Car insurance and missing no claims

My renewal quote is regularly impossible to beat. And it's regularly £200-£300 cheaper than the next cheapest alternative. I can get them to reduce it slightly by calling them up at renewal time, but I quite simply can't beat my renewal quote. And that's with a normal job, home, car, added driver with 2 no fault and 1 at fault claim.

Yep, I've just had a renewal in that's a tenner less than last year, at a time when the press is predicting a 30% rise in premiums. As a bonus they are throwing in no loss of NCD for uninsured driver damage, or vandalism.

Chris

How our experiences vary....

Since I first took out car insurance in 1984, without exception, it has been cheaper to shop around for car insurance come renewal time.

I have always found that the Ins Co gives an intorductory discount to new customers.

But, the experiences I have had over the last three years with brokers (shudder), leaves me willing only to deal with the Company directly.

David

I've sometimes had that (since the first time I took out motor insurance in 1962 ;-)), but more recently the renewals have been lower or close to what shopping around gave. I think it's quite competitive now.

Chris

Everyone I tell about my experience has difficulty believing it. My wife has the same thing, the only way to beat the quotes we get is to ring the insurance co and try to haggle them down a bit more.

I don't understand why this one company consistently produces lower quotes

- they've always been ok to deal with when accidents have happened. Well, except once when the solicitor for the wife's (actually legitimate) personal injury took well over a year to settle the case. And when we complained, they gave us the £150 we asked for to avoid making it a formal complaint.

Well we're with 4 Counties of St Ives Cambs and year in year out the times I have checked them no ones been better!...

I'm sorry, I did not mean to infer disbelief. If it works for you, carry on, and good luck.

All my life, I find most other people's experiences are the polar opposite to mine....

It might be something to do with me being Autistic.

David

I'm glad you've found one that suits your needs best.

David

An insurance specialist recently said that if you stay with a home or car insurance company for more than two years, you'll be missing out on better deals elsewhere.

It's worth pointing out that you pay tax to the government on your insurance premiums, plus a £30-£40 surcharge for uninsured drivers, plus the same again because of the amount of fraud eg deliberate accidents and bogus whiplash claims.

If true that's rather interesting. It's well known that the older you are before you start to learn to drive, the more lessons you will need on average. Logically there should be some sort of trade-off between the longer reaction times etc of older first-time drivers against the impetuosity and temptation to show off of younger first-time drivers.

Perhaps they themselves are Bankers - direct Line and Churchill, for example.

Adrain

On Tue, 14 Aug 2012 11:52:16 +0100, john woods wro= te:

It's not the same premiumeither, try insuring a new driver & you'll pay = =

even more.