Interesting chat.. with my insurer

m2n · 30th January 2019, 21:39

So my insurance is due for renewal next month, so I rang my insurance company and lo and behold I was told (unofficially) my premium will rise slightly, even though I have made no claims, excuses like.. inflation/costs/other driver claims/ blah blah..... And she then asked if I was likely to renew to which I replied " No" no bartering, no discount..... So went online and got some insurance with exact same details,and got fully comp £225.00 cheaper.

Jim Jamieson · 30th January 2019, 23:00

It’s always best to do a comparison when your renewal comes in as insurance companies just try it on.

My recent renewal for the Merc was 10% up on last year and after a comparison I saved approx £150

There was some talk about insurance companies being taken to task over this, something like the PPi scandal with banks.

johnvill73 · 31st January 2019, 04:27

The best time to get an insurance quote is 21 days before it’s due I watched a programme with Martin Lewis about it .When I tried it I saved £200 when I did a quote for a few days time the price shot up

hope that helps 👍

stamfordzs · 31st January 2019, 05:02

It does pay to shop around, set aside the time to do it. I saved £480 last year by switching two cars to SAGA, funny I know but being the other side of 50 did pay!

Les4048 · 31st January 2019, 05:33

I’m with the AA for the Rover and last year there was a substantial increase so went on line and found it cheaper so phoned the AA and informed them I’d found a cheaper quote online. They asked who it was so I told them it was the AA

so they matched their own quote

Dawn · 31st January 2019, 05:57

Quote:

Originally Posted by Les4048

I’m with the AA for the Rover and last year there was a substantial increase so went on line and found it cheaper so phoned the AA and informed them I’d found a cheaper quote online. They asked who it was so I told them it was the AA

so they matched their own quote

I had the same thing with Hastings. They matched their own. Its pathetic really and just a con because some folk just let it auto renew!

operamagorum · 31st January 2019, 08:56

Quote:

Originally Posted by Les4048

I’m with the AA for the Rover and last year there was a substantial increase so went on line and found it cheaper so phoned the AA and informed them I’d found a cheaper quote online. They asked who it was so I told them it was the AA

so they matched their own quote

Exact same happened to me with Tesco last year.
This year my renewal premium came in £20 lower than all the comparison sites. Maybe they flagged my file?

greendriver · 31st January 2019, 08:22

Quote:

Originally Posted by johnvill73

The best time to get an insurance quote is 21 days before it’s due I watched a programme with Martin Lewis about it .When I tried it I saved £200 when I did a quote for a few days time the price shot up

hope that helps 👍

Another vote for renewing early from me. It pays to do this.

grivas · 31st January 2019, 08:13

Quote:

Originally Posted by Jim Jamieson

It’s always best to do a comparison when your renewal comes in as insurance companies just try it on.

My recent renewal for the Merc was 10% up on last year and after a comparison I saved approx £150

There was some talk about insurance companies being taken to task over this, something like the PPi scandal with banks.

As I have said on numerous occasions before the UK car insurance services are not fit for purpose, the public are being taken for a ride (ha ha), and the whole industry is long overdue for a review, we have all long been paying for the 'GTi' culture of the eighties, so always do a comparison, and forget loyalty.

m2n · 31st January 2019, 08:35

In all my 40 years of driving I cannot recall any insurance renewal premium being reduced due to NCB, or for just being a loyal customer. The premiums have always been higher, this was even before comparison web sites were around, even the internet (OMG, I is old). The trouble nowadays is when you get insurance via comparison sites they are always looking for new victims, so offer a reduced premium then when it comes for renewal it suddenly shoots up to mortgage rates.
The AA for example, you can get first time full breakdown cover for about £90..ish Come the renewal it shoots up to full price £240..ish

30th January 2019, 21:39	#1
m2n Gets stuck in Rover 75 2004 Contemporary SE 2.5 Auto Join Date: Feb 2018 Location: Preston Posts: 513 Thanks: 67 Thanked 56 Times in 46 Posts	Interesting chat.. with my insurer So my insurance is due for renewal next month, so I rang my insurance company and lo and behold I was told (unofficially) my premium will rise slightly, even though I have made no claims, excuses like.. inflation/costs/other driver claims/ blah blah..... And she then asked if I was likely to renew to which I replied " No" no bartering, no discount..... So went online and got some insurance with exact same details,and got fully comp £225.00 cheaper. __________________ To have and not need, than need and not have. Eve was born on: Tuesday 14th September 2004 @ 07.54.23 Date of first Registration: Friday 24th September 2004 She was the: 103,715th 75 to run off production line, out of 112,381 She was the: 382nd 75 2.5 V6 Contemporary SE to be made out of 686 She was the: 1,415th 75 in Firefrost Red (code CEV) to be made out of 2,089 Firefrost Red 75's

31st January 2019, 04:27	#3
johnvill73 Avid contributor Rover 75 tourer Join Date: Jan 2008 Location: birmingham Posts: 168 Thanks: 28 Thanked 1 Time in 1 Post	Insurance The best time to get an insurance quote is 21 days before it’s due I watched a programme with Martin Lewis about it .When I tried it I saved £200 when I did a quote for a few days time the price shot up hope that helps 👍

31st January 2019, 08:35	#10
m2n Gets stuck in Rover 75 2004 Contemporary SE 2.5 Auto Join Date: Feb 2018 Location: Preston Posts: 513 Thanks: 67 Thanked 56 Times in 46 Posts	Never gone down...... In all my 40 years of driving I cannot recall any insurance renewal premium being reduced due to NCB, or for just being a loyal customer. The premiums have always been higher, this was even before comparison web sites were around, even the internet (OMG, I is old). The trouble nowadays is when you get insurance via comparison sites they are always looking for new victims, so offer a reduced premium then when it comes for renewal it suddenly shoots up to mortgage rates. The AA for example, you can get first time full breakdown cover for about £90..ish Come the renewal it shoots up to full price £240..ish __________________ To have and not need, than need and not have. Eve was born on: Tuesday 14th September 2004 @ 07.54.23 Date of first Registration: Friday 24th September 2004 She was the: 103,715th 75 to run off production line, out of 112,381 She was the: 382nd 75 2.5 V6 Contemporary SE to be made out of 686 She was the: 1,415th 75 in Firefrost Red (code CEV) to be made out of 2,089 Firefrost Red 75's

30th January 2019, 23:00	#2
Jim Jamieson This is my second home Rover less ! Join Date: Jun 2011 Location: Tarbolton Posts: 3,442 Thanks: 393 Thanked 888 Times in 542 Posts	It’s always best to do a comparison when your renewal comes in as insurance companies just try it on. My recent renewal for the Merc was 10% up on last year and after a comparison I saved approx £150 There was some talk about insurance companies being taken to task over this, something like the PPi scandal with banks.

31st January 2019, 05:02	#4
stamfordzs Newbie MG ZT-T, MG ZS 200 Join Date: Jan 2019 Location: Waterlooville Posts: 15 Thanks: 1 Thanked 8 Times in 2 Posts	It does pay to shop around, set aside the time to do it. I saved £480 last year by switching two cars to SAGA, funny I know but being the other side of 50 did pay!

31st January 2019, 05:33	#5
Les4048 This is my second home Rover 75 Tourer/ MG ZT-T 400 Join Date: May 2012 Location: Lhanbryde Posts: 3,279 Thanks: 2,627 Thanked 1,523 Times in 869 Posts	I’m with the AA for the Rover and last year there was a substantial increase so went on line and found it cheaper so phoned the AA and informed them I’d found a cheaper quote online. They asked who it was so I told them it was the AA so they matched their own quote