The Crazy World of Car Insurance

solarsailor · 30th March 2022, 11:00

I recently received this year's renewal quote which was 25% higher than last year, so I've just done the rounds of comparison sites and managed to find a cheaper option. Before I bought the policy from a new provider I went to my current insurer's website to cancel the renewal and was immediately offered a discount that took the price to £5 lower than last year (and £20 less than the cheapest quote I'd found online) so I consider that as a good result! I'd imagined having to pay a much higher premium this time round as I was positive that insurers would want to claw some money back following the recent rule change preventing them from shafting existing customers.

Rogue · 30th March 2022, 11:18

Just renewed mine but my existing company wanted a £50 increase so i had a hunt around and managed to get better cover with a much lower excess for £100 less. My existing insurer wasn't interested in lowering their quote so i have moved over to Hastings direct. Fully comp with a £40 excess for the grand total of £164 a year. Quite happy with that.

macafee2 · 30th March 2022, 11:51

did mine a few days ago with Adrian flux. Was £15 more expensive, rang them and the insurance company reduced their "admin fee" from £15 to £5. I paid £245.80 fully comp, 7,000 miles, remapped plus a load of other mods. Parked on drive
Wife had a ding a few months ago in her car but it did not effect the premium as not her fault

macafee2

KWIL · 30th March 2022, 13:20

Those that don't ask, don't get.

Insurance providers nearly always try to retain you and make an offer.

However I recently had a call from another office (Agent) of an House Policy Insurer I turned down last year. I gave them the chance to quote (competitive they said).Only 3 x the present insurer so they did not get the job!

smudge.g · 31st March 2022, 09:28

Looks like the insurance companies are trying to reclaim some of the millions paid out due to the recent storms. My home renewal quote (which last year was £211) had incredibly gone up to just short of £700 with no change in our circumstances. Online comparison sites seem to show a general doubling of quotes compared to last year, so do shop around. Suffice to say, i wont be taking up my insurers offer!!!

polinsteve · 31st March 2022, 13:30

Quote:

Originally Posted by Rogue

Just renewed mine but my existing company wanted a £50 increase so i had a hunt around and managed to get better cover with a much lower excess for £100 less. My existing insurer wasn't interested in lowering their quote so i have moved over to Hastings direct. Fully comp with a £40 excess for the grand total of £164 a year. Quite happy with that.

Interesting. About 3 years ago I got a ridiculously high quote from Hastings Direct that they wouldn't budge on so I moved to First Alternative who have not increased the price of my cover by more than a couple of quid. However, when a Hastings Direct driver elected to overtake a group of cyclists and scrape the side of my daughters car which I was driving with just 3rd party insurance, Hastings Direct were excellent. They immediately accepted full responsibility and paid for everything, including a hire car for 2 weeks.

30th March 2022, 11:00	#1
solarsailor Posted a thing or two 75 Saloon 1.8T Club SE Join Date: Jun 2016 Location: Colchester Posts: 1,225 Thanks: 87 Thanked 653 Times in 344 Posts	The Crazy World of Car Insurance I recently received this year's renewal quote which was 25% higher than last year, so I've just done the rounds of comparison sites and managed to find a cheaper option. Before I bought the policy from a new provider I went to my current insurer's website to cancel the renewal and was immediately offered a discount that took the price to £5 lower than last year (and £20 less than the cheapest quote I'd found online) so I consider that as a good result! I'd imagined having to pay a much higher premium this time round as I was positive that insurers would want to claw some money back following the recent rule change preventing them from shafting existing customers. __________________ This vehicle was born on Wednesday June 4th 2003 @ 08:24:38 This vehicle was the 73,905th 75 to run off the production line, out of 112,381 This vehicle was the 1,862nd 75 1.8 T Club SE to be made out of 3,980 This vehicle was the 6,856th 75 in Wedgewood Blue to be made out of 7,515 Wedgewood Blue 75s

30th March 2022, 11:18	#2
Rogue I really should get out more....... 75 CDT SE 160 Saloon Join Date: May 2017 Location: Thorpe St Andrew, Norwich Posts: 2,645 Thanks: 1,386 Thanked 1,096 Times in 774 Posts	Just renewed mine but my existing company wanted a £50 increase so i had a hunt around and managed to get better cover with a much lower excess for £100 less. My existing insurer wasn't interested in lowering their quote so i have moved over to Hastings direct. Fully comp with a £40 excess for the grand total of £164 a year. Quite happy with that. __________________ Glutton for punishment --- Previously ... 2.6 SD1 x 2, 3.5 SD1, 820S, 820Si x2, 216 Gsi, 220T saloon, 414, 45 1.4 x2 and now a Cowley 75 CDT

31st March 2022, 09:28	#5
smudge.g Gets stuck in 75 Tourer CDTi Connie SE Join Date: Jun 2017 Location: Keith, Banffshire Posts: 686 Thanks: 431 Thanked 132 Times in 105 Posts	Looks like the insurance companies are trying to reclaim some of the millions paid out due to the recent storms. My home renewal quote (which last year was £211) had incredibly gone up to just short of £700 with no change in our circumstances. Online comparison sites seem to show a general doubling of quotes compared to last year, so do shop around. Suffice to say, i wont be taking up my insurers offer!!! __________________ My 75 Tourer CDTi was born Saturday, 21st June 2003 @ 09:50 My 75 was the 18,749th 75 Tourer to run off the production line, out of 27,407 It was the 195th 75 Tourer CDT Connoisseur SE (135) to be made out of 2,074 and the 1,789th 75 Tourer in Wedgewood Blue Metallic (code: JEL) to be made out of 1,871 Wedgewood Blue Metallic 75 Tourers

30th March 2022, 11:51	#3
macafee2 This is my second home Rover 75 Saloon & Tourer Join Date: Sep 2012 Location: Lincoln Posts: 14,912 Thanks: 1,630 Thanked 3,032 Times in 2,181 Posts	did mine a few days ago with Adrian flux. Was £15 more expensive, rang them and the insurance company reduced their "admin fee" from £15 to £5. I paid £245.80 fully comp, 7,000 miles, remapped plus a load of other mods. Parked on drive Wife had a ding a few months ago in her car but it did not effect the premium as not her fault macafee2

30th March 2022, 13:20	#4
KWIL Precise Rover 75 Tourer 2.5KV6 Connoisseur SE Join Date: Mar 2013 Location: Fleet Posts: 2,952 Thanks: 630 Thanked 617 Times in 480 Posts	Those that don't ask, don't get. Insurance providers nearly always try to retain you and make an offer. However I recently had a call from another office (Agent) of an House Policy Insurer I turned down last year. I gave them the chance to quote (competitive they said).Only 3 x the present insurer so they did not get the job!