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Good Insurance Companies?


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#1 Ianb

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Posted 16 August 2014 - 04:18 PM

Hey guys, time of the year for insurance renewal so as usual I go on all the comparison sites and then if I find quotes I like I go to the companies directly...

 

BUT I'm getting more and more quotes from companies I've never heard of and less and less from the usual ones...

 

on go compare my top results are:

LVE Liverpool Victoria - £239.74

Kwik fit - £246.97

Performance direct - £253

 

a few others..

 

Grove and Dean - £281 They've got ticks on everything: legal assistance, courtesy car, protected NCB, windscreen cover etc.. Tempting...

 

I mean I'm normally with Admiral but they want to stiff me near £400 squideroo's

 

Temptation is to click on the cheapest and buy buy buy, but I know no insurance companies want to pay out, but you feel more 'support' with some of the bigger names...

 

Flux direct on the comparison site (Adrian Flux?) wants near £370...

 

I'm driving a 1.6tdci estate for crying out loud, I've got 9 years no claims (been driving 9 years) and no convictions, mum's on the insurance with her 25+ ncb, no accidents etc, ...What else can a man do?  :angry:



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#2 Ianb

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Posted 16 August 2014 - 04:20 PM

Oh yeh, the other reason I HAVE to go to the insurance companies direct is because a couple owners ago it was a cat D write off... so they need to know that too...

 

Lol, just tried taking dear mum off the insurance... ALL I'M SAVING BY HAVING HER ON IS 10 FOO KING QUID!

 

:censored:  :censored:  :censored:  :censored:  :censored:  :lol:

 

 

Hmm, Clive seeing as you're a Policeman and have had advanced training (yes?), can I put you on my insurance and knock it down some more?



#3 bensambrook

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Posted 16 August 2014 - 06:21 PM

How old are you? I'm mid 20's and Elephant have been the cheapest by far for at least 3/4 years now. Being a homeowner brings the insurance costs down, and with my 23 year old fiancee on there brings it down by £100! Down to just over £200 for the year with 3 points and 6 years protected no claims.



#4 youngy_315

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Posted 16 August 2014 - 09:10 PM

I'm with Hastings. Usually admiral but too expensive. As you are calling companies try brentacre insurance. They were cheapest on my evo a few years back by nearly £250.

#5 Ianb

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Posted 16 August 2014 - 09:14 PM

!Removed! hell, well I've exchanged contracts on a place but have not completed, completion on the 1st sept, not sure if I should drop that in?

I'm 26, would've been smart to include that :lol:

Would love to put my fiancée on but unfortunately she has a Jersey licence which from research is not recognised as a full UK licence, but it CAN be swapped no problem... Pain in the bum, but we'll see later on, ill try ringing companies and see..


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#6 Philf1

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Posted 16 August 2014 - 09:29 PM

LV will be very good and sounds like a very cheap quote for them, they are usually pretty expensive.

 

At the end of the day you will never know how good or bad a company is until you make a claim. If you don't claim the cheapest will always be the best of course.

 

I use comparison sites and usually pick the cheapest including the extras that I want. Most of the unheard of companies are affiliated to the big boys anyway.



#7 Ianb

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Posted 16 August 2014 - 09:52 PM

LV will be very good and sounds like a very cheap quote for them, they are usually pretty expensive.

 

At the end of the day you will never know how good or bad a company is until you make a claim. If you don't claim the cheapest will always be the best of course.

 

I use comparison sites and usually pick the cheapest including the extras that I want. Most of the unheard of companies are affiliated to the big boys anyway.

 

Yeh true I guess. Only I went with some company a while ago when I first got the car and they were awful, I cancelled the policy because I could never speak to anything other than a robot on the !Removed! phone.. Fortunately it was in the 'cooling period' or whatever it's called so got a full refund.

 

I'll give LV a ring then I suppose, I've never heard of them.. I noticed there were LVE w/e they're called, there was Liverpool Victoria (LVE) and another one, I can't remember maybe LVE plus? Not really sure on the difference.

 

Thanks for the help.



#8 luke.grimbley

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Posted 16 August 2014 - 11:01 PM

I too am looking for insurance and having the same problem. One thing i did notice was that taking my mum off the insurance brought it down and putting my parter on brought it down. Makes no sense to me as my partner has only 3 years no claims where as my mum has about 15 years. 

 

It's a lottery with insurance. I've found Direct Line are the cheapest for me though and they are not on the price comparison websites.



#9 Ianb

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Posted 17 August 2014 - 12:12 AM

I too am looking for insurance and having the same problem. One thing i did notice was that taking my mum off the insurance brought it down and putting my parter on brought it down. Makes no sense to me as my partner has only 3 years no claims where as my mum has about 15 years. 

 

It's a lottery with insurance. I've found Direct Line are the cheapest for me though and they are not on the price comparison websites.

 

Hmm nightmare. My mum used to bring it down loads, now on the price comparison sites it's like £10... I used to have my dad on there....but then he got caught speeding :lol: Bad egg!



#10 SeanW

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Posted 17 August 2014 - 01:29 AM

According to my Aunt (worked as an insurance broker for almost 40 years for the same firm until her redundancy recently) A female driver is considered a calming and makes the male seem more stable.

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#11 Ianb

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Posted 17 August 2014 - 10:03 AM

According to my Aunt (worked as an insurance broker for almost 40 years for the same firm until her redundancy recently) A female driver is considered a calming and makes the male seem more stable.

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Unstable?...who?...ME???  :blink:  :angry:  :driving:

 

I'll have to ring them and try and sort it so my fiancee is on it or something :lol:



#12 Ianb

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Posted 17 August 2014 - 02:43 PM

Well putting my fiancee and my mum onto the insurance gets it to £283 with Diamond (Just for women) :lol: ....Might have to go with them!

 

Just for women insurance might be what I need judging by my 8% score on this:

 

http://www.fordowner...rdest-car-quiz/



#13 luke.grimbley

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Posted 17 August 2014 - 03:45 PM

Well putting my fiancee and my mum onto the insurance gets it to £283 with Diamond (Just for women) :lol: ....Might have to go with them!

 

Just for women insurance might be what I need judging by my 8% score on this:

 

http://www.fordowner...rdest-car-quiz/

 

I heard they had to allow men so it wasn't discrimination when the equal insurance laws came in :lol: Same with Shelia's wheels :P



#14 SeanW

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Posted 17 August 2014 - 03:54 PM

I know a chap who went with Diamond...and got the contents of his handbag covered too!!

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#15 Ianb

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Posted 17 August 2014 - 04:49 PM

I know a chap who went with Diamond...and got the contents of his handbag covered too!!

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:lol: yeh I read that... up to the value of £300 I think hahahaha... Good job I have a handba....uh..anyway,,,  :ermm:

 

 

 

I heard they had to allow men so it wasn't discrimination when the equal insurance laws came in :lol: Same with Shelia's wheels :P

 

As I was going through the process it tried to fob me off to Admiral (I assume a sister company or something).. I'm guessing because I'm not a woman :lol: Cheeky gits...



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