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You Vs Insurers? Who Won At Renewal Time?

insurance renewal cheaper

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#16 BeccaaCat

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Posted 16 May 2013 - 09:03 PM

Admiral, on a multi-car policy :)

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#17 b1g_dav3

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Posted 17 May 2013 - 09:18 AM

I remember my first insurance's, £620 fully comprehensive the day I passed my test in an old Matiz, a new one went up by £20 until it was renewal time, then they wanted £2,400... with a years NCB by that point as well. So decided stuff it and bought a Fiesta :P



#18 Mr Singh

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Posted 17 May 2013 - 09:08 PM

the insurance is up for renewal on the focus and was up for renewal on my forfour which has now been payed for and in my case it was my current insurere that got my money and its looking the same with the focus.

 

i bank with santander and they were offering 20% off car insurance, so as you do you fill the online form and wait for the quote and they wanted more detailes from me and gave me a call last monday saying that they are refusing me insurance on the basis that 'my car is too old', i asked for an explination as to why that was and they said that parts for my forfour are not easy to get hold of. my reply was i can go to my mercedes dealer and ask for 'xyz' part and of its not on the dealer shelf or milton keynes they will get me one from germany, and there reply was well there's your answer. what a load of !Removed!!



#19 jeebowhite

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Posted 18 May 2013 - 02:07 PM

thats an odd scenario mr singh! never heard that before!

lets add another question to the who won... what was your first car and how much

I had a 95 plate citroen AX (4 gears plus reverse!) so 11 year old when I insured it at 17, at the time fronting wasn't illegal, and we fronted the insurance... 1600 quid for third party ONLY!

I did my own quotes - 2300 for me, the car was bought for 550 quid!

#20 Mr Singh

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Posted 19 May 2013 - 10:44 AM

my first car was a 2000 'W' smart city coupe, the original left hand drive one. it was an import, but managed to persuade one company when looking for quotes that it was uk spec and that it was one of the first batch to come in to the uk.

 

i ended up paying £1200 for 1000 miles... the ineresting part was the speedo mileage was in KM at the time of buying, and as you know a KM is smaller than a mile, but my dad came up with a genious plan, put the mileage 1000 KM ahead of the mileage on the dash. is confusing i know, even i still dont understand it to this day



#21 Brigante

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Posted 20 May 2013 - 09:58 AM

my insurance has just gone up by 96quid cause i've had to purchase business cover

 

still under 800quid though which i suppose is alright for my age



#22 minnis

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Posted 20 May 2013 - 08:24 PM

I'm nearing the end of my first year of driving, after a few months here and there as a temporary driver, as my insurance was too much before now. Got my license at 17, and each year had two 3 month stints on my mum's car (making sure we told them I would be the main driver over this period, which I was assured would make it legal). Got my Focus a year ago, cost me (or rather, my parents! :P) £2250, and this year my girlfriend and I have both gone for Admirial Multi-car, hers is a 1.4 Honda Jazz (20 years old, 0 ncb) for £1100, mine was £670 for 9 months cover (but getting a whole year ncb). So, by being a year older and having 1 years ncb, despite moving to a higher risk area, my insurance will drop by a massive 1800 quid!

What a difference one years ncb makes!



#23 jeebowhite

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Posted 21 May 2013 - 03:51 AM

NCB is the main judgement of your policy. if you make a claim, but it doesnt cost you any NCB, you get a better price than if you have a claim that affects your NCB.



#24 Philf1

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Posted 21 May 2013 - 08:44 PM

If you are a new driver the first year is loaded to the hilt as you are a high risk, this is of course the fault of chavvy C***a drivers. After a year the decrease is usually huge. Unfortunately as you get older and build your NCB to the full there is only the option of shopping around or haggling.

 

Best tip I have heard is to get an online quote, then phone them but do it late at night near the end of the month when they need to get a sale to hit their sales targets you can then tease extras out of them until you have the best deal possible.



#25 DanGersFord

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Posted 17 June 2013 - 10:06 PM

Definately me this time round as I said in my own post :)

#26 Stoney871

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Posted 18 June 2013 - 12:47 AM

Policy renewing at the end of this month.

Third year with Co-op and even though I had that horrible £1500 claim for a twit hitting my car with his two wheeled terror my cost has gone down from £310 to £275 (Fully comp with business use , legal insurance, key cover and glass with only £150 excess and £25 excess for glass).

Full no claims and job probably help a lot though. :)



#27 jeebowhite

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Posted 18 June 2013 - 08:20 AM

That is a victory! crikey! I wonder if I could get police pursuit trained, just so that I can tell the insurers that and get a discount... lol



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