Insurance recommendations

Psymonkee · 14-04-2009, 14:29

Got a lovely letter in the post the other day saying the Elephant would like to lighten my wallet to the tune of £560 quid for 10 months of insurance!

Having just checked my records this amounts to a whopping £23 discount over the previous years premium and considering I have an extra years NCB (now 2, lost it all 2 years back...) I feel that's somewhat of a slap in the face.

Not driving anything too fancy either - VW Golf Mk5 1.4 TSI 170 (3dr).

Clean license, 1 50/50 claim (insurers fault tbh

) 9 years driving, 2 NCB - surely can't be that pricey?

Anyone got any good recommendations for insurers?

kaiowas · 14-04-2009, 15:38

Run a quote on their website yourself as a new customer. I've never yet failed to beat Elephant's renewal quote by a significant margin by doing this.

lostkat · 14-04-2009, 15:57

Not a recommendation unfortunately. AVOID Sainsburys insurance.

Psymonkee · 14-04-2009, 16:15

Avoid is just as good

Got stung by Admiral in the past but once again they have the cheapest quote

Norwich Union/Churchill/Direct Line/Bell all want 600+ (ranging to 880!) so their out already

Will try new customer quote though

Waiting on APlan and Sky Insurance call backs

Glaucus · 14-04-2009, 16:16

yes check them all. I have never stayed with the same insure. The last two years was swiftcover and now direct line and each insurer will be different for car, age, claims, postcode. So there is no easy way of searching for cheapest.

Use every comparison site, then work your way through the forms on the websites. Takes best part of a day, but worth it.

LeperousDust · 14-04-2009, 17:52

Personally i seem to get pretty darn cheap Insurance with Elephant myself, after one incident 2 years ago and 2 year NCB now. They even include free windscreen chip repair with TPFT cover as well! I'm only 22 and i'm paying £350 i think it was...

Psymonkee · 14-04-2009, 20:17

Done a new quote with elephant and there still 80 quid up on Admiral.

However Admiral are the ones that screwed up my claim last time and cost me 3 years NCB

still £405 is the cheapest I've got so far....

kaiowas · 14-04-2009, 22:00

Admiral are part of the same group as Elephant anyway and in the past I've been told that they'll match quotes accross the group if you'd rather stay with Elephant.

Having said that my quotes between the 2 are generally with a pound or two of each other anyway so it might be worth checking in case you've put somethign different in between the 2 quotes.

LeperousDust · 14-04-2009, 22:24

How did they screw it up?

Elephant, Bell, Diamond, and a few others are all owned by the Admiral PLC anyway

Psymonkee · 14-04-2009, 23:47

They accepted a letter on my behalf from the 3rd party insurer which stated 'full and final settlement' against my instructions.

Then after having done that they proceeded to string me along saying that they were fighting it and they'd claim it all back and not to worry :/

Cost me my 2 years NCB and whacked my premium (with a car change admittedly) from 315 -> 750

Was an easy non-fault but they screwed it up :/ (reversed into in a car park....)

14-04-2009, 14:29	#1
Psymonkee A cat wearing a wet suit Join Date: Sep 2008 Location: St.Andrews Posts: 2,023	Insurance recommendations Got a lovely letter in the post the other day saying the Elephant would like to lighten my wallet to the tune of £560 quid for 10 months of insurance! Having just checked my records this amounts to a whopping £23 discount over the previous years premium and considering I have an extra years NCB (now 2, lost it all 2 years back...) I feel that's somewhat of a slap in the face. Not driving anything too fancy either - VW Golf Mk5 1.4 TSI 170 (3dr). Clean license, 1 50/50 claim (insurers fault tbh ) 9 years driving, 2 NCB - surely can't be that pricey? Anyone got any good recommendations for insurers? __________________ Sonisphere FMC Code: 1k949178

14-04-2009, 15:38	#2
kaiowas The Stig Join Date: Jul 2006 Location: Fightertown USA Posts: 1,458	Run a quote on their website yourself as a new customer. I've never yet failed to beat Elephant's renewal quote by a significant margin by doing this. __________________ Anal Fish Porn

14-04-2009, 15:57	#3
lostkat Good Cat Join Date: Jun 2006 Posts: 5,550	Not a recommendation unfortunately. AVOID Sainsburys insurance. __________________ Oooooh Cecil, what have you done?

14-04-2009, 16:15	#4
Psymonkee A cat wearing a wet suit Join Date: Sep 2008 Location: St.Andrews Posts: 2,023	Avoid is just as good Got stung by Admiral in the past but once again they have the cheapest quote Norwich Union/Churchill/Direct Line/Bell all want 600+ (ranging to 880!) so their out already Will try new customer quote though Waiting on APlan and Sky Insurance call backs __________________ Sonisphere FMC Code: 1k949178

14-04-2009, 16:16	#5
Glaucus Absinthe Join Date: Jun 2008 Posts: 1,855	yes check them all. I have never stayed with the same insure. The last two years was swiftcover and now direct line and each insurer will be different for car, age, claims, postcode. So there is no easy way of searching for cheapest. Use every comparison site, then work your way through the forms on the websites. Takes best part of a day, but worth it. __________________

14-04-2009, 17:52	#6
LeperousDust Bananaman Join Date: Jul 2006 Location: Liverpool/Edinburgh Posts: 4,817	Personally i seem to get pretty darn cheap Insurance with Elephant myself, after one incident 2 years ago and 2 year NCB now. They even include free windscreen chip repair with TPFT cover as well! I'm only 22 and i'm paying £350 i think it was... __________________

14-04-2009, 20:17	#7
Psymonkee A cat wearing a wet suit Join Date: Sep 2008 Location: St.Andrews Posts: 2,023	Done a new quote with elephant and there still 80 quid up on Admiral. However Admiral are the ones that screwed up my claim last time and cost me 3 years NCB still £405 is the cheapest I've got so far.... __________________ Sonisphere FMC Code: 1k949178

14-04-2009, 22:00	#8
kaiowas The Stig Join Date: Jul 2006 Location: Fightertown USA Posts: 1,458	Admiral are part of the same group as Elephant anyway and in the past I've been told that they'll match quotes accross the group if you'd rather stay with Elephant. Having said that my quotes between the 2 are generally with a pound or two of each other anyway so it might be worth checking in case you've put somethign different in between the 2 quotes. __________________ Anal Fish Porn

14-04-2009, 22:24	#9
LeperousDust Bananaman Join Date: Jul 2006 Location: Liverpool/Edinburgh Posts: 4,817	How did they screw it up? Elephant, Bell, Diamond, and a few others are all owned by the Admiral PLC anyway __________________

14-04-2009, 23:47	#10
Psymonkee A cat wearing a wet suit Join Date: Sep 2008 Location: St.Andrews Posts: 2,023	They accepted a letter on my behalf from the 3rd party insurer which stated 'full and final settlement' against my instructions. Then after having done that they proceeded to string me along saying that they were fighting it and they'd claim it all back and not to worry :/ Cost me my 2 years NCB and whacked my premium (with a car change admittedly) from 315 -> 750 Was an easy non-fault but they screwed it up :/ (reversed into in a car park....) __________________ Sonisphere FMC Code: 1k949178