AA Insurance renewal

GeoffWW · 20th September 2022, 15:52

Hi all,
It’s my insurance renewal time. The current insurer’s the AA’s renewal price is nearly their value of the car for fully comp. I live in Manchester so kick off with a loading because of my location. But 20 years NCB, and RoSPA advanced driver, passed a few years ago.
Any ideas would welcome.
Geoff.

MSS · 20th September 2022, 16:01

The value of the car isn't really going to affect the insurance premiums all that much.

Use one of the comparison sites such as Confused.com to see what they come up with from other companies.

daveo138 · 20th September 2022, 19:22

I used Topcashback Compare to get quotes and then insured through Saga. I technically don’t have any no claims, as I’ve had company cars for years. Premium was £159 fully comp with two additional named drivers and I got £40 cashback on top.

The AA are notorious for hiking up their renewal prices.

Rev Jules · 21st September 2022, 07:57

Have you tried LV or Hastings Premier.

Rev.

biffa75 · 21st September 2022, 10:46

There was a recent change to insurance to protect current and loyal customers from paying more than new customers.

If possible, obtain a quote online using your existing details with aa but change the email address.

If your quote comes back lower than your renewal at this point, save the reference number. Double check your details are correct and then phone them. Explain your findings and give them the reference number.

I've done this on a few occasions. They have to honour the lower price as for the reasons above. However with the rising costs generally prices do rise for everyone. So it's still worth shopping around.

Try admiral/diamond. Been with them for years myself and not had any issues and have always been the cheapest for us.

MSS · 21st September 2022, 11:17

Quote:

Originally Posted by biffa75

There was a recent change to insurance to protect current and loyal customers from paying more than new customers.

...........

You are absolutely right about this recent regulation.

The way that the insurance industry seems to be getting around it is by comparison sites - which translates to new customers - offering gift vouchers.

We've insured three cars this year via Confused.Com quotes and have received £40, £20 and £20 vouchers from the comparison site. I chose Halfords but they offer the option of a few retailers.

rovertone · 21st September 2022, 12:17

I think Martin Lewis advises that the optimum time to seek quotes or requotes is between 14 & 21 days prior to renewal date.
At this point you have time to shop around so insurers quote competitively, nearer you get to renewal, companies know your 'over a barrel' so can stand firm with quotes. Believe that's the theory anyway, sounds logical.

Les4048 · 21st September 2022, 12:37

The AA are brokers who find cheap insurance for you. I was with them for a few years but prices kept going up and when I phone they reduce it. I didn’t bother phoning this time and got insured through SAGA so I phoned the AA to say I wouldn’t be renewing only to twig when I read him the AA reference it was in fact SAGA too but he couldn’t match the price direct from SAGA.

GeoffWW · 21st September 2022, 16:01

Thanks for all your replies.
I have got Rev Jules’ recommendation of Hastings Premier, via MSS’s Confused dot com, which I will be taking up.
Biffa75’s recommendation of going back to the AA on an alternate e Mail address - no thanks as I don’t want a repeat of all the waiting in priority phone waiting queues. I was also aware of Biffa’s mention of new/ current customer premium ruling.
Again, thanks to you all for your thoughts
Geoff

20th September 2022, 15:52	#1
GeoffWW Loves to post Rover 75 CDTi Tourer Connoisseur SE Auto, Also fully restored Mk 2 1966 MG Midget Join Date: Apr 2007 Location: Manchester Posts: 314 Thanks: 49 Thanked 59 Times in 46 Posts	AA Insurance renewal Hi all, It’s my insurance renewal time. The current insurer’s the AA’s renewal price is nearly their value of the car for fully comp. I live in Manchester so kick off with a loading because of my location. But 20 years NCB, and RoSPA advanced driver, passed a few years ago. Any ideas would welcome. Geoff. Last edited by GeoffWW; 20th September 2022 at 15:57..

20th September 2022, 16:01	#2
MSS This is my second home Rover 75CDT, Jaguar XF-S 3.0V6, V'xhall Omega V6 Estate, Twintop 1.8VVT, Astra Estate and Corsa 1.2 Join Date: Dec 2007 Location: Suffolk Posts: 7,085 Thanks: 283 Thanked 624 Times in 440 Posts	The value of the car isn't really going to affect the insurance premiums all that much. Use one of the comparison sites such as Confused.com to see what they come up with from other companies. __________________ Member of the Peasant Underdog Class, Grade 1

20th September 2022, 19:22	#3
daveo138 Gets stuck in Rover 75 Tourer Join Date: Mar 2022 Location: Chesterfield Posts: 675 Thanks: 206 Thanked 69 Times in 53 Posts	I used Topcashback Compare to get quotes and then insured through Saga. I technically don’t have any no claims, as I’ve had company cars for years. Premium was £159 fully comp with two additional named drivers and I got £40 cashback on top. The AA are notorious for hiking up their renewal prices. Last edited by daveo138; 20th September 2022 at 19:23.. Reason: Added text

21st September 2022, 10:46	#5
biffa75 Trader Mk1 2004 tourer cdti + MK1 2003 Saloon CDT Join Date: Nov 2015 Location: west yorkshire Posts: 495 Thanks: 106 Thanked 91 Times in 57 Posts	There was a recent change to insurance to protect current and loyal customers from paying more than new customers. If possible, obtain a quote online using your existing details with aa but change the email address. If your quote comes back lower than your renewal at this point, save the reference number. Double check your details are correct and then phone them. Explain your findings and give them the reference number. I've done this on a few occasions. They have to honour the lower price as for the reasons above. However with the rising costs generally prices do rise for everyone. So it's still worth shopping around. Try admiral/diamond. Been with them for years myself and not had any issues and have always been the cheapest for us. Last edited by biffa75; 21st September 2022 at 10:50..

21st September 2022, 12:17	#7
rovertone Gets stuck in Rover 75 Conne SE Auto CDTi Join Date: Nov 2012 Location: Redditch Posts: 670 Thanks: 185 Thanked 135 Times in 109 Posts	I think Martin Lewis advises that the optimum time to seek quotes or requotes is between 14 & 21 days prior to renewal date. At this point you have time to shop around so insurers quote competitively, nearer you get to renewal, companies know your 'over a barrel' so can stand firm with quotes. Believe that's the theory anyway, sounds logical. __________________ 2003 Mk 1 Connie SE CDTi Auto Monogram Mirage 2/Sandstone Leather 511th CDTi out of 4744 produced 9th in Mirage 2 out of 17 produced Also 2004 Rover 25 SXi CVT, 1999 Megane Cabriolet and still missing my 800 Fastback.

21st September 2022, 07:57	#4
Rev Jules This is my second home Rover 75 Tourer+ Join Date: Mar 2011 Location: Radcliffe on Trent Posts: 10,711 Thanks: 7,308 Thanked 3,929 Times in 2,051 Posts	Have you tried LV or Hastings Premier. Rev.

21st September 2022, 12:37	#8
Les4048 This is my second home Rover 75 Tourer/ MG ZT-T 400 Join Date: May 2012 Location: Lhanbryde Posts: 3,278 Thanks: 2,627 Thanked 1,523 Times in 869 Posts	The AA are brokers who find cheap insurance for you. I was with them for a few years but prices kept going up and when I phone they reduce it. I didn’t bother phoning this time and got insured through SAGA so I phoned the AA to say I wouldn’t be renewing only to twig when I read him the AA reference it was in fact SAGA too but he couldn’t match the price direct from SAGA.

21st September 2022, 16:01	#9
GeoffWW Loves to post Rover 75 CDTi Tourer Connoisseur SE Auto, Also fully restored Mk 2 1966 MG Midget Join Date: Apr 2007 Location: Manchester Posts: 314 Thanks: 49 Thanked 59 Times in 46 Posts	Thanks for all your replies. I have got Rev Jules’ recommendation of Hastings Premier, via MSS’s Confused dot com, which I will be taking up. Biffa75’s recommendation of going back to the AA on an alternate e Mail address - no thanks as I don’t want a repeat of all the waiting in priority phone waiting queues. I was also aware of Biffa’s mention of new/ current customer premium ruling. Again, thanks to you all for your thoughts Geoff Last edited by GeoffWW; 21st September 2022 at 16:04..