Baza wrote: ↑Wed Jul 10, 2019 10:07 pm
Ewazix wrote: ↑Wed Jul 10, 2019 7:56 am
I was with Saga for a couple of years and they did the usual, I'm now with OneQuoteDirect at £105
(Full protected NCB, £200 total excess, 5k miles, SDP, garaged)
That sounds like a very good deal. I assume your ln the same age group as Tinker15 and me and its fully comp.
I'm 'mature', but a bit short of three score and ten
Yes fully comp, protected NCB, £200 total excess, 5k miles, SDP, garaged, no modifications, low risk area and low risk p/t occupation.
My first Z4 policy in 2010 was nearly £400, by 2013 I got it down to £138 with a £50 reward voucher so £88 for the year but haven't managed to quite match that since.
I've got four cars in the household and find these tips accrued over decades of miserly penny pinching can really get the price down,
1 -
If you don't bother with the rest this is the biggie - Check prices about three weeks in advance on several comparison sites, I've noticed that they will ramp up prices the nearer you get to the renewal date, so if you find a stonking offer grab it.
2 - Play around with the excess, some insurers actually charge no more, or sometimes even LESS for a lower excess, no idea why but I've seen it time and again.
3 - Play around with alternative employment descriptions, there are often several that fit (without lying of course) and some are seen as lower risk.
4 - If like many of us it's 50/50 whether your car is habitually garaged or on the drive etc try different permutations, bearing in mind that garaged isn't always cheapest (apparently a lot of claims involve garage doorposts and things falling on the car!)
5 - Adding a mature driver (between say 40 and 60 years old) with a clean record can bring down the price even for older drivers
- contrary to a daft comment made on here a while ago they wouldn't HAVE to drive the car regularly or even at all, the only problem comes when you misrepresent who the main driver is.
6 - Play around with mileage requirements, sometimes upping it makes no difference
7 - Don't bother declaring over-optimistic valuations for the car (unless it's an agreed value classic policy of course) they will only pay out a negotiated market valuation anyway.
8 - Think hard about all the add-on's they offer, are you realistically going to need extra cover for this and that? most times payout is argued and subject to excesses and limits even if you ever needed to claim.
9 - Don't even think about third party only, some companies don't offer it or weirdly charge more, again work that one out
10 - Do you need 'commuting' or 'business use' cover? My price has gone up for it with some companies, but not with others so it's worth playing around with those search boxes again.
11 - look out for cash back offers, some are a lot of faffing about for a few quid, but as mentioned before I've had up to £50 squid back before.
No excuse for the three score and ten's not doing the search work, you have plenty of time on your hands, happy Scroog'ing
