Yeti Owners Club banner

1 - 20 of 46 Posts

·
Premium Member
Joined
·
3,632 Posts
Discussion Starter #1
Insurance companies puzzle me! We have Home and Contents cover with SAGA. This year's premium renewal was about £18 less than last year - sounds good? No! I went on a comparison site, obtained a quote for the same level of cover which was about £100 less than SAGA. So I 'phoned and spoke to a very pleasant lady and once we'd agreed cover was similar, other than better cover for away from home, she then said without any further ado that the best she could do was to reduce the premium by £58! As I like SAGA (no hold music, a brief introduction and lucid call centre staff) I renewed. In years gone by when I lived 'darn Sarf' and was more stressed and grumpy, I'd have said why wasn't I offered the lower price in the first place and gone off on one, but now I live in't North I let it go. Moral: It pays to ask!
 

·
Administrator
Joined
·
13,405 Posts
I agree, for the last four years I have been with Hastings Direct. Three year ago they sent the renewal letter, I went on to a comparison site and was quotes around £35 less for the same cover from........Hastings direct. I phoned and said I can get identical cover for £35 less, the operative said "that's with us isn't it?" and immediately matched it.
Now I just take out a new policy each year for a lower price as a new customer and get a year or Meerkat movies thrown in.
 

·
Registered
Joined
·
170 Posts
Just altered my Insurance to cover the new car.£30 less for the 2017 Yeti. So a refund, how do you work that out.
So I pay £206 year F/c.
 

·
Premium Member
Joined
·
4,837 Posts
Just been through the same procedure. I've been with Frizzell/LV through the CSMA for years, but this year SAGA came in some £50 cheaper. Rang LV and they could not come down enough and weren't interested in keeping me as a customer, so bye-bye.Had the house insurance with SAGA for a while, so that also meant we didn't have to pay the "arrangement" fee, that I would have argued about anyway.
 

·
Premium Member
Joined
·
4,929 Posts
Oddly I've never found SAGA even get close to competitive for either our cars or house? Perhaps its because I declare younger drivers and "dependents" living in the same house? Otherwise known as the "Three Major Cost Centres". Same with that other outfit who say they specialise in insurance for older age groups - RIAS is it?
Cars are with Admiral (always found them good with learner drivers on the list). House with Direct Line. The latter say they are not found on Meerkats or other comparison sites, because those always take a commission.

For the last 3-4 years now, at renewal time, when the quote comes in, I then go to a small selection of others who history says have always been competitive, including deals offered by banks, etc. Rather than have the comparison sites fill my Inbox with junk offers for the next 3 months.
Then take the best to the current insurer and say "Look chaps - I've been offered like for like from DL for £xx less than you're quoting. What can you do about it? The usually check who the other insurer quoting is, as clearly some are known within the industry be better than others. For the cars, Admiral have every time then come back with a new quote that's within a tenner of (lets say DL). So they keep the business. Saves me the hassle of actually switching.

The Admiral call centre is in South Wales - normally staffed by ladies (and the odd gent) who are not only very knowledgeable, but speak with such lovely South Wales accents they are joy to converse with!Had the same experience on Monday when I phoned up to arrange awindscreen chip repair on the BMW. Said: "I wish there was something else I could ask - just to hear you speaking to me!"

In a former life, I used to visit an office and laboratory site in Llanelli on a regular basis, for staff IT training on the latest bespoke system software upgrades. Absolutely the best people to work with anywhere. Always looked forward to visiting their site. So I guessI'm conditioned to the accent? Also went down well when I turned up one Friday morning, with SWMBO and our eldest in tow, en route to a weekend near Carmarthen. When the "eldest" cost centre was the "only" and but a few months old - and dressed in an outfit identical to the Llanelli Rugby Club strip! The site manager got us complimentary tickets to the next home match!
 

·
Registered
Joined
·
339 Posts
Flintstone said:
Oddly I've never found SAGA even get close to competitive for either our cars or house? Perhaps its because I declare younger drivers and "dependents" living in the same house? Otherwise known as the "Three Major Cost Centres". Same with that other outfit who say they specialise in insurance for older age groups - RIAS is it?
It can't be that as I have no young drivers or "dependants" living with me and I too find SAGAand RIAS not just uncompetitive, but not even close, they are usually at least +£100 on both the car and the House.

So it must be down to where we live?Maybe its an anti Yorkshire thing LOL

Andy

Edited by: Andy831
 

·
Registered
Joined
·
228 Posts
I am resolved to having to change my car insurance company every year.Each renewal is always cheaper than myprevious policy and it seems the trend is to get a new customer with a cheaper price but bump it up in the second year.Quotes always seem great until you add the essentials like legal assistance cover and breakdown then it ain't so great.
This recent development regarding government changes which will cost insurance companies a fortune if implemented,will increase premiums anyway but the quoted £75 per year seems over the top and I think good drivers won't pay anywhere near that.
 

·
Premium Member
Joined
·
2,484 Posts
Why do you have legal assistance?It is the insurance company's job to fight your claim (in their interest) They are on a win win if you cough up for legal. You pay them and then they hand it over to the legal firm and the insurance company basically washes their hands of it.
SWMBO had legal with Lloyds bank car insurance . What an absolute farcical **** up. NEVER, EVER AGAIN DEAL WITH LLOYDS BAK INSURANCE.
She had to deal with 5 different companies, it took nearly a year to get it sorted and the mental stress she went through was almost worse than the physical injuries she sustained and it was't even her fault. She was 'T boned' at a junction by some silly bitch that didn't bother to stop at the halt sign.
 

·
Premium Member
Joined
·
4,837 Posts
I get free legal assistance for motoring matters via my membership of the CSMA/Boundless, so would never pay extra for it.
 

·
Premium Member
Joined
·
3,632 Posts
Discussion Starter #10
I heard great things about NFU Insurance so I obtained a quote. No wonder they're good - it was very expensive!
 

·
Premium Member
Joined
·
2,484 Posts
Llanigraham said:
I get free legal assistance for motoring matters via my membership of the CSMA/Boundless, so would never pay extra for it.
That is good Graham. I just hope if you have prang you don't go through all the grief SWMBO went through. Whether you pay for it or not I wouldn't touch it with a barge pole after her experience.
 

·
Premium Member
Joined
·
4,837 Posts
Jimmy said:
I heard great things about NFU Insurance so I obtained a quote. No wonder they're good - it was very expensive!

Having just heard about the problems with the NFU a friend of my wife has had following a house fire I would not recommend them to anyone!!
 

·
Premium Member
Joined
·
4,837 Posts
Colin Lambert said:
Llanigraham said:
I get free legal assistance for motoring matters via my membership of the CSMA/Boundless, so would never pay extra for it.
That is good Graham. I just hope if you have prang you don't go through all the grief SWMBO went through. Whether you pay for it or not I wouldn't touch it with a barge pole after her experience.

I have used them in the past, Colin, and had no problems.
 

·
Premium Member
Joined
·
2,484 Posts
Well you have been lucky then
Obviously not the stupid 'ambulance chasers' that Lloyds Bank employ.
 

·
Premium Member
Joined
·
2,484 Posts
Having just heard about the problems with the NFU a friend of my wife has had following a house fire I would not recommend them to anyone!!
[/QUOTE]
Probably too busy dancing on people roofs and wading through their kitchen!
 

·
Registered
Joined
·
111 Posts
Had my renewal this morning from LV been with them for about four years ,near £100 up on last year so did a search and the difference was eye watering nearly £900 in one instance, anyway I finished up with RIAS and saved £70. I rang LV to see if they could better the offer it but they weren't interested so they have lost a customer.
Has a matter of interest RIAS didn't show up on compare the market . Com it was a flyer that came through the post anyway insured for another year happy days.
 

·
Registered
Joined
·
308 Posts
Just a few quick notes on Insurance comparison sites, as they've been mentioned above, in case anybody did not know any of this. I'm assuming I may be 'teaching my granny to suck eggs', but just in case.

1. Not all insurers are on comparison sites, Direct Line for one.

2. These sites are not all the same, some have insurers listed who are not on other sites so it's worth checking all sites.

3. As above, not only are some insurers not on each site, but the last time I renewed different sites had different quotes from the same insurer, so it's definitely worth checking all sites.

4. Extras, such as vehicle recovery, hire car cover, personnel injury cover etc are not listed on these sites so it's worth checking what's available for each quote by ringing the company direct and then comparing prices if you require any extras.

5. Even if you get a reasonable quote it's still worth phoning the company directly as if you have a few similarly priced offers they may price match or reduce the price to get your custom.

6. Some sites may offer a price which may seem a bit too good to be true or lower than others which may make you question how good the cover is, and in any case you should always check the insurers reviews, but in some cases insurers such as Elephant, who I am currently with, are a bit lower than some others because they will not insure new drivers.
 

·
Administrator
Joined
·
13,405 Posts
My turn to play silly insurance quotes today.

Last year Hastings Direct.................................£222
last week unsolicited postal quote from Saga...£295
Today renewal notice from Hastings Direct.......£306
Saga on Meerkat...............................................£191
clicked on Saga button, price dropped..............£189

So Saga managed to undercut themselves by £106!!!!!!!!!

And when the above was typed all the prices lined up!!
 

·
Registered
Joined
·
168 Posts
You will pay for it next year. Two years ago I went to Saga for £155. Each year, massive increases but I have always managed to beat them down a fair amount. This year they quoted £220 and wouldn’t drop. I checked elsewhere and couldn’t do much better so stayed. Will have to see next year.

Saga keep pestering me to take their house and contents insurance for £485. I get the same deal elsewhere on an ongoing policy for £215.
 

·
Administrator
Joined
·
13,405 Posts
Next year I will change insurer again if need be, house insurance cost £152 a couple of weeks ago.

So far over six weeks switched gas and electric to Octopus, also swapped the house and both cars insurances. Next month I will see if TalkTalk want to keep a customer they have had since 2003. Now are offering the same speed broadband and free calls for £25 a month. TalkTalk say no price increase for broadband, but they keep sneaking stealth charges in elsewhere so you have to keep checking the "free" items you have included,as they stop being free without any notice or warning.
 
1 - 20 of 46 Posts
Top