Car Insurance

[Shellywoozle]

Who do you use and which company would you recommend.

I been with Churchill for years and because I took my ex off the policy I lost all my discounts. Pfffft am I staying with them cancelled policy.

Now looking for a reputable company, want to know what they are like in a claim.

Directline are poo I know that much !

Anyone got any GOOD experiences ....I say GOOD as I not interested in the bad ones :)

Fankoo

[Viney]

Go Compare...Go Compareeeeee..With just a few clicks save your spodulicks!

Honestly id just do a search on a comparisson site. Check the excess, and benefits and choose the one thats the best value. I was with Churchill for 2 years, this year im with admiral as they offered a lower excess, a free courtesy car, for £5 a year more than my renewal with Churchy.

[dirtydog]

I had insurance with kwikfit a couple of years ago, was involved in an accident where 3 aother vehicles went itno the back of me whilst I was stationary. I had a courtesy car dropped off to me the next morning and I had the money for my written off car in the bank in about 6 weeks. It would've been sooner but I argued the value of my car as it was insured as "market value" I got £200 more than I paid for it 6 months earlier!

[tigersaw]

I'd steer clear of those who insist on their 'preferred repairer', and will only stump a claim up to that value if you go elsewhere - like one of my previous insurers.
Their preferred repairer was a back street bodger who used second hand / pattern parts. I had to take the cash and pay the rest myself just to get the repair I would have naturally expected.

[Shellywoozle]

Cheers ... I went on Gocompare and Kiwkfit and AA came out good.

I am pretty miffed with Churchy to be honest as they usually OK but the girl was snooty and was typing everything I said. So I cant even pretend to have a partner to get me discount bacK ............. being single stinks sometimes LOL

[speedplay]

Elephant.

Give them a call and avoid the extra cost involved with comparison sites.

[Viney]

Shell, remember that churchill are also, direct line, privalage, devit, tesco, and a couple oters under the RBS Insurance band. AA are good. I was with them some years back. They dealt with the claim nice and efficently. Make sure that you get legal assistance and if possible claims assitance, these are the things that make any accident go smoothly, well the after effects anyway.

[Shellywoozle]

Shell, remember that churchill are also, direct line, privalage, devit, tesco, and a couple oters under the RBS Insurance band. AA are good. I was with them some years back. They dealt with the claim nice and efficently. Make sure that you get legal assistance and if possible claims assitance, these are the things that make any accident go smoothly, well the after effects anyway.

Ohh Viney Churchill part of Directline .......... fankoo I dont feel so bad now.

AA were a good price too cheers hun

Elephant.

Give them a call and avoid the extra cost involved with comparison sites.

Will try 2moz xxx

[fizzwheel]

Elephant.

gah I wouldnt use them again, they right royally f*cked me about over making a claim when my Golf got written off.

I do my bike and car insurance with Ecar / ebike. I like the fact that I can do it all on line and never ever have to ring a call centre.

Their prices seem pretty good to...

[Dave20046]

gah I wouldnt use them again, they right royally f*cked me about over making a claim when my Golf got written off.

I do my bike and car insurance with Ecar / ebike. I like the fact that I can do it all on line and never ever have to ring a call centre.

Their prices seem pretty good to...
Elephant are the same company as admiral - not great to hear as I'm with admiral.

Shellywoozle are you looking for a good price on a policy or an insurance company that won't shaft you? (*!*....oops my oxymoron detector just exploded).

If you're going for the former - then every quotes different so the only way to know you're getting the best price is by doing the dirty work and ringing round, I've found comparison sites to me highly innaccurate (to the point of offering invalid policies) however I'm under 21 and male, premiums differ by thousands of pounds insurer to insurer...you may erm...find things a little more stable.

[CheGuevara]

Direct Line for 2 years running as they have by far been the best price in my circumstances - having swapped a foreign licence for a UK one they gave me their max NCB (with a letter from my Canadian insurer), a decent rate on a Japanese import 4x4, and again a good rate for my wife (under 25) driving a reasonably quick car.

I'm on Swinton for the bike though.

[TazDaz]

Liverpool victoria, or LV. Been consistantly cheapest for 3 years on a trot for me, and I do serious shopping around!

[embee]

All I can suggest is if you use the comparison sites to short list some, do phone them rather than click online. Every time I've done it I ended up paying less than the online quote.

I've got one car with MoreThan and while the call centre is far far away (Easter Island??) you can register for a "personal account manager" who is at least in this country and understands the relevance of detail issues. They give (or did at least) NCD on a second policy based on an existing NCD, useful if you ever want 2 cars insured.

My other car is with RAC, I've been with them before, moved away, and ended up back again, always had very efficient customer service dealings (though not had to claim).

[Dave20046]

All I can suggest is if you use the comparison sites to short list some, do phone them rather than click online. Every time I've done it I ended up paying less than the online quote.

Glad someone else has had similar experiences - the majority of mine when I ring up to pull up the quote will be a lot more cash or will not insure me rarely do I find one that's cheaper - although admiral was a grand cheaper than the quote on the comparison site.

[fizzwheel]

Elephant are the same company as admiral - not great to hear as I'm with admiral.

They were fine till I made a claim and thats when the fun and games started.

They undervalued my car by £800 and then got p*ssy with me on the phone and started rabbting on about parkers and book prices. Basically I felt like he tried to bully me into accepting their sh*tty first offer.

They didnt give me any notice that they wanted to collect it, despite it being 60 miles away and me not having a car to go and get all my personal effects out of it.

They got p*ssy with me on the phone when they asked if they could get a transporter to where the car was and I told them no as access was limited. Then they told me I would have to drive it somewhere where they could get at it with a transporter, when I politely informed them that the radiator was broken, it had no coolant in it and all the headlights were smashed and that I wasnt driving it anywhere, they got even more cross with me, the woman I spoke to on the phone was down right rude at this point and put the phone down on me.

Then it just seemed to take bl**dy ages for them to sort out the fact that they were going to write the car off.

Dunno whether it was just I had bad luck with the claim, but they left me with a feel that they were bl**dy useless. The only good thing about it was the company that they sub contracted their courtesy car work out to were fantastic.

[Dave20046]

It doesn't really surprise me I had to be on my toes with their sales team.
Very forceful (but polite & horrible salesman friendly)and quick, at one point I actually said to the bloke 'look be quiet for a second while I work that one out.... ... ....no!' .

[peterco]

gah I wouldnt use them again, they right royally f*cked me about over making a claim when my Golf got written off.

I do my bike and car insurance with Ecar / ebike. I like the fact that I can do it all on line and never ever have to ring a call centre.

Their prices seem pretty good to...

+1

I also use Ecar/Ebike for insurance.

[Quiff Wichard]

dont you get an extra discount cos of your job shell??

or does that make it higher maybe in case of reprisals??

[Sir Trev]

All I can suggest is if you use the comparison sites to short list some, do phone them rather than click online. Every time I've done it I ended up paying less than the online quote.

Also useful for seeing what price your EXISTING insurer is offering, rather than just accepting their renewal. Two cars with Admiral on a mulitcar policy were cheaper separately on the comparison site compared to the renewal - called them up, they pulled up the comparison quotes, added the multicar discount, and I saved two hundred on the renewal price.

Of course us, er, more experienced drivers are a bit easier to insure than you young teraways...

If they gave me a good price I would probably have stayed with More Than as they were very helpful when my car was written off a few years ago. Their tame legal mob were not very helpful though in taking the uninsured scrote to court to get my excess and other losses back...

[speedplay]

gah I wouldnt use them again, they right royally f*cked me about over making a claim when my Golf got written off.

I do my bike and car insurance with Ecar / ebike. I like the fact that I can do it all on line and never ever have to ring a call centre.

Their prices seem pretty good to...



The problem with insurance companies is that you don't know how good they are till you have to claim and then a lot of that is to do with the handler dealing with it.

Jenn was with Elephant when she had the bump in the freelander and although they tried to say that they needed the V5 and MOT before they could make a valuation of the car, one call from me telling them that I know its rubbish and that there was nothing on either of those forms that would point to the value of the car sorted it out.

People have told me how good Bennetts are on bike insurance...

After my personal experience with them, I'd never uses them.

You pay your money, you take your chances.

All you can hope for is that it doesnt cost too much for something you may not even use.

[appollo1]

For Car insurance i have been with Tesco for the last few years and they have been really good. Especially when renewal comes up , they give me a price i phone around then call them back and they try to match the lowest price, if they can't they normally give gift vouchers.

I was with AA a few years back and had no problems with them but their prices seemed to go up a lot each year.

I have both mine and the wifes car with Tesco.

HTH Shell x x

[Shellywoozle]

dont you get an extra discount cos of your job shell??

or does that make it higher maybe in case of reprisals??

Makes it go up and I have to declare work accidents too and I am driving alot more than say someone sitting in an office.

Also cause I blue light it and drive in the middle of the road like a nitter I am more of a risk apparently .... advanced qualification means jack s**t too

[Milky Bar Kid]

Makes it go up and I have to declare work accidents too and I am driving alot more than say someone sitting in an office.

Also cause I blue light it and drive in the middle of the road like a nitter I am more of a risk apparently .... advanced qualification means jack s**t too


It is a pain in the bum isn't it?!?!?!

[Shellywoozle]

It is a pain in the bum isn't it?!?!?!

http://img.thesun.co.uk/multimedia/archive/00471/SNN1833B_471637a.jpg

[metalangel]

Whoever does me cheapest and protects my no claims. And ring them up! You'll be surprised how suddenly they'll match another company's deal if you say you're going to go elsewhere.

[Shellywoozle]

Whoever does me cheapest and protects my no claims. And ring them up! You'll be surprised how suddenly they'll match another company's deal if you say you're going to go elsewhere.

I did that with Churchill, they didnt seem to want my business ... they quoted me £120 more with less benefits than some others and when I said what would you do pay the extra or shop about she said "well thats upto you shall I cancel"

LOL I been with them 7 years and have my house insurance with them, of which I won't be renewing.

[kwak zzr]

you know wat shell? they must have seen your drivin :) i wouldnt insure you cheap either :)

[metalangel]

@Shelly: Kinda funny isn't that? As if you're really going to say 'why yes, you have been complete rubbish AND you cost more, please keep my policy going!'

I used to get LOTS of calls from insurers who I'd had an online quote from (and ticked the DO NOT EFFING CONTACT ME box) who'd ask if I was happy with my quote. When I told them what my best quote was they'd either go silent knowing they were beaten, or try the most pathetic 'oh, er, well, have you considered all the benefits of a policy with us? breakdown cover etc'. Funny stuff!

[Shellywoozle]

you know wat shell? they must have seen your drivin :) i wouldnt insure you cheap either :)

:( I am slower now honest ......... and I am safe !! Very very very !

They should be paying me to go with them .......... feels she is being bullied by Kwak

:plod: u wait til tomorrow .... dare you get drunk in my town?

[kwak zzr]

cant wait to get arrested :) make sure you come out to the disturbance tho not them big buggers ya work with :$

[Shellywoozle]

cant wait to get arrested :) make sure you come out to the disturbance tho not them big buggers ya work with :$

They not big !! 6ft 5 aint big :) Oohhh do I need to warn CCTV cameras to watch out for you :(

[kwak zzr]

you know me :) i good boy :)

[Ch00]

If you with the IAM you can get insurance though http://www.adelaideinsurance.com/ I use them for the bike and car they will either match the best quote or be the best.

[Shellywoozle]

Thanks for ya advice guys ... went for AA

Breakdown cover for me in any car, protected no claims, legal protection, car hire blah blah blah

£25 summay a month with £100 excess ..... I'm happy with that (£284 per year on installments)

And cause I had a home quote with them they knocked me £10 off car premium.

Churchill can stuff right off ;)

[Mej]

bell have always been good to me