at renewal, even if you are using a broker.
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I have heard that some of the cheaper insurers aren't quite so keen on paying out, although I must admit that I have not had the need to find out yet.
Is there any truth in this?
NB by "cheaper insurers" I suppose that I mean those smaller companies.
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What do you mean by 'not keen on paying out'? I think it's fair to say that some companies probably sweat less about litigating every little point, whether against clients or the other driver. If there is an insured event and no breach of the policy terms it's hard to see how they can avoid paying though and that's what organisations like the GISC are for.
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David,
I suppose by "not" I should have said "take a very long time". As I said I have been fortunate enough not (yet) to have needed to find out.
One of my neighbours had their car stolen (lifting the keys through the letter box) and it took 6 months to get a replacement car (new for new). Is this normal? To my eyes it is a very long time to get settled.
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Dont know if this has been mentioned before, but fits as an insurance funny.
Michael Winner does those awful insurance adds, and claims he is a carefull driver and therefore insured by E-sure. Problem is, if you answer yes to this question:
Do you or any of your drivers have the following occupations:
performer or presenter in films, TV, radio, music or other performing arts;
They wont insure you!
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IMHO M.W. is a good reason not to use e-sure.
www.confused.com found me insurance at 47% of what my previous insurer quoted me for my new car.
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I've been with DirectLine line for a few years as their service was good for me and their rates competetive. Renewal came last week for 200 quid.
Tried confused.com and varied from 170 to 300 quid.
Tried some of those that confused didn't check and MoreThan came out at 126 quid with protected NCD at no extra cost (they say premium protected as well).
Played around on their web site and TPTF same as Fully comp.
So for ancient git with an MX5 garaged rurally, 3 points, limited to 8000 miles - 126 quid - snapped their hands off I did.
Martin
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Wonder how much J Clarkson has to pay for his insurance?
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I have had my renewal from direct line today. Saab 9-5 2.3se with protected no claims and legal protection came in at £308.70p. About £30.00 cheaper than last year.
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I have had my renewal from direct line today. Saab 9-5 2.3se with protected no claims and legal protection came in at £308.70p. About £30.00 cheaper than last year.
I renewed mine with DL earlier this month and that was also around £30 cheaper for the same car than last year as well. I saved myself an extra £12 by also getting a quote on-line, which again was cheaper due to the 5% discount. They said they don\'t generally honour the 5% discount for existing customers, but being a customer for several years now, they made an exception for being so loyal, but probably wouldn\'t do the same next year. We\'ll see.
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But DD, you'll be even _more_ loyal in a year!
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I tried the loyalty thing today. It didn't work!
From another thread, you might know I was quoted something like £180 from one company, my current insurers phoned today and quoted me £60 above that. When I asked them to reconsider/offer better quote etc, they could only come down by £20.
Tis why I tend to move insurers quite regularly.
HF
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On this not keen on paying out I have a strange story, off topic from motoring I'm afraid but always wondered what the game was.
We had a claim on the buildings insurance due to storm damage. Not a big claim but before contacting X insurance looked at the cost of doing the repair, weighed up factors such as excess, loss of no claims discount, anytthing else I could find in the blurb and even put an extra bit on next years premium above and beyond expectations just to see if on balance worth claiming. Nett to me it ended up about £100 after excess etc
Decided to claim and in discussion with the insurance advisor after they had taken the details they asked "So are you sure you want to claim?"
So explained to them how I had calculated it all out, "Have I missed something out?" She confirmed my logic and maths was spot on but then came back with "So are you REALLY sure you want to claim?"
I then had an exact repeat of the whole conversation with her and the supervisor who again came back with "Well are you sure you want to claim?" The tone of the question inferring "Well on your own head be it. (or roof in this case)"
I always have wondered why they did this, or is it just a very unsubtle attempt to turn claims away by creating uncertainty.
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