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#1624233 - 22/08/2018 19:48 Insurance for daily drivers
suba Offline
Je suis un Coupé

Registered: 03/01/2006
Posts: 9860
Loc: SW London
Chaps,

just had my renewal through for the daily drivers - Pug 307cc and Sabb 9-3 aero... it's gone up 30% since last year's multicar policy

anyone got any ideas on who I should go to for a better quote - 15 years no claims bonus, clean license etc.

really want to shortlist around 5 for me to shop to...

Thanks smile
_________________________
Rotary fun - 370 bhp per ton. GT30's are small you know?!??!?!?!

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#1624242 - 23/08/2018 10:47 Re: Insurance for daily drivers [Re: suba]
Master_Mariner Offline
Club member 583
Enjoying the ride

Registered: 16/09/2007
Posts: 433
Loc: Freedom
Hi Suba,

Money talks - at that hike, I would at least go on line and check out "what" or something like that and see what competitive quotes you get off a search.

Or ring around 2/3 of the bigger names.

Tell everyone your going to place your business with the lowest price...and sit back and see what comes in?

Regards

MM

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#1624246 - 23/08/2018 11:51 Re: Insurance for daily drivers [Re: suba]
DaveG Offline
Club member 311
Forum is my life

Registered: 16/12/2005
Posts: 6999
Loc: Abu Dhabi, UAE
Every year, for each car in the family fleet (6, excluding the modified 20vt), I go the 4 comparison sites (Meerkat, Annoying-tw@t-with-the-'tash, Supermarket, Confuzzled) and update accident/points history if required (!) and run through different mileages/excess options and see if something jumps out. Sometimes having a lower voluntary excess makes little difference to the premium.

It used to be that all the comparison sites pretty much came up with the same thing, but I've noticed that sometimes one of them will offer a lower premium for seemingly the same insurer and same cover, perhaps that's to do with referral payments or something, but see footnote (*).

Then click through the best ones to see if details have transferred correctly (*), also try final provider's own web site, and try others like DirectLine etc. for a laugh (sometimes hopelessly uncompetitive).

This approach is OK for non-modified cars, but in my experience although you might save in the first year when you set up a multicar policy, come renewal time the quote is just as rubbish as for individual policies renewing. I've yet to be convinced that a multicar policy make sense over time.

It depends how much time/effort you want to put in vs. the potential savings. Even trying just one comparison site will give you an indication of how (un)competitive your renewal quote is.

(*) details sometimes get mangled, there was an article the other day on BBC News


Edited by DaveG (23/08/2018 11:52)
Edit Reason: tw@t
_________________________
1996 Portofino 20vt & 2000 Pearl White Plus
1985½ & 2016 2017 Fiat 124 Spider + XF Sportbrake

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#1624248 - 23/08/2018 11:54 Re: Insurance for daily drivers [Re: suba]
DaveG Offline
Club member 311
Forum is my life

Registered: 16/12/2005
Posts: 6999
Loc: Abu Dhabi, UAE
When using the comparison sites, make sure you opt out of the option for the two "best" quotes to contact (ie: hassle) you.

And I make a point of requesting that automatic renewal is removed after paying.
_________________________
1996 Portofino 20vt & 2000 Pearl White Plus
1985½ & 2016 2017 Fiat 124 Spider + XF Sportbrake

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#1624257 - 23/08/2018 17:57 Re: Insurance for daily drivers [Re: DaveG]
suba Offline
Je suis un Coupé

Registered: 03/01/2006
Posts: 9860
Loc: SW London
Dave - decent tips, will give it a go..... now just need to find some time before the 1st September. laugh
_________________________
Rotary fun - 370 bhp per ton. GT30's are small you know?!??!?!?!

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#1624422 - 27/08/2018 23:52 Re: Insurance for daily drivers [Re: suba]
Benharris24 Offline
Club member 1557
On a journey

Registered: 22/10/2016
Posts: 159
Loc: Southampton
Also delete cookies from browser or go incognito between comparison searches as they can use look a like data and give you very similar prices

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#1624493 - 29/08/2018 09:54 Re: Insurance for daily drivers [Re: DaveG]
suba Offline
Je suis un Coupé

Registered: 03/01/2006
Posts: 9860
Loc: SW London
spent a bit of time yesterday inputting details.... all the quotes are coming through as more than double what I paid last year! crazy
_________________________
Rotary fun - 370 bhp per ton. GT30's are small you know?!??!?!?!

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#1624495 - 29/08/2018 10:48 Re: Insurance for daily drivers [Re: suba]
DaveG Offline
Club member 311
Forum is my life

Registered: 16/12/2005
Posts: 6999
Loc: Abu Dhabi, UAE
With the same occupation, excesses, mileage, driving history, named drivers, car location during day/night, etc.? Maybe the renewal quote is good then, but worth challenging them to reduce the premium.

Another thought, I used to (30 years ago?) go to a local A-Plan office where they seemed to try various brokers, I haven't used them in years but they are still going, so must be competitive in some cases?
_________________________
1996 Portofino 20vt & 2000 Pearl White Plus
1985½ & 2016 2017 Fiat 124 Spider + XF Sportbrake

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#1624505 - 29/08/2018 17:07 Re: Insurance for daily drivers [Re: DaveG]
suba Offline
Je suis un Coupé

Registered: 03/01/2006
Posts: 9860
Loc: SW London
yep - all the same.

Current renewal is through REIS (broker that also do the insurance on the RX7.) They managed to get me a very good deal last year...
_________________________
Rotary fun - 370 bhp per ton. GT30's are small you know?!??!?!?!

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#1624730 - 06/09/2018 07:11 Re: Insurance for daily drivers [Re: suba]
Submariner Offline
Enjoying the ride

Registered: 20/12/2005
Posts: 1167
Loc: Kent
I have 6 cars and all on individual policies..multi-car one's do not save me money. I don't bother with agreed value either. I have noticed that time of year influences premiums massively too.

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#1624806 - 08/09/2018 22:29 Re: Insurance for daily drivers [Re: Submariner]
20vtDanV Offline
Reaping the fruits

Registered: 09/08/2018
Posts: 76
Loc: Sunny Nottingham
Originally Posted By Submariner
I have 6 cars and all on individual policies..multi-car one's do not save me money. I don't bother with agreed value either. I have noticed that time of year influences premiums massively too.


6 cars ?! All on separate policies ? Dread too think the overall costs!

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