Pay-as-you-drive from Norwich Union

Shackley · 13 May 2007 at 16:54

Has anyone got any experience of the Norwich Union Pay-As-You-Drive scheme?

I am about to renew my policy and was thinking about this insurance.

However, having got an on-line quote, it doesn't seem any cheaper than the insurance I am currently using and is more expensive than alternative quotes I have obtained on-line.

What is the point of Pay-As-You-Drive? What (if any) is its USP?

al123 · 13 May 2007 at 16:56

It depends how much you drive/where/what time and how old you are.

If you are young and drive a long way late at night its £££

JIM_BOB7813 · 13 May 2007 at 17:03

Check out the T&Cs under the "How much will it cost?" link.

Norwich Union said:
To save you time we base your quote on some assumptions, please confirm that you meet these criteria

No driver of the car is a professional sports person, actor, actress, model, circus / fairground worker or anyone connected with the entertainment industry

Your car is not an Audi A8

touch · 13 May 2007 at 17:05

JIM_BOB7813 said:
Check out the T&Cs under the "How much will it cost?" link.

HAHA is that a joke?
Clowns driving audis are screwed

Tesla · 13 May 2007 at 17:07

I didn't believe that jimbob, then I checked for myself. :eek:

What the?

Dave85 · 13 May 2007 at 17:13

what descriminating against clowns driving A8's how dare they lol.

but seriously whats up with the A8 part. :confused:

Jez · 13 May 2007 at 17:14

Absolutely useless insurer, wont quote on anything remotely worthwhile for anyone even slightly young

Shackley · 13 May 2007 at 17:16

al123 said:
It depends how much you drive/where/what time and how old you are.

If you are young and drive a long way late at night its £££

I realise that it is going to depend on actual usage, but when I experimented with putting in different details, it seems that it is never significantly cheaper than other forms of insurance.

Perhaps the cost of fitting the logging device bumps it up more than the £50 they charge :confused:

JIM_BOB7813 said:
Check out the T&Cs under the "How much will it cost?" link.

Norwich Union said:

To save you time we base your quote on some assumptions, please confirm that you meet these criteria

* No driver of the car is a professional sports person, actor, actress, model, circus / fairground worker or anyone connected with the entertainment industry
* Your car is not an Audi A8

Click to expand...

No problem there

Nitro_Junkie · 13 May 2007 at 17:45

for me its working out way cheaper than anything else I could get
19
just passed
1litre polo
and people wanted £1600-£2000

went with NU payd, fitting etc was all free and starter price discounted cos my dad works for NU

won't go with it next year though, I don't drive a whole lot at the moment so will work out OK but with a years no claims I'll get 'normal' insurance

gareth.e · 13 May 2007 at 17:48

surely they could track the speed you travel at? and other rather dangerous pieces of information?

al123 · 13 May 2007 at 17:54

gareth.e said:
surely they could track the speed you travel at? and other rather dangerous pieces of information?

Yep

We will collect the date, time of day, location (in terms of longitude and latitude to be able to determine where your car is), speed and direction that you are driving.

Shackley · 13 May 2007 at 18:00

gareth.e said:
Surely they could track the speed you travel at? and other rather dangerous pieces of information?

True, in relation to speed at least. Not sure what you mean by "other rather dangerous pieces of information".

There are mentions of the speeding issue on the Internet and comments that the result is that one might be penalised for having an accident whilst "speeding safely" whilst not being penalised for doing so when driving like a lunatic but within the speed limit.

I of course, do the former but not the latter - clearly I would have to change my style of driving

PMKeates · 13 May 2007 at 18:58

DAvE18 said:
what descriminating against clowns driving A8's how dare they lol.

but seriously whats up with the A8 part.

They probably struggle to fit or operate the necessary equipment in a standard Audi A8.

touch · 13 May 2007 at 19:08

Nitro_Junkie said:
19
just passed
1litre polo
and people wanted £1600-£2000

:S what? thats rediculously high?
I had cheaper quotes (fully comp) on my 2.0 Golf GTI. (im also 19, had licence for a year but 0 ncb and 0 experiance)

Defcon5 · 13 May 2007 at 19:13

Aged 19 with a Golf GTI for under 1600?

shimy182 · 13 May 2007 at 19:21

touch said:
:S what? thats rediculously high?
I had cheaper quotes (fully comp) on my 2.0 Golf GTI. (im also 19, had licence for a year but 0 ncb and 0 experiance)

who with?

Sirrel Squirrel · 13 May 2007 at 19:34

That does sound really high, I passed my test at 17 and got A Peugeot 106 1.1, cheapest I found for that was £1500 and I thought that was high! Direct Line worked out the cheapest for that car.

Fantom · 13 May 2007 at 20:14

touch said:
:S what? thats rediculously high?
I had cheaper quotes (fully comp) on my 2.0 Golf GTI. (im also 19, had licence for a year but 0 ncb and 0 experiance)

That is very cheap! even assuming its the slower (no slouch) GTI :eek:

Nitro_Junkie · 13 May 2007 at 21:05

Sirrel Squirrel said:
That does sound really high, I passed my test at 17 and got A Peugeot 106 1.1, cheapest I found for that was £1500 and I thought that was high! Direct Line worked out the cheapest for that car.

different group for a Polo thats why, higher cost of repairs-better quality build and safer

Tdh1987 · 14 May 2007 at 00:28

You guys need to shop around. I'm paying £897 to insure my 2006 Seat Ibiza TDi sport, and I'm 19, 1 NCB. It was £1200 when I was 18 with 0 NCB.