Motor Insurance

Tryasize10

Tryasize10

Well-known member
Wow, the latest thing I have found that has gone vertical!

Saw my renewal cost about 3 weeks ago and just assumed I would beat it no problem with a quick comparison quote, oh no not a chance.

The cheapest I can find is approx. 40% more expensive than the £310 I paid last year.

Any advice on where else to look?
 
Wait until 20 days before your cover runs out, this is the optimum date for the best price apparently, earlier like when you get your renewal is not better surprisingly
 
I had a double shock with mine. I'd been with them for 6 years. Over 25 years no claims and no points.

I just presumed by renewal wouid be a 'giver'. They sent me the price and it had gone up by £56. I then recieved an email about needing to speak to me about 'changes to my policy'

I gave them a bell. They informed me that could no longer insure me unless I fitted an aftermarket Thatcham approved security system. I'd never heard anything like it. Especially as they'd insured it for 2 years.

I politely declined. So they phone me back the next day saying they would cover the car. Only if I accepted the £1200 excess 😂
 
Bizarrely I managed to get a small reduction on mine after my renewal came with a big increase. Went from Admiral (who I'd been with for five years at least) to Liverpool Victoria and saved about £50 on two cars. I used Money Supermarket comparison.
 
Mine renewed this month with Aviva gone from £275 to £301, so increased around the rate of inflation. Given what some of the other companies I have used over the last 10 years were quoting I was actually pleased, I was expecting a higher amount given comments from Martin Lewis.
 
Mine went up about 25 quid earlier this year, could have gotten it elsewhere for the same price as the previous year, but couldn't be bothered with the faff for the sake of £2 a month more.

Stupid I know, but seemed like a ballache for such a small amount. Had it been a significant increase I'd have switched as I do most years when that happens.
 
Mine went up 40% in February - I did change my car and the new car was worth 4 times the old car and a bit bigger horse power.

I usually shop around and haggle a bit, but I didn't this time, because I was changing cars.

Insurances have gone up because the value of cars has shot up and car parts have shot up and the cost of repair.

My car insurance seemed to be around £210 to £220 for 8 years.

Use the comparison sites and Direct Line themselves.

Put in Fully Comprehensive. Put Excess quite high if you can afford say first £300

Buy Breakdown cover seperately if its costing you more than £40

Legal protection is useful but you may be covered by it on your house insurance.

Make sure your annual mileage is correct - if you do 9,000 miles a year and policy say 12,000, change it to 9,000.
 
coluka said:
Mine renewed this month with Aviva gone from £275 to £301, so increased around the rate of inflation. Given what some of the other companies I have used over the last 10 years were quoting I was actually pleased, I was expecting a higher amount given comments from Martin Lewis.
Click to expand...
Cheapest is not always a good thing .
I use Aviva .
Not cheap but customer service is fantastic .
 
Was with Quote me Happy l for 6 years. Couldn't get it cheaper on any of the comparison sites. Got my renewal last month and it had gone up by £95. Went on confused .com and a couple of others. Got the same cover for the same price I was paying. Same thing happened exactly with my wife's a little later.
Admiral did the same with my house insurance last week. Up by £75 despite never making a claim in over 15 yrs. Confused Got me it for the same price I was paying. Rang Admiral to cancel as it was on renewal and they offered me £25 off as a loyal customer which I declined.
No claims mean very little these days.
 
Caretaker1 said:
Cheapest is not always a good thing .
I use Aviva .
Not cheap but customer service is fantastic .
Click to expand...
Oh I totally agree. There were cheaper quotes, but I tend to stick with those with a decent reputation, good customer services and pay out ratings. I also check the actual cover as some offer very basics on stuff like replacement cars, windscreen excess, uninsured drivers etc vary or are add ons. As you say, it has to be a combination of the various policies on offer first covering what you need all the other stuff and price being the last thing then compared. 👍
 
I agree no all insurance companies are the same. I was with LV then Ageas, but now through Covea (Very big French Company).
 
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