Its renewal time again :(
Some may recall last year an issue with Direct Line where they had not renewed due to old card details but My Dashboard indicated it would auto renew and they did not inform me there was an issue. As I said at the time good job I wasn't using the vehicle ;)
This years renewal has landed. Its been just under or over the £200 mark for a number of years.
Last year it was £181 and the renewal is £250. Thats a £70 increase, roughlyish 30% :( . No claims or convictions, exactly the same terms.
So I've been on a comparison site and crunched some numbers and looked at the offerings.
I don't need legal assistance or breakdown as its taken care of elsewhere.
I really am not sure of this NCD protection. I think its a racket like the Mortgage Indemnity premium because your still going to get stiffed with an increased premium if you make a claim. The maths are hidden anyway so you cant be certain if your NCD protection would have been of benefit.
It seem the majority of policies are underwritten by Ageas.
What was of interest and of note was the windscreen cover or lack of. Digging down the cheapest policies windscreen cover was within the Excess, so in essence there was no cover. The slightly more expensive had cover for windscreen and side glass only and sunroofs weren't covered. Varying amounts of customer excess below £100. The slightly higher priced policies covered sunroofs as well. As mine has a panoramic sunroof suitable cover is a must, I'd hate to think what the replacement cost would be.
So as usual you get what you pay for but it can be hidden in the small print. Just need to do a full comparison with my current providers and the offerings I've been considering with a view to having something to negotiate with Direct Line or to move on to another provider.
Last edited by: Fullchat on Mon 17 Apr 23 at 17:35
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