Pro - Does anyone else's nest boxes get soaked in rain?

[soapdragon]

Its that time of year again!!! Back to Compare the Meercat as the renewal quote comes in more expensive than last year as I was on an introductory offer This happens every year, so every year its onto the website to trawl through what others are offering.

 

I am a 50 year old insuring my 02 Skoda Fabia with 49 yr old hubs as named driver. Neither of us had any 'previous' and both have masses of years no claims. I have self limited mileage to 7 500 (actually, it will be less than 5 000 average over the last two years but I like a bit of leeway!!) We are in a small village and car is kept in an unlocked garage overnight so pretty secure. Not used for commuting or racing either

 

Having input all relevant details quotes range from £147 to just over £1 000 - how on earth does that work!!!!????? Looking at the upper end of the quotes I am speechless!!! Also the five most expensive quotes require me to have one of those black box things fitted to make sure that I don't drive like The Stig. Presumably, if I did, they would charge me even more

[chickencam]

No value in loyalty in the insurance market now. We have done ok in the past few years because we have three cars and only two of us insured similar ages to you and prices have been good with Admiral Multicar. We have had two older children insured in the past but when they are away at uni it is not worth it. We will add them back this year when they are back for the summer.

 

The only way to go with most Insurance and the same with car recovery is to look on the comparison sites for best value. We tend to move from AA to RAC most years too. Why we can't get value for loyalty I have no idea

[The Dogmother]

I use a broker, and they manage to ge me very low quotes every time. They are not far from here too, so a local supplier. PM me if you want the details, Soapy.

[soapdragon]

Thanks DM! I was with a broker this last year and they re quoted at 169 whereas RAC have offered 157! I think that they added around 20 as a broker fee to the premium

[The Dogmother]

I moved from the RAC after a few years, this broker saved me £200/year!

[soapdragon]

Its like a lottery, isn't it? Still can't work out why one company wanted to charge over £1 000...doubt the car is worth that and I've just filled up with fuel!!

[dancing cloud]

It really is a lottery!

 

I use the comparison sites and then have a quick look at Direct Line and Aviva. Currently with Aviva, but I do have a check every year as quotes change so much. Same with house insurance - I managed to save my dad nearly £400 the first time I sorted out the house insurance

[percy049]

My car insurance is £750 a year

[soapdragon]

Good Heavens....what do you drive?

[Olly]

I'm guessing that's age-related?

 

If you have the time it's worth going to MoneySavingExpert.com and following their guidelines on which comparison sites to use, and the insurers that are not covered by those sites. It's definitely always worth ringing your current insurer and asking if they can match the quote you've got.

[Blackrocksrock]

Have you tried NFU for a quote - I used to use a broker but discovered they were more expensive than without and with NFU I also have breakdown cover included and it was much cheaper - I am well under £200 a year for our car.

[Purplemaniacs]

I'm guessing that's age-related?

Insurance for youngsters is real silly money.

 

Chrissie

[gavclojak]

I had a 2007 Saab 93 convertible and my insurance with full no claims was just over £600....I have just brought an E class Mercedes convertible and my insurance is £358 I don't get it

[The Dogmother]

I think that a lot of it is to do with the nickability of the car. In other words, if a boy racer fancies the look of it, then the premium is higher.

[Lydia]

It's worth checking your current insurer online but as a new customer as 9 times out of 10, the quote will be cheaper than for an existing customer. Then, if you do find it's cheaper, call your insurer and ask them to match it. If they will, it saves you the paperwork and if they don't, you simply sign up as a new customer and cancel your existing quote.

 

I do this every year. It's also worth calling an insurer to check what's included. For example, both hubby and I have a car so neither of us really need a courtesy car included. We also have breakdown covered elsewhere and so,e of the legal stuff is already covered in house insurance, etc. Taking out the bits you don't need can save quite a bit.

[percy049]

Good Heavens....what do you drive?

 

09 Ford Fiesta 1.4L with low mileage

 

I've looked on price comparison websites and the cheapest quotes are all around that price

[soapdragon]

Erk! You must be considerably younger than me then! Still, I suppose its a trade off....you still have your short term memory whilst I .......ummmmm, sorry no idea where I was going with that

[percy049]

Just did my car insurance and it was £880 annual