steve_b_wales Posted December 17, 2016 Report Share Posted December 17, 2016 I took out a new policy that starts on 1/1/17. I added my wife as a named driver, and got the price at £235:00, which I was happy with, as my insurer at present quoted my £317. But, I mistakenly stated that my wife had no claims on her own insurance, but realised this morning that she made a claim back in July, after someone hit her car while parked up overnight. Her insurance paid £1200 for the repairs. After informing the insurance company about this claim, the price shot up by another £144:00 (£379:00 total) I told them that I wasn't going to proceed with the policy at that price. I asked them what would be the cost if my wife was taken off as a named driver, and the price went up by another £35:00. The insurance agent stated that I had a discount (£35:00) by adding another named driver. I said that I would have thought that as there would be two people allowed to drive to my vehicle, there would be twice the chance of an accident The agent said that 'It doesn't work that way'. In fairness, the agent suggested that I re-check the comparison website, and would cancel my policy/refund me, with no admin' charges. As my new policy has not come into force yet, I re-checked the comparison website to see if I could get a better quote elsewhere. First I added my wife, with her previous claim, and the price went up to £313:00 (with the same company) and then with just myself driving the vehicle. The cheapest quote was £284, so I decided to take her name off my policy,and pay the £270. Quote Link to comment Share on other sites More sharing options...
TaxiDriver Posted December 17, 2016 Report Share Posted December 17, 2016 (edited) Well, Going by your recent "My Wife" thread, She would seem to be a liability Edited December 17, 2016 by TaxiDriver Quote Link to comment Share on other sites More sharing options...
steve_b_wales Posted December 17, 2016 Author Report Share Posted December 17, 2016 Well, Going by your recent "My Wife" thread, She would seem to be a liability lol lol I only mentioned the 'claim'. Quote Link to comment Share on other sites More sharing options...
VicW Posted December 17, 2016 Report Share Posted December 17, 2016 I have always done better with insurance renewals by going straight to a company website to get a quote. The cheapest companies quoted on comparison websites tend to be outfits you have never heard of and who I wouldn't deal with anyway. If you have had a renewal quote from your current company go onto their website as new business and you will nearly always get a lower, like for like, quote. Then phone your current company and point out the discrepancy and you will often be offered renewal at the new business quote. Vic. Quote Link to comment Share on other sites More sharing options...
steve_b_wales Posted December 17, 2016 Author Report Share Posted December 17, 2016 I have always done better with insurance renewals by going straight to a company website to get a quote. The cheapest companies quoted on comparison websites tend to be outfits you have never heard of and who I wouldn't deal with anyway. If you have had a renewal quote from your current company go onto their website as new business and you will nearly always get a lower, like for like, quote. Then phone your current company and point out the discrepancy and you will often be offered renewal at the new business quote. Vic. I did this when I first got the quote. The price quoted was very little difference between the renewal quote I received in the post. After using a comparison website, I found a good quote from a reputable, well known insurance company, who, even when they added the extra £35, still worked out cheaper that the company I'm with at the moment. What gets me, is that for no fault of her own (the car was parked up overnight) my wife's car was damaged, which has increased her premium, despite having protected no claims, and mine has also gone up because if I name her as an added driver, there's a premium added to my quoted price, and not including her has also cost me more.. Quote Link to comment Share on other sites More sharing options...
SimpleSimon Posted December 17, 2016 Report Share Posted December 17, 2016 Insurers just take the proverbial because some people are daft enough to fall for it. The wife and I have a multi car policy which covers us both for both cars. The renewal coincided conveniently with us moving house (admittedly to an area slightly rougher around the edges) and I'd also had 3 points, so I was expecting the price to go up. it did, by almost £600. I just said that wasn't good enough and that I'd insure elsewhere, and magically they were able to give us combined discounts of almost £500. Obviously this "discount" was the real price, but if I'd been happy to pay the rest they'd certainly have been happy to rip me off! Quote Link to comment Share on other sites More sharing options...
steve_b_wales Posted December 19, 2016 Author Report Share Posted December 19, 2016 Insurers just take the proverbial because some people are daft enough to fall for it. The wife and I have a multi car policy which covers us both for both cars. The renewal coincided conveniently with us moving house (admittedly to an area slightly rougher around the edges) and I'd also had 3 points, so I was expecting the price to go up. it did, by almost £600. I just said that wasn't good enough and that I'd insure elsewhere, and magically they were able to give us combined discounts of almost £500. Obviously this "discount" was the real price, but if I'd been happy to pay the rest they'd certainly have been happy to rip me off! I agree. Companies always quote a higher price, hoping that the person will accept it. Last year, when I had a renewal quote through the post, I checked online for the best price, and then contacted my insurance company. They matched the online quote, but this year, would not. My new insurance company (from 1/1/17) is offering more 'extras' including up to £1000 to replace my vehicle keys if they are lost/stolen, and for reprogramming my vehicle. Quote Link to comment Share on other sites More sharing options...
andrewluke Posted December 19, 2016 Report Share Posted December 19, 2016 try this site for a quote https://www.aspokesmansaid.com/ Quote Link to comment Share on other sites More sharing options...
Lord O War Posted December 22, 2016 Report Share Posted December 22, 2016 The protected no claims is a bit of a con in my opinion. If you have a claim then yes your no claims bonus is not going to change but they will ramp up the cost of the base policy and you still have to declare to your new insurers if you move. Quote Link to comment Share on other sites More sharing options...
steve_b_wales Posted December 23, 2016 Author Report Share Posted December 23, 2016 try this site for a quote https://www.aspokesmansaid.com/ Cheers Andrew. I've checked this site out, and have actually made a complaint about a different issue, which I mentioned on here a few weeks back. Quote Link to comment Share on other sites More sharing options...
snow white Posted December 23, 2016 Report Share Posted December 23, 2016 Dont check there web site phone them direct you get a better discount than talking to a computer.I all ways phone them its surrpising how much discount you get. Quote Link to comment Share on other sites More sharing options...
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