INSURANCE again!

With regards to Car Insurance, I tend to follow the same routine to try and get the best deal.

Last Year, I paid £197 for cover with SAGA.
This year the renewal was £192 for the same cover (but actually with some increased levels of payout).
So no evidence of the kind of price hikes others report about :unsure:


But I did the same as I did last year ....
Logged onto Quidco.com (cashback site) and selected Go Compare (insurance comparision site). Doing this is worth £32 cashback. (last year, I got £40 cashback for this, so rate has lowered).
Once on Go Compare, create a new quote and see if anything suitable comes up. Using Go Compare, you have the option of a free £250 Excess Insurance if buying a quote generated on their system, so I increase the excess level to match that - lowers the premium a little and you still have an effective £zero excess to pay.
I would have been ok with the SAGA renewal price of £192 in fact in terms of the policy price, but a straight renewal would have not got me the cashback or the excess insurance.

Something to be aware of with getting quotes ... the proximity to the renewal date impacts the price quoted! I think I read the optimum date to request a quote is around 3 weeks before it is due.
Further away and it is thought you are just window shopping; around 3 weeks and you are looking properly at the options and they want your business; a couple of days before needed, you are seen as getting desperate and the prices are hiked!
I got a new quote via Go Compare yesterday and all the prices had gone up from just a few days earlier. The Co-op quote yesterday was £206. The same details earlier in the week got me a quote from the Co-op for £166 (£40 less!)


From the list of quotes received, chose to go with the 'Co-op Essentials' at £166 using the earlier quote link (Been with the Co-op before when a car was written off and their service was excellent).
Policy not as wide as SAGA - no Key Cover (not bothered about that TBH anyway) and no Legal Assistance. But usings Del's information below, bought the RAC cover for £15 (y)
Just to say that you can get legal expenses insurance as a standalone product from the RAC and you don't need to be a member to buy it. Unlike most of the insurance company's policy it covers you as an individual so you don't need it on every vehicle insurance policy and you can add up to four family members at no extra cost (they must live at the same address though) all for £15.00/year 🤔

https://www.rac.co.uk/insurance/legal-expenses-insurance

Regards,
Del

So ...
Last Years Car Insurance cost me £157 (£197 for the policy, minus £40 cashback)
This Years Car Insurance should cost me £149 (£166 for the Policy, plus £15 Legal, minus £32 cashback).

Something I also did which could be a useful tip for those couples who just run the one car ... To maintain an NCD you need to have a policy within the last 2 years, so we try to alternate the policy holder from year to year so we both keep the NCD record. I forgot last year so Linda would have been over the 2 year time at next years renewal time if this was not done in her name this time.
Made no difference to the price as we have the same NCD, same driving record and are near enough the same age.
 
Have you looked at Van quotes yet David.
I don't tend to use cashback sites for Motorhomes - too specialised in my own opinion to be sure of getting the right cover.

Also, my Motorhome policy is under £200 going direct and I doubt there is much wiggle-room in terms of better prices from other providers (last renewed last September and the previous price was £238, so again, not seeing price hikes myself).
 
Mine is in that area too, I go through Asda online to get quotes, I might look via Quidco next time though.
 
Mine is in that area too, I go through Asda online to get quotes, I might look via Quidco next time though.
I'd recommend Quidco as a route for various on-line sites that you go to anyway. used to be BIG cashbacks for some stuff. I think I got £200 cashback once for a car policy which was more than the policy cost! Oddly I cancelled the policy after a week for some reason but still got the cashback - winner winner :D
Used to be £100+ for gambling sites once you gambled £100. So zero cost and had the chance of winning as well.

So far earned £2,700 since using Quidco, but little of that has been in the last 5 years.
 
I often think of Gambling online but so far have limited to Bitcoins on a small scale.
 
I'd recommend Quidco as a route for various on-line sites that you go to anyway. used to be BIG cashbacks for some stuff. I think I got £200 cashback once for a car policy which was more than the policy cost! Oddly I cancelled the policy after a week for some reason but still got the cashback - winner winner :D
Used to be £100+ for gambling sites once you gambled £100. So zero cost and had the chance of winning as well.

So far earned £2,700 since using Quidco, but little of that has been in the last 5 years.

I use Quidco a bit but I find TopCashBack to have better rates generally.
 

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