Why is an insurance quote thousands different via confused a
Discussion
Hi
I did a quote for a car via Elephant/Admiral (sister companies) and also via Confused.com. I put in my honest details, but via the sites, the quote is like £4000 with 2 named drivers and me the policy holder (5 yrs NCB/6 yrs license, everyone has a clean license, etc). Ok the car was a Nissan GT-R 2012 (ok I was curious lol, but I was also doing my current car beforehand). This quote used to be like £1000.
If I go via Confused, the quote will go to their site and will be thousands of pounds less.
Also, another question: Is there much point in always being a policy holder, and then renewing to get additional NCB, as you would spend a thousand points every yr at least and get £100 off via the NCB (if that).
Has anyone noticed this?
I did a quote for a car via Elephant/Admiral (sister companies) and also via Confused.com. I put in my honest details, but via the sites, the quote is like £4000 with 2 named drivers and me the policy holder (5 yrs NCB/6 yrs license, everyone has a clean license, etc). Ok the car was a Nissan GT-R 2012 (ok I was curious lol, but I was also doing my current car beforehand). This quote used to be like £1000.
If I go via Confused, the quote will go to their site and will be thousands of pounds less.
Also, another question: Is there much point in always being a policy holder, and then renewing to get additional NCB, as you would spend a thousand points every yr at least and get £100 off via the NCB (if that).
Has anyone noticed this?
Edited by Z064life on Monday 2nd July 12:50
Z064life said:
Hi
I did a quote for a car via Elephant/Admiral (sister companies) and also via Confused.com. I put in my honest details, but via the sites, the quote is like £4000 with 2 named drivers and me the policy holder (5 yrs NCB/6 yrs license, everyone has a clean license, etc). Ok the car was a Nissan GT-R 2012 (ok I was curious lol, but I was also doing my current car beforehand). This quote used to be like £1000.
If I go via Confused, the quote will go to their site and will be thousands of pounds less.
Has anyone noticed this?
Not all the question are exactly the same and sometimes when you enter certain details in a comparison site the information changes slightly (such as occupation title, excess) when it gets sent to the insurer which results in different premiums.I did a quote for a car via Elephant/Admiral (sister companies) and also via Confused.com. I put in my honest details, but via the sites, the quote is like £4000 with 2 named drivers and me the policy holder (5 yrs NCB/6 yrs license, everyone has a clean license, etc). Ok the car was a Nissan GT-R 2012 (ok I was curious lol, but I was also doing my current car beforehand). This quote used to be like £1000.
If I go via Confused, the quote will go to their site and will be thousands of pounds less.
Has anyone noticed this?
ZOLLAR said:
Not all the question are exactly the same and sometimes when you enter certain details in a comparison site the information changes slightly (such as occupation title, excess) when it gets sent to the insurer which results in different premiums.
...all of which you need to check once you've pressed "click for further details" for an insurer whose quote and terms you fancy.Having said this, inputting accurate details to replace the garbage passed on by the comparison website usually saves me muchos spondoolicks every year
.One recent experience was noting that the meerkats had forwarded my wife's profession to an insurer we were interested in as "NHS services". The truthful and specific option of "occupational therapist" had a very beneficial effect on the premium...
At the same time, "business cover" as requested had gone AWOL but was available for free
...tr7v8 said:
Your fault for using Confused.com who support BRAKE!
I very often get weird quotes from some of these sites even when I already hold a policy.
Sorry, you've lost me? You say "my fault for using Confused.com" but that's the better option if the quote is thousands less?I very often get weird quotes from some of these sites even when I already hold a policy.
Others - so is a quote from Confused.com, even if thousands less, still valid with the insurer? I thought the discrepancy was a bug on the insurer's website side.
Z064life said:
tr7v8 said:
Your fault for using Confused.com who support BRAKE!
I very often get weird quotes from some of these sites even when I already hold a policy.
Sorry, you've lost me? You say "my fault for using Confused.com" but that's the better option if the quote is thousands less?I very often get weird quotes from some of these sites even when I already hold a policy.
Z064life said:
tr7v8 said:
Your fault for using Confused.com who support BRAKE!
I very often get weird quotes from some of these sites even when I already hold a policy.
Sorry, you've lost me? You say "my fault for using Confused.com" but that's the better option if the quote is thousands less?I very often get weird quotes from some of these sites even when I already hold a policy.
Others - so is a quote from Confused.com, even if thousands less, still valid with the insurer? I thought the discrepancy was a bug on the insurer's website side.
You need to check those difference are correct and valid, if they are then the premium can be accepted.
ZOLLAR said:
No, there will be differences.
You need to check those difference are correct and valid, if they are then the premium can be accepted.
I'm surprised there's so much different between confused and admiral/elephant as admiral actually own confused!You need to check those difference are correct and valid, if they are then the premium can be accepted.
Different insurers prefer different sales channels and give their heaviest discounts one particular way and not necessarily others. They will set their pricing based on maximum profit for that sales channel, they've probably found that high prices via their website (despite meaning fewer sales) make for higher profits.
Either that or they check against their DB and find the OP is already a customer so show an inflated price to make him happier with his renewal quote. Confused (even with admiral) send partially anonymised data to the insurer unless they're one of the best prices.
It's all silly really, but these firms are getting more and more net savvy - look at the pricing scandals on hotels from orbitz . Personally I've spotted on Eurostar that if you leave their site and come back later they offer a cheaper price. I double checked this with other browsers and it's very much a cookie based policy.
daemonoid said:
ZOLLAR said:
No, there will be differences.
You need to check those difference are correct and valid, if they are then the premium can be accepted.
I'm surprised there's so much different between confused and admiral/elephant as admiral actually own confused!You need to check those difference are correct and valid, if they are then the premium can be accepted.
What you need to remember though is confused needs to ask enough questions to cover all the insurers on it's books so that there are certain options that policyholder can choose (such as in occupations) that confused have on file but admiral don't but that are relevant to other insurers, so when the quote is passed along it sometimes will change meaning the premium may vary.
mercfunder said:
Z064life said:
tr7v8 said:
Your fault for using Confused.com who support BRAKE!
I very often get weird quotes from some of these sites even when I already hold a policy.
Sorry, you've lost me? You say "my fault for using Confused.com" but that's the better option if the quote is thousands less?I very often get weird quotes from some of these sites even when I already hold a policy.
t that these clowns spout? Do you agree with it?Beware the 'cheaper' quotes on comparison sites.
I spent a little while getting the best deal for my other half, and when I accepted Sheila's Wheels quote through a comparison site, when I was taken to their main site, they informed me that they wouldn't actually provide for that quote, but will provide insurance for an additional £150 than quoted.
I spent a little while getting the best deal for my other half, and when I accepted Sheila's Wheels quote through a comparison site, when I was taken to their main site, they informed me that they wouldn't actually provide for that quote, but will provide insurance for an additional £150 than quoted.
ZOLLAR said:
I'm aware of that :P
What you need to remember though is confused needs to ask enough questions to cover all the insurers on it's books so that there are certain options that policyholder can choose (such as in occupations) that confused have on file but admiral don't but that are relevant to other insurers, so when the quote is passed along it sometimes will change meaning the premium may vary.
I think you're passing on old wisdom. Insurers buy their data nowadays rather than collecting their own. This has the side-effect of standardising most of the answers. A few years ago maybe you were right, but that seems to be less evident nowadays. The comparison sites have had a similar effect of narrowing the differences between insurer's answers.What you need to remember though is confused needs to ask enough questions to cover all the insurers on it's books so that there are certain options that policyholder can choose (such as in occupations) that confused have on file but admiral don't but that are relevant to other insurers, so when the quote is passed along it sometimes will change meaning the premium may vary.
Marketing and profit are the drivers nowadays for price fluctuations.
Hi All,
Yeah brake I am aware of that. Seen many threads about them since I joined this forum many years ago.
Anyway, I am confused because if I do a quote on Elephant for example, the cost is 4k given my post code (a nice area but apparently on one website was graded an F for car crime, and a recent car theft probably does not help with that!! lol), but the quote comes down to like £1.8k or £1.3k (can't remember) for an area with an A for car crime. But then this does not explain the discrepancy with the same postcode via elephant and confused.
Yeah brake I am aware of that. Seen many threads about them since I joined this forum many years ago.
Anyway, I am confused because if I do a quote on Elephant for example, the cost is 4k given my post code (a nice area but apparently on one website was graded an F for car crime, and a recent car theft probably does not help with that!! lol), but the quote comes down to like £1.8k or £1.3k (can't remember) for an area with an A for car crime. But then this does not explain the discrepancy with the same postcode via elephant and confused.
daemonoid said:
ZOLLAR said:
I'm aware of that :P
What you need to remember though is confused needs to ask enough questions to cover all the insurers on it's books so that there are certain options that policyholder can choose (such as in occupations) that confused have on file but admiral don't but that are relevant to other insurers, so when the quote is passed along it sometimes will change meaning the premium may vary.
I think you're passing on old wisdom. Insurers buy their data nowadays rather than collecting their own. This has the side-effect of standardising most of the answers. A few years ago maybe you were right, but that seems to be less evident nowadays. The comparison sites have had a similar effect of narrowing the differences between insurer's answers.What you need to remember though is confused needs to ask enough questions to cover all the insurers on it's books so that there are certain options that policyholder can choose (such as in occupations) that confused have on file but admiral don't but that are relevant to other insurers, so when the quote is passed along it sometimes will change meaning the premium may vary.
Marketing and profit are the drivers nowadays for price fluctuations.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff