Insurance - WTF?

[Shiv_P]

Hi all,

Some more stories of insurance BS coming your way.

I currently drive a fiesta, insured with admiral on black box. I've been doing quotes for various cars as I'm looking to buy something in a couple of months or so. I use confused.com and moneysupermarket for the quotes, mostly confused. So I was getting reasonable quotes from elephant and admiral (around £1300 for a 325i etc) using different details from my current DOB etc so I can pretend I have 2 years NCB which I should get in mid-April. So I was getting some quotes for random cars, now I have stopped getting quotes from them at all and the next prices are well in excess of £2000. I have tried another different DOB, different name etc but I can't get them to appear back on the listings on the price comparison sites. When I go on to the direct sites (elephant/admiral) the prices are stupid again

Any ideas? Is this more admiral group crap?
Thanks

[nickfrog]

Try another aggregator perhaps and Aviva or DO for benchmarking.

[Matt100HP]

Shiv_P said:

Hi all,

Some more stories of insurance BS coming your way.

I currently drive a fiesta, insured with admiral on black box. I've been doing quotes for various cars as I'm looking to buy something in a couple of months or so. I use confused.com and moneysupermarket for the quotes, mostly confused. So I was getting reasonable quotes from elephant and admiral (around £1300 for a 325i etc) using different details from my current DOB etc so I can pretend I have 2 years NCB which I should get in mid-April. So I was getting some quotes for random cars, now I have stopped getting quotes from them at all and the next prices are well in excess of £2000. I have tried another different DOB, different name etc but I can't get them to appear back on the listings on the price comparison sites. When I go on to the direct sites (elephant/admiral) the prices are stupid again

Any ideas? Is this more admiral group crap?
Thanks

Their algorithm thinks that you're trying to game the system, so it either stops quoting you all together or only spits out ridiculous "we only want your business if you're stupid enough to pay X" prices.

As you've found, you can fiddle with your details to some extent, but it if you do it too much the algorithm "fails safe" with high prices or refusing to quote at all.

[MalcolmSmith]

Seeing as Confused is just Admiral, as is Elephant, they plainly have identified you and now you’ve probably triggered some anti-fraud algorithm and its shifted your risk.

Try going to someone completely separate.

[bigdom]

Clear your browsing history.

[lost in espace]

Use incognito.

[Valgar]

This happened to me, there's some algorithm that says if you go back for whatever reason it goes up.

I had this then I gave them a call, said about the original price and they just reduced it over the phone.

[S9JTO]

See my thread: https://www.pistonheads.com/gassing/topic.asp?h=0&...

[Shiv_P]

Interesting, if I change my surname under incognito to something random they show up prices but they are back up to ~£2000 so matches with the rest of the insurers which is annoying

[Bumblebee7]

Without going into how good/not good they are as an insurer, as thankfully I've never had to make a claim. I can however say that I've always had a good experience with Admiral when taking out insurance. They usually quote a high price, I call and say I'm not paying that, they tap away at a keyboard and magically reduce the quote by a few hundred quid. Have been doing this for at least 6 years and always end up with a reasonable figure.

[anonymous-user]

To get the best quotes the system needs to be able to verify your identity, which in this instance it won't be able to do.

[smashy]

why dont you try Hastings Direct ,they get good rep on Forums

[Shiv_P]

smashy said:

why dont you try Hastings Direct ,they get good rep on Forums

They don't like my details - will quote for the fiesta fine but for anything with much more power nope

[Rick101]

Bumblebee7 said:

I can however say that I've always had a good experience with Admiral when taking out insurance. They usually quote a high price, I call and say I'm not paying that, they tap away at a keyboard and magically reduce the quote by a few hundred quid. Have been doing this for at least 6 years and always end up with a reasonable figure.

I'm not sure I would define that as a good experience

Reminds me of the 'Cancelling Sky' thread which is just full of people reporting the price is through the roof but they've just re-subscribed because Sky have done them the kind of generous gift of charging them the normal rate.


Bizarre.

[Yadizzle1]

I've had the same issue as you before. When I was looking for my second car I was running quotes 24/7 😂, I noticed that the cheapest quotes (admiral group companies) would usually disappear outside of their working hours so worth trying again during the day tomorrow as they should reappear.

[Shiv_P]

I just honestly don't understand the variation. One minute I can get something vaguely interesting and 6 cylinder or a clio rs etc, the next I am limited to 100bhp hatchbacks. Got no idea where to look :/

[vantara]

Clear the cookies on your computer.

[Some Guy]

Its annoying when you actually want to compare the costs of insuring several different vehicles prior to actually buying one, as the cost of insurance will have some bearing on what you buy.

[Shiv_P]

Some Guy said:

Its annoying when you actually want to compare the costs of insuring several different vehicles prior to actually buying one, as the cost of insurance will have some bearing on what you buy.

Exactly, at my age it has a 100% bearing. I'm not paying £2000 to insure a car for a year that's ridiculous

Above poster I've tried that already bud but it hasn't changed anything. Changed computer and IP as well and confused.com account

[carinaman]

Is it worth getting some further training to possibly reduce the risk and premiums?

I never found having a IAM or RoSPA advanced test reduced my premiums, but that may be different for you. It may help keep you alive and your accident history simpler if the next step up is a 6 cylinder BMW.