Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Is this just one big scam that relies on customers not knowing or bothering to research things themselves?
So I go to add my new corsa on my insurance, but first to get an idea of the price I go to the online quoter. Put in all the details then right at the end it says "It looks like you are already a customer please call xxxx to speak to us"
So basically it wasn't going to give me a new price. So I go back and alter some of the details, just ones that wouldn't affect the quote price regardless, like name and email etc. This time it gives me a price £565 for both cars. Not bad, so I rang them.
Explained to the guy I would like to add the Corsa to my current multicar policy, he goes off and comes back with the price increase per month. So I multiply it all up and figure out over the same period as that quote I was given on line it would equate to £970!
So I mentioned the price on-line and he said he couldn't price match as I was halfway through a policy leaving me an only option of buying out the rest of my policy and starting a new one, which still worked out cheaper. Madness!
In the end I got them to waiver a lot of the buying out cost, and just left me with £39 to cancel the policy and start a new one, which still saved me loads. I wondered how many people actually bother to find out how much a complete new policy would cost at renewal rather than just letting it automatically renew? It's bizarre how existing customers are overcharged massively compared to new one. I found the same with Direct Line too.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Have you not lost a potential additional years no claims now tho?
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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i never auto renew. always shop around. this years renewal with admiral van was more than double the premium for last year. shopped around and found the best quote i could get was with admiral van again, but £130 cheaper than my renewal price with the same company.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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quote:
Originally posted by Brett
Have you not lost a potential additional years no claims now tho?
I think they mirrored it across, cant be much difference between 10 years ncb and 11 though
This was Admiral too!
[Edited on 20-08-2015 by Steve]
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BarnshaW
Member
Registered: 25th Oct 06
User status: Offline
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I thought they capped it at 10 years anyway
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by BarnshaW
I thought they capped it at 10 years anyway
from what i gather yes
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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For the past two years ADmirals renewals have been the best price I can get. Down to £285 this year... strange as usually they are all over the place!
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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Bloke at work was trying to move his policy over onto his son's car the other day, they tried to sell him a new policy and said that as the car was registered in his son's name, the son had to be on the policy too 
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Yep, noticed that when I was with Admiral. Absolute cunts. I just did as you did and they usually price match.
With Sainsburys and AXA now. £800 for both.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Think I'm that old I can't really get insurance much cheaper. All swings and roundabouts.
Tesco price matched with a new policy based on their online quote vs. renewal.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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My insurance is £21/month. Protected 5 years no claims. Both drivers with insurance claim.
Soon I'll be spending more on insurance, servicing and tax than the car is worth
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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Mine is 170 for the year. I can insure an m5 for 190 a year plus various other epic cars for under 250.
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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One big legal scam and as you say not everyone shops around. Most people trust their insurer to provide the best quote.
I swapped my Impreza policy with Adrian Flux over to the Volvo and the renewal was dearer by around £70 for the Volvo.
Went elsewhere and was quoted £200 by GA. Old insurer wouldn't match it.
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
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quote:
Originally posted by Steve
quote:
Originally posted by Brett
Have you not lost a potential additional years no claims now tho?
I think they mirrored it across, cant be much difference between 10 years ncb and 11 though
This was Admiral too!
[Edited on 20-08-2015 by Steve]
I had the exact same debacle with Elephant and Admiral when I changed insurance from my punto to the golf. Elephant wanted an absolute fortune to insure it and a new quotation brought it up at a normal price with Admiral - the same parent company.
I ended up going through the the same thing and getting them to agree to all waiver costs. But the condition from them was only as long as I stayed in their group (elephant to admiral was ok then lol). I was pretty pissed off and would have paid a little extra to go with Axa given the choice.
They also tried to get me to pay a hugely inflated figure for the daily rate I was insured for for my final payment. They quoted over 50 quid initially. But I challenged them regarding how the figure was worked out and they miraculously amended it to under a tenner. It was only a few days cover!
I actually thought at the time that I should fire a quick email to watchdog as this must happen all over the place, but i never bothered.
Corsa 2.0 16v Vegas - Sold
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by Nic Barnes
Mine is 170 for the year. I can insure an m5 for 190 a year plus various other epic cars for under 250.
By the time you actually buy an M5 you'll have to insure it on a classic car policy.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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Tbh I've been looking at rs4 avants lately anyway.
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tom130691
Premium Member
Registered: 13th Sep 08
Location: Daventry
User status: Offline
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my fiesta ST was cheaper to inure than a 1.9 diesel vectra 
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Kyle T
Premium Member
Registered: 11th Sep 04
Location: Selby, North Yorkshire
User status: Offline
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quote:
Originally posted by Brett
Have you not lost a potential additional years no claims now tho?
I lost a year NCB doing similar years ago but it didn't make much difference.
Car insurance is in desperate need of some regulation, it's a complete con. There's a circle of "specialists" when it comes to insuring the Impreza, they're never cheaper than compare the meerkat for a standard car but they really pull ahead when you start modifying (adding 80bhp to my car cost me no extra...).
That said, they're all con artists - when I phone round them all at renewal time, none of them will quote me unless I tell them what my renewal is at the current insurer. Current insurer always drops the cost by £10 or whatever, so the competitors undercut by £15, etc.
Last year, I stood my ground and told them I wanted their best price regardless of my renewal - so kept it to myself. 3 of them refused to quote me, but Greenlight came in £300 cheaper on a £700 renewal Had I told them my renewal, their quote would have been £685. Total bollocks.
Lotus Elise 111R
Impreza WRX STi
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antnee
Member
Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
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quote:
Originally posted by tom130691
my fiesta ST was cheaper to inure than a 1.9 diesel vectra
How much are you paying? The missus is paying about £300 with both of us on the policy.
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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As soon as someone mentions insurance we just get a thread full of people proudly declaring how much they pay for it.
WERIDOS, its just insurance...No need to be proud, its no achievement.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by 3CorsaMeal
As soon as someone mentions insurance we just get a thread full of people proudly declaring how much they pay for it.
WERIDOS, its just insurance...No need to be proud, its no achievement.
living in a good area where insurance is cheaper means you are more successful than someone who struggles to live in a council estate, and has to pay a fortune for a rubbish car. so yes, it actually is an achievement, and something to be proud of
i do apologise to you as i realise you are a named driver on your mum and dads policy, so perhaps you dont understand the cost of real life 
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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Says the tyre delivery man
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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Having a nightmare with Adrian Flux at the moment...
Huge cancellation charges.
Money grabbing bastards.
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gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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quote:
Originally posted by Jambo
Having a nightmare with Adrian Flux at the moment...
Huge cancellation charges.
Money grabbing bastards.
I had a policy on my bike with flux, they wanted more than double my policy cost to end it, just told them to get fucked and let it run.
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Marc
Member
Registered: 11th Aug 02
Location: York
User status: Offline
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Widely considered Adrian Flux are shit then!
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