Should I stay with my insurance next year?
Discussion
Hello everyone!
In a few months it'll be renewal time I haven't been with the same insurance company for the 2 years driving due to the fact my first insurance heightened my premium even though I had no claims.
Anyway, the insurance I am with currently messed up my details when I applied for insurance I requested my insurance for my Suzuki Swift 1.5 and told them It's a new car and I bought it in 2012 and I sold my corsa which was on the other insurance company. They misheard and put me on insurance for a corsa 1.2 (they didnt even have the number plate for it). They rang me a few days later saying "Your car doesn't match up with your number plate if you don't tell us why in the next few days we will cancel your policy"
I thought, well okay I said Suzuki so i rang them up and told them to listen to the phone call if they can and they would hear me say Suzuki, they did listen back and a few days later they apologized to me and that my insurance premium would not change as it was their mistake.
I have a feeling that when it comes to renewal they're going to be really funny about me and make my premium high.
What are your thoughts?
In a few months it'll be renewal time I haven't been with the same insurance company for the 2 years driving due to the fact my first insurance heightened my premium even though I had no claims.
Anyway, the insurance I am with currently messed up my details when I applied for insurance I requested my insurance for my Suzuki Swift 1.5 and told them It's a new car and I bought it in 2012 and I sold my corsa which was on the other insurance company. They misheard and put me on insurance for a corsa 1.2 (they didnt even have the number plate for it). They rang me a few days later saying "Your car doesn't match up with your number plate if you don't tell us why in the next few days we will cancel your policy"
I thought, well okay I said Suzuki so i rang them up and told them to listen to the phone call if they can and they would hear me say Suzuki, they did listen back and a few days later they apologized to me and that my insurance premium would not change as it was their mistake.
I have a feeling that when it comes to renewal they're going to be really funny about me and make my premium high.
What are your thoughts?
See what your renewal says - typically gets sent through one month before expiry.
Armed with this go to the comparison sites and see what they say. If lower call back your current company and get them to match it (less hassle for you as you dont have to swap NCD letters etc).
If they can't match it then call the cheapest company after checking all comparison sites (and going to them directly to confirm) and take out a policy with them. Use your renewal slip as proof of NCB if they don't send it. (remember to cancel the auto-renewal!)
Armed with this go to the comparison sites and see what they say. If lower call back your current company and get them to match it (less hassle for you as you dont have to swap NCD letters etc).
If they can't match it then call the cheapest company after checking all comparison sites (and going to them directly to confirm) and take out a policy with them. Use your renewal slip as proof of NCB if they don't send it. (remember to cancel the auto-renewal!)
DerickCuster said:
Hello everyone!
In a few months it'll be renewal time I haven't been with the same insurance company for the 2 years driving due to the fact my first insurance heightened my premium even though I had no claims.
Anyway, the insurance I am with currently messed up my details when I applied for insurance I requested my insurance for my Suzuki Swift 1.5 and told them It's a new car and I bought it in 2012 and I sold my corsa which was on the other insurance company. They misheard and put me on insurance for a corsa 1.2 (they didnt even have the number plate for it). They rang me a few days later saying "Your car doesn't match up with your number plate if you don't tell us why in the next few days we will cancel your policy"
I thought, well okay I said Suzuki so i rang them up and told them to listen to the phone call if they can and they would hear me say Suzuki, they did listen back and a few days later they apologized to me and that my insurance premium would not change as it was their mistake.
I have a feeling that when it comes to renewal they're going to be really funny about me and make my premium high.
What are your thoughts?
Probably, they made an error this year rating on the wrong car and honoured the price you both agreed too.In a few months it'll be renewal time I haven't been with the same insurance company for the 2 years driving due to the fact my first insurance heightened my premium even though I had no claims.
Anyway, the insurance I am with currently messed up my details when I applied for insurance I requested my insurance for my Suzuki Swift 1.5 and told them It's a new car and I bought it in 2012 and I sold my corsa which was on the other insurance company. They misheard and put me on insurance for a corsa 1.2 (they didnt even have the number plate for it). They rang me a few days later saying "Your car doesn't match up with your number plate if you don't tell us why in the next few days we will cancel your policy"
I thought, well okay I said Suzuki so i rang them up and told them to listen to the phone call if they can and they would hear me say Suzuki, they did listen back and a few days later they apologized to me and that my insurance premium would not change as it was their mistake.
I have a feeling that when it comes to renewal they're going to be really funny about me and make my premium high.
What are your thoughts?
However your renewal requires re-rating so they will do it on the correct details this year.
Just because they made a mistake once doesn't mean you're entitled to the lower figures for future renewals.
Consider it a bonus that you got cheaper insurance than you should have.
DerickCuster said:
Although I am aware this is lucky I got a good price my insurance shouldn't be anymore expensive than it is now
Your insurance will now be market rate going forward and will depend on the individual insurer's interpretation of the attached risk in relation to you, your place of residence and vehicle (amongst other things nobody but an actuary would understand)DerickCuster said:
Although I am aware this is lucky I got a good price my insurance shouldn't be anymore expensive than it is now
Why?Your insurer rated on a lower rated vehicle, next renewal they will be rating correctly i.e. on the higher rated car.
It may not increase depending on other rating factors but don't dismiss the chances completely, better to be prepared than not to be.
ZOLLAR said:
Why?
Your insurer rated on a lower rated vehicle, next renewal they will be rating correctly i.e. on the higher rated car.
It may not increase depending on other rating factors but don't dismiss the chances completely, better to be prepared than not to be.
Because to put into perspective, Your insurer rated on a lower rated vehicle, next renewal they will be rating correctly i.e. on the higher rated car.
It may not increase depending on other rating factors but don't dismiss the chances completely, better to be prepared than not to be.
Corsa - £1200
Suzuki - £1500
So i saved £300. Also my insurance went down from £3000 to £1200 in a year on the Corsa party because I moved to a nice area.
I always end up changing companies. Renewel just come through for mine and they are quoting me £500 per year. 5 minute check on confused.com and already saving about £180.
You current company will more than likely keep the renewal quote high, as you can gurantee loads of people dont even check other quotes and sign up again. Easy money for the insurance company.
If you like your company go back to them with comparsion quotes and see if they can match it. If not then you cancel and change to someone else.
You current company will more than likely keep the renewal quote high, as you can gurantee loads of people dont even check other quotes and sign up again. Easy money for the insurance company.
If you like your company go back to them with comparsion quotes and see if they can match it. If not then you cancel and change to someone else.
DerickCuster said:
ZOLLAR said:
Why?
Your insurer rated on a lower rated vehicle, next renewal they will be rating correctly i.e. on the higher rated car.
It may not increase depending on other rating factors but don't dismiss the chances completely, better to be prepared than not to be.
Because to put into perspective, Your insurer rated on a lower rated vehicle, next renewal they will be rating correctly i.e. on the higher rated car.
It may not increase depending on other rating factors but don't dismiss the chances completely, better to be prepared than not to be.
Corsa - £1200
Suzuki - £1500
So i saved £300. Also my insurance went down from £3000 to £1200 in a year on the Corsa party because I moved to a nice area.
ZOLLAR said:
But you don't own a Corsa?
Yeah I don't own a Corsa, but my point was if it dropped from £3000 to £1200 in a year for the Corsa and the Suzuki was only going to be £1500 then next year my insurance shouldn't be that high, possibly even £1200 again. - sigh* can't wait until I'm old enough for them to realise I'm not a liability
You're assuming that A) Insurers aren't a bunch a ba***rds B) Quotes generally have a connection to common sense/reality* C) You're better off showing loyalty.
Shop around at renewal time and go with who is cheapest/best value (whatever you prefer, for me having insurance policy is soley to stop me landing in court and nothing more).
Shop around at renewal time and go with who is cheapest/best value (whatever you prefer, for me having insurance policy is soley to stop me landing in court and nothing more).
- Mine went up for all the exact same details, bar having another year of driving/NCB, with the same car etc, by £1,200 at renewal time. Insurers are strange.
DerickCuster said:
Yeah I don't own a Corsa, but my point was if it dropped from £3000 to £1200 in a year for the Corsa and the Suzuki was only going to be £1500 then next year my insurance shouldn't be that high, possibly even £1200 again.
Have you actually run an insurance quote on your new car, with another years NCB?- sigh* can't wait until I'm old enough for them to realise I'm not a liability
If not, how can you speculate?
DerickCuster said:
Yeah I don't own a Corsa, but my point was if it dropped from £3000 to £1200 in a year for the Corsa and the Suzuki was only going to be £1500 then next year my insurance shouldn't be that high, possibly even £1200 again.
All drivers are a liability, it's the degree of liability that is the reason for variations in premium.- sigh* can't wait until I'm old enough for them to realise I'm not a liability
Never show brand loyalty to insurance companies, it just isn't worthwhile.
As others have said, wait util your renewal quote comes through, shop around online for the best prices, and see which works out cheapest.
I've always found GoCompare to bring back the cheapest quotes for me. Play around with the details a little, obviously keeping everything accurate though, and see if you can find one crop up cheap
As others have said, wait util your renewal quote comes through, shop around online for the best prices, and see which works out cheapest.
I've always found GoCompare to bring back the cheapest quotes for me. Play around with the details a little, obviously keeping everything accurate though, and see if you can find one crop up cheap
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