Don't be a mug. How to save £120 in ten minutes
Discussion
Just had my renewal quote through for House and Contents with a very well known and respected insurer, it covers everything, accidental damage, emergency call outs etc,
The quote was £570 and last year I paid £550.
I rang them up, said I wasn't happy, the lady went away for two minutes and came back with "£450. Is that OK?"
The same thing happened with them last year, they shaved £70 off without any fuss,
Same with the AA, came down £70 without any hardball negotiating,
Don't be a mug.
Always query your renewal quote.
WR. A very happy bunny.
The quote was £570 and last year I paid £550.
I rang them up, said I wasn't happy, the lady went away for two minutes and came back with "£450. Is that OK?"
The same thing happened with them last year, they shaved £70 off without any fuss,
Same with the AA, came down £70 without any hardball negotiating,
Don't be a mug.
Always query your renewal quote.
WR. A very happy bunny.
Every year the AA try to increase my breakdown cover premium by 300%. Every year I ring them up and get it back it to almost where it was.
We call it the 'annual game' and they don't put up much fight.
The surprise last year was car insurance which was down about 20% without even asking!
We call it the 'annual game' and they don't put up much fight.
The surprise last year was car insurance which was down about 20% without even asking!
Simpo Two said:
Every year the AA try to increase my breakdown cover premium by 300%. Every year I ring them up and get it back it to almost where it was.
We call it the 'annual game' and they don't put up much fight.
The surprise last year was car insurance which was down about 20% without even asking!
AA are bad for this. Its a game if you enjoy it, but a pain in the backside and utterly demeaning if you don't. Why do they think they can waste your/our time - just give a fair price ffs. I thought this practice was illegal these days anyway.We call it the 'annual game' and they don't put up much fight.
The surprise last year was car insurance which was down about 20% without even asking!
I usually try to give them a single use credit card if i take cover, so they can't auto renew the following year (i dont use it every year, only when i think the car is a bit flakey).
Despite them being told not to autorenew, they'be obviously tried because i've been getting emails and a letter saying I might lapse cover if i dont give them a valid credit card - its due for renewal in August iirc!!
The Telegraph are never more stupid.
It's around £25 to £30 when you first subscribe.
After a year they want £270 to renew.
Ring them up and say you are cancelling. Why they ask? Because it was £30 last year and it's £270 this year, that's why. Ok, they say, how about £100? Nope. How about £70? No again. How about £50? No. OK, £30? Yep, that's fine.
It's around £25 to £30 when you first subscribe.
After a year they want £270 to renew.
Ring them up and say you are cancelling. Why they ask? Because it was £30 last year and it's £270 this year, that's why. Ok, they say, how about £100? Nope. How about £70? No again. How about £50? No. OK, £30? Yep, that's fine.
Virgin, boiler, buildings, contents, cars, mobiles, every single one of them.
Have to set aside an hour to get through to a human and have the “ I don’t know about yourself but I haven’t had a 20% pay rise this year, yada, yada” conversation.
From experience, best doing it a few weeks out to get a better deal.
I find the whole charade of it tiresome but as OP references, big savings to be had
Have to set aside an hour to get through to a human and have the “ I don’t know about yourself but I haven’t had a 20% pay rise this year, yada, yada” conversation.
From experience, best doing it a few weeks out to get a better deal.
I find the whole charade of it tiresome but as OP references, big savings to be had
I rang my car insurance company minutes after paying for a new policy just to say I wanted the auto renewal removing (they cunningly made mention of it until I had paid) the lady on the other end got the wrong end of the stick and assumed my policy was almost up and immediately offered me a £100 discount. I camly explained I had literally just paid for a new policy and asked would that offer still stand 
Martin Lewis is on itv this evening at 7:15pm talking about car and home insurance and how not to be ripped off.
I normally find him too intense to watch for long, but I'll watch tonight to see what he has to say. I never 'automatically renew' and do comparisons every year. Not sure what else he's got to say....
I normally find him too intense to watch for long, but I'll watch tonight to see what he has to say. I never 'automatically renew' and do comparisons every year. Not sure what else he's got to say....
Simpo Two said:
Every year the AA try to increase my breakdown cover premium by 300%. Every year I ring them up and get it back it to almost where it was.
We call it the 'annual game' and they don't put up much fight.
The surprise last year was car insurance which was down about 20% without even asking!
In my annual call to them I always get the “you’re a valued gold AA member sir, so I’m sure we can do something…” bWe call it the 'annual game' and they don't put up much fight.
The surprise last year was car insurance which was down about 20% without even asking!
ks. It’s then a tennis match until I wear them down to a reasonable figure. Citing (fictitious) quotes from the RAC, Green Flag etc tends to help Pitre said:
Martin Lewis is on itv this evening at 7:15pm talking about car and home insurance and how not to be ripped off.
I normally find him too intense to watch for long, but I'll watch tonight to see what he has to say. I never 'automatically renew' and do comparisons every year. Not sure what else he's got to say....
He'll tell you something like "rain makes you wet" or "putting milk on your cornflakes makes the soggy" or other such pearl of wisdom.I normally find him too intense to watch for long, but I'll watch tonight to see what he has to say. I never 'automatically renew' and do comparisons every year. Not sure what else he's got to say....
snuffy said:
He'll tell you something like "rain makes you wet" or "putting milk on your cornflakes makes the soggy" or other such pearl of wisdom.
Not accurate. He covers off some really useful information that I imagine helps a lot of people who perhaps arent as financially savvy as yourself. Last Visit said:
snuffy said:
He'll tell you something like "rain makes you wet" or "putting milk on your cornflakes makes the soggy" or other such pearl of wisdom.
Not accurate. He covers off some really useful information that I imagine helps a lot of people who perhaps arent as financially savvy as yourself. Pitre said:
He mentioned tonight that if you do a price comparison (go compare the market, moneysupermarket etc) the best renewal price is obtained 25 days before renewal (+ or - a day or two). Leaving it until the day before renewal can double the quote. I didn't know that.
I tried this the other day for one of our cars that's due for renewal and I played around with the date. I found it did make a big difference if the renewal date was in the next few days, but further out than that it made no difference.Sheepshanks said:
Pitre said:
He mentioned tonight that if you do a price comparison (go compare the market, moneysupermarket etc) the best renewal price is obtained 25 days before renewal (+ or - a day or two). Leaving it until the day before renewal can double the quote. I didn't know that.
I tried this the other day for one of our cars that's due for renewal and I played around with the date. I found it did make a big difference if the renewal date was in the next few days, but further out than that it made no difference.be re-focussed on optimising my car insurance renewal. Probably too far fetched…
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