car insurance?

[TheMatrix]

I was not aware they did that Skippy.

What I did was put down a dummy phone number on the sites. Then apply directly to the cheapest one, LV, after seeing their quote.

Although it had gone up, I managed to save £200 on what my old insurance company were then quoting last time round.

I'm not looking forward to the next quote, my dad had a prang which was his fault, luckily he's ok and we're fully comp.

[Skippy]

There was something in the press about it recently.

I've used a dummy phone number since I had several run ins with Kwik Fit insurance when they wouldn't leave me alone! I've also got a separate Hotmail account for if I do use the comparison sites so I don't get everything coming into my main account.

Glad your Dad was ok x

[CoverItAll]

When Insurers offer monthly premiums themselves they will not normally bother with the expense of a credit check. If you don't pay the premium, they just cancel the cover.

Some Insurers use a premium funder. This involves a separate company advancing the annual prewmium to the Insurer. As this constitutes a loan to you, it involves a credit check. It also does not normally allow you to cancel cover before the next renewal date.

[lancslass]

My insurance premium doubled in May before I got my IVA, I was paying monthly but changed to quarterly. It was hard paying the first payment but now I save enough each month for when its due again. I also stopped all the extras on the policy and have ended up paying alot less. I didnt know some of the extras were there until I queried why the premium was so high. It pays to check exactly what you are paying for and if you dont have to.

[janez]

i am with AA insurance and it has just gone up £24 for the year which obviously works out an extra £2 per month also my homes and contents insurance was due and that had gone up £30 a year (£3.00 a month extra)over 10 months, so very happy with that. house insurance with saga, for the over 50s tho!!!!

[Shining]

I'll be looking for quotes from the over 50's Saga after January. My renewals are due in Feb/March and I'm sure the premiums will have increased.

[kallis3]

I've actually found Saga to be quite expensive compared to the company I usually use.

[Shining]

I'll get a quote and see how it goes. Apparently so I've been told NFU is very good for a quote too according to my boss so I'll be asking them too x

[Skippy]

My mum was with Saga and they were very expensive compared to some others and she ended up going with the Co-op.

I would be very careful about cancelling extras. One year I didn't have a courtesy car in my policy and it ended up costing a fortune as I had an accident and had to pay for a car myself. I always have protected no claims, legal protection and a courtesy car.

[kallis3]

Must admit that a courtesy car is a must for me - I'd be lost without that. Never bothered with legal protection though.

[louiseh]

I do think most insurance companies try it on, you don't change your insrance for a couple of years, they inflate the price beacuse they think you can't be bothered to shop around. You get nothing for customer loyalty these days.

[Skippy]

I haven't found that with the Co-op - I'm in my third year with them and my insurance went up £3 and then £36 which is pretty good compared to other companies I've been with.

Jan, I only pay about £20 a year for legal cover so it's not too bad. People are so quick to sue these days so it's better to be safe than sorry!

[kallis3]

They are Skip, I agree but I've just never bothered with it at all.

[Shining]

To be honest I'm useless and don't know if I've got it or not but I'm guessing it's best to be covered as you never know. x

[Orange78]

What I am finding obscene is the extra now charged to pay by instalments, I don't remember it being this much extra in previous years?