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Re: Insurance cost
Posted: Tue Aug 13, 2019 5:09 pm
by Dogfuzz
Swinton charged me £224 last year which then upped to £279 last week. Got them to discount to £253 which i accepted. Churchill were offering £218 on comparison site which i considered.
Next year I shall go for the cheapest whatever emerges from this smoke and mirrors guessing game!
Re: Insurance cost
Posted: Tue Aug 13, 2019 6:04 pm
by Strangways
Insurance is a minefield. I had been with Direct Line for 4 years, but they increased the premium so much this year I decided to shop around. There are so many variables (inclusions and exclusions) that it can be difficult to know if you are getting a direct comparison. So basing it on my previous Direct Line cover I tried LV and a comparison website. All the offers from the comparison site were higher than LV and lower than Direct Line. I spoke to Direct Line who reduced their offer (what a cheek) but it was still dearer than LV. The amount I pay is really irrelevant to anybody else because of the variants I have included, but it came to £298 with which I am happy with compared to all other offers for the same cover. I wasn't just looking for the cheapest, I was looking for the best value for money for the cover I wanted.
Re: Insurance cost
Posted: Tue Aug 13, 2019 6:48 pm
by HouseSpider
When I had my renewal back in May LV added over £80. I then declared I was a "member" as I have a financial policy with them and they then reduced it again by about £100. It was then as cheap as the lowest on the comparison sites.
Re: Insurance cost
Posted: Tue Aug 13, 2019 6:58 pm
by Strangways
HouseSpider wrote: ↑Tue Aug 13, 2019 6:48 pm
When I had my renewal back in May LV added over £80. I then declared I was a "member" as I have a financial policy with them and they then reduced it again by about £100. It was then as cheap as the lowest on the comparison sites.
I understand what you are saying, you have to question every offer you get. It really shouldn't be like that. Anyway I got the best deal that met my requirements, which is the important fact.
Re: Insurance cost
Posted: Wed Aug 14, 2019 7:49 am
by DAN@ADRIAN FLUX
Thaxted wrote: ↑Tue Aug 13, 2019 3:51 pm
Hi Dan, thank you for your reply but I've just realised that I made an error.
I had been all set to go with AF but had to pass my test again. When i first contacted company (Charlotte) i explained that i had originally passed my test in 1979 and that the DVA assured me that my license would officially date back to 1979 ( so I've been driving a long time) once I passed my test. "No problem" I was told, "that's fine".
However, when I phoned to activate the insurance the person I spoke to (Sophie) insisted that I be treated as a new driver, I.e. with zero driving experience. That increased the premium by £230! so needless to say I declined and went with a different company.
If you could check this then I would change to AF as the quote was originally more competitive.
Sorry for the confusion - I was really quite annoyed by the change in approach within two days.
Thaxted
Hi again,
If you could provide me with your full name / postcode I can look into this for you.
Regards,
Dan
Re: Insurance cost
Posted: Wed Aug 14, 2019 11:03 am
by fourbanks
my insurance on my new cx3 with Mazda insurance came to £520 and that's with 40 years of NCD nor any points or fines including parking. i guess that's reasonable for a new car?
Re: Insurance cost
Posted: Wed Aug 14, 2019 11:22 am
by Strangways
fourbanks wrote: ↑Wed Aug 14, 2019 11:03 am
my insurance on my new cx3 with Mazda insurance came to £520 and that's with 40 years of NCD nor any points or fines including parking. i guess that's reasonable for a new car?
That is very expensive my £298 was on a brand new car. I found Mazda insurance to be one of the most expensive.
Re: Insurance cost
Posted: Wed Aug 14, 2019 12:14 pm
by steve67
steve67 wrote: ↑Tue Nov 27, 2018 4:50 pm
just had to renew our insurance,
coming from a MAZDA2, i knew it was going to be a testing time trying to get a quote near to what i was paying last year...last year the 2 cost £240.
so with the cx3 being a bigger car etc i was expecting to pay a bit more.....shopping on the comparison sites it was as expected and my renewal premium was near double last years price...
so when i called ARRIVA i was very happy with there price of £138 ...
i'm 35yrs driving , full ncb, me and the mrs to drive 10k miles per yr
i know its a postcode lottery , but what are you chaps paying?
So I should be pleased with what I paid..
My son who is 22 is swapping from a 18 month old 1.0 TSI Ibiza to a new mazda3 se l lux..picks it up in September .. cost him nothing to swap he paid £450 last yr with 4yrs driving experience 3yrs NCB.
Re: Insurance cost
Posted: Thu Aug 15, 2019 9:56 am
by fourbanks
Strangways wrote: ↑Wed Aug 14, 2019 11:22 am
fourbanks wrote: ↑Wed Aug 14, 2019 11:03 am
my insurance on my new cx3 with Mazda insurance came to £520 and that's with 40 years of NCD nor any points or fines including parking. i guess that's reasonable for a new car?
That is very expensive my £298 was on a brand new car. I found Mazda insurance to be one of the most expensive.
thanks for confirming. the only benefits that I can see are that I can choose my repairer and that's about it?
Re: Insurance cost
Posted: Thu Aug 15, 2019 1:11 pm
by jtonline
fourbanks wrote: ↑Thu Aug 15, 2019 9:56 am...the only benefits that I can see are that I can choose my repairer and that's about it?
All UK car insurers have to allow you to use a repairer of your choice rather than just their 'approved' one.
However, that said, they
can charge you fee for doing so. When I took out my policy with LV, there was no excess on claims and no fee for using a non-approved repairer, then on renewal they added a compulsory excess and a fee if using non-approved repairer.