Good insurer?

[FoxEye]

Need fully comp on a 1.3 53 plate Yaris.

The coop have just sent me a renewal notice including "50% 1 year no claims discount", and the bill is more expensive than last year... (about £500 they want).

I'm 35. Was hoping the amount would go down :/ Distance covered is <4k miles a year.

I just want to avoid a rubbish insurer, and not pay the Earth.

Any recommendations?

 

[skaif]

Give them a call and say you have had a quite for half that. I just renewed with Admiral. Renewal was £800 initially but git them down to £450 after a chat. Also make sure you tweak occupation, where you keep the car (Street is cheapest in most cases!) overnight and try adding people to the policy.

 

[neoboy]

Auto renewals are always a bad deal, run your details with one year NCB on a comparison website and then call them up and see if they can best it. Switching is hardly a hassle nowadays if they can't.

I would say most major insurers are as bad as each other

 

[Glanza]

Give Chris Knott a ring, apart from the usual auto renewal price hike everyone tries they've always been the cheapest after a quick phone call.

 

[paradigm]

Auto renewals are always a bad deal

Whilst this is usually true, to say always is wrong.

My renewal quote was within £10 of the cheapest I could find through either comparison sites or going direct to insurers as a new customer.

 

[On Holiday]

Admiral (who auto-renew) gave me 25% off when I called to tell them I wasn't happy with their renewal price and that I'd be looking elsewhere.

So it's always worth calling up!

 

[Begbie]

Yep, I called Adrian Flux last renewal and it went down by about £50 with 1st party on other cars too.

Bringing it to about £200 P.A.

 

[Jez]

I would expect a 1.3 style car to cost less than half that quote for a 35 year old unless you are in a bad area. Definitely dont pay £500 to insure that.

 

[Kaeo]

It's totally random, my renewal this year was £322, after phoning round half a dozen and telling them that at the start they wouldn't even run a quote for me saying they couldn't compete, next cheapest was £850.

Always try them all each time.

 

[Adam]

Just use a comparison website and pick one which offers value and the features you want I don't see why it needs to be complicated.

 

[BigglesPiP]

Good insurer?

Oxymoron.

If it's not imported (why would it be?), just scan the comparison sites down until you find one getting good reviews.

 

[pastymuncher]

Don't forget to check cashback sites to get the overall price down as well. £500 for a 53 plate Yaris is a joke so shop around.

 

[Steedie]

Don't forget to lie to get the price down and then brag about it online*



























* not serious

 

[Syla5]

I used to stick with the same company till about 4/5 years ago, ever since then I have switched company every year. Just use a comparison website and go with the best quote. Each year I always call my current insurer and see if they can get close (normal quotes fully comp are around £220, renewals tend to come in around £270) and non have gotten within 10% of the cheapest comparison quote yet.

 

[Junglist]

Zenith were quite cheap for me

 

[FoxEye]

I used to stick with the same company till about 4/5 years ago, ever since then I have switched company every year. Just use a comparison website and go with the best quote. Each year I always call my current insurer and see if they can get close (normal quotes fully comp are around £220, renewals tend to come in around £270) and non have gotten within 10% of the cheapest comparison quote yet.

The cheapest guys normally have nothing but bad feedback when you Google them

I was also under the impression that comparison sites aren't normally the best deals... which is why I posted here

 

[paradigm]

Comparison sites typically only work if you are Mr or Mrs average. Someone who isn't too young or too old, that drives a relatively "normal" car, who lives somewhere that isn't crime ridden, and doesn't have a plethora of points/offences.

For me, personally, a price comparison site might work out a few quid cheaper than going direct. For my younger brother this isn't the case... yet.

 

[FoxEye]

Not sure what I'm doing wrong, but just put my details through a comparison site (Google) and it's returning £600 - £1000.

Is insurance getting more expensive?

As a 35 year old driving a small car and doing low mileage (4k ish), I didn't think I was a big risk...

Will try the other sites but this isn't looking promising. I've had no accidents but only 1 years no claims. 4 years driving work vans without accident, but none of that counts, apparently.

 

[Dav4]

Not sure what I'm doing wrong, but just put my details through a comparison site (Google) and it's returning £600 - £1000.

Is insurance getting more expensive?

As a 35 year old driving a small car and doing low mileage (4k ish), I didn't think I was a big risk...

Will try the other sites but this isn't looking promising. I've had no accidents but only 1 years no claims. 4 years driving work vans without accident, but none of that counts, apparently.

£600-£800 Sounds more about right to me depending on what your postcode flags up as. Have u not got anyone that u can add on the policy as a second driver? My insurance is expensive and I've always found Admiral/Elephant cheap and Quinn direct are normally cheap for drivers with little no claims bonus

 

[neoboy]

Are Tesco one of the cheaper quotes? I've found them cheapest for three of my cars, got a further discount when going to them direct and putting in a Tesco club card which gave a very healthy discount.