Omega Owners Forum

Chat Area => General Discussion Area => Topic started by: Rangie on 01 March 2025, 20:11:24

Title: Quite a difference in insurance quotes
Post by: Rangie on 01 March 2025, 20:11:24
Wifes car insurance is due at the end of the month, been on compare the market, cheapest £255 dearest £1204.00 how on earth can they vary so much but on paper provide exactly the same cover. 
Title: Re: Quite a difference in insurance quotes
Post by: Field Marshal Dr. Opti on 02 March 2025, 11:18:06
£255....good deal. :y
£1204....thieving bastards. :(
Title: Re: Quite a difference in insurance quotes
Post by: Andy B on 02 March 2025, 13:28:22
.,......
£1204....thieving bastards. :(

Or their way of saying they want to insure the car or her ....  :-\
Title: Re: Quite a difference in insurance quotes
Post by: Field Marshal Dr. Opti on 02 March 2025, 14:36:17
.,......
£1204....thieving bastards. :(

Or their way of saying they want to insure the car or her ....  :-\

I recently tried to cancel my insurance on the mighty and highly desirable Signum. There was 3 full  months remaining.

Policy only cost £135, so a refund for 3 months came to £33.75. :y

Then they informed me about the £50 early exit charge. :-X

They just can't help themselves. :-X

Title: Re: Quite a difference in insurance quotes
Post by: STEMO on 02 March 2025, 15:41:59
.,......
£1204....thieving bastards. :(

Or their way of saying they want to insure the car or her ....  :-\
Or don't even.....
Title: Re: Quite a difference in insurance quotes
Post by: Andy B on 02 March 2025, 15:59:21
.,......
£1204....thieving bastards. :(

Or their way of saying they want to insure the car or her ....  :-\
Or don't even.....

Well done Steve .... you spotted my deliberate mistake  ::)
Title: Re: Quite a difference in insurance quotes
Post by: Rangie on 02 March 2025, 16:52:39
She's presently insured with Carol Nash cost around £300 last year renewal is due in the next couple of weeks they're coming up at £266 on the Go compare app be interesting to see what they quote at the renewal ,if it's £266 we'll stay with  them. We both have clean licences & maximum NCB.
Title: Re: Quite a difference in insurance quotes
Post by: Sir Tigger KC on 02 March 2025, 17:19:16
Any advantage in using the comparison sites apps over the website?  :-\

I've used booking.com and Agoda quite a lot recently to book flights and accommodation, and sometimes the prices are better on the apps than the website.  :)
Title: Re: Quite a difference in insurance quotes
Post by: Lizzie Zoom on 02 March 2025, 18:33:13
Any advantage in using the comparison sites apps over the website?  :-\

I've used booking.com and Agoda quite a lot recently to book flights and accommodation, and sometimes the prices are better on the apps than the website.  :)

I have a regular habit now come a month before the renewal date.  I get a string of quotes through from the likes of Confused.com, then with the cheapest go back to my regular insurance broker, The AA, who by then have always put through a quote higher than from the comparison web sites, strictly taking in benefits, excess etc.  The AA then at least match the cheapest/best benefits quote after some calculating.  Works a treat! ;D  ;)
Title: Re: Quite a difference in insurance quotes
Post by: Andy B on 02 March 2025, 18:51:09
Any advantage in using the comparison sites apps over the website?  :-\

I've used booking.com and Agoda quite a lot recently to book flights and accommodation, and sometimes the prices are better on the apps than the website.  :)

I have a regular habit now come a month before the renewal date.  I get a string of quotes through from the likes of Confused.com, then with the cheapest go back to my regular insurance broker, The AA, who by then have always put through a quote higher than from the comparison web sites, strictly taking in benefits, excess etc.  The AA then at least match the cheapest/best benefits quote after some calculating.  Works a treat! ;D  ;)

Martin Lewis reckons you need to get your quotes 3 weeks before renewal .....  :y

https://www.moneysavingexpert.com/news/2023/11/martin-lewis-halve-car-insurance/
Title: Re: Quite a difference in insurance quotes
Post by: Doctor Gollum on 02 March 2025, 19:59:08
If searching for anything on line, clear all the cookies before you revisit the site to actually purchase.
Title: Re: Quite a difference in insurance quotes
Post by: YZ250 on 02 March 2025, 20:02:04
My wife’s renewal arrived a couple of days ago. Surprisingly it’s £30 cheaper than last years renewal.  :)
Title: Re: Quite a difference in insurance quotes
Post by: ronnyd on 02 March 2025, 21:05:22
As i turned 80 last year i was expecting to get shafted on the renewal last month. It actually went down this year,  but only because i changed to another company, as the one i was with wanted double last years premium. >:( Bloody thieves.
Title: Re: Quite a difference in insurance quotes
Post by: Andy B on 02 March 2025, 22:03:39
As i turned 80 last year i was expecting to get shafted on the renewal last month. It actually went down this year,  but only because i changed to another company, as the one i was with wanted double last years premium. >:( Bloody thieves.

my Dad paid a silly amount for his car insurance last year because of his age ..... he'll be 88 this year!
Title: Re: Quite a difference in insurance quotes
Post by: Viral_Jim on 02 March 2025, 22:59:45
Wifes car insurance is due at the end of the month, been on compare the market, cheapest £255 dearest £1204.00 how on earth can they vary so much but on paper provide exactly the same cover.

The boring answer is that insurance companies look for a variety of risk categories to build a book of business. Some high risk high premium, some low risk, low premium.

The £1000+ means the insurer doesn't want your wife's level of risk. A bit like asking a busy builder to quote you on a job.
Title: Re: Quite a difference in insurance quotes
Post by: Rangie on 02 March 2025, 23:55:15
Wifes car insurance is due at the end of the month, been on compare the market, cheapest £255 dearest £1204.00 how on earth can they vary so much but on paper provide exactly the same cover.

The boring answer is that insurance companies look for a variety of risk categories to build a book of business. Some high risk high premium, some low risk, low premium.

The £1000+ means the insurer doesn't want your wife's level of risk. A bit like asking a busy builder to quote you on a job.
.

Think I'll accept that one just to piss them off..😂
Title: Re: Quite a difference in insurance quotes
Post by: Rangie on 07 March 2025, 13:58:45
Received the renewal invitation today from Carol Nash £199.32 ! That's a good result under £200 can't believe it, after hearing the horror stories some people are telling about motor insurance.
Title: Re: Quite a difference in insurance quotes
Post by: STEMO on 07 March 2025, 14:17:07
Received the renewal invitation today from Carol Nash £199.32 ! That's a good result under £200 can't believe it, after hearing the horror stories some people are telling about motor insurance.
I can only dream of a quote like that
Title: Re: Quite a difference in insurance quotes
Post by: Migv6 le Frog Fan on 07 March 2025, 14:25:02
Just insured the little Shitroen for £175 with £45 cashback to come.
Aviva via Topcashback.
Interestingly I got a quote directly from Aviva and it ws over £300.  ???
Title: Re: Quite a difference in insurance quotes
Post by: Rangie on 07 March 2025, 16:57:12
Received the renewal invitation today from Carol Nash £199.32 ! That's a good result under £200 can't believe it, after hearing the horror stories some people are telling about motor insurance.
I can only dream of a quote like that


I actually expected at least £250 +
Title: Re: Quite a difference in insurance quotes
Post by: STEMO on 07 March 2025, 17:01:30
Received the renewal invitation today from Carol Nash £199.32 ! That's a good result under £200 can't believe it, after hearing the horror stories some people are telling about motor insurance.
I can only dream of a quote like that


I actually expected at least £250 +
Mine was over £500 for the astra last year. It's a combination of my age and my postcode.
Title: Re: Quite a difference in insurance quotes
Post by: STEMO on 07 March 2025, 17:03:27
But I remember you posting last year that you weren't bothered about going with a big name, nor wanting all the bells and whistles.
I seem to remember that Go Skippy was about £280, might try someone like that this year.
Title: Re: Quite a difference in insurance quotes
Post by: Rangie on 07 March 2025, 17:36:29
But I remember you posting last year that you weren't bothered about going with a big name, nor wanting all the bells and whistles.
I seem to remember that Go Skippy was about £280, might try someone like that this year.
.
Yes that's for the Range Rover simply because of its age I know it would  be written off as long as it's legal that's all I want, out of interest I've just had a look and Tesco would insure it for £270 fully comp.
Title: Re: Quite a difference in insurance quotes
Post by: Rangie on 11 March 2025, 10:28:52
Paid the insurance on the Toyota yesterday had one last check on the comparison site and eventually went with Tesco £40 more but includes absolutely everything + feedback was slightly higher than Carol Nash.