Member Since: 21 Oct 2016
Location: kent
Posts: 14117
Insurance renewals
Was wondering if many had there renewal yet and if they’ve increased by much plse
Mines due in the next few weeks and holding my breath with baited breath it hasn’t gone up
Saw the tale end on the news where some insurance company got fined for overcharging , can’t find the article as of yet
6th Oct 2019 11:21 pm
Someone-Gone
Member Since: 21 Dec 2015
Location: Gone
Posts: 5117
Renewed 6 weeks ago, changed companies from the AA to Direct Line. I am paying about £20 more than last year. I am £310 protected comprehensive for the D5, £100 compulsory excess, no voluntary excess.
Every year is the same, I do four price comparison checks with Money Supermarket, Compare the Market etc. plus ones not listed like Direct Line, Aviva, then I take into account like for like and what cash I get back via a cash back site and make the purchase.
Very rarely do I renew with the same company unless they are cheaper than the rest. For some strange reason Privilege are for SWMBOs car.
It’s annoying, but as you say, they tend to sting you second year round.
7th Oct 2019 4:24 am
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
I have Admiral Multi cover, Disco, SWMBOs A1, 21 yr old Vx Adam and house. Last year we paid £1645, renewal came in at £2400
A fairly lengthy phone call got it down to about £1700 but I could get Disco £75 cheaper from confused. Another phone call saying Im taking disco away and its down to £1590.
Its a right pain having to phone every year, and its the same with the AA prices, but some time on the phone is well worth the effort.Joined the BMWX5 45e group
1994 Defender 90
2015 RRS Corris Grey/Black roof
2016 D4 Graphite Santorini Black
2012 D4 XS Orkney Grey
2005 D3 S Maya Gold
Convoy for Heroes 2011
7th Oct 2019 5:51 am
gstuart
Member Since: 21 Oct 2016
Location: kent
Posts: 14117
Many thks , it will be my 3rd year with the D3, was with flux and there first year quote on the D3 came in at £1500 fully comp
Then rang A plan, they came in a grand cheaper , was shocked there was so much difference , was with flux for 6 x years when I had my freelander and alas loyalty doesn’t seem to count for anything anymore
But must admit A plan have been very good , always dread the renewal dropping on the mat every year , which should be in the next few days
Have 8 x years ncb now as I always useto drive company vans so that didn’t count
Current is with A plan , £450 protected fully comp , full breakdown cover , 25% write off value, inc legal
Dave T , wow that’s some saving and indeed a royal pain having to phone around
Dundonian, that’s a good idea ref doing comparison and indeed can get a base line for that year
Thks again
7th Oct 2019 7:06 am
Someone-Gone
Member Since: 21 Dec 2015
Location: Gone
Posts: 5117
Here’s the official Martin Lewis web site link on Insurance. Might help you.
Member Since: 21 Oct 2016
Location: kent
Posts: 14117
Bless u, will check that out
Thks again
7th Oct 2019 10:21 am
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
A lot will depend on the mods you have and if you want specific off road cover, if the answer is lots/yes then you will need more specialised companies, if no then go mainstream.
I find Heritage best for my circumstances for my defender, heavily nodded and off road useJoined the BMWX5 45e group
1994 Defender 90
2015 RRS Corris Grey/Black roof
2016 D4 Graphite Santorini Black
2012 D4 XS Orkney Grey
2005 D3 S Maya Gold
Convoy for Heroes 2011
7th Oct 2019 10:29 am
gstuart
Member Since: 21 Oct 2016
Location: kent
Posts: 14117
Hiya
Have kept it pretty basic , has the usual greenlaning cover as Thats normally a public road anyway
Don’t go on any pay and play or off roading events
Appreciate the heads up, thk u
7th Oct 2019 10:35 am
robpenrose
Member Since: 12 Jan 2016
Location: Surrey / SW London
Posts: 2138
Its funny, A Plan always seem really expensive for me.
I've been with Adrian Flux the last few years who have been good. About £400 for the year with all mods covered, business use etc.
Ive not had to claim apart from a windscreen and they were very good in getting it sorted quickly.
Current: D4 HSE
Previous: BMW Z4M Coupe
Previous: Land Rover Defender 90 CSW Td5
Previous: Land Rover Discovery Td5 ES
7th Oct 2019 11:51 am
JayLC
Member Since: 23 Oct 2018
Location: Oxfordshire
Posts: 37
Just renewed and walked away from Admiral after 7 years. Amazed that when I transferred from my 5.0 XFR to my D4 it was more expensive, but as I was part way through the year a paid the difference. When the new renewal came through it had got up another £140 to £694. Used a well known search engine and got it down to £392 fully comp with the same benefits ie legal and excesses.. I’m a safe driver with a clean license and 17 years NCB. Admiral were one of the most expensive for me and I don’t get why.
7th Oct 2019 8:25 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
don't forget there is 12% insurance premium tax on all this...the higher the fee the higher the tax..robbin blighters
7th Oct 2019 10:05 pm
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
If they don't take tax there it will be somewhere else......perhaps somewhere you don't have a choice (you choose how much insurance you are paying by choice of car, drivers, company etc), so why moan about it?Joined the BMWX5 45e group
1994 Defender 90
2015 RRS Corris Grey/Black roof
2016 D4 Graphite Santorini Black
2012 D4 XS Orkney Grey
2005 D3 S Maya Gold
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