It's due this month the 27th and every time i find one cheaper someone always says you should have tried .........
So who do we use?
Go compare coming in at £20.00 cheaper than Hastings Direct who im with now, I know they have shot up and gone £100.00 more than last year!!
Can you recomend any and with links if possible.?
|
|
Not sure you will get a definitive answer as I think people have vastly different individual experiences, obviously depending on postcode but also "other factors". Someone said on here how cheap Churchill was for them. For me, they are nearly always around 2+ times my cheapest quote (which is usually a close-run thing between More Than and Direct Line).
|
Esure has been cheapset for me for 10 years - cheaper unknown names were £10- £15 cheaper.
Avoid their breakdown, legal cover as much cheaper with 3rd parties.
How good is Esure service - cannot say as I have never claimed.
Xtrail 2.2 diesel & Mazda Xedos V6 - total is under £400 Comp, 2 OAP drivers - thye wanted almost £200 to add eldest boy who is 38 and he pays £240 to esure for Lexus IS.
|
|
I was with LV for about 8 years, competitive premiums and good service on one claim I made. Then their premiums went up a lot I am currently with Esure. £180 PA full comp on a Ford KA
|
Slight thread drift again, but with insurers relying on their customers' inertia to jack up renewal premiums and caring not a jot for loyalty, it's so important to run regular comparison checks. I've done this four times this year alone and have made a good saving on each occasion; two products were price matched and two were moved elsewhere.
I'm looking forward to receiving my buildings and contents insurance later in the year.
Last edited by: Clk Sec on Sat 16 Apr 11 at 07:13
|
Following on from Clk Sec's valid points, swapping around should be balanced against being a long term customer of an honourable old established insurance company, where in the unfortunate event of a claim you might find the slightly higher costs worth paying.
|
>>Avoid their breakdown, legal cover as much cheaper with 3rd parties.
Can you recommend a good 3rd party from which I can source legal cover? I could do with sorting some out for myself as I declined the (expensive) offer when I renewed my insurance last time around.
|
>> Can you recommend a good 3rd party from which I can source legal cover? I
>> could do with sorting some out for myself as I declined the (expensive) offer when
>> I renewed my insurance last time around.
>>
Try LucyBC's* firm.
www.autolaw.co.uk/
(*the legal expert at HJ. No connection with me. )
|
>> Can you recommend a good 3rd party from which I can source legal cover? I
>> could do with sorting some out for myself as I declined the (expensive) offer when
>> I renewed my insurance last time around.
>>
>> Try LucyBC's* firm.
>> www.autolaw.co.uk/
I have kind of tried that route already. I sent in a simple question via their website weeks ago and never received a response at all. To be honest I have never seen anyone post up anything positive about subscribing to Autolaw, only ever problems with applications. It kind of puts you off.
|
Just tried Churchill with full no claims and protected £50.00 more than now.
8k miles too just for a test do between 8-10k still a flipping rip off at £550 for a diesel vectra when im 40 next.
Was told at 18 when i get to 25 it will drop loads did it? did it heck.!!
|
|
Nobody here can beat £1032 on a 1.1 8V Fiat Panda with 54bhp so no moaning please :).
|
>> Nobody here can beat £1032 on a 1.1 8V Fiat Panda with 54bhp so no
>> moaning please :).
I feel sorry for youngsters having to fork out that amount to insure their cars. When I started driving in the 60's motor insurance was certainly not a major expense, and I don't think drivers of that age were any better then than they are now.
|
>> I feel sorry for youngsters having to fork out that amount to insure their cars.
>> When I started driving in the 60's motor insurance was certainly not a major expense,
>> and I don't think drivers of that age were any better then than they are
>> now.
>>
In those days, would you have found these headlines as seen in the last week:
- Judge's anger after three scaffolders make £70,000 injury claim for van crash - at 1 MPH
- 'Cash for crash' scam that cheated insurers out of millions revealed after conviction of 35 fraudsters
- £1,000-a-year bill for car insurance is round the corner as fraud and 'ambulance chasers' drive up costs
see also
www.telegraph.co.uk/motoring/8449894/Had-an-accident-Fake-an-injury.html
By Philip Johnston 8:08AM BST 14 Apr 2011
"No win, no fee lawyers, dodgy claims for injuries and despicable meerkats are all to blame for the soaring cost of car insurance, says Philip Johnston."
|
>> In those days, would you have found these headlines as seen in the last week:
Probably not, but I have no problem whatsoever with the cost of my own motor insurance at £180 per annum fully comp for a big car, but I do feel that the younger generation are being hammered disproportionately with premiums of £1000 plus.
I seem to remember paying around £10 / £12 pa for third party cover in the distant past.
You have my sincere sympathy, Rattle. You were born too late.
|
>> I feel sorry for youngsters having to fork out that amount to insure their cars.
>> When I started driving in the 60's motor insurance was certainly not a major expense,
>> and I don't think drivers of that age were any better then than they are
>> now.
Cars were less powerful, had a lower acceleration and had a lower top speed.
|
>> Nobody here can beat £1032 on a 1.1 8V Fiat Panda with 54bhp so no
>> moaning please :).
>>
Don't blame us if you're a high risk. And 54 bhp in a modern car gives a far greater performance than it did when I was young.
|
|
I don't blame you, just jealous of you :). I was going to have a sex change operation to solve the problem but the law changed so I cancelled it.
|
>> Nobody here can beat £1032 on a 1.1 8V Fiat Panda with 54bhp so no
>> moaning please :).
>>
You are in your late 20's, aren't you?
Yet you have probably driven fewer miles than a 17 year old drives in his/her first year.
Last edited by: John H on Sat 16 Apr 11 at 15:46
|
Done about 6000 miles in total on my own, probably done about 1000 miles in my first Fiesta on L plates.
I didn't pass my test till I was 26 as I just had no need to drive before hand.
|
>> Done about 6000 miles in total on my own, probably done about 1000 miles in
>> my first Fiesta on L plates.
>>
>> I didn't pass my test till I was 26 as I just had no need
>> to drive before hand.
>>
There you go. You are an inexperienced driver, a high risk to Insurers.
How many M-way miles have you done? How many at over 50mph?
Last edited by: John H on Sat 16 Apr 11 at 15:54
|
Very little motorway driving but that is why I avoid them. I am not claiming to be anything other than inexperienced.
Most my country road experience has been driving through Anglesey.
|
>> Was told at 18 when i get to 25 it will drop loads did it?
>> did it heck.!!
>>
They've sussed that you are a hot headed rabble rouser. ;-)
|
|
In general, you get what you pay for. A low premium could well indicate an inferior cover and/or service.
|
>> In general, you get what you pay for. A low premium could well indicate an
>> inferior cover and/or service.
>>
Trouble is you do not find out how good/bad the claims handler &/or Ins company are till you make a claim...........................then it is a bit late in the day to choose ANothyer compnay bto cover the car/ house or whatever.
|
>>A low premium could well indicate an inferior cover and/or service.
It might, but with the benefit of feedback from this forum (and others), insurers' T & Cs, which are usually available online and recommendations from friends and family, you should be able to sort the wheat from the chaff and save a few bob at the same time.
|
>> Trouble is you do not find out how good/bad the claims handler &/or Ins company
>> are till you make a claim.
Fair comments, as with most things if the company make dealing with them pleasant at purchase time, having a local office/rep helps, then hopefully they'll be equally available should the crunch come...i dislike intently dealing with call centres.
Co-op and NFU (current for everything for years) are superb, i've had claims with both and with both companies things could not have been easier or the settlements more fair....in both cases write off payout's well in excess of both car's market values due to their excellent pre accident condition (stated on engineers reports), no hassle, no negotiation needed.
NFU staff at the local office don't need to ask the team leader or any such thing when you need to speak to them, presumably they are picked well and trusted to use their own judgement...not cheap, but excellent value imo.
|
>>Co-op and NFU (current for everything for years) are superb,
I'm glad you've had such good service from them, GB, but I was not at all impressed. I think we've had this discussion before on the other forum, but I attempted to contact my local NFU office via their online contact form just before my motor insurance renewal was due on TWO consecutive years, and had no response on either occasion. As for the Co-op, I've had non-motor insurance with them in the past and would not recommend them to anyone else.
|
>> Co-op ............. are superb, ..............
I agree. I've been with Co-op for car insurance for yonks. Good cover, reasonable premium, and superb service.
|
>> I agree. I've been with Co-op for car insurance for yonks.
I would expect to be paying vastly over the odds for the various items I have insured, if I remained with any company for too long.
|
>> >> I agree. I've been with Co-op for car insurance for yonks.
>>
>> I would expect to be paying vastly over the odds for the various items I
>> have insured, if I remained with any company for too long.
>>
>>
I'm just saying what I've actually experienced, not what "I would expect".
|
>> Co-op ............. are superb, ..............
Not for me there not £210.00 over the original price....................!
|
>> In general, you get what you pay for. A low premium could well indicate an
>> inferior cover and/or service.
>>
In general, you get what you pay for. A high premium could well indicate a rip-off merchant.
|
>> A high premium could well indicate a rip-off merchant.
Indeed. You should see some of the quotes I had for building work a while back.
More thread drift...
|
"A low premium could well indicate an inferior cover and/or service."
Or conversely a high premium might well mean that you are paying over the odds for a lot of advertising and extra cover that you don't need. As in the motor trade most expensive rarely means best value.
|
Unbeleiveable put are lass on insurance it's now £140.00 cheaper and they have not seen her drive!!
£415.00 fully comp. that will do...............
|
Insurance who's a good deal? - smokie
