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The AA are terrible for prices - personally i found Tesco to be very competitive however, the best firm i tried was CIS.co.uk - they were excellent - give them a try! - on my friends premium (hes 17) as a named driver on a toyota corolla with his parents, tesco quoted £550 with £150 excess on TPFT - with the same excess it cost him only £320....for FULLY COMP! i know these are genuine quotes as he was using my computer to print them off.....b***** cheek! :-D
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My car is insured with Prudential. Their price FC and including breakdown cover was less than anybody else could get for TPFT only AND they allow you to pay monthly at no extra charge. However, they hiked the price up 20% when I changed from a BX TD to a Xantia TD last month, so I guess I'll be looking elsewhere again in March when it's time for the annual agony. Prudential is incidentally the only company that I have renewed my insurance with - every other year I have changed it!
Richard
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Well, DL came up at £2450, no surprises there seeing as they underwrite Tescos.
Mark - I tried Bennetts, at least I think I did, I looked up their phone number on-line, rang it, but it was for bike quotes, she gave me a number for car quotes and it was for a company called Dial Direct, the guy there said that they were a part of Bennetts? Is this the right company? If so, thanls for suggesting them, but unfortunately they came up with £3380! :(
Blue
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Blue,
Have you tried the co-op? They were pretty reasonable for younger drivers a while ago.
www.cis.co.uk
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Thanks DD, that's who we're with at the moment, I am going to try them again just before I cancel their policy, the last time I tried though they were over £2K in my own name, but are only £1350 at present.
Anyway, WOO HOO!!!! :) :) :)
I just tried Liverpool Victoria, they quoted £1850! :)
Bet I'm the only person that gets excited when they get quoted below £2K! I may actually be able to afford their cover after next pay day.
Blue
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elephant.co.uk always the best price for me and many others.
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I've no idea how much they'll charge for you, but I've always ahd great service from Quotebusters. They're on 01727 875777. Ok, I know I've got max NCD, but the total cost of Fully Comp on an Alfa 75 and a Celica is less than £500.
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PS re Quotebusters. You actually talk to a person who knows what he's talking about, not somebody tripping through a questionnaire.
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Thanks Alfafan, I rang everyone else today, and even Churchill couldn't better the quote from Liverpool Victoria.
I'm gonna try quotebusters tommorow and then see about making arrangements to cancel the CIS policy unless they do something mighty special.
Mark - I'm sorry this is dragging on, but I promise that this is the last bit of advice I will ask! :) Have you an opinion on LV? I've never heard of them before.
Blue
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I know nothing about LV other than that they've been around a while. My father has had home insurance with them since 1986 (!) because his mortgage told him to. They're extremely expensive for him, but he still won't change for some reason.
Tenuous I know but at least you know they're not a fly by night now.
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Sorry, Blue, I don;t.
However, all Insurers have to comply to various rules & laws. If one should, and its very unlikely, go bust then the others have to cover its losses via the Insurance Assoc.
My point being, the difference between a good and a bad insurer is mostly quality of service. The only other area it could affect you would be in efficiency or generosity in dealing with damage or loss to your car.
M.
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please try www.elephant.co.uk, i'm sure they will be cheaper
tells us your results
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Sorry mate, already tried Elephant, can't remember the exact figure, but I do recall that it was about £1000 more than LV!
However, I've decided to go with LV so I rang them back to confirm the details, I enquired what would happen if I increased the excess by £100. Great result! They knocked over £250 off the policy. :)
My total premium now stands at an eye watering but otherwise affordable £1595! :)
Thank you Liverpool Victoria, I love you! :)
Blue
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£100 excess, £250 reduction?
In other words, LV think you're going to have 2.5 claims in that car.
Ulp!
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Ah, I never thought of it like that!
Well, I guess it's now up to me to prove them wrong. :)
On the other hand, by upping my excess, they could say that I must be a more careful driver, as if I had a lot of accidents then I would not increase the excess. Well, that's the only other reasoning that I can think of for knocking more off the policy than they would get back in the event of a claim...
Blue
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Sounds like a mistake so I'd grab it while you can. They'll probably correct it when renewal comes up next year.
LV is a thoroughly reputable co. It's a Friendly Society formed in the mid 1800s i.e. it's been going for > 150 years! and expanded into motor/home insurance about 10 years ago.
Just got an on-line quote for my 2 cars. Competitive for the BMW (Group 15) at about £350 but very expensive for the Saxo (Group 3) at > £200 - almost double the going rate. Very strange.
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Maybe they're only friendly with high risk drivers! :)
I'm definately going to grab it while I can, unfortunately I'm about to enter the busiest period of my working week, some people think of it as a weekend, but I'm not sure what they mean. :( So it'll have to be next week, doesn't matter though, the price is guaranteed for 90 days. :)
Blue
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You might have already tried them, but I've found that Premium Direct (Alexander McNichol) gave me a good price. No online quote facility, but you can mail them your details and they'll quote.
www.premium-direct.co.uk/
Possibly a daft question, but have you thought of going to a (physical) broker? I got some good prices when I first invested in a car from one, although I ended up going with CGU because they offered interest free monthly payments. However, when they got taken over by NU, the premium rocketed and they introduced some stupidly high monthly charge.
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Hi Blue,
Nothing helpful to say except that I'm glad you've found an insurance company that is acceptable to you. Are you *sure* the price is guaranteed for 90 days? As in, if they found they *had* made a mistake, could they change their terms? If so, then, I'd strongly recommend you take out the policy immediately! I understand it's your busiest time right now, but if a couple of minutes on the phone can save you 250 quid - well it's probably worth trying for!
Hope all is ok, and all my best wishes,
HF
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Blue - let me know how you get on with LV. They were extremely good value for me as well.
I'm thinking of changing my car for a Focus next year when I get a better job. I've got quotes for my current car but unfortunately the company that's most competitive for me at the moment (£650) wants £1500 for a Focus Ghia TDCi.
On the other hand, Tesco want about £1100 for both cars.
LV seem to want about £650 for the Renault I have now and £1000 or so for the Focus, so it looks like they could be ideal for me.
Anything's better than my current insurer, who have not sent me a full policy even though I've been with them for 8 months and paid in full at the start; I've just received yet another monthly cover note from them.
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David - I certainly will let you know about LV, I don't forsee a problem, but then I should never count my chickens etc. :)
Hi HF,
Thanks, you are most likely right, if they discover a mistake, I'm sure that they could up the premium, however, I was so astounded on the phone that I asked the poor girl to read out my answer to every question that had been asked, so that I could confirm I hadn't accidentally given the wrong info! And I told her that it sounded like a mistake, but she assured me that that really was their genuine quote! :) So I'm not complaining...
I would take it up tonight, unfortunately, to take it out I need to have the cash from the exisitng policy which needs cancelling, and CIS are only open office hours, plus I need to get my dad to transfer the car into my name, if I suggested that we do this tonight, I don't think he would be too impressed!
Now that I've got the good quote though, yes, everything is fine thanks. Just got 3 assignments to finish by Tuesday, and a weekend at work to deal with now! :)
Have a nice weekend and take care.
Blue
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If it's not too personal, I assume you're in retail.
I need to get up at 7.30 to put on my purple shirt and tie and sell stuff... guess where.
Have a good one anyway.
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I'm not sure on this one, The Link? No, that's more of a lilacy colour, er... damn, I can almost see the shop, but can't picture it's name, never mind.
Yes though, I am in retail, but call centre side of things, much nicer to know that the irate customers can't lean over and hit me! :) Plus I can wear whatever I want... :)
Blue
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Hello Blue (again!),
I guess if you went through it that carefully with the insurers then they can't really back down now? Were they one of these companies for whom you get a never-ending list of 'press 1 for this option' etc, and then finally tell you that they might record your conversation? Because if it's recorded then they have no way to back down, surely? And I'm sure I will be put right here if i am wrong ;) And we have many experts here who will be able to give you a much better opinion than I ever could.
Understand about the cash thing, and the dad thing - try and do it monday if you can, if not then just asap!
Good luck with the assignments, and the weekend work - btw may I ask what you're studying at uni, and what work it is that you have to do at the weekends? Not meaning to be nosey, just interested.
HF
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