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Annual insurance merry-go-round - again
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astonbuilder
 


Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 7478

England 2012 Discovery 4 3.0 SDV6 XS Auto Santorini BlackDiscovery 4
Annual insurance merry-go-round - again

House and my car insurance up in next couple of weeks.

Get renewal for the house contents and its gone from £306 to £351, so about 15% increase. Quick look on internet comparison sites shows I can get same cover for £310 but I have to ring current insurer to stop the auto-renew process.

Usual 20 questions and I have a little moan when they suggest they can price match about why they don't just give me their best price to start with. So they 'take a look' and all of a sudden its now going to be £287, so fallen in price over last year. That was worth ringing up for Thumbs Up


Same with my private car insurance, renewal comes in at £429 and was £422 'equivalent' last year. I would go with that but think it looks a bit expensive, hard to tell last years equivalent premium as I changed car twice during the period. Another quick online check and I can get it for £275. My son asks if he can pay the additional premium and go on it as well (emergency back-up really as he's gone back to driving 'old bangers') so add him on and premium is now £348.

Ring current insurer to say "don't auto renew" and the same old conversation round robin begins. They can't improve their quote they say and pretty much say they don't believe I've got the quotes I've had.....

Go online to take up the insurance quote I have had, forgot my son had had a second 'non-fault' accident so add that on expecting price to go up a bit and it actually goes down a few pounds Shocked Same again I confirm the renewal date that is a couple of weeks further away than I first thought when I got quotes and.........it goes down again (I know there is an algorithm used that slowly increases prices closer to renewal date you get). Final premium is £332.64. Cover is exactly the same but excess has gone from £150 to £250 and windscreen replacement is now £125 and was £100 before. A 'high street' brand too not one of these places you've never heard of before.

Motorbike insurance 'fun' next to come...... Rolling Eyes
  
Post #21258535th Mar 2020 11:23 am
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mse
 


Member Since: 27 Jun 2005
Location: Shropshire
Posts: 2664

United Kingdom 2015 Discovery 4 3.0 SDV6 Landmark LE Auto Indus SilverDiscovery 4

I just switch when they try this price stuff...no point trying to keep me after you shafted me!

Apparently there is a window prior to renewal to get the absolute best price
 Mike  
Post #21259866th Mar 2020 12:11 am
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ostosix
 


Member Since: 19 Mar 2017
Location: Lincoln
Posts: 282

United Kingdom 2005 Discovery 3 TDV6 SE Auto Tonga GreenDiscovery 3

On money saving expert they said 21 days prior is best time to call up for cheap deal
  
Post #21259916th Mar 2020 4:47 am
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Pelyma
  


Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496

England 

Speak to Brian, BBDisco3. Thumbs Up
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Post #21259996th Mar 2020 7:55 am
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ostosix
 


Member Since: 19 Mar 2017
Location: Lincoln
Posts: 282

United Kingdom 2005 Discovery 3 TDV6 SE Auto Tonga GreenDiscovery 3

Does Brian do insurance with discount etc? Cos i have a renewal coming up myself
  
Post #21260376th Mar 2020 1:04 pm
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stew 46
 


Member Since: 01 Dec 2011
Location: cornwall
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England 2005 Discovery 3 TDV6 SE Manual Siberian SilverDiscovery 3

BBDisco 3 every time Thumbs Up house , car , fleet Thumbs Up
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Post #21260406th Mar 2020 1:25 pm
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Pelyma
  


Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496

England 

ostosix wrote:
Does Brian do insurance with discount etc? Cos i have a renewal coming up myself


He does very good value advice, if that is discounted I’m not sure that matters his prices are good and he tells you what you’re getting for your money. Thumbs Up
 DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S 
 
Post #21260416th Mar 2020 1:35 pm
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astonbuilder
 


Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 7478

England 2012 Discovery 4 3.0 SDV6 XS Auto Santorini BlackDiscovery 4

mse wrote:
I just switch when they try this price stuff...no point trying to keep me after you shafted me!

Apparently there is a window prior to renewal to get the absolute best price


I have historically always done that, and when they offer to "price match" it does my head in; I want your best quote first time and not a price match, too late as I've already found someone else by then!

However I have seen a change last few times to actually attempt to salvage a deal, as per my home insurance this time round, still does my head in but better than previous way of dealing with 'important customers' Rolling Eyes
  
Post #21260446th Mar 2020 2:04 pm
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ostosix
 


Member Since: 19 Mar 2017
Location: Lincoln
Posts: 282

United Kingdom 2005 Discovery 3 TDV6 SE Auto Tonga GreenDiscovery 3

Is it the A-plan chap then?
  
Post #21263457th Mar 2020 10:25 pm
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A-Plan Insurance
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Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 338

United Kingdom 

ostosix wrote:
On money saving expert they said 21 days prior is best time to call up for cheap deal


If quoting online which comparison sites etc then yes the earlier the better - specialist insurers however it won't really effect. So if you're on a modified policy or a specialist 4x4 one then your price is unlikely to change over the 30 days you can quote before the renewal date.

Carlie
 A-Plan Insurance | Specialist Vehicle
Call us on 01635 874646 for a quotation Click Here 
 
Post #212914218th Mar 2020 2:25 pm
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defector
 


Member Since: 23 Feb 2009
Location: Greater Manchester
Posts: 1242

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Zermatt SilverDiscovery 3

Daughters insurance renewal with Admiral arrived about 3 weeks ago, premium increased by 5% even though another years NCB and a year older (wiser???) which was originally through one of the comparison sites.

Tried a few comparison sites which came in a little lower.

One day before her renewal date i tried Admiral site directly and received a quote approx. 15% lower than renewal quote, so i saved it so my daughter could get onto the site and renew the next day as she was working.

Unfortunately due to work commitments she couldn't renew in time so her insurance lapsed so she couldn't drive into work so i dropped her off.
We sat down yesterday and i tried to retrieve the quote but the Admiral system was freezing.

I decided that to circumvent it we should fill in again for another quote for her for that very day.

The quote came in nearly £200 lower than the first quote i had got, which threw me a little as i was wondering what we had put differently or wrongly, so we went through it again in detail but all the details were correct.

Accepted the quote and paid in full.

Saved over 30% even though it was a faff, but worth it.

I think even these algorithims have bad days.
  
Post #220127112th Jan 2021 6:46 am
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A-Plan Insurance
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Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 338

United Kingdom 

Defector - what a result for your daughter!
 A-Plan Insurance | Specialist Vehicle
Call us on 01635 874646 for a quotation Click Here 
 
Post #220129712th Jan 2021 10:02 am
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L319
 


Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2043

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Had exactly the same with house insurance. For what ever reason I forgot the renewal & it lapsed. Rang later and , told it will be a new policy. Went through all the questions & it was a lower premium and better conditions!
  
Post #220129912th Jan 2021 10:03 am
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RogB
 


Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1396

United Kingdom 

when I my LV renewal was due up last March they upped the premium by almost £300 and windscreen excess by almost £100 (I actually needed a new windscreen too)

Went on Meerkats and Admiral came back cheaper than my previous year with LV so I decided to go with them
Then somebody suggested to try the other comparison sites and Go Compare came back with an Admiral quote that was even cheaper than their Meerkats quote, as well as free £250 excess cover. So I switched to Admiral via Go Compare.
LV didn't even really bother to offer much retention discount.

Moral of the story - not only go on comparison sites to compare but also compare the comparison sites
 2011 D4 XS 305 MY12 - gone but not forgotten  
Post #220136012th Jan 2021 1:21 pm
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dgarside
 


Member Since: 17 Jan 2010
Location: Holmfirth
Posts: 732

United Kingdom 2012 Discovery 4 3.0 SDV6 HSE Auto Aintree GreenDiscovery 4

Just trying A-Plan now, just waiting for prices on the phone Smile

Darren.
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Post #220137212th Jan 2021 2:08 pm
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