Talk

Advanced search

Mumsnet has not checked the qualifications of anyone posting here. Free legal advice is available from a Citizen's Advice Bureau, and the Law Society can supply a list of local solicitors.

CHEAPEST CAR INSURANCE?

(14 Posts)
Crystaltipsandalaistar Fri 05-Sep-08 22:00:23

has anyone just renewed a policy lately or found a fantastically cheap quote?

i have two policies to renew, and tried a few quotes online but they take ageeeeeees to do. So has any companies they feel will be cheap to quote - with esure and lloyds at mo. The quotes i've done are not much different. I can go through a site that offers cashback though. tesco more expensive, as I thought.

DoNotAnnoy Fri 05-Sep-08 22:03:01

Some places are very cheap for certain types of driver. Others for other type of driver. There is no "this is hte cheapest insurer".

for e.g. one company can be cheap for young drivers; anotehr for older drivers; another for prestige cars etc.

DoNotAnnoy Fri 05-Sep-08 22:07:18

How old are you and what type of car do you drive. I am on "Which" now and can tell you who they recommend.

Lilyloo Fri 05-Sep-08 22:09:23

Also if you go to cancel with your current insurer they usually come up with 'new' deal to stop you!

Crystaltipsandalaistar Fri 05-Sep-08 22:27:14

ooh thanks donotannoy, just watchin big brother final! ford focus and a vauxhall passat, joint with hubby.
age 40, and hub is 41, thank youuuuuu

DoNotAnnoy Fri 05-Sep-08 22:36:44

Ok here are the Which best buys...but they are not driven by price when I read it again, although they do say teh cheaper polices are first on the list.

Medium sized car they recommend the following
Swiftcover; Postoffice & Budget for online quotes
large car (thinking of the Passat maybe?)
Swiftcover, post office & Admiral

If you are in a higher risk area
Admiral, elephant & swiftcover for a higher risk area.

HTH and gives you somewhere to look.

The other thing you can do is look at a comparison site like money supermarket and see what comes out cheapest and maybe look at they cheapest direct to see if moneysupermarket are adding a slice.

The other thing to think about is someone who will llow you a discount with a second policy instead of going with 2 insurers. My Tesco policy (which I did find cheap BTW) will do this - unfortuantely DP has specialist insurance.

DoNotAnnoy Fri 05-Sep-08 22:37:24

Sorry

If you are in a higher risk area
Admiral, elephant & swiftcover for the large car

Crystaltipsandalaistar Fri 05-Sep-08 22:41:37

thank you, thats really kind. It will be a low risk area. I used to be with Tesco, and they were cheap, but the premiums jumped up for both cars about 3 years ago. Greasy palm are going a cashback if you click through them...

MuffinMclay Sat 06-Sep-08 21:11:53

Cheapest I could get recently was with Admiral (also in low risk area). Managed to haggle on the phone and get the price down further too.grin

eleanorsmum Sat 06-Sep-08 21:19:42

do NOT use swiftcover. Had very bad experience during which they lost my claim twice, wrote my car off and claimed they'd already paid me! I ended up losing my no cliams even though protected due to their stupidity!

can recommend direct line, tesco and motorminder (childminder)

Eddas Sat 06-Sep-08 21:19:52

have you tried looking on moneysupermarket.com? I find them very helpful for comparing everything!

notcitrus Sun 07-Sep-08 14:58:57

I saved £350 with moneysupermarket.com last month - was with Elephant, they quoted Admiral as cheapest, but I phoned Elephant and they agreed to match the quote. Also with moneysupermarket you can click through to the individual insurers and check info and try tweaking things like level of excess.

Worth checking that all your details are correct and up to date - for example they weren't aware MrNC was married, points on his licence had expired, they don't seem to automatically add a year since your last claim unless you point it out, and try to describe your jobs in the best possible terms - eg software engineers are much lower risk apparently than computer programmers, because any teenager can call themselves a programmer...

Confused.com and gocompare.com just crashed when I tried them.

blushingm Sun 07-Sep-08 16:50:32

what about admiral multicar? We pay £500 combined for an audi a2 and a golf gti

Majeika Sun 07-Sep-08 16:54:01

I just got the cheapest quote with Tesco and £40 cashback!

Join the discussion

Join the discussion

Registering is free, easy, and means you can join in the discussion, get discounts, win prizes and lots more.

Register now