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blue_manc
Member Since: 16 Mar 2009
Location: Deepest Darkest Lancashire
Posts: 551
  
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| NFU renewal up even with "loyalty discount" |
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Renewal is due in a couple of weeks - letter through stating that I now qualified for an additional 12% discount on a nice shiny yellow thick paper - which drops my price by £96.25 from what it would have been.....
.......in which case how the heck has my premium jumped up by over £80 then??? Up to £741.13.
Is it not me or do I have ANOTHER years NCD, one of my prior claims is beyond 5 years now so should not be counted for, and the value of my car at risk will be lower - so why the hike?
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 23rd Mar 2010 11:54 pm |
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NoDo$h
Member Since: 02 May 2006
Location: Finding new and exciting ways to milk badgers.
Posts: 19689
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NFU have gained massive market share in recent years, but in doing so have become exposed to a greater number of accidents, more than a pro-rata increase on their old agrucultural book. This has a lot to do with higher mileage drivers cottoning on the to service they offer.
Off the back of that, risk rating has increased. There's also the small matter of increased uninsured loss claims across the industry, which tend to get passed on to 2nd and 3rd year onward renewal customers (new customer rates being ringfenced against these losses to make the company look more attractive). Inertia plays a big part in peoples' finances, so ALL insurers use this approach.
You will get cheaper elsewhere, but I keep insuring with them because I can walk in to the office in Dorchester, have a pleasant chat with Charlie over the counter and sort out any issues I might have. Try that with "quote me happy"......
Worth getting a few comparison quotes and a) comparing cover b) negotiating with NFU. I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
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| 24th Mar 2010 12:21 am |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50944
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LRI renewal down £75 by contrast  21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
Last edited by DG on 24th Mar 2010 12:21 pm. Edited 1 time in total
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| 24th Mar 2010 12:26 am |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
 
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NoDo$h wrote:You will get cheaper elsewhere, but I keep insuring with them because I can walk in to the office in Dorchester, have a pleasant chat with Charlie over the counter and sort out any issues I might have. Try that with "quote me happy"......
Worth getting a few comparison quotes and a) comparing cover b) negotiating with NFU.
Negotiate. And yes, as Al says. You get to deal with actual humans and no multi option phone systems.
They are slightly more expensive maybe, but treat you like a person not an account number 
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| 24th Mar 2010 12:27 am |
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Gareth
Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26705
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Get a comparable quote elsewhere, and as said, negotiate. I did, and ended up with a £200 discount, and staying with NFU.
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| 24th Mar 2010 12:42 am |
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Bill Wright
Member Since: 03 Nov 2007
Location: Glorious Devon
Posts: 3254
 
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Gareth - do any of the comparable ones give 2 years new replacement cover (Gap Insurance) on vehicles up to two years old? If so could you point me in their direction please as that's where NFU are saying the difference is in my renewal.
Bill Wright Never take life too seriously. Nobody gets out alive anyway.
D4 SDV6 SE Tech Kaikoura Stone MY15.
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| 24th Mar 2010 7:09 am |
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blue meanie
D3 Decade
Member Since: 04 Aug 2005
Location: Newbury
Posts: 6861
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after a bit of friendly discussion when the renewal came through, mine ended up being about £30 more with NFU this time, so near enough for me. and theeeeennn......???
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| 24th Mar 2010 10:03 am |
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blue_manc
Member Since: 16 Mar 2009
Location: Deepest Darkest Lancashire
Posts: 551
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After a call this morning - the nice young lady in Ramsbottom (STOP SNIGGERING AT THE BACK) dropped the premium from an £80 increase to a £20 reduction.
One call - £100 saved.
Paid and happy.
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| 24th Mar 2010 3:17 pm |
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jum649
Member Since: 21 Feb 2010
Location: Herefordshire
Posts: 331
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Over £700??
I've just had my renewal from direct line come thru' at £283.50. I know I've got a multicar discount, but........
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| 24th Mar 2010 4:28 pm |
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blue_manc
Member Since: 16 Mar 2009
Location: Deepest Darkest Lancashire
Posts: 551
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Blummin heck - one claim in last 5 years (4 years ago) and no points..... most insurers offer me around £1,000-£1,200..... Ahhhh the perils of being young eh!
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| 24th Mar 2010 6:22 pm |
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jum649
Member Since: 21 Feb 2010
Location: Herefordshire
Posts: 331
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yeah - you don't need to rub it in! 
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| 24th Mar 2010 7:56 pm |
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gtrhaggart
Member Since: 15 Nov 2009
Location: cambs
Posts: 87
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Tried nfu. quoted me over £600 for each car. admiral multicar £615 for both my d3 and wifes x-type.
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| 24th Mar 2010 9:40 pm |
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