Insurance is a joke!
- Thread starter Haggisman
- Start date
Do an online price comparison. Admiral will usually match it if the online price comes out lower
Or just make a number up, much easier.
It is actually quite a rare car, so it's possible (half the insurance companies don't even know what it is when I tell them!).
Isn't it how they usually calculate the premiums anyway?
Isn't it how they usually calculate the premiums anyway?
Don't get me started on car insurance...!!!!
1st rule is NEVER accept the renewal quote - always get new quotes - do all the comparison sites THEN get quotes from the Company's own website. Elephant/Admiral/Bell will ALWAYS send you an inflated renewal quote and its as simple as getting a new quote on their website (mispell your name & postcode but other details same) if lower ring them up and they will match it.
2nd rule is 'tweak' your quote details but DO NOT LIE - tweak your occupation, if you have a driveway/garage use it, if you have an alarm/immobiliser fitted check if its thatcham 1/2 approved and enter it, under estimate your cars value, try a TPFT policy, work out your annual mileage and enter it spot on - another thing which saved me £150-200 in years gone by is adding older/female additional drivers - sounds crazy to add 2 additional drivers to your insurance but with companies which use 'set formulas' it resulted in a healthy discount - don't add anyone who has had acciddents/claims/convictions in last 5 years.
3rd rule is cashback sites - check quidco & topcashback for insurers offering large cashback and check their quotes. Chances are they are overpriced to start with but you might just get lucky.
Last thing to try is insuring the car with the wife or other relative and adding yourself as an additional driver. You won't get NCD but if it brings down your premium it might be worth it.
Good Luck.
1st rule is NEVER accept the renewal quote - always get new quotes - do all the comparison sites THEN get quotes from the Company's own website. Elephant/Admiral/Bell will ALWAYS send you an inflated renewal quote and its as simple as getting a new quote on their website (mispell your name & postcode but other details same) if lower ring them up and they will match it.
2nd rule is 'tweak' your quote details but DO NOT LIE - tweak your occupation, if you have a driveway/garage use it, if you have an alarm/immobiliser fitted check if its thatcham 1/2 approved and enter it, under estimate your cars value, try a TPFT policy, work out your annual mileage and enter it spot on - another thing which saved me £150-200 in years gone by is adding older/female additional drivers - sounds crazy to add 2 additional drivers to your insurance but with companies which use 'set formulas' it resulted in a healthy discount - don't add anyone who has had acciddents/claims/convictions in last 5 years.
3rd rule is cashback sites - check quidco & topcashback for insurers offering large cashback and check their quotes. Chances are they are overpriced to start with but you might just get lucky.
Last thing to try is insuring the car with the wife or other relative and adding yourself as an additional driver. You won't get NCD but if it brings down your premium it might be worth it.
Good Luck.
Last edited:
i think insurance companies would like it if they could just make the number up, would mean less overheads, quick responce to queries, less time to send out a renewal figure.
not the case though, one problem your always going to see is that, when yoou get your price you look at your details and you think that you have not claimed......... this is great however insurance companies dont look at policies on a one to one measure, hence why they work off an average. so insurance companies and consumer will never see eye to eye. oh well, shall wait for the replies of "they need to change how its worked out" etc etc
This isn't my renewal, this was a pre-emptive quote I got, knowing that my renewal should be coming through in a week or so (My policy is still in place till end of March). I dread to think what they're going to offer me as my actual renewal!
I've tweaked my occupation, and currently have it as the lowest quoting relevant job title.
Driveway/Garage adds to the policy, cheapest is if I leave it out on the street.
Alarm is Thatcham 1. Doesn't make a difference.
Underestimating makes it higher, I've found the sweet-spot is £10k-£14k.
TPFT makes it higher.
I've put my mileage down at the lowest I reckon it will be (6k)
Got my mum on there, she lowers it by a few hundred, but I might try adding a few others!
Cheers, didn't think of that, will give it a go
Can't really do this, as my partner doesn't drive, and I don't live near any other relatives, so don't have a legit reason to do so and it would be classed as fronting!
![[TR]SweetSpotOz](/styles/overclockers/avatars/6.png){kind=avatar}
Soldato
- Joined
- 5 Mar 2006
- Posts
- 6,183
- Location
- everywhere
x
Last edited:
Which is exactly what was suggested. It's going to look pretty suspicious if I'm in a crash driving "my mum's" car to work when she lives 200 miles away!
Last edited:
no, what he is suggestion is that your added to your mums insurance as a named driver, a named driver doesnt have to have use of the car all the time, for example, if you have family that live abroad, they can be added on the policy as named driver so IF they come over and IF they need use of a car, they can use the car they are named on, but obviously they wouldnt have full use of the car when they are abroad.
Soldato
- Joined
- 5 Mar 2006
- Posts
- 6,183
- Location
- everywhere
x
Last edited:
Same age as you Haggisman, mine went up £72 this year pay £500 on a yaris SR, joke really, 6 years NCB never crashed or claimed in 10 years of driving. Close to giving up my car and just using my push bike. Hardly drive anymore.
Strange because when I do it, mine goes UP
Strange because when I do it, mine goes UP
thats because it goes by the rest of the policy information, insurance is not that difficult to understand, if you think more than just your policy. insurance companies dont work on a one to one level, so you details as an individual might improve, however insurance companies are looking at an average