Having used confused.com and moneysupermarket.com, I've realised the latter is far better in respect of car insurance, however it's thrown this up by using some companies I've never heard of before, and I wondered if anyone else had ever used them?
Swift Cover.com
Simple Cover from Norwich Union.
I was wondering whether these companies are indeed wise options, or actually rip-off merchants? They are both around £650, instead of the £900 given by confused.com with Admiral...which is a sizeable saving...
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Unfortunately, there is nothing in this world for free! I am sure they take a cut or their revenue is based around advertising therefore they are not really interested in giving an accurate service. Anyway who regulates them?
Better going direct to the Insurance Company websites e.g. NorwichUnion.com, Privilege.com, Directline.com etc..
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A friend had a renewal notice from NU, for £1200 (18 y/o son) so went via moneysupermarket, and M&S who sell NU, quoted £300 less.....
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These two insurance companies are the only one's to offer below Admiral, even using websites directly of well known one's - Tesco, the AA, NU etc...so I was wondering whether anyone had any experience of either of them. Swiftcover seem to claim they do it by reducing their costs as its all through the internet...
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remember that the same insurance company can offer quite different rates through different introducers/intermediaries. It really depends on the deal struck between them. Some will work on much tighter margins than others (usually the insurer accepting the very tight margin not the introducer especially if they are a household brand used to hmm driving a hard bargain with suppliers.). Insurers will generally offer cheapest rates to people who will bring them large volumes of business.
Also these days there is much outsourcing of different parts of the new policy, admin and claims processes so it is not always easy to tell who is doing which and under whose management.
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Hear Hear UK Beefy! I put my details into confused.com and found that my own insurer was offering cover for £165. When I got my renewal notice it was for £225; I got on the phone and queried the difference and was given the lower price although my voluntary XS was raised from £100 to £200 which still thought to be a good deal! Hagglong with your existing insurer can be a good first step I think!
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I think its also relevant to what type of car you are insuring and what you need from the insurer.
if you are driving bager type cars (for reasons of economy maybe) and dont need a courtesy car, not too worried about who repairs the car, not too fussy about speed of repairs etc then the cheaper lesser known companies can be a real bargain.
I believe that all insurance companies are legally bound to provide cover via trade associations etc in case of bankrupty etc and this also guarantees basic requirements.
But you will not get as good a cover as the top price may give you. Do you need the extra is the real question ?
And if its cheaper to throw your car away rather than have it repaired and affect your ncd can also be a deciding factor?
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Probably worth a couple of cliks in the hints n tips shown here .. www.moneysavingexpert.com/insurance motoring & otherwise.
VB
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vk2+4,
Steer totally clear of the first one you mention. You never find out about a insurance co until you claim and in my case they would not honour a clause in their policy to fix the car thought the supplying dealer. They have now changed their wording proving they had got it wrong. No customer service skills, could not give a **** about an individual customer. Not the cheapet by far either - try confused.com.
If you want a company testimonial, go to the garage you may want to fix your car and see who they recommend.
Do be careful....the price may not be the cost in the end!
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