is it possible to haggle with insurers?

Rybo89 said:
You'll understand once you have mortgage, car, family and house to pay for :)
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Sorry, so if you have a mortgage, car, family and house to pay for you'd willingly spend a few hundred more on insurance to avoid having to get a credit card which takes about 30mins of your time? If you can't get one and can't afford the lump sum fair enough, but why would you spend more if you can avoid it?
 
Janesy B said:
So you can save £200 off the bat by using an interest free credit card and spreading the repayments over 12 months...
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My house is blacklisted from the people who lived here before me. Me and the wife can't get a tin of beans on credit. Planning on moving next year unless I can find a way to fix it. A friend of mine had same problem had police coming from all over the country looking for a bloke, nothing he could do so he moved. His wife was on 50k and he was on 30k and wouldn't touch them
 
Janesy B said:
Sorry, so if you have a mortgage, car, family and house to pay for you'd willingly spend a few hundred more on insurance to avoid having to get a credit card which takes about 30mins of your time? If you can't get one and can't afford the lump sum fair enough, but why would you spend more if you can avoid it?
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I wouldn't, no. But this is £2k :) (EDIT: guess i was wrong here then)

But most cases people can't afford to do this and don't have the credit history for a 0% credit 12 month. (With having a mortgage in their name for some)

So people just have to suck it up and accept paying interest. I had to on my first car which was a crippler.
 
cjgardens said:
It's

£124 x 10 months
Or £1024 cash

I've only been driving 5 years so that may have something to do with?

Still pretty shocking 30 year old married with kids and its that price for 3rd party
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5 years is plenty and shouldn't have much to do with it. What's the car? Did you try for a quote fully comp? Many people find fully comp cheaper than TP and TPFT these days.
 
cjgardens said:
Is it possible to haggle with them to get it a little lower

I've got two years no claims no points, 30 years old and I'm paying £127 a month. Seems a bit high to me?
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I go through the rounds of compare sites when my insurance is due and Admiral normally (read, 90% of the time) turn up the cheapest. I'll then get my renewal letter come through from Admiral, at twice the amount I can get it from online, and get them to match to the cheaper, online amount.

They're always tight on haggling, I'm sure they know they're the cheapest for my demographic.

Hxc said:
So you can't be bothered to save (possibly) a few hundred quid a year? This attitude baffles me.

I'm 21 and have £2k interest free for 12 months... I'm certainly using it for insurance.

And understand when a morgage etc... surely having real responsibilities like that means making savings all the more important?!
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This attitudes baffles me, too. Especially insurance being a fully known and expected expense every year.

The same applies to VED, and people taking out 6 months at a time. No problem if you switch cars often, but I know people who have had the same car for 3+ years and still pay it twice a year.

cjgardens said:
I've only been driving 5 years so that may have something to do with?

Still pretty shocking 30 year old married with kids and its that price for 3rd party
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Doubtful, I've only been driving 6 and my insurance is dirt cheap compared to yours, and I'm 23.

Kids ain't going to make any difference :P but, if your wife drives, try adding her to the insurance. My girlfriend brings my insurance down considerably.
 
cjgardens said:
My house is blacklisted from the people who lived here before me. Me and the wife can't get a tin of beans on credit. Planning on moving next year unless I can find a way to fix it. A friend of mine had same problem had police coming from all over the country looking for a bloke, nothing he could do so he moved. His wife was on 50k and he was on 30k and wouldn't touch them
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That doesn't sound right? Creditors aren't allowed to take the credit history of people who have lived there in the past into account when assessing you for credit:

http://www.thisismoney.co.uk/money/...5/Can-your-address-be-credit-blacklisted.html
 
scratch said:
That doesn't sound right? Creditors aren't allowed to take the credit history of people who have lived there in the past into account when assessing you for credit:

http://www.thisismoney.co.uk/money/...5/Can-your-address-be-credit-blacklisted.html
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I've not looked at that site, just about to go out but it is wrong. Even my landlord can't get credit and she ownes 18 houses. She said when someone moves out she gets a catalogue and orders stuff from that house to help the first order discount. Just what I've been told about it all but I can't get nothing and my wife can't where we could before
 
Rybo89 said:
But most cases people can't afford to do this and don't have the credit history for a 0% credit 12 month. (With having a mortgage in their name for some)
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You really don't need much credit history... I'm 21 and have a 0% credit card. Surely if you have a morgage that you arn't behind on, you'll have a decent enough rating as is?
 
Never go by the renewal letter they send you.

My little brother had been driving a year, 3 points, a speeding course, wrote off a car, 3 claims of whippy against him, a not too good postcode, he's only 20 likes driving around pretty much non stop in corsas and astras ad his insurance is less than yours!

I echo the comments from above 0% CC and spread the payments.

the "blacklisted" address seems a bit off in all fairness have you done a credit check?
Experian and the likes are always offering free trials, alternatively noddle.co.uk is a very similar service that will give you a rough idea of your rating. you need to get this addressed ASAP in case theres something wrong/amiss

Car insurance unless you pay it off all at once is pretty much a loan anyway credit check wise?
 
I've always managed to get a discount but I've never had any claims and never any more than 3 points on my license.

The procession of nonsense usually goes like this:

"You've been good but Insurer X has told me he'll do it for £100 cheaper - is there anything you can do?"
"Hold the line, I'll give the underwriters a call and see what we can do"
<On hold for an incredibly short amount of time - certainly not long enough for the agent to make another call - probably just checking Facebook>
"We can do it for X amount less than them - ok?"

Ring other insurer(s) back and play them off against the other - Rinse and repeat.

Except for over here of course, where any Japanese import is treated by insurers as a ticking bomb on wheels.
 
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