Car insurance time...

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  • Psychotext 19 Jan 2007 19:17:05 54,180 posts
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    It's that time of year again for me when the luvverly car insurers tell me how much of a mess I am and wrench open my wallet to get at my cash. So... usually I use confused.com but I've been seeing a lot of adverts lately for certain insurers that offer discounts for two cars, NCB for named drivers etc.

    Anyone know what companies do this? Other than direct line I'm not sure, but I'm sure there was at least one other. Oh, and any other comparison sites worth using other than confused?

    Thanks!
  • Boof 19 Jan 2007 19:37:12 418 posts
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    confused.com is pretty comprehensive I think, I'm sure other well known sites like Motley Fool run their comparisons through Confused.
  • pjmaybe 19 Jan 2007 19:38:40 70,676 posts
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    Direct Line. Basically they're not the cheapest but they don't dickarse around if you have an accident and will pretty much ensure that you don't have to do too much donkeywork if it's not your fault.

    Peej
  • heyyo 19 Jan 2007 19:40:11 14,373 posts
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    elephant.co.uk, elephant.co.uk, elephant.co.uk

    "OK son, now you've got it"
  • Psychotext 19 Jan 2007 19:40:31 54,180 posts
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    pjmaybe wrote:
    Direct Line. Basically they're not the cheapest but they don't dickarse around if you have an accident and will pretty much ensure that you don't have to do too much donkeywork if it's not your fault.

    Peej
    This is true. I just about wrote off one of my old cars under a direct line policy. They're actually the cheapest I've found for one of my cars, but crazy expensive for the other.

    Wish I could work out how much of a discount they give for a second car though.
  • Psychotext 19 Jan 2007 19:57:51 54,180 posts
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    Tesco are the same I think.
  • Tomnd 19 Jan 2007 20:38:54 230 posts
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    i just had to do mine, crap isn't it having to pay out after christmas.
  • Psychotext 19 Jan 2007 20:41:25 54,180 posts
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    Aye.

    Just tried admiral and their multiquote thing is kinda cool. Price worked out about the same as the cheapest from the others but might go with them for the named driver NCB thing.
  • Merlinho 31 Dec 2007 12:09:17 5,909 posts
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    Admiral have just taken the piss with their renewal quote, I now have 1 years NCB but their quote is higher than last time...and also 150 higher from a new quote I created on elephant.co.uk, despite the fact that they are the same group company!

    So I'm jumping ship, don't really want to go to elephant either considering the way they've treated me, so looking at Swiftcover, which is an equivalent price.

    They seem very competitive but I don't know a great deal about them, anyone round here got any experience of Swiftcover?
  • wobbler147 31 Dec 2007 12:15:41 5,138 posts
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    confused.com threw up Swinton for me this year as the cheapest (which was a surprise!).
  • Dougs 16 Jan 2008 13:21:59 67,685 posts
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    How on earth do companies get away with it? Just looking for my first insurance in years, so obviously no NCB. Prices for fully comp vary from 180-900, and for TP, F&T - 155-700!

    Anyway, my question I guess is: Anyone used no-name insurers before (Ibuyeco and Kwik Fit insurance to name 2..). I know they are underwritten by bigger co's, just wondered what people's experiences were. Cheaper but more hassle when/if claiming?
  • gareth886 16 Jan 2008 13:30:14 2,841 posts
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    Car insurance sucks. Just had to renew mine on the 8th January. Also have to renew my tax. Ugh.
  • gareth886 16 Jan 2008 13:53:03 2,841 posts
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    Did you try Endsleigh Insurance? Their quote was half the price of any of the other companies I tried.
  • Dougs 16 Jan 2008 14:18:25 67,685 posts
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    Endsleigh were 40 a year more expensive
  • Dougs 16 Jan 2008 14:20:45 67,685 posts
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    The other thing I've just noticed is that different comparison sites offer different quotes for the same company - for example, with gocompare M&S were 435 fully comp. With comparethemarket.com they were 585!
  • gareth886 16 Jan 2008 14:26:47 2,841 posts
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    Car Insurance quotes don't seem to be an exact science. A lot of the time I think comparison sites just pull quotes out of their arses.
  • HarryB 16 Jan 2008 15:06:34 6,191 posts
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    gareth886 wrote:
    Did you try Endsleigh Insurance? Their quote was half the price of any of the other companies I tried.

    really good for young drivers with bugger all no claims etc.
    I was 500 for my 1st car fully comp compared to 7-800ish everywhere...
  • NOSAVIOUR 16 Jan 2008 15:09:55 2,804 posts
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    Been with Directline for 7 years, yesterday changed to swiftcover.com and saved myself 130, way better excess and all the extras I had before and told them about my 3 points...
  • FooAtari 16 Jan 2008 16:15:42 3,955 posts
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    Merlinho wrote:
    Admiral have just taken the piss with their renewal quote, I now have 1 years NCB but their quote is higher than last time...and also 150 higher from a new quote I created on elephant.co.uk, despite the fact that they are the same group company!

    So I'm jumping ship, don't really want to go to elephant either considering the way they've treated me, so looking at Swiftcover, which is an equivalent price.

    They seem very competitive but I don't know a great deal about them, anyone round here got any experience of Swiftcover?

    I wasn't the only to get shafted with the renewal then? I found Halifax to be the cheaest, 120 quid less than Admiral were this year. Plus Halifax accepted my 2 year "bonus accelerator" thing (get 1 year NCB every 10 months) as 2 standard years. So I was pretty happy.

    Edit,
    Oh and on these multi car and NCB on named drivers options, I thought if anyone had a crash in any car all named drivers on that policy lost their NCB?
  • RichGL 16 Jan 2008 16:42:44 793 posts
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    Don't use Quinn Direct (found them through Confused.com) IMO.

    The bastards have just conned me by holding onto my certificate after I returned it within the 14 day renewal cooling off period, and then saying that I didn't return it for 7 weeks! They also didn't send me the policy until 3 days after it was due to renew.

    Cheating rip-off merchants.
  • redlander 16 Jan 2008 16:45:47 1,039 posts
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    "When have I got time to shop for car insurance?"
  • Dougs 16 Jan 2008 16:51:15 67,685 posts
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    gareth886 wrote:
    Car Insurance quotes don't seem to be an exact science. A lot of the time I think comparison sites just pull quotes out of their arses.

    Well this may be true...haven't actually followed through any quotes as yet.
  • Kryon 17 Jan 2008 19:16:16 62 posts
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    People, DO NOT use confused.com, check prices for yourself. I tried sites like that and then had a browse for myself, I'm glad I did because it saved me hundreds of pounds. Elephant was my choice, they insured me on a car for under a grand that other companies either were asking 3 - 8k for or simply refused to insure me on my vehicle at all! (I'm a relatively new driver with a Supra, hence expensive prices). Elephant have also been very good customer service-wise (in my experience) and if you check their policies, you'll find they offer the most for the least money.
  • crashVoodoo 17 Jan 2008 19:26:02 3,907 posts
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    every couple of weeks this money expert comes onto jo whileys radio 1 show and gives advice for money related shit.

    last tim he was on he covered car insurance and showed how to get the cheapest cover (example he used was 27 for a full years cover).

    hes compared all the insurance "checkers" and picked the ones that give the most comprehensive search when used in conjunction. you can even do something where you get cash back ...

    follow the steps and give it a whirl

    a Nexus a day keeps the apple away

  • shane23451 22 Apr 2009 11:50:07 1 posts
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    Every man want to have a own house. As some people may have this as their dream but some cannot complete their dream as they are not aware prices and think's they need a huge amount of money to buy a property. Don't think like that every persons dreams can be satisfied through FSBO real estate services
    ____________
    shane

    Home Insurance
  • Mike_Hunt 22 Apr 2009 12:05:01 23,513 posts
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    pjmaybe wrote:
    Direct Line. Basically they're not the cheapest but they don't dickarse around if you have an accident and will pretty much ensure that you don't have to do too much donkeywork if it's not your fault.

    Peej
    I had to issue a small claim against Direct Line and write to the CEO because they made such a fuckup of my car after an accident.

    I wouldn't go back with them if they were free.

    I'm with Noel Dazley now, and have been for 5 years. Very happy, and they get me the cheapest quote year on year.

    edit - damn spammer thread ressurection!

    [MH]
  • rare_uk 22 Apr 2009 12:15:09 3,569 posts
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    Don't forget Quidco mate. I got home insurance for 193 yesterday and I get 40 back on Quidco, so effectively cost me 153 :)
  • Aranel 22 Apr 2009 12:17:22 669 posts
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    gareth886 wrote:
    Car Insurance quotes don't seem to be an exact science. A lot of the time I think comparison sites just pull quotes out of their arses.

    The quotes can vary because of loads of different factors, for example the details each price comparison website asks for may differ slightly and this could actually give you a whole different risk profile. Some might also negotiate different deals.

    I only ever use a price comparison website for giving me a good idea of what the insurance companies will quote me, and then will go to the insurer direct.

    To the OP: what car are you trying to insure? It can be worth going with specialist insurers/brokers, depending on the car you have. I went with Adrian Flux 'Cherished Vehicles' this year as they quoted me about 700 under what my current insurer quoted me.
  • Nasty 22 Apr 2009 12:21:14 4,742 posts
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    Merlinho wrote:
    Admiral have just taken the piss with their renewal quote, I now have 1 years NCB but their quote is higher than last time...and also 150 higher from a new quote I created on elephant.co.uk, despite the fact that they are the same group company!

    So I'm jumping ship, don't really want to go to elephant either considering the way they've treated me, so looking at Swiftcover, which is an equivalent price.

    They seem very competitive but I don't know a great deal about them, anyone round here got any experience of Swiftcover?

    I've used Swiftcover for the last 3 years without any hassle. Really easy to setup and manage multiple cars on it too. Not had to make a claim though.
  • JuanKerr 22 Apr 2009 12:24:59 36,246 posts
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    I use Admiral simply because they are the cheapest. They are shite.
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