Car Insurance Renewal Time

[otherclive]

Last year I posted thread on the same topic and wondered if anyone had used brokers. Wonder no more as today I used Swinton and the combined quote for a Kia rio and RAV4 was around £1550 compared to LVs most recent which was £575 for RAV 4 and £372 for Rio. Both cars had me and my wife as Social, and the RAV had daughter on Business with Rio having Grandson on Business. But on seeking quotes three companies curtailed the quote process as my Grandson is in the Army Reserve as well as working full time. I looked at Multi Vehicle policies as is my LV one and they came out around £1450-1670 without daughter or grandson. I was going to opt for Taco with the RAV until it shot up by £70 due to a very minor no fault incident two years ago when a lady reversed her CRV in to the Rio and I was just walking up the road.

I thought Id got a decent deal with Hastings Premium for the RAV until certain unacceptable endorsements popped up. So after much angst I decided to take the daughter and grandson off our policies. Insured the Rio with the Saga for £228 cf LVs £373. The RAV 4 is now with a AXA Plus at £623 as once id removed the Rio from the LV multi policy the RAV went from £575 to £721. So after being with Frizzell then Liverpool Victoria then LV as the company morphed went have policies with LV as the house went to Halifax last June.

The quite unacceptable endorsements from Hastings Premium are shown below. And it wasn't that they were any cheaper than AXA, or Tesco for the RAV.

So I saved around £90 for the two cars and obtained some improvements in cover.

 

[RogerL]

I've recently renewed my car insurance using Martin Lewis' advice to check MoneySuperMarket, Compare the Market, Go Compare and Direct Line in that order - I also tried Cornmarket who are the brokers for Advanced Drivers. MoneySuperMarket came up with the cheapest at £599 using One Protect, about 16% cheaper than my renewal with RAC Online - Cornmarket at £1000 and Direct Line at £1500 showed the value of using the comparison sites - and I've got a £15 gift card from MoneySupermarket!

Strangely the One Protect policy, which was the cheapest with the terms I needed, wanted more to add my daughter-in-law as a named driver rather than reduce the premium.

My son works in car insurance and reminds me every year there's no logic in car premiums so you just have to shop around.

 

[otherclive]

I've recently renewed my car insurance using Martin Lewis' advice to check MoneySuperMarket, Compare the Market, Go Compare and Direct Line in that order - I also tried Cornmarket who are the brokers for Advanced Drivers. MoneySuperMarket came up with the cheapest at £599 using One Protect, about 16% cheaper than my renewal with RAC Online - Cornmarket at £1000 and Direct Line at £1500 showed the value of using the comparison sites - and I've got a £15 gift card from MoneySupermarket!

Strangely the One Protect policy, which was the cheapest with the terms I needed, wanted more to add my daughter-in-law as a named driver rather than reduce the premium.

My son works in car insurance and reminds me every year there's no logic in car premiums so you just have to shop around.

I used Money Supermarket and Compare the Market, Swintons, plus Direct Line who are now on comparison sites, as well as seeking direct quotes from sites such as Toyota. The latter giving 25% discount if you allowed them to monitor electric mileage. With discount that was just under £900. Fully agree with your son’s comments wrt lack of logic in the market.

 

[Mr Plodd]

Insurance companies, like banks, are not your friend

 

[Dustydog]

Last year I posted thread on the same topic and wondered if anyone had used brokers. Wonder no more as today I used Swinton and the combined quote for a Kia rio and RAV4 was around £1550 compared to LVs most recent which was £575 for RAV 4 and £372 for Rio. Both cars had me and my wife as Social, and the RAV had daughter on Business with Rio having Grandson on Business. But on seeking quotes three companies curtailed the quote process as my Grandson is in the Army Reserve as well as working full time. I looked at Multi Vehicle policies as is my LV one and they came out around £1450-1670 without daughter or grandson. I was going to opt for Taco with the RAV until it shot up by £70 due to a very minor no fault incident two years ago when a lady reversed her CRV in to the Rio and I was just walking up the road.

I thought Id got a decent deal with Hastings Premium for the RAV until certain unacceptable endorsements popped up. So after much angst I decided to take the daughter and grandson off our policies. Insured the Rio with the Saga for £228 cf LVs £373. The RAV 4 is now with a AXA Plus at £623 as once id removed the Rio from the LV multi policy the RAV went from £575 to £721. So after being with Frizzell then Liverpool Victoria then LV as the company morphed went have policies with LV as the house went to Halifax last June.

The quite unacceptable endorsements from Hastings Premium are shown below. And it wasn't that they were any cheaper than AXA, or Tesco for the RAV.

So I saved around £90 for the two cars and obtained some improvements in cover.


View attachment 9589

That endorsement is ambiguous. What happens you park in the hotel car park on holiday or at family overnight?
The problem with dealing with insurers today is the inability on their part to allow a half intelligent human being speak to you.
Glad you got some resolution but not quite what you wanted as previously