Insurance drop this year - anyone else?
Discussion
For the last few years, it has cost me circa 300 - 350 quid to insure my 13-year old VAG turbo, value £1500, fully-comp. That included an excess of 300 quid, rising to 500 quid last year.
Suddenly this year, with the same car and all the same insuring criteria - the policy has dropped to just over 200 quid. A considerable saving, but even better, this price this year is also now with a zero excess for all claims, including a zero excess 'unlimited' claim for windscreens.
How come? NCB this year is 10 years, up from 9 last year - which I thought was the maximum anyway?
Strange. But happy days! Anyone else?
Suddenly this year, with the same car and all the same insuring criteria - the policy has dropped to just over 200 quid. A considerable saving, but even better, this price this year is also now with a zero excess for all claims, including a zero excess 'unlimited' claim for windscreens.
How come? NCB this year is 10 years, up from 9 last year - which I thought was the maximum anyway?
Strange. But happy days! Anyone else?
You've probably changed your risk profile in some way... probably your age.
For the last three years my house insurance and my car insurance have been swapping between one being with priviledge and one being with churchill. They can never beat each others quotes which is odd as they are both part of direct line. It's madness i honestly cant tell the two companies apart when i look at their letters, documents, the call centre recorded messages etc. I assume direct line micromanages the two brands and tells then what kinds of customers to focus on in any given year (alternating between house and car in eavh year)
For the last three years my house insurance and my car insurance have been swapping between one being with priviledge and one being with churchill. They can never beat each others quotes which is odd as they are both part of direct line. It's madness i honestly cant tell the two companies apart when i look at their letters, documents, the call centre recorded messages etc. I assume direct line micromanages the two brands and tells then what kinds of customers to focus on in any given year (alternating between house and car in eavh year)
Interesting thread. I got my renewal through at the same time as a flyer from M&S. The flyer offered, for any M&S cardholder, to beat any renewal quote by £50 on a like-for-like basis.
My renewal £221. Rang my insurer to see what would happen to the premium if I reduced my voluntary to £0 from £250. Answer? Reduced!! To £190. So called M&S who offered £140. Back to my insurer and explained the situation. Best they could do was £160! So I was happy to settle for that.
Pays to go back and challenge any renewal at the moment.
My renewal £221. Rang my insurer to see what would happen to the premium if I reduced my voluntary to £0 from £250. Answer? Reduced!! To £190. So called M&S who offered £140. Back to my insurer and explained the situation. Best they could do was £160! So I was happy to settle for that.
Pays to go back and challenge any renewal at the moment.
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