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How do you get your car insurance>

Discussion in 'Motors' started by jsmoke, Feb 4, 2019.

  1. Diddums


    Joined: Oct 24, 2012

    Posts: 18,281

    Location: London

    I've seen you drive and any insurance company giving you insurance is looking for bankruptcy.
  2. Acme


    Joined: Jul 29, 2011

    Posts: 30,171

    Location: Acme's chair

    I get a baseline quote from confused.com and then start ringing specialist brokers.
  3. Scania


    Joined: Nov 25, 2004

    Posts: 23,229

    Location: On the road....

    Adrian Flux, guaranteed value (£6500) albeit with a 7500 p/a mileage limit (not a problem, I do less than that) although I'm going to change come renewal after they messed up my renewal which ended up costing me more than it should have to put my add-ons back on (protected NCB, breakdown cover etc) not to mention I've had considerably cheaper quotes elsewhere.
  4. bloodiedathame


    Joined: May 11, 2007

    Posts: 7,387

    Location: Surrey

    I spent years honing my skills on Carmageddon. :D
  5. DarrenM343


    Joined: Oct 19, 2008

    Posts: 4,601

    Got some shocking good prices from Direct Line last year. Now all my personal insurance is handled by them. Will keep an eye on the renewals though as I'm sure they'll creep up. Home & contents + two cars, all easily accessible through one web portal.
  6. shadow_boxer


    Joined: Oct 9, 2009

    Posts: 8,441

    Location: Stoke-On-Trent

    That’s interesting. We've moved away from Direct Line for quite a number of products over the last couple of years. Only thing we have is house insurance now. We found that their car and landlord insurance premiums went up quite a lot recently. As a loyal customer I wasn't impressed.
  7. Blackhawk47


    Joined: Sep 17, 2007

    Posts: 10,915

    Location: West Yorkshire / Market Bosworth

    Did mine recently with quotemehappy.com. Seemed to be the best deal after checking the comparison websites.
  8. jsmoke


    Joined: Jun 17, 2012

    Posts: 7,190

    How does the cashback stuff work, I briefly looked, can you add multi cashback offer etc?
  9. Vanquish-Storm


    Joined: Apr 22, 2009

    Posts: 2,936

    Location: North-West

    First year ever that my renewal has gone down....just not by much.

    Ended up using Compare Meerkats and getting a £200 cheaper quote with Quote Me Happy.
  10. jsmoke


    Joined: Jun 17, 2012

    Posts: 7,190

    I assume companies like confused have a deal with the insurance companies that they can search their databases, I mean that's obvious right otherwise how else would they search?
  11. Jez


    Joined: Oct 18, 2002

    Posts: 31,595

    I just renew each year with Aviva these days, i know how much i expect my car insurance to be, i know what a reasonable price is, and i like their online interface/dashboard where i can edit everything without ever calling them.
  12. Spunkey


    Joined: Oct 18, 2002

    Posts: 13,807

    Location: The land of milk & beans

    Use a comparison site and get the cheapest quote. Then talk to my current insurer and get them to match/beat it. 4 times in the last 5 years they have.
  13. Psycho Sonny


    Joined: Jun 21, 2006

    Posts: 30,191

    when you ask for better on average how much have they given off if anything?

    i use comparison sites i used to also check the ones not on comparison sites but stopped doing that as they were never cheaper and waste of time for 1 quote.

    so now i use 3-4 comparison sites and usually it's the same names at the top with slightly differing prices.

    i changed 2 of my policies over to them. they seem to be doing really good deals these days.
    Last edited by a moderator: Feb 8, 2019
  14. ahenners

    Wise Guy

    Joined: Mar 31, 2010

    Posts: 1,267

    Location: Lancashire

    My renewal for the last 2 years has been cheaper than any quote I've obtained elsewhere (comparison sites and those not on them, i.e. Direct Line etc.). Still phoned up and haggled further, mind :D

    It's up next month, so will see if that trend continues for another year.
  15. sigma

    Perma Banned

    Joined: Nov 13, 2006

    Posts: 16,577

    Just jinxed yourself...
  16. Simon


    Joined: Oct 21, 2002

    Posts: 22,473

    Location: Berks / Moscow

    Renewal £530 with A-plan. Got it down to £465 after quoting a confused search of £430 with AXA (needing things adding to match)
  17. satchef1


    Joined: Apr 17, 2009

    Posts: 3,948

    Went with a broker for the first time last year. £279 instead of around £500.

    Renewal came out the same this time with an increase in milage from 8k to 12k. Didn't even bother doing a comparison. It's good cover (reasonable excess, protected no claims, courtesy car, etc.) for a fair price.
  18. Vanquish-Storm


    Joined: Apr 22, 2009

    Posts: 2,936

    Location: North-West

    I just hope to never have to contact them :D
  19. tom_e

    Man of Honour

    Joined: Dec 26, 2003

    Posts: 26,275

    Location: West mids

    For the car I use comparison sites. For the bike my renewals are normally a good ten or twenty quid cheaper than the best a comparison site can get me so I just stick with it, if they don't mess me around then I'm happy to offer some loyalty.
  20. Havana_UK


    Joined: Oct 14, 2004

    Posts: 4,611

    Location: location, location

    Thanks @kindai I've contacted them based on this comment and they’ve quoted me for the M3 and Evoque on a multi car policy around £250 cheaper than I could find elsewhere!

    So, a second recommendation for Pace Ward from me too!