Haggling insurance
- Thread starter radar19
- Start date
Soldato
- Joined
- 10 Sep 2008
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- 11,973
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- Bangor, Northern Ireland
I've never personally haggled, I just search until I find the cheapest one.
This quote for £1600, is it a renewal of an existing policy or are you applying for a new one? If its an existing quote tell them to get stuffed, they ALWAYS offer terrible prices on renewals in the vain hope people blindly renew without shopping around.
This quote for £1600, is it a renewal of an existing policy or are you applying for a new one? If its an existing quote tell them to get stuffed, they ALWAYS offer terrible prices on renewals in the vain hope people blindly renew without shopping around.
Soldato
- Joined
- 10 Jun 2010
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- 5,158
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- Scotland
Add a female to the policy, girlfriend, mum etc.
It's a new policy for me.
Associate
- Joined
- 20 Dec 2007
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- 1,319
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- Nottingham
My renewal this year was £580 for a 10 month policy with admiral, comparison sites cheapest for a 12 month policy with all the same information was just over £800, i still told them i'd find a cheaper deal elsewhere on a comparison website. Ended up paying £570 for a 12 month policy so affectively 2 months free over the original renewal which was already pretty good when compared to a few quick searches.
Motorbike insurance, last year £575, renewal came in at £564(lol)
Did a poke about on confused and it said nearer £200, called Express Insurance back and got it for £228.
People play insurance companies off against eachother, lot of effort but I guess it could be worth it if it's really high.
Did a poke about on confused and it said nearer £200, called Express Insurance back and got it for £228.
People play insurance companies off against eachother, lot of effort but I guess it could be worth it if it's really high.
Play about with the contents as it's not logical, it's done on statistics of what people claim on. For example logically a car in a garage is safer but it's actually (for me anyway) cheaper to insure my car on the driveway. Definately add a female to the policy, adjust the yearly millege and the excess. For some daft reason my insurance went down the lower I set my excess to 
MW
MW
might also be worth hiking the excess to something silly, then paying the £42 or so for excess protection, where the insurance company pays the excess.
Check the small print on this though, but if it works out it could be extremely good for lowering premiums.
Check the small print on this though, but if it works out it could be extremely good for lowering premiums.
The way I negotiate with Insurers is to find a better deal & get them to match it but keep the extras on, This way you get a fair price & a decent insurer/insurance.
My last car renewal came through about 20 quid more expensive, I google searched & found that the cheapest quote was from my own insurer but it was a first time customer type deal, I rang them whinged a bit about loyalty etc & they matched it.
My last car renewal came through about 20 quid more expensive, I google searched & found that the cheapest quote was from my own insurer but it was a first time customer type deal, I rang them whinged a bit about loyalty etc & they matched it.
Just got off the phone with my insurer as trying to get them to match another quote I had but they refused. So I told them I would not be renewing my current policy. After a few minutes of typing it was all done and dusted and only the did I tell them the cheapest I found was with them again as a new customer so there was a few sighs as he typed everything back in.
I also wanted to know why I have paid to protect my NCD. As you still have to tell them if you have made a claim and now they also ask if I have had any window/glass claims. I have just had a rear side window replaced I put that down and my premium went up! . . . . "They all do that sir" was the reply and although it is true they all do it, it doesn't explain why.
I also wanted to know why I have paid to protect my NCD. As you still have to tell them if you have made a claim and now they also ask if I have had any window/glass claims. I have just had a rear side window replaced I put that down and my premium went up! . . . . "They all do that sir" was the reply and although it is true they all do it, it doesn't explain why.
The way I negotiate with Insurers is to find a better deal & get them to match it but keep the extras on, This way you get a fair price & a decent insurer/insurance.
My last car renewal came through about 20 quid more expensive, I google searched & found that the cheapest quote was from my own insurer but it was a first time customer type deal, I rang them whinged a bit about loyalty etc & they matched it.
Even more bonkers was that for my old address it was cheaper to say it was parked on the road than in my driveway. Driveway was huge, no walls, just tarmac and grass. The house was on a corner so parking it outside the house would have no doubt seen it scraped/bashed at some point.
Barmy.
Usually start with 3 or 4 insurers. Get a quote from one of them, subtract £100 from it and use it to grease up the others. If you get a cheaper quote from one of them, then take another £50 off and use that as your haggle. Play them all off against each other and go for the best value for money. Premium price isn't everything.
N.B. My seemingly arbitrary figures of £50-£100 are derived as a percentage (in my case between 5-10%) of the (high) premium that a car like an Evo demands. Reduce/increase it accordingly with regards to what you are insuring.
N.B. My seemingly arbitrary figures of £50-£100 are derived as a percentage (in my case between 5-10%) of the (high) premium that a car like an Evo demands. Reduce/increase it accordingly with regards to what you are insuring.