For my particular circumstances, MoreThan gave the best combination of price vs. cover in 2007, so I paid them £76 via their web site.
I only got a renewal invitation by post (curiously no email) this year wanting £78, but the letter had no internet renewal facility - it just said phone 0800....and renew for £78. A mere £2 more.
Mmm........I thought. I went to their web site, and under the "where did you hear about us" section I ticked the existing customer option and was asked to pay £67 which I did.
First it was £2 more than and it became £11 less than.
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When I accidently bought my Porsche last year I phoned up to insure it after having a run through confused.com/
They asked if I wanted breakdown cover and said it was £80. I said that's too much.
They said £60
I said that's too much so was offered it at £40.
I suspect that most cars are reliable enough these days that its only the older ones that are poorly maintained that need much recovery.
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...but the letter had no internet renewal facility - it just said phone 0800....and renew for £78...
Just guessing, but More Than may be trying to steer existing customers away from the web because they know the new business quote online will be cheaper.
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I have certainly had some success playing off my insurers renewal quote against their price result from a price comparison site. £60 difference on a £200 premium. I just priced up a Thomas Cook holiday; £900 from the brochure and £203 cheaper booked on line! It pays to research and haggle - if you have the time and inclination!
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3 years ago (and for 20+ years) I was with Direct Line /Green Flag - same Co owned by RBS.
Renewal for 2 cars inc Home Start £120
Web - £98 so they matched it
Following Year DL £122 - Green Flag Web £91 for new customer but DL would not match so I changed to GF
This year GF wanted £102 but new cust is £78 -they would not take me as a new cust so I enrolled in wife's name.
Next year no doubt I will have to enrol as a new customer in my own name.
E-sure Car Ins is similar story - renewals £171 knocked down to best E-sure web price of £158 on the Nissan and from £168 to £141 on the Mazda.
2 x 2 ltr+ cars for under £300 fully Comp - less than 50% of what I paid 10 years ago despite having a full NCB in 1998.
The web comparison sites certainly has reduced Car Ins / Breakdown in my case.
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