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Thread: Insurance Renewal - a small improvement in process

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    Insurance Renewal - a small improvement in process

    Lo people

    I won't go into the ridiculous nature of Home / Car etc etc always needing to be re compared every single bloody year

    Nor will I go into spitting anger about a renewal letter being £50 more than an online web compare, via Money Super Market for the same insurance company

    You can all get/feel the venom in my words

    But what WAS good was then, having clicked through from Money Super Market to the Insurers website, to cross compare.... and calling them to explain my desire to cry into my own tea cup.. I was shown a "transfer your quote" button (after clicking Save) and within 3 seconds the operator could see me quote, and sorted me with it.

    I know it's a small thing, but Privilege Insurance (and anyone else who does it) deserve a congrats for that. made life MUCH easier !

    Quote Originally Posted by Advice Trinity by Knoxville
    "The second you aren't paying attention to the tool you're using, it will take your fingers from you. It does not know sympathy." |
    "If you don't gaffer it, it will gaffer you" | "Belt and braces"

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    jim
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    Re: Insurance Renewal - a small improvement in process

    Yep, had similar experience when I did mine earlier this year.

    We've got an unusual roof material that was out of scope for every single provider on the online search. But found a cheap comparison quote (based on tiles), called through to the insurer with a 5 character reference number that was given on their website and they amended to cover our scenario at no extra cost. All done in less than 5 minutes.

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    Re: Insurance Renewal - a small improvement in process

    My car insurance was £55 more expensive as a renewal. As a new customer it was £15 cheaper than last years. Needless to say I cancelled and have now become a new member.

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    Re: Insurance Renewal - a small improvement in process

    A few years back I asked my insurance company why they effectively offered me a discount to make their life harder. Their answer was that they'll charge me more for making my life easier, even if it also makes their life easier.
    As such, I just continue to make their life harder now

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    Re: Insurance Renewal - a small improvement in process

    Quote Originally Posted by nekomata View Post
    As such, I just continue to make their life harder now
    Same, having an automatic £50-£100 price hike just because they think I'm lazy and will not bother chasing it up is a recurring insult. They never learn and, in my opinion, deserve the hour-long run around I give them every year. I usually switch to another insurer at the same time.

    Little things that keep me going

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    Re: Insurance Renewal - a small improvement in process

    EVERY year? Cripes, how quickly do your years come around?

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    Re: Insurance Renewal - a small improvement in process

    Quote Originally Posted by wazzickle View Post
    EVERY year? Cripes, how quickly do your years come around?
    At my age, too quickly

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    Re: Insurance Renewal - a small improvement in process

    There was a big rise in Insurance Premium Tax last year, which is why you're seeing more expensive renewals.

    Note that these online comparison sites aren't strictly comparisons sites but just online brokers. They have agreements with insurers to get cover just like any other broker. They are easy to use, but rarely the best. I always use them as a reference point, but I usually land up paying hundreds less by using a bricks and mortar broker (albeit, over the phone).

    Always try a couple of brokers and play them off against each other, they will never give you their best price, even if you say up front that's what you're going to do. It's naff, but the whole industry is.

    Don't forget there are other insurers that refuse to do deals with middlemen and only insure direct to the customer. DirectLine probably be the most famous.

    If you have a performance or specialist car then join a club, they often have discounts with brokers. I get 10% off my insurance due to be a club member, which again, often just works as a good starting point in negotiation. If your car is over 10 years old and you don't do many miles, look at getting insured as a classic car.

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    Re: Insurance Renewal - a small improvement in process

    Quote Originally Posted by Dashers View Post
    There was a big rise in Insurance Premium Tax last year, which is why you're seeing more expensive renewals.
    IPT has nothing to do with this, although there IS another increase in June this year

    I compare all my prices pre tax

    my renewal with the same insurer was cheaper this year after comparing themselves with themselves.

    Quote Originally Posted by Advice Trinity by Knoxville
    "The second you aren't paying attention to the tool you're using, it will take your fingers from you. It does not know sympathy." |
    "If you don't gaffer it, it will gaffer you" | "Belt and braces"

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    Re: Insurance Renewal - a small improvement in process

    Quote Originally Posted by Dashers View Post
    There was a big rise in Insurance Premium Tax last year, which is why you're seeing more expensive renewals.

    Note that these online comparison sites aren't strictly comparisons sites but just online brokers. They have agreements with insurers to get cover just like any other broker. They are easy to use, but rarely the best. I always use them as a reference point, but I usually land up paying hundreds less by using a bricks and mortar broker (albeit, over the phone).

    Always try a couple of brokers and play them off against each other, they will never give you their best price, even if you say up front that's what you're going to do. It's naff, but the whole industry is.

    Don't forget there are other insurers that refuse to do deals with middlemen and only insure direct to the customer. DirectLine probably be the most famous.

    If you have a performance or specialist car then join a club, they often have discounts with brokers. I get 10% off my insurance due to be a club member, which again, often just works as a good starting point in negotiation. If your car is over 10 years old and you don't do many miles, look at getting insured as a classic car.
    So next year I could get good savings on my 07 reg mazda 3, really?

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    Re: Insurance Renewal - a small improvement in process

    I can't imagine an 07 Mazda 3 costs much to insure whoever you go with!

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    Re: Insurance Renewal - a small improvement in process

    I'm slightly offended at the thought of insuring my rover 75 as a classic, but then again...

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    Re: Insurance Renewal - a small improvement in process

    I too find the thought of a Rover being considered a classic offensive, but hey, there is no accounting for taste

    I'm of course, joshing with you.

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    Re: Insurance Renewal - a small improvement in process

    I utterly revoke my opening "improvement " statement

    Today, my OLD premium renewed AND my new cheaper policy kicked in

    When I asked them why it was because I didn't clearly state when buying the new policy that I wanted to cancel the old one
    I have, in effect got the identical policy running twice, at two diff prices.

    Lucky I spotted it today and cancelled within the cooling off period so there's no admin Fee


    this system is broken.

    the company who mends this constant desire to shaft everyone will dominate the insurance industry

    Quote Originally Posted by Advice Trinity by Knoxville
    "The second you aren't paying attention to the tool you're using, it will take your fingers from you. It does not know sympathy." |
    "If you don't gaffer it, it will gaffer you" | "Belt and braces"

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