My insurance is due for renewal soon. Changed ins company last year to what was a good deal after using a comparison site. This year they said I could renew it for same price (£254) but thought I would do a quick check for better deals and found several cheaper. As a result I rang my present company and pointed this out and got a new quote for £183 - saving of £70!
Maybe you all do this already, but thought it worth mentioning - saving of £70 for the price of a phone call ain't bad!
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My wife and I both renewed our policies this month having both passed the magic age of 50 last year. What a change in insurance cost! We're both now with Saga and take advantage of their interest-free monthly payments. We pay about £12 a month each now. This represents a saving of over £100 each per year compared with our previous insurer.
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Doc,
I didn't mention names - but Saga were "my" company that I rang and got the £70 reduction. I was told that monthly direct debits incurred a credit cost (£18.55 in my case on the original "high" quote) but quarterly DD did not. Might be worth you checking again - might save you a few more quid! If you can quote a cheaper quote from somewhere else they say they will match it - same terms obviously
Good luck!
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The interest free monthly payments seem to be an internet only offer. I find these days that internet quotes are the best, after all they save the company paying staff. I found the Saga quotes by using 3 different insurance search websites and their quotes were the best by miles.
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I have been with Saga for several years.However,went to one or two comparison sites and foud insurance for £150 less! This has fewer frills than Saga,but even after joining a recovery/breakdown service I am well in pocket. I think if one stays with the same lot too long they start thinking they can charge what they like.
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Piggy,
Agree, there were cheaper quotes for basics, but Saga offered limitless "Green card " fully comp insurance and I do quite a few booze cruises and weekend/short breaks to France per year, also took out legal protection and a low excess for my £183.
Guess it pays to shop around for the best deal for your individual needs not sure I could knock £150 off my insurance - would only cost £33 year if I could!
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Same applies to Breakdown Cover, Regular servicing (ring around 2/3 Franchises if it has to be a franchised garage) & some Indies if not
Last Year Breakdown Cover £120 for 2 x cars - £92 (with same Co.) Cancelled existing policy and became a "new customer" with preferential price.
Insurance Premium reduced by £40 - did not take Legal cover as this is free with Shell CitiMastercard and reduced mileage to a more accurate figure as driving distances have fallen for this car.
Service - 3 BMW garages - 2 @ nearly £400 Inc VAT
1 quoted £270 to my son - it should have been £270 + VAT but they did not state this at the time and eventually settled for £270 after 5 minute tirade - "You quoted £270 - no mention of VAT" ........."We have a verbal contract at £270" Other garages quoted a VAT inclusive price......... and I would not have driven 30 miles here and back....... Upshot saved £130 on local BMW garages.
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Having found the cheapest quote using the big comparison sites, approach the winning company through their own website and you can often get a quote that saves the £12-15 commisionwhich the insurance companies are charged by that website.
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I saved around £160 by going via confused .com from < More Than to Liverpool Victoria.
Be careful when using these comparison sites that you are comparing like for like .
Despite entering exact details of what I wanted , I noticed omissions on the confused quote - like no hire car and different excess to the one I requested which had to be adjusted when I spoke to LV. The saving above was after adjusting to include the correct requirements.
I tried to get < More Than to match the revised quote but the most they would go was £50 reduction.
I am haggling all day in my business and used every way I could to get them to match LV price - they just said they could not do it at that time but that if I came back to them the next week the situation may have changed .
By strange coincidence , a lady who works for me has just transferred from Direct Line to < More Than because she got a much better deal.
I suppose from insurance companies viewpoint its swings and roundabouts but you'd think they would fight harder to retain customer loyalty.
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