Car insurance

[dentistattic]

I'm currently in the process of changing my car. My existing insurer is Elephant, and I've always been well looked after. I've got 13 years NCB. The new car will be brand new.

The quote they've given me is about a third more than I'm paying currently. On a price comparison website, I can get insurance for much cheaper.

Is that a con to try and reel you in? If I change providers, is it likely that next year will be a huge step up?

Or should I just suck it up and stay where I am?

Thanks

No reward for loyalty in insurance.
I check every year for both cars and house insurance.
I have stuck with Direct Line for a few years because
a) their price is competitive and
b) they don't charge an admin fee if you want to add a temporary driver. In fact often they charge nothing at all whereas other companies charge a minimum of £23.
Lots of occasions when I've needed to do that.
DS1 car in garage and borrowed mine for a few days.
DS2 moving house and borrowed my big car for a weekend.
I needed a lift to hospital and insured DS2 for my car to take me back and forth while I couldn't drive.

Also check out Quidco. DS1 changed insurer and insured via Quidco compare and just got £40 cashback.

@WombatChocolate

To me, the fact people stay and do t even look into alternatives because they’ve had good service is crazy.

Each person has their own threshold. I've had brilliant service from Admiral and they've not hiked my premium much each year. It would take a lot to get me to change as I have confidence in the company. Every couple of years I run the data through a comparison site, but never get a comparable level of cover for more then a few tens of pounds cheaper, and for me, it's not worth the risk of getting awful customer service or having the premiums hiked each year meaning I have to shop around again and again. Now if I got a comparable quote a hundred or two cheaper, I'd have to take that more seriously, but for £30 or £40 quid, just not worth the bother/risk.