Omega Owners Forum
Chat Area => General Car Chat => Topic started by: STEMO on 14 March 2025, 21:02:40
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So just renewed with Go Skippy for £240 less than my renewal from LV. I'm insured, don't care about the niceties.
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Do you use cashback sites ?
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So just renewed with Go Skippy for £240 less than my renewal from LV. I'm insured, don't care about the niceties.
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I was with LV for over 20 years Steve, they've done themselves no favours at all the RR is now with quote me happy £255 & the Toyota with Tesco £240.
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Do you use cashback sites ?
Come on, Albs, I CBA to even breathe some days 😴
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So just renewed with Go Skippy for £240 less than my renewal from LV. I'm insured, don't care about the niceties.
Did you challenge LV over their quote Steve and try to get them to match Go Skippy?
I certainly have always been able to use that tactic very successfully over the years, including my renewal last month with the AA? ???
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i was with esure for afew years . 2years ago the onega was £250 . last year they wanted £80 more to renew . found online for £215. esure wouldnt match it !!
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So just renewed with Go Skippy for £240 less than my renewal from LV. I'm insured, don't care about the niceties.
Did you challenge LV over their quote Steve and try to get them to match Go Skippy?
I certainly have always been able to use that tactic very successfully over the years, including my renewal last month with the AA? ???
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I did Lizzie , and they simply wouldn't budge that's how they afford all the nonsensical TV ads, they always did good rates for Civil servants for years but that's all gone now.
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So just renewed with Go Skippy for £240 less than my renewal from LV. I'm insured, don't care about the niceties.
Did you challenge LV over their quote Steve and try to get them to match Go Skippy?
I certainly have always been able to use that tactic very successfully over the years, including my renewal last month with the AA? ???
They said they could come down by £20.
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So just renewed with Go Skippy for £240 less than my renewal from LV. I'm insured, don't care about the niceties.
Did you challenge LV over their quote Steve and try to get them to match Go Skippy?
I certainly have always been able to use that tactic very successfully over the years, including my renewal last month with the AA? ???
They said they could come down by £20.
Twenty quid. :-\
That is essentially a 'f*uck you' reply.
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So just renewed with Go Skippy for £240 less than my renewal from LV. I'm insured, don't care about the niceties.
Did you challenge LV over their quote Steve and try to get them to match Go Skippy?
I certainly have always been able to use that tactic very successfully over the years, including my renewal last month with the AA? ???
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I did Lizzie , and they simply wouldn't budge that's how they afford all the nonsensical TV ads, they always did good rates for Civil servants for years but that's all gone now.
Maybe using a broker is the way to go as I do now with the AA. Those of you who have approached the insuring company head on have obviosuly had shit responses; what else is an offer of £20 less?!! :o :o
By going via a broker ; AA, Confused.com, and the rest, then you find they can get deals that you and I cannot get easily. It certainly has worked for me, with my premium coming DOWN, from the 2024 price to this years premium by £110!! That is after I was given a quote which was well up on the original one, which I strongly challenged. So I would say, get your quotes only from the main brokers who do not have to pay for the very expensive advertising that direct insurance companies do. ;)
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I insure four cars every year and trust me, the cheapest way of doing it is to go through Quidco or Topcashback.
My own three cars - Omega, Porsche Boxster, and Citroen C1 altogether, cost less than £500 a year to insure.
Cant remember the figure for the sons Civic, but I do know I saved him a few hundred quid on his renewal from Aviva.
I got a quote from Aviva for the C1 recently. It was around £350.
I went through Topcashback and got it with Aviva for £175 with £40 cashback to come, so £135.
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Just done wifeys as well. Aviva zero was £120 cheaper than LV renewal. So that's £900 worth of business they've lost.
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they always did good rates for Civil servants for years but that's all gone now.
I cancelled my CSMA membership when (then) Frizzels used to take the piss on insurance, and I was getting about £1k cheaper elsewhere!
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they always did good rates for Civil servants for years but that's all gone now.
I cancelled my CSMA membership when (then) Frizzels used to take the piss on insurance, and I was getting about £1k cheaper elsewhere!
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Yes me too cancelled the CSMA membership when I quit LV last year the magazine had become rubbish, and I never really used any of the offers. Frizell thanks for jogging my memory I couldn't recall that name at all..👍
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So just renewed with Go Skippy for £240 less than my renewal from LV. I'm insured, don't care about the niceties.
That's my sentiments exactly with the RRS ,as long as its legal that's all I want they only value at £2500 so it would be a write off for any minor damage I would imagine , the Toyota came up with a value of £22,000 so I wanted a suitable level of cover & Tesco came up best.
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can someone explain the point /benefit/reason of the cashback deals . why give cashback vs just do it cheaper to start with ?????
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Kickbacks. In the same way that the only reason US airlines are profitable is because of the revenue generated from promoting Amex.
Topcashback as a company turned over around £140 million in 2023, but it carries a debtor line of around £96million. Of that £44 million left, it made a profit of £1.4 million.*
Interestingly, it's parent company, Top Online Partner Group Ltd is listed on the board of Tribe Impact Capital LLP.
You might save a few quid here and there, but ultimately they profit from that by leveraging your membership against their earning potential.
*The company accounts are freely available on .gov.uk
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I tend to get quotes from the 3 main comparison sites and compare their prices, and then go to topcashback and see if the cheapest price is available with a cashback. :y
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I tend to get quotes from the 3 main comparison sites and compare their prices, and then go to topcashback and see if the cheapest price is available with a cashback. :y
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Yes I'm the same now always check at renewal time not worried about cashback, but I don't like being taken for a ride when it comes to renewing.
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I tend to get quotes from the 3 main comparison sites and compare their prices, and then go to topcashback and see if the cheapest price is available with a cashback. :y
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Yes I'm the same now always check at renewal time not worried about cashback, but I don't like being taken for a ride when it comes to renewing.
Yep, if you have to argue every year with your insurer for a reasonable premium, it's time to find a new provider. ::)
I rarely renew, just shift to the cheapest. They don't value customer loyalty. :-X
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can someone explain the point /benefit/reason of the cashback deals . why give cashback vs just do it cheaper to start with ?????
Pretty much as DG says, though the insurance company will pay a marketing company to drive hits or purchases, and that marketing company will do deals with the cashback sites, so its rare the insurance company (or any other retail outlet) will deal directly with the cash back sites.
The way I look at it is find a cash back site that is free to use or only charges a small subscription you are happy with, and reap the benefits of that system. Even the Gay of E where you usually only get 1% of the ex VAT, ex delivery, so usually only a few pence, it all adds up over time.
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Indeed it does. I would estimate Ive easily had a couple of grand from the cashback sites over the years.
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Indeed it does. I would estimate Ive easily had a couple of grand from the cashback sites over the years.
How much have you spent to get that saving though?
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From memory both sites take a fiver a year from your savings.
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But does the cash back exceed the amount spent via their sites Vs not using them...
If they give you £30 back but you could have bought the exact same thing from somewhere else for £30 less (probably an even greater difference), have you actually benefitted?
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According to MSE, they are worth it, but sometimes you wait a while for your money.
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According to MSE, they are worth it, but sometimes you wait a while for your money.
While someone else earns interest on it. Still seems a bit of a pointless exercise.
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According to MSE, they are worth it, but sometimes you wait a while for your money.
While someone else earns interest on it. Still seems a bit of a pointless exercise.
Ballache, maybe, I definitely CBA. But some think it's worth it, so...
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I am quite impressed by how little profit a £140 million pound company can actually make.
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But does the cash back exceed the amount spent via their sites Vs not using them...
If they give you £30 back but you could have bought the exact same thing from somewhere else for £30 less (probably an even greater difference), have you actually benefitted?
Yes.
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According to MSE, they are worth it, but sometimes you wait a while for your money.
While someone else earns interest on it. Still seems a bit of a pointless exercise.
You don't buy anything simply because they are on cash back sites. You buy something that you were going to buy anyway, from the place you were going to buy it from, only you get money back, usually after a few weeks.
Surely that has to be better than a kick in the gonads?
I'm several thousand quid up over the last couple of decades, this is essentially free money. I would have bought the products and services I bought anyway, so the only "inconvenience" is having to go through a cash back site first before going on to the real site.
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Zackley :y
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But does the cash back exceed the amount spent via their sites Vs not using them...
If they give you £30 back but you could have bought the exact same thing from somewhere else for £30 less (probably an even greater difference), have you actually benefitted?
^^^^^^^This every Time...
Having looked at Insurance through cash back and non cash back,, it's normally cheaper via non Cash back. My argument is why not just offer the product cheaper instead of all the up selling and smoke+mirrors B.S
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But does the cash back exceed the amount spent via their sites Vs not using them...
If they give you £30 back but you could have bought the exact same thing from somewhere else for £30 less (probably an even greater difference), have you actually benefitted?
Yes.
I don't mean "does the cash back received exceed your subscription?"
I mean "had you purchased elsewhere, would the money saved have exceeded the cashback received from going through a cash back agency?" I suspect that the answer is actually no.
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But does the cash back exceed the amount spent via their sites Vs not using them...
If they give you £30 back but you could have bought the exact same thing from somewhere else for £30 less (probably an even greater difference), have you actually benefitted?
Yes.
I don't mean "does the cash back received exceed your subscription?"
I mean "had you purchased elsewhere, would the money saved have exceeded the cashback received from going through a cash back agency?" I suspect that the answer is actually no.
As TB said, you don't buy anything because there's a cashback, you find the cheapest and then go and see if there's a cashback available as well. :)
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This ^.
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But does the cash back exceed the amount spent via their sites Vs not using them...
If they give you £30 back but you could have bought the exact same thing from somewhere else for £30 less (probably an even greater difference), have you actually benefitted?
^^^^^^^This every Time...
Having looked at Insurance through cash back and non cash back,, it's normally cheaper via non Cash back. My argument is why not just offer the product cheaper instead of all the up selling and smoke+mirrors B.S
Its a check you do, as you are going to be getting quotes from different sites anyway, so you know what you're going to be paying. Some allow you to save the quotes, then you can still go back in a buy via the cashback sites.
Yes, in an ideal world, it would be nicer just to have cheaper products, but as we don't, we find other ways to make it cheaper.
And as said before, it's NOT the company you are buying from that pays the cashback company, its a marketing company.