car insurance

The average cost of insurance has been drifting down, so I think we're roughly at the bottom (people are starting to warn of price rises in the pipeline).

Therefore it's a fallacy to assume that they (for whatever value of 'they') aren't ripping you off by keeping prices stable. It's like commending British Gas for keeping prices level when the wholesale cost of gas has gone down by 20%.

Last year my quote was the roughly same as the previous year, but I was still able to save 25% by shopping around.

Theo

Reply to
Theo Markettos
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That is echoed by another poster's experience.

The Insurers are probably worried about "Data Protection Laws".

Reply to
Davey

I've had a pretty consistent (and value for money) experience with LV for the last three or four years.

Reply to
Bob Eager

The company I was with after 1st central accepted the email NCD without any worries.

Reply to
Clive George

A lot of them do that, and that's something to throw into the mix. It depends how likely you are to make changes. If you have to make a change mid-year every N years, and it costs X% of the policy to do so, for some values of the numbers it can still work out cheaper to go with the high-charges company compared with another with a flexible change policy but a higher premium.

Well, don't do that then ;-) I'm surprised they haven't noticed that it drives repeat customers away.

That is a bit of a pain. Do they give you an online renewal letter thingy you can print out?

Of course the big unknown is actually claiming - other than random comments on reviews sites, I haven't seen any data on how they compare at paying out.

Theo

Reply to
Theo Markettos

you were lucky then :-(

tim

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Reply to
tim.....

# you get an email

my chosen alternative wouldn't accept it because once printed it wasn't on "headed paper"

tim

Reply to
tim.....

I don't think I've dealt with a paper one for a while now - the email one has worked on others too.

Reply to
Clive George

Who were they? They sound like the problem.

Reply to
Clive George

LV and Directline renewals for me have been very close to their comparison site quotes for the last few years. Cashback sites make it worth swapping between them.

Reply to
Nick Finnigan

The silly nodding dog

I "persuaded" them eventually

tim

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Reply to
tim.....

A few insurers have invented lots of different names to make their comparison sites appear better. Octagon is owned by Markerstudy and based in Gibraltor, Zenith is also based in Gibraltar, Insurance Factory is based at Markerstudy house. Go Skippy is a trading style of Eldon, 1st Central is owned by a Guernsey company with no details.

(Go to their websites direct, and scroll to the bottom of the page)

Reply to
Nick Finnigan

Yes. You need to separate the marketing names and companies from the underwriters, and possibly both from the administration and claims handling.

Reply to
DJC

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