Manipulating insurance quote

Jano

Jano

Jano

Associate
Joined
31 Mar 2009
Posts
2,383
Location
Basingstoke, UK
Insurance renewal time and I'm fiddling with quotes to try and get an idea of price. Haven't had the letter through from Admiral yet, but its due at the beginning of December so its not going to be far away. Last years price was £750ish off the top of my head, I've currently got it down to around £550, having added parents, unfortunately adding the gf on whacks it up about £35 but thats a necessity.

Have tried putting overnight parking as both on road and on driveway, driveway knocked off about £15. Both parents are retired so nothing I can do there, gf's a teacher so again, not much variation available there.

For me however, I've had to put occupation as office worker as my job isn't listed at all, not even close. Job title is order management specialist, however it's more logistics based, none of which comes up on the list. Anyone got any ideas on what else I could do to try and lower the quote? I'm hoping to get it down closer to £500, before I start phoning around.
 
Admiral will probably pick up on our attempts to do this, and will charge you the higher price. You will have to ring them and tell them.
 
LiE said:
I assume you live with your parents and they drive your car?
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Why do you assume that? You can add anyone you wish to be able to use your car as a named driver. They don't have to use it on a regular basis! It's just there if they need to.
 
Right, I thought there was some restrictions around named driver to prevent people being added purely to bring the quote down and have no intention of driving the car.
 
LiE said:
Right, I thought there was some restrictions around named driver to prevent people being added purely to bring the quote down and have no intention of driving the car.
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Why would you think that? How do you prove that your mother has no intention of driving your car anyway, by hiring the thought police? My mother is named on my car. She's driven it 3 times in the last year so it's mildly useful I guess. Asked 12 months ago if she would drive my car and she'd have had no idea if she would or not. But having people able to drive my car is useful and convenient. Thats what named drivers are for.
 
PhillyDee said:
Admiral will probably pick up on our attempts to do this, and will charge you the higher price. You will have to ring them and tell them.
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Ring them and tell them what? If they charge a higher price I'll go with the company coming up cheapest, simple.

As for the other part, I do live with my parents and they have driven my car, well the old man has, didn't put my mum on the insurance last year as it pushed the cost up, while this year its lowered it. As Fox has said, if it lowers my premium I will put my mothers sisters uncles fathers daugher on it, "just in case".

Have also tried increasing the excess, putting it up to £500 from £250 knocks a whacking great £6 off the quote so doesn't look like I'm gaining to much there either.
 
LiE said:
Right, I thought there was some restrictions around named driver to prevent people being added purely to bring the quote down and have no intention of driving the car.
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Are you thinking of insurance fronting where the main named driver is going to be driving the car irregularly/not at all? Because that's definitely not ok.

Jano said:
Ring them and tell them what? If they charge a higher price I'll go with the company coming up cheapest, simple.
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Probably PhillyDee means to tell them what your actual job is and see if they categorise it under something that you haven't initially thought of?
 
http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

Use that link to try an manipulate your already ambiguous job description!

I found that Co-Habiting is the cheapest respective option, and parking on the street is the cheapest respective option.

PhillyDee said:
Admiral will probably pick up on our attempts to do this, and will charge you the higher price. You will have to ring them and tell them.
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Their website isn't that intelligent mate. You can mess around with every permutation and go back to your original one and it goes back to the original quote. What I did find though is that if you get to their website from Confused.com and then modify your quote, it's cheaper than if you just start a quote from their own website and enter the same options.
 
Looks like I've hit the barrier at £551 through the comparison sites. Good starting point I guess.

Tried the job picker thing but didnt really change much. administrator seems to knock a couple of quid off at least.
 
[TW]Fox;20578309 said:
Why do you assume that? You can add anyone you wish to be able to use your car as a named driver. They don't have to use it on a regular basis! It's just there if they need to.
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My mother, aunt and Grandma are all named drivers on mine. Haven't any intention of letting them drive it though.
 
the list MSE website gives you is an estimate as the insurance companies rate differently on different jobs, so its good for a rough idea however you would still have to run it through the insurance website to see if thats the actual saving you would get
 
Increase excess (I always put mine at £500 as I wouldn't claim for less than that anyway)

Pay annually rather than monthly. Remove hire car option if there is one
 
Jano said:
Ring them and tell them what? If they charge a higher price I'll go with the company coming up cheapest, simple.

As for the other part, I do live with my parents and they have driven my car, well the old man has, didn't put my mum on the insurance last year as it pushed the cost up, while this year its lowered it. As Fox has said, if it lowers my premium I will put my mothers sisters uncles fathers daugher on it, "just in case".

Have also tried increasing the excess, putting it up to £500 from £250 knocks a whacking great £6 off the quote so doesn't look like I'm gaining to much there either.
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semi-pro waster said:
Are you thinking of insurance fronting where the main named driver is going to be driving the car irregularly/not at all? Because that's definitely not ok.



Probably PhillyDee means to tell them what your actual job is and see if they categorise it under something that you haven't initially thought of?
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Nope, they actually contacted me and told me that after I took out the insurance with them, and said it was clear I was trying to pad the quote to get the cheapest price. I cannot remember why, just that they tried to charge me extra!
 
Malc said:
Their website isn't that intelligent mate. You can mess around with every permutation and go back to your original one and it goes back to the original quote. What I did find though is that if you get to their website from Confused.com and then modify your quote, it's cheaper than if you just start a quote from their own website and enter the same options.
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More Than investigated my insurance policy because there were so many unusual entries made in the application form on the comparison websites so I'd tread carefully.
 
Just before I clicked confirm I remembered hearing somewhere that parking on street is actually cheaper than driveway / garage. So I changed it to on-street and the insurance went down 80 pound!

Having yourself as registered owner also reduces the quote.

Female named drivers, even if they have points on their licence seem to reduce your quote. Mine went down by 1200 overall by adding three named drivers. (2700 before named drivers, 1500 after).
 
Do you currently pay monthly? or yearly?

I called Elephant and my quote dropped from £650 to £480 by changing to yearly, on the internet, I couldn't get their website to do the same thing :S
 
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