Insurance quotes mental!!

[silverfoxcc]

Getting a Volvo v90 tomorrow

most quotes from the usual suspects are around 650. However Budget quoted 571 .39 inc breakdown, as i already have green flag i rang ans asked whay would it reduce to She quoted 540 great CC at tready.. sorry she says id is 841 as you purchased the car in Feb.. Have slowly explained i only startd getting quotesterday, she told me to try and get the original quote.. Hit the button to pay NOW 1221 WHJF are they playing at?

Rant over

[AndrewIC]

silverfoxcc said:

Getting a Volvo v90 tomorrow

most quotes from the usual suspects are around 650. However Budget quoted 571 .39 inc breakdown, as i already have green flag i rang ans asked whay would it reduce to She quoted 540 great CC at tready.. sorry she says id is 841 as you purchased the car in Feb.. Have slowly explained i only startd getting quotesterday, she told me to try and get the original quote.. Hit the button to pay NOW 1221 WHJF are they playing at?

Rant over

I think the issue is calling up the day before. You are captive and entirely at their mercy. Fairly sure the key window, if possible, is between 3-4 weeks prior for best quotes.

[ncjones]

Yes, that. I found out this buying my daughter her first car. Ran quotes before buying (£1400) putting a start date of 3 weeks later, went to see it, bought it...went to buy a policy to start immediately....lowest quote >£1900. If I waited 3 days to insure it, it came down to £1470.

[Davie]

So is it a mid policy change of car? If so, again your current insurer may have you over a barrel. I had similar, changed a car to an identical model albeit a year younger and the mid term price to change was £140 on a policy that was originally £190 for the year. Starting afresh, I was getting quotes of £205 however the cancellation fee plus what I'd paid plus dicking about etc... so I reluctantly paid it and vowed never to darken their door again after the policy expires in December.

[boyse7en]

ncjones said:

Yes, that. I found out this buying my daughter her first car. Ran quotes before buying (£1400) putting a start date of 3 weeks later, went to see it, bought it...went to buy a policy to start immediately....lowest quote >£1900. If I waited 3 days to insure it, it came down to £1470.

I did the same (or similar) with my daughter. When she passed her test, I immediately got her insurance, but put the start date two weeks later. Sure, she couldn't drive for those two weeks which must have been frustrating, but it was over £400 cheaper.

[Robertb]

Have you tried just running it through meerkat or confused?

I did a mid-term cancellation and new policy for a LR for collection that afternoon and it wasn't bad at all.

[andygo]

It all seems to be a complete lottery.

I recently played the tedious quote hunting game for my Porsche Cayman. When the guy on the pohone realised I had had a windscreen claim last year, it was a bit of a sucking through his teeth moment for him. (And me tbh).

Anyway, he inputted the £900 claim....

It reduced the premium by £40! Go figure.

[DickyC]

Round figures:

My wife's renewal on her 1998 SLK230 - £150

My renewal on my 2012 C200 Estate - £450

Both fully comp, both S, D & P, both of us clean licences, no claims for decades, both in our 70s. Both cars worth buttons. Both policies with Saga.

[Sheepshanks]

DickyC said:

Round figures:

My wife's renewal on her 1998 SLK230 - £150

My renewal on my 2012 C200 Estate - £450

Both fully comp, both S, D & P, both of us clean licences, no claims for decades, both in our 70s. Both cars worth buttons. Both policies with Saga.

Same annual mileage?

[Killer2005]

I've just had similar with Adrian Flux. Did a quote through money supermarket and was quoted around £850, £650 through confused.com.. Tried AF as I've been insured through them before and they came back with £1,300.

[DickyC]

Sheepshanks said:

DickyC said:

Round figures:

My wife's renewal on her 1998 SLK230 - £150

My renewal on my 2012 C200 Estate - £450

Both fully comp, both S, D & P, both of us clean licences, no claims for decades, both in our 70s. Both cars worth buttons. Both policies with Saga.

Same annual mileage?

Yes, all very similar. The reason I haven't contacted them is if they look into it, her premium will increase. I don't know. I'm too chicken to find out.

[TwigtheWonderkid]

DickyC said:

Round figures:

My wife's renewal on her 1998 SLK230 - £150

My renewal on my 2012 C200 Estate - £450

Both fully comp, both S, D & P, both of us clean licences, no claims for decades, both in our 70s. Both cars worth buttons. Both policies with Saga.

My guess, 1998 SLK230s overall cost them about a third in claims compared to 2012 C200 estates. All other factors being equal.

[DickyC]

TwigtheWonderkid said:

My guess, 1998 SLK230s overall cost them about a third in claims compared to 2012 C200 estates. All other factors being equal.

You're probably right - it's just arithmetic. My brother had a 1969 Cooper S in the 70s which was expensive to insure right up until the Cooper S was lumped in with the 1275GT. He was simultaneously pleased and insulted.