Insurance renewal
- Thread starter QUIKSTER
- Start date
North West Surrey
Just to add - when I approached Chris Knott for the 1st time in Jan 2019 I had the same issue of the NCB being on my daily. All CK wanted was to see evidence that it existed.
Also - I try and choose an insurer that will perform when needed even if they cost a little bit more. As an example a few years ago I had a bump with another car on the A3 at 5:00 on the morning. I was able to call my insurers straight away, was picked up within an hour and was back home approx 30 miles away by 7:30-8:00. Courtesy car delivered same morning. The other poor chap couldn't even phone his insurers till 8:30 ish. Can't remember who the insurer was now but it was one of the big boys and probably only £50-£75 more than the lower ones on the search engines. Not excessive and context was BMW 535D E61, 30,000 mls pa mainly business and commuting. Just a thought.
Also - I try and choose an insurer that will perform when needed even if they cost a little bit more. As an example a few years ago I had a bump with another car on the A3 at 5:00 on the morning. I was able to call my insurers straight away, was picked up within an hour and was back home approx 30 miles away by 7:30-8:00. Courtesy car delivered same morning. The other poor chap couldn't even phone his insurers till 8:30 ish. Can't remember who the insurer was now but it was one of the big boys and probably only £50-£75 more than the lower ones on the search engines. Not excessive and context was BMW 535D E61, 30,000 mls pa mainly business and commuting. Just a thought.
I daily mine and have Admiral multi car to include my wife's Mazda 3. Both with about £4k, both in our early 40s and do about 12k miles per year.
They tried to quote £550, ten minutes on the phone with them and it was down to a more reasonable £380. The split is almost exactly 50/50. Comparison sites were comparable.
I think you job makes quite a difference.
They tried to quote £550, ten minutes on the phone with them and it was down to a more reasonable £380. The split is almost exactly 50/50. Comparison sites were comparable.
I think you job makes quite a difference.
Mines been around £300-330 for last 3 yeaars and about last 5 on a clio 172mk2. Then this year renewal came through at £320 which comparison sites are usually withing a couple of quid. So tried comparison site this year £214, With work I now have to goto another office only 8miles and a few times a year but decided to add 1k business miles to the comparison this then came to £217.
So armed with this i called up Esure, and gave them the quote number for the comparison quote as the cheapest was Esure. They put that in system and said theres a couple of discrepancies, does my car have after market alloys (no there factory 108s), and did i fit the sat nav (no was a specified option), I also advised about the 1k business miles and was told they cant add a thosand its 12k mile (business and social) me thinking this would bump the price up, but actually reduced it. oh then my online quiote had a excess of £500, and current policy was £250, So i changed it on comparison site to £250, which online then showed up as £240. The lady on the phone came back and said when she changed that the quote came to £214.86 but she would try to add discounts to get current policy to that rather than cancel it and start a new one, She got it to £214.95 and appolgised she couldnt get it any closer lol.
I cant really grumple at that, as cars parked on street, its 3.0si coupe
So armed with this i called up Esure, and gave them the quote number for the comparison quote as the cheapest was Esure. They put that in system and said theres a couple of discrepancies, does my car have after market alloys (no there factory 108s), and did i fit the sat nav (no was a specified option), I also advised about the 1k business miles and was told they cant add a thosand its 12k mile (business and social) me thinking this would bump the price up, but actually reduced it. oh then my online quiote had a excess of £500, and current policy was £250, So i changed it on comparison site to £250, which online then showed up as £240. The lady on the phone came back and said when she changed that the quote came to £214.86 but she would try to add discounts to get current policy to that rather than cancel it and start a new one, She got it to £214.95 and appolgised she couldnt get it any closer lol.
I cant really grumple at that, as cars parked on street, its 3.0si coupe
The original quote for us was £424 for the two cars,I got it knock down to £362. Her car is fiesta zetet 2018.enuff_zed said:weegeoff said:If your car is an 07 you may as well go third party. You only need a little shunt and they will write it off.You can then try to fix it yourself.
I always stick with fully comp purely to cover the expense of a new windscreen. In a lot of cases the premium is not much more.
Young apprentice at work just passed his test. To insure his 1.25 58-plate Fiesta was cheaper Fully Comp than TPFT?! Work that one out?
I posted earlier, I tried Chris Knott and they couldn't get close to my premium of around£200. It's not my daily so I don't have any NCB on it. I have up to 5000 miles commuting and SDP I am with ERS their policy also includes breakdown cover, Europe as well! I recommend giving them a try.
Steve
Steve
obewan said:skelters said:obewan said:
To be fair that is the scrap value of the tin roof on that convertible!
I'm £197 for the 3.0 SI Roadster with Esure.
Ouch!
Could understand if it was an E86 :wink:
:exitright:
It's actually really good due to the rarity value of the e85 3.0 SI Sport with a manual gearbox.