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Car Insurance [Oct. 3rd, 2004|05:57 pm]
It's that time of year again when I have to renew both my car insurance and breakdown cover, which is never pleasing time for the bank balance...

My previous insurers (Direct Line) offered what looked like quite a nice rate, but it was a little higher than I'd hoped. So, I browsed a few websites I could think of, a few google suggested, and the ones that Dom and Ganesh use.

The supermarkets clocked in at about 300 quid more than Direct Line, which was quite a shock. Many of the others were about that price. Ganesh's favored were 400 more, while Dom's were a mere 350 more... Some sites even came in at twice the quote from Direct Line! Oh, and the aggregate searching services didn't seem very good, most likely related to the "type the letters from the box" parts that appeared on many sites.

In the end I found Norwich Union the cheapest, by about 15 quid. What shocked me was the massive range of prices. It seems you can save some headline figures, but only if you're with someone shocking and you can be bothered to search (I think I spent nearly 90 minutes looking this afternoon).

For the breakdown cover, the renewal price from Direct Line was a rip off. RAC and AA differed by 40 quid on the same cover options, both being less than Direct Line... Norwich Union again won out, for only about 70 quid.

I suppose I should be grateful that I did manage to save money, but it's pesky that I had to search so many places to do so. I wonder how many other people don't search around, and end up paying much more than they need to?

[User Picture]From: brrm
2004-10-03 06:05 pm (UTC)
I used Confused.com to get the quote for my Alfa Romeo. They appear to use actual humans to search companies for you - the search takes a day or two, anyway. But they got me a quote that was significantly less than I'd found hunting on my own - from Bell Direct. I was sorry to switch from Endsleigh, as their service had been good, and there were advantages to having their office on the High St. But at 300 quid more than Bell Direct's quote, it just wasn't worth it.

(Reply) (Thread)
From: gagravarr
2004-10-03 06:42 pm (UTC)
Oh, they sound worth remembering for next year

Currently, I'm trapped in the under 25 bracket, which seems to do nasty things to premiums, and cuts down on those who'll offer to insure me :(
(Reply) (Parent) (Thread)
From: hsenag
2004-10-03 09:25 pm (UTC)
Errm, confused.com gave me quotes in 10-15 minutes; as far as I know there weren't any humans involved. You want to be careful about giving them your phone number, though; you'll get lots of insurers hassling you if you do.
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[User Picture]From: brrm
2004-10-03 10:03 pm (UTC)
I haven't had any hassling me - perhaps to do with me being on the TPS.
I have, however, had various spams to the spamtrap address I gave to quoteline direct (though I think I forgot to tick the don't spam me box on their form - or rather, ISTR it unticked itself when I went back to fix something).

As for confused.com, fair enough - though it did get me a significantly lower quote than manual means had been getting :-)
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From: hsenag
2004-10-03 10:18 pm (UTC)
I'm fairly sure my mobile is on the TPS too, but they don't have to care about that since you creating a relationship by asking for a quote. confused.com were responsible for me finding Admiral who saved me £200 or so compared to the rest, so they're definitely worth looking at.
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From: hsenag
2004-10-03 09:27 pm (UTC)
Tesco do quite cheap breakdown cover (provided by Green Flag, the same as Direct Line) - £79 for the highest level of service.
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