Car insurance query

[j44esd]

Hmm... Well it's that time of year again, and it's policy renewal time. My renewal with a-plan has come through at £1215, further discussion has got that down to £999, but the comparison sites are churning out prices at the £600 mark.

Here's the rub, I want a decent insurance company, and I'm happy to pay a slight premium for this - but £400 is too much!

So can anyone recommend anywhere that can quote competitively on a 2004 BMW X5 for a 32yr old driver with 6yrs NCB?

For the record, a-plan have been brilliant, and I wouldn't hesitate to recommend them to anyone, and I've tried flux, but they are quoting £1000+

So do I have to suck up a £400 increase for a quality insurer, or bite the bullet and 'go compare'?

Over to you, the Friday evening experts on PH!

[McHaggis]

Try Saffron - a good broker in my experience.

[xreyuk]

If you have mods, avoid any insurer part of the Admiral group.

[j44esd]

xreyuk said:

If you have mods, avoid any insurer part of the Admiral group.

Cheers, no mods, but that's who's coming up cheapest...

[bertieg]

xreyuk said:

If you have mods, avoid any insurer part of the Admiral group.

why do you say that? they were extremely reasonable for my previous, highly modified car

[j44esd]

McHaggis said:

Try Saffron - a good broker in my experience.

Thanks, I shall try them when they reopen tomorrow!

[j44esd]

Saturday bump?

[R1gtr]

Admiral, pretty happy with them, Run a Money Supermarket comparison and see who comes up cheapest. Like you, we could have got it slightly cheaper than Admiral (about £50) but decided to pay that bit extra as they have been good to deal with, my loyalty does not stretch to £400 tho!!

[j44esd]

R1gtr said:

Admiral, pretty happy with them, Run a Money Supermarket comparison and see who comes up cheapest. Like you, we could have got it slightly cheaper than Admiral (about £50) but decided to pay that bit extra as they have been good to deal with, my loyalty does not stretch to £400 tho!!

Yeah, that's the problem! £400 is a bit too much for loyalty, maybe I'll just take the admiral quote then at £598, just seems a shame that no one can recommend a good insurer that's not a faceless internet corp!

[Monty Python]

Admiral are cheap because they subsidise their quotes by using claims management companies to inflate prices. In 2010, hallf their profits came from "anciallary" sales - referral fees to lawyers in other words.

[HBFS]

j44esd said:

Cheers, no mods, but that's who's coming up cheapest...

For further discounts inquire with them about a multi-car policy, I say this as your profile has two cars...I saved an extra £200 on my on-line quotation just from adding it to my Family's multi-car policy. They can setup adding cars in the future months which attracts discounts. Policy owner isn't even blood(Step mum) and lives at a different address, 100 miles away. All completely legit