Car Insurance

Play around with adding yourself spouse as named drivers, that can bring the quote down too

 

Try a company called ‘by miles’ wife’s with them n there really good

 

Also, weirdly, saying you park it on the road overnight is sometimes much cheaper than saying you park on a drive, depending on the insurer. Don’t know if it’s because people have accidents getting on and off or more likely to be broken into when tucked out of view on a drive.

 

Car insurance is a minefield.

My renewal was due on the day I moved house last year. I informed my insurers of my new address and they put my renewal up £150 because of the area. My Mrs phoned her insurers, let them know our new address, and she got a small refund.

 

Just got wifes quote and Admiral have increased it from last year by 68%.....No reason there's been no claims, mileage has gone down and there's been no modifications or changes..in fact she had another years NCD...been on Meerkat and got same quote as last year with the Movies and Coffee Nero offer thrown in....

 

There is a clever algorithm where if location services is 'on' on your phone, the MS app knows you are close to a garage and potentially on the point of purchase.
Same with hotel apps. Look at home, you get a price. Look on your phone when you are within striking distance of hotel ....... bang ..... they got you.

Or something.

 

I once phoned Halifax bank car insurance to cancel my auto renewal. (Good offer year in date) it was a lot dearer to renew. I'd looked on comparison sites. And fed my details in and Halifax came up just a few quid dearer than the cheapest. When I spoke to em on the phone. I explained my renewal quote was too expensive. I was put through to cancellations. And then put through to renewals to get the price quoted on the comparison site.
But as Helen says Andy. You can put him on as a named driver and he can build up his no claims as my wife did/has. Don't know if that still applies and it still has its pitfalls. Not named as main driver one. And not sure how any accidents would affect it.

 

I was meaning more that @andytyke should put himself as named driver. I'm on my kids policies as named driver and it knocked a couple of hundred off when they first got a car

 

100% Andy. If a fair few of us go to a travelodge for the weekend say. 2 or 3 of us are at the ready to book as many rooms as required normally 9 each max. (Or it goes into group bookings and that doesn't give saver rate.) Book at the same time. As soon as that happens watch the rates rise. Dramatically in some cases. Last time we did it that way (exeter game stayed in paignton) we paid £90 per room for 3 nights. Next day round about £140 if I remember rightly.

 

Hotels often increase prices as demand increases. So when more rooms are booked - and the hotel is fuller - the price for the remaining rooms rises. Same with flights and trains.

 

I never realised this Andy , you can add him as a driver using Marmalade.com it's cheap as chips.
I don't think he will build up ncd though.

 

When my daughter got her first car a few years ago, she went with Direct Line. Started by putting in her basic details and the quote was high. Then she added me as a named driver and it knocked it down. Then added my wife and it went down further. Then added the fact that we had policies with DL for other things at the same address and down it went again. Finally she accepted the offer to reduce it even further if she had a telematics box. She finished up at about half the original figure.

Strange thing was that for the second year, it was cheaper if she took us off the policy, despite no changes to our circumstances.

Insurance is a dark art.

 

It shouldn’t be but I think it would be even cheaper if they used mum’s name rather than dad’s (if mum is around and drives).

 

I just assume anyone who works in the insurance business is a confidence trickster or thief.

 

Prefer to call it legal theft...

 

Daughter passed last week the learner insurance she was with quoted her just short of £7k as soon as she passed phoned Hastings up who i am insured with got her a quote for just over £1k I don’t understand why prices are all over the olace