I hate car insurance renewal time.. help!

either way, I'm slowly coming to the conclusion that £500 is as good as its going to get tbh.. I think the only thing I could do to get it down a bit more would be to take the wife off but that would mean using her car when we go out with all the associated kiddy mess.

I'd pay £50 to be ferried around in my own immaculately clean and free fuelled car :p
 
http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

This is quite a good site for getting the cheapest possible quote. They have a section on tweaking your job description to get a few quid knocked off. It didn't work for me when i tried a few different ones, but might work for others.

Oh and don't forget to go through Quidco if your insurer are on their site. Can get a fair amount knocked off sometimes.
 
ressy!

Adrian Flux just put me on NIG which are part of RBS £490 unlimited mileage, business, 3rd party on any other car and free legal and personal injury cover with a £250 excess. Much better than the £515 which was the previous best.

Strange how happy a £25 saving can make you when you've just spent almost £500 which in all probability will be completely wasted money in the sense I am highly unlikely to hit anything or have it nicked and even if I did hit something it would have to be a pricey repair to have me consider claiming rather than paying.

Still... I'm legal.
 
Update: Well I actually rang Direct Line and the guy got the same same quote (Fully comp, no replacement car, no extra frills, just basic fully comp insurance) but he got it for £540 for me rather than the £635 the website was quoting me. He said it was odd as the two systems use the same database, but there ya go, paid for it this morning.

Worth having a look at them, note though that the "usual" tricks dont seem to work with them, adding a low risk female driver etc., heck even selecting TPFT gave me a higher quote ;)
 
Good to hear everyone is finding cheaper quotes :).

Just a quick question. My renewal date is the 17th of October but Ive got this price of £365 now. Would it be a good idea (or even possible) to buy this insurance now to start on the 17th?

I doubt I'll find a cheaper quote than this and i just don't want the quote to expire and nearer the time all i can find is much higher prices.
 
Mark A said:
Good to hear everyone is finding cheaper quotes :).

Just a quick question. My renewal date is the 17th of October but Ive got this price of £365 now. Would it be a good idea (or even possible) to buy this insurance now to start on the 17th?

I doubt I'll find a cheaper quote than this and i just don't want the quote to expire and nearer the time all i can find is much higher prices.
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just beware of inadvertently being quoted by the same people again later, my first quote last week from 1st central was £509 which went up to about £530 when I was requoted when I ran it through confused or something like that.. Its probably resolvable but if you're anything like me and have more than enough conflict in your day to day life and like avoiding it in "me" time then it might be worth bearing in mind.
 
ha ha ha... just had a call from kwik fit insurance..

"I see we quoted you last week but we were out on price and I'm just calling to give you a better price"

"ok"

"what was your best price so far?"

"£490"

"ok, well I can reduce my price to £710 would that be of any interest to you?"

"what do you think"

"bzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz"

bye then!
 
I've had a crack on both of those mate, they were both miles over (like £250+) where I am now.. I reckon its the points and the business use.. the claim from my wife was ages ago and for peanuts.

Personally I think full no claims and 3 SP30s would point to the fact I'm more likely to be banned at no cost to them than to be involved in an accident but there you go! I guess they're seeing as I'm more likely to hit something at speed as and when I get round to doing it again.

Thank god my last accident a) wasn't on my insurance (company policy) and b) was about 8 years ago.

I managed to ram myself up the back of an unmarked police car :) absolutely no speed as I was in a contraflow on the M5 and both cars carried on their way and my octavia had almost no damage but that didn't stop the 2 "public servants" in the focus signing themselves off work for 3 years with nightmares and whiplash.

If you get nightmares from a 10mph crash you really want to be finding a different career from policeman. Dicks.

Nevermind, thats Sonys problem not mine!
 
How do you guys get car insurance so cheap :p?

21, 3 years driving 3 years NCB - did a quote on a 530i (as fox doesn't seem to pay too much) and i'm looking at around £1000+ :eek:

Thats using money supermarket.
 
miniyazz said:
ROFLerror :D:D:D
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yeah when I got out and started apologising (no sense in not, I did him up the backside in a motorway contraflow) he said "thats fine thanks but this is a civil vehicle so we will have to have attending" it was a focus, it wasn't an unmarked traffic car I think he was CID or something and basically one toot on the radio and half of west mercia police turned up.

If you've ever been frustrated by failure to attend a burglary or similar then get a job in the fuzz, I'm genuinely not lying or exaggerating when I say there were 5 police cars there within about 10 minutes.

I was breathalysed twice (I just went along with the 2nd because I'd passed the first which I knew I would having not had a drink for days and figured it'd be easier to just get on with it) and then sent on my way.

About 2 years after I left Sony so probably 3 after the crash I received some documents asking my for my version of events after the officers had claimed every injury and stress related illness known to man and would I comment.. it was requested in terms that suggested I would incriminate myself more by not ignoring it than by ignoring it so I figured let the corporate lawyers slug it out. My testimony would be nothing but "WTF are you talking about you pansy it was nothing... I didn't even have the slightest whiplash and only needed a set of minor cosmetic repairs"

Where there's blame and all that..
 
Very cheap quote, with that kind of luggage. Seriously. Don't listen to guys who live somewhere on outskirts of Wales where typical headcount is one man per hundred square acres of swamp and insurance calculated odds of hitting another automobile is smaller than a chance of someone slowing down at those "Araf" signs painted in the middle of roads. Comparing those kind of quotes to the ones you can obtain for postcodes in south or, worse yet, south eastern england has got about as much to do with reality as comparing prices of yums in Iowa to rent in Manhattan. £500 is very good, grab it and run.
 
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