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[Mr Skrunts]

So.  Admiral

Been with them quite a while
22 Y NCD (Thier number - most wont accept it)

Started at £260
Down to   £239 but I am not happy with that.

But I have been told the UK average has come down by £90 per policy.

So off to check the market.

Anyone had any good deals this year.

Cars a 2.2 2003 Auto Saloon

[Mr Skrunts]

My anual mileage

Think its on 56,130, MOT is every Dec

20    56,013       
19    55,397       616
18    54,152       1,245
17    53,308       844
16    52,011       1,297
15    49,917       2,094
14    47,672       2,245
13    46,490       1,182
12    45,076       1,414

and the 616 miles was Dec 2019 to lockdown

[STEMO]

Where you live will decide a large part of the premium.

[Mr Skrunts]

Compare the market

RAC Insurance
£166.40
Compulsory   £150
Voluntary   £0
Excesses
Total   £150

Included - Personal accident
Included - Courtesy car
AddAnnually - £19.99 Breakdown cover

 Motor legal protection - Addedfor free for the first year

[Mr Skrunts]

Where you live will decide a large part of the premium.

I know, When I moved 12 years ago my premium rose 26% because I went to a lower number post code.

[Mr Skrunts]

70% of the quotes are under £200

Certainly didnt expaect RAC coming in the cheapest. and thats just the 1st step on GoCompare, and they take a huge chunk in commission (Heard it was £70 a time)

[Migv6 le Frog Fan]

Insured the Boxster with Aviva via Quidco. £169 but £70 cashback to come, so £99 for the year. 

[STEMO]

Insured the Boxster with Aviva via Quidco. £169 but £70 cashback to come, so £99 for the year. 

But they know there's a good chance you'll be off the road for most of the year 

[Migv6 le Frog Fan]

Well, there is that I suppose. 

[Sir Tigger KC]

I've found Direct Line to be pretty good recently. 

[Keith ABS]

 Reinsured the Monaro.
Oh, we didnt have down you have an advanced driving licence or its kept in a garage.
Let me recalculate. It was £311 new figure £308
How is that sir?
A plan, 3000 miles a year

[deviator]

1993 Mk1 MX5. Full protected NCB. 12k a year. The only downside is no 3rd party cover for other vehicles.

It started off at £165, but as I went through QuidCo, I got £40 cashback making it £125 for the year. I'm more than happy with that, a classic policy price on a daily driven car.

[Doctor Gollum]

Which begs the question as to why it wasn't £125 to begin with.

As an aside, who pays for the cashback

[deviator]

Which begs the question as to why it wasn't £125 to begin with.

As an aside, who pays for the cashback

Me. Some people would have paid the 165, I'd be happy with that, but as I used QuidCo to do the search in the first place, it was the cheapest option.

[Doctor Gollum]

Which begs the question as to why it wasn't £125 to begin with.

As an aside, who pays for the cashback

Me. Some people would have paid the 165, I'd be happy with that, but as I used QuidCo to do the search in the first place, it was the cheapest option.

You missed my point.

1.Why wasn't £125 the best price?

2. Who covers the cost of the cashback?

[deviator]

You missed my point.

1.Why wasn't £125 the best price?

2. Who covers the cost of the cashback?

1. Because that is not how insurance works. Insurance company offers a price to comparison site, some of that money is a kickback to the website that brought you to them. Quidco gives you some of that kickback back to you, so whilst it's backwards to get cashback from yourself, as it got me a cheap policy, I don't care.
2. I cover the cost of the cashback. I'm the only one paying money out, so however it gets there, it's still my money.

[Doctor Gollum]

That makes a bit more sense. Or not. 

[Mr Skrunts]

So

Compareing RAC came out top following by Avia both £160ish (Not loged in)
Logged in via Top Cash back prices rose to £225 Avia, Rac got silly (£35 cash back so efectivly £30 worse off)

Decided to ring Aviva - thier advice was thier own site was the cheapest & way better than comparison sites at only £416

[STEMO]

So

Compareing RAC came out top following by Avia both £160ish (Not loged in)
Logged in via Top Cash back prices rose to £225 Avia, Rac got silly (£35 cash back so efectivly £30 worse off)

Decided to ring Aviva - thier advice was thier own site was the cheapest & way better than comparison sites at only £416

Does it really surprise you that prices go up when you go through a site that gives you money back?

[Doctor Gollum]

Smoke and mirrors springs to mind 

[Sir Tigger KC]

I just had my renewal through the post from Direct Line for the Mondeo.

Last year £237, this year £227. 

[deviator]

Aviva = Norwich Union.

DANGER! WILL ROBINSON, DANGER!

[Mr Skrunts]

So

Compareing RAC came out top following by Avia both £160ish (Not loged in)
Logged in via Top Cash back prices rose to £225 Avia, Rac got silly (£35 cash back so efectivly £30 worse off)

Decided to ring Aviva - thier advice was thier own site was the cheapest & way better than comparison sites at only £416

Does it really surprise you that prices go up when you go through a site that gives you money back?

Not in the slightest, but maybe thats why I didnt use the service years ago when I 1st joined.  But to be fair there will be deals worth having.

Just remembered why I didnt bother last time, Like other companies the bigger benefits are for those "New customers" and not us existing ones.

[Doctor Gollum]

Aviva = Norwich Union.

DANGER! WILL ROBINSON, DANGER!

Can't be any worse than LV.

[Sir Tigger KC]

I just had my renewal through the post from Direct Line for the Mondeo.

Last year £237, this year £227.

Just ran this through Go Compare (other comparison sites are available!) and got £167 with Esure! 

[Shackeng]

Aviva = Norwich Union.

DANGER! WILL ROBINSON, DANGER!

Daughter was flooded last year, Aviva have been superb dealing with it, as opposed to AXA, also involved.
I am having serious problems with Admiral at present. Having asked them to complete a pdf document, they have claimed, several times, over some weeks, that they are unable to read it, despite it being readable on every other platform I’ve sent it to. When I asked why they are the only company in the world unable to read pdf documents, they replied “ Happy to Help” We have cancelled your home insurance policy from xx/xx/2020, (a date mentioned in the ‘unreadable’ pdf, which is not a request for policy cancellation or anything similar.) Needless to say, I shall not be renewing with them.
STOP PRESS: Just received their latest which begins: “We are deeply regret that.....etc”
I give up.

[BazaJT]

Recently renewed insurance on the 960,car kept on the road 2yrs NCB £179 for the year.The company it was with last year sent me an e-mail prior to renewal date stating they were sorry they couldn't continue insuring it so I'd have to look elsewhere for cover,they gave no reason they wouldn't even quote a renewal figure.Then a few days after that e-mail they sent me another one saying they were soory I was leaving them!

[annihilator]

Hastings direct (through there own website)
£160 minus £35 cashback
Mid 50's, max ncb
97 Tourer V6.

[Mr Skrunts]

What a performance.

Last year I told Admiral I would change insurer after thier qoutes kept going up.

2 years ago they took £750 off me whilst I was in hospital and knew nothing of it.  When I got home I got a £530 refund.

Last year they tried for only £350 and I paid £232.

This year they started at £260 and wouldnt drop below £239 (I think it was)

Compare the market came up with quotes from £156 and as they earn commision for the the site I tried to ring a couple.  On the phone one that was £156 ended up at £416.

I also tried RAC which was £146.66 £0 voluntry access, continued to thier quote & added basic breakdown cover total £186.45.  5 attempts to save the qoute but all failed.

Phoned RAC this morning, 15 mins of explanations to get to an advisor and the B**** cut me off.

2nd attemt, the quote had been save but not visible to me, and once checked I get a new price of £266




Result, back through go compare, re done it all manually from thier link.

Covered for £186.45  Inc breakdown cover.

[STEMO]

Don't forget to pay yourself two days wages for the time it took 

[Mr Skrunts]

Don't forget to pay yourself two days wages for the time it took 

Plus compensation for stress.

[Olympia5776]

I had an interesting experience last month whilst renewing the insurance on the Omega .
As it's 22 years old now it's able to be insured as a classic.
I called a well know Irish Classic insurer , FBD , and asked for a quote .
We went through the motions and before she gave me a figure she tersly says " you know this policy only allows you to drive to and from a classic car show and perhaps a short sunday evening drive ...."
 Really says I in a quizzical way ....
" and if you have an accident and we find shopping in the car then you will not be insured ."
So I asked what if we are driving back from a classic car show , on a sunday evening ... and I stop for petrol and my wife goes into the shop and buys a loaf of bread and a pint of milk ?
"You would have to prove that it was she who purchased it and not you . "

I actually slowly and deliberatly hung up the phone at this point .

Anyway , I was recommended an insurer in the North , Abbey Autoline , and after a refreshingly pleasant conversation with the girl there they gave me an excellent quote that includes everything that I was being quoted for elsewhere for just over a third of the price , with agreed value too.
If I could only reduce the road tax by the same amount ....