DSK Posted January 18, 2010 Share Posted January 18, 2010 Sorry to start ANOTHER insurance thread. However, I just thought I'd inform fellow members about this experience so several hours this afternoon....... Firstly, I am not one for changing to a different insurer every year... I like to find a decent one and stick with them even if they are not the cheapest, I don't mind an exra 20-£50 here and there. My renewal is up in a few days, currently with Tesco, who have served me well and offer respectable cover. I am 30, 9 yrs NCB, SP30 / 3 points. Tesco renewal = £766 (tpf&t) or £980 (f/c). After a lengthy phone call asking them to just do the right thing and give a better price, they offered £680 (tpf&t) and £820 (f/c) respectively for being a loyal customer Tried gocompare.com and only admiral came up cheaper at £561 (fully comp). Got out the yellow pages and car magazines such as EVO, phoned several companies only to get quotes in excess of my exisiting renewal ... ah well, thats life. Phoned Admiral, dsicussed the Gocompare quote and they confirmed all was correct. So I set about giving them a hard time, nit picking the policy and couldn't fault it. Lower excess, full european cover, uninsured driver protection, NCB protection etc all included in £561...... I then tried their multi-car and that, for me, works out well and its actually very easy to put in place at any time and insuring 2 of my cars with them is cheaper than me paying for 2 separate policies as I am currently doing. Doing this brings my Supra down to £398! So after another several years I am now moving to another insurer, it pays to shop around the old fashioned way, use the net as a guide and always deal direct on the phone at the final stage. Quote Link to comment Share on other sites More sharing options...
Gaz6002 Posted January 18, 2010 Share Posted January 18, 2010 Was that with all mods declared, and agree value? Nice numbers mate Quote Link to comment Share on other sites More sharing options...
Ricky49 Posted January 18, 2010 Share Posted January 18, 2010 Nice one mate. I tried this with Admiral but it still worked out more than my two seperate policies I had already. Quote Link to comment Share on other sites More sharing options...
Lee_e Posted January 18, 2010 Share Posted January 18, 2010 Nice to know this info, my bro was with admiral and he got pretty F***ed over by them and cost him 6 points on his license but apart from that they are very good price wise. im with adrian flux and cant really say anything because i havent had a crash ( touches wood) Quote Link to comment Share on other sites More sharing options...
stevie_b Posted January 18, 2010 Share Posted January 18, 2010 The big insurers never reward loyalty (applies to home and car insurance). They reward new customers, and hope they are subsequently too relaxed/lazy to switch insurers. Once I was insured with Direct Line for home insurance. I'd always been happy with them, never claimed against the policy etc etc, but one year their renewal premium was ridiculous. To cut a long story short, I cancelled the policy and re-applied. Hey presto, their quote had less than halved. I have no doubt the other Big Boys work in a similar way. Quote Link to comment Share on other sites More sharing options...
DSK Posted January 18, 2010 Author Share Posted January 18, 2010 Thats with everything legitimate and as for the value at this stage its just market value but I have declared the car's value at £10,500. Nice to know that from time to time you have to step away from big insurers and change. Its a shame but if they can't appreciate good custom over time then its a kick up the backside for us to shop around and for them to perhaps loose a few customers this way. Quote Link to comment Share on other sites More sharing options...
Martin J Posted January 18, 2010 Share Posted January 18, 2010 How did you get on with the mods with Admiral? I remember when I was insuring mine, they would only cover the first 5 like-for-like then after that it was standard parts only. Quote Link to comment Share on other sites More sharing options...
DSK Posted January 18, 2010 Author Share Posted January 18, 2010 How did you get on with the mods with Admiral? I remember when I was insuring mine, they would only cover the first 5 like-for-like then after that it was standard parts only. I declared, the exhaust, BPU & wheels. They calculated this in the price. Quote Link to comment Share on other sites More sharing options...
TopgunTT Posted January 18, 2010 Share Posted January 18, 2010 Thats with everything legitimate and as for the value at this stage its just market value but I have declared the car's value at £10,500. Nice to know that from time to time you have to step away from big insurers and change. Its a shame but if they can't appreciate good custom over time then its a kick up the backside for us to shop around and for them to perhaps loose a few customers this way. You say you declared the value of the car, Will you get a copy of what they will pay out if the worse should happen? I have a written statement for agreed value saying exactly what i will get Quote Link to comment Share on other sites More sharing options...
DSK Posted January 18, 2010 Author Share Posted January 18, 2010 You say you declared the value of the car, Will you get a copy of what they will pay out if the worse should happen? I have a written statement for agreed value saying exactly what i will get No, no written statements. I will have to discuss that further. Quote Link to comment Share on other sites More sharing options...
TopgunTT Posted January 18, 2010 Share Posted January 18, 2010 You should always try and get something on paper mate, Especially if you have spent a small fortune on the car which alot of members have. Quote Link to comment Share on other sites More sharing options...
DSK Posted January 18, 2010 Author Share Posted January 18, 2010 I will discuss this matter in a day or so when I pay switch companies and pay for the renewal. Quote Link to comment Share on other sites More sharing options...
Whitesupraboy2 Posted January 18, 2010 Share Posted January 18, 2010 I was with admiral this year £350 for my supra and a seat cordova R reg...couldnt complain! Quote Link to comment Share on other sites More sharing options...
nemo_arta Posted January 18, 2010 Share Posted January 18, 2010 thats a really good price. im 25 5 years no claims mods included, and mine is 690 a year f/c on the supra.. sky insurance and flux.. i called 1 and said the other offered this and that.. they was lowering the price and they said.. cant do it any cheaper.. so i called the other and told them my new quote.. they lowered it.. so i foned the other .. started at 1400 hahaha.. idiots! Quote Link to comment Share on other sites More sharing options...
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