is it possible to haggle with insurers?

In the spirit of the OP's question, yes there's always discounts available to a certain extent. Admiral sent me through my renewal, proudly presenting a premium of £566. I laughed, because I was about to take out a policy with Aviva for £417 with all the same gumpf and excess etc, unless Admiral could match that or get particularly close. I phoned Admiral and whilst they were able to knock it from £566 to £465, it wasn't close enough and so I chose to save a further £50 by moving to Aviva. It's odd because they're normally cheapest for me, but that's the insurance game.

I was pleasantly surprised at how much cheaper it was for me this year anyway! My premium last year was about £560.
 
lol on that risk site where I live in swansea (SA2) is rated E* and parents in SA3 is D :p

only time parents had any crime at their house was a doctor on call breaking in to use the phone in an emergency (as my parents live in the middle of no where... the phone was out of order as well xD )
 
For context my Admiral insurance was £998 in year 1 of holding my own insurance.

My renewal this year is £1007 (with a non-fault claim) and my first NCB.

On comparison sites, Admiral with an increased annual mileage was in the region of £800 - considerably less than the renewal.

In the end I went elsewhere with some future mods declared for £680.
 
Sasso said:
lol on that risk site where I live in swansea (SA2) is rated E* and parents in SA3 is D :p

only time parents had any crime at their house was a doctor on call breaking in to use the phone in an emergency (as my parents live in the middle of no where... the phone was out of order as well xD )
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Even if its an emergency, breaking into someones house to use their phone is a bit shady XD
 
I renewed my insurance on the 17th of this month and it was the easiest haggling I've ever had. I ran a quote online with Diamond which was miles cheaper than anywhere else at £820. I rang up to confirm and pay and before I had even began to try and haggle, he said that would be £780. This was without changing any details or taking off any added extras.

I've always found that the Admiral group can knock off around 5% of the price over the phone, if not more.
 
My insurance was £1300+ last year. I received a renewal notice from them for £1200. Instead I went to 2 or 3 specialist insurers and got it down to £500 by playing them off of each other. So yeah haggling can work.
 
That's a good saving that

I've still got two weeks before its due so ill keep shopping about and try and get it down a bit more

I would be happyish at £100 a month going off what I've been paying so far. The year before it was £181 for 11 months
 
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Really don't think postcodes make a difference. I'm in an "F*" postcode, but my insurance on a 1.4TSI Golf is £650 a year. I'm 20, with 2 years NCB.
 
Golfs are cheap to insure for some reason. Or at least that's what I found when I first pasted my test.

Oh well looks like I'll have to take it on the chin.
 
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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Sorry but this is rubbish, if your credit rating is good enough for you to have secured a mortgage then a 0% credit card is a trivial walk in the park unless you've already defaulted on said mortgage or something!

Owning a home and paying a mortgage is about the biggest boost to a credit rating you can get!
 
I don't understand how your insurance can be that high?

I'm 20, 1 year NCB, 1 at fault claim, speed awareness course, insured for business use on a 1.4 fiesta and just renewed my insurance for £550

I've also now had 2 0% credit cards, all while being a student/unemployed with minimal yearly income and barely any history so they aren't that hard to get.

Post code does make a difference, my insurance goes up when I take my car to uni as it is a lower rated postcode. (Although that list isn't what the insurers used so is only a rough guide these days).
 
Yes DO haggle!

I work at a brokers and we are allowed to add up to 30% fee onto the insurer premium (used to be 25% but recently went up). We always quote high and gauge the reaction, but then chip away at our fee as required.

Even once our fee has been stripped and the quote is flat we can still remove a bit out of our commissions to close the deal.

So haggle!
 
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