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Old 03 February 2006, 13:52   #1
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Car insurance

I have just bought myself my first car. Its a VW 1.9 TDI golf. Now I've been phoning around loads of insurance companies trying to haggle, but non of them are having any of it. So many people have told me that insurance companies are willing to reduce premiums if you threaten to take your money else where, but every one has bluntly refused to price match.

My best quote is 536.99 from norwich union with an excess of 470 and 3rd party cover while towing a trailer for the trailer only (not the boat) and only if it stays attached to the car.

I have tried tescos, directline and elaphant. Can anyone else recommend any good insurance companies that also provide good cover for a trailer? Does anyone have any experience with norwich union? Are they any good?

Thanks
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Old 03 February 2006, 14:09   #2
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Try Taylor Price and co

http://www.directchoice.co.uk/

Don't do it online and tell them you had a quote say 100 cheaper or something. They are great for young drivers or high performance cars. Saved me a fortune over the years.
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Old 03 February 2006, 14:17   #3
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are they any good for old feckers with old bangers?
Quote:
Originally Posted by codprawn
Try Taylor Price and co

http://www.directchoice.co.uk/

Don't do it online and tell them you had a quote say 100 cheaper or something. They are great for young drivers or high performance cars. Saved me a fortune over the years.
tim
for insurance the best thing you can do is just sit there with the yellow pages and call each and every company, is a boring job but you might well save yourself a lot of money, also search the web, keep looking. it is amazing how you will get lots of similar quotes then hit one that is quite a lot cheaper. i had been paying some 300 plus for my 1000cc bike then this last year i did a lot of phoning around and hit an insurer that will do it fir 115 quid full comp etc, now all of my friends are with them..

spend the time and phone as many as you can......

try not to go with insurance companies who need locks and alarms etc or ask how much the insurance is without an alarm!!!! sometimes an alarm might only save 5 -10 quid but to fit one would cost you a lot more and also if the insurance can prove the alarm did not work properly when the car was stolen they can wriggle and you dont want that !! declare the minimum security to the insurance company but ensure your car security is at max. for some ages or types of car then you just need to have some of the imobilisers/alarms fitted and no way out of it. I have alarms/locks etc but i dont declare it!!
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Old 03 February 2006, 14:31   #4
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Quote:
Originally Posted by slimtim
I have just bought myself my first car. Its a VW 1.9 TDI golf.

My best quote is 536.99 from norwich union with an excess of 470
To be honest Tim, I would have thought this is about right if you don't have a no-claims bonus, and for a 1.9 TDI. Especially if you are quite young.
(I assume this is comprehensive cover).
Quote:
Originally Posted by slimtim
So many people have told me that insurance companies are willing to reduce premiums if you threaten to take your money else where, but every one has bluntly refused to price match.
I work the opposite principal - if you don't give me your best price first time I don't use you.
Quote:
Originally Posted by slimtim
3rd party cover while towing a trailer for the trailer only (not the boat) and only if it stays attached to the car.
Your boat (and trailer) should normally be covered under its own insurance, not the cars. The third party cover is in case the trailer causes and accident or injury. I think that what you are describing here is a reasonably normal arrangement.

Its not what you want to hear - but Direct Line/Norwich Union Direct/Tescos are usually reasonably competitive - there might be people like those that Codprawn is suggesting who are specialists in some of the "higher risk" categories of driver/car.
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Old 03 February 2006, 15:01   #5
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thanks for the tips chaps.

cod, i will check that out thanks.

Chris, the car comes with an alarm...u reckon I should not declare it and pay a bit more on the basis that they have no way of wiggling out of a claim?

Polwart, you are right, i think that price is not bad, but I'm always up for a haggle Some friends of mine have negotiated cheaper insurance. I don't have a no claims bonus but I have been driving as a named driver (under norwich union) for nearly 6 years without a claim...but that doesn't make any difference

Norwich union do a bonus accelerator policy which is for 9 months at 413 and I get a full years no claims at the end of it. 1 years no claims apparently gives me a 50% discount, so that seems like a worthwhile thing to do. Month for month, I end up paying a tenner more with the 9 month policy than with the 12 month.

Thanks for the help.
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Old 03 February 2006, 15:25   #6
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I recall that Adrian Flux always used to do good deals for more interesting risks. www.adrianflux.co.uk

Re Norwich Union - competitive but bizarrely I renewed my policy through AA Insurance and got a better price - for the same NU policy! Strangest bit was after I had a write off and got a replacement vehicle.They actually gave me a small refund because the car was a lower rate. (Which reminds me - watch out for policies that are voided after a total loss claim - a small print nasty)

However, NU claims process was complete crap - eg the 'formal' offer for the write-off was from a bloke on a mobile! Took them weeks to settle, nil communication and then they argued the toss over 120 extra car hire.

I'm surprised your record as a named driver doesn't help though. I had the same thing when I switched from a company car and got some no claims without any trouble.

But I do remember the pain of first insurance premiums . . .
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Old 03 February 2006, 15:32   #7
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Tim, here's a sure fire way to get a lower insurance quote: http://www.sexchangecenter.com

But seriously, are you sure they will offer you a 50% reduction with just one year NCB? That's not the experience I've had.

One other thing - in my and Richard's experience, Norwich Union are very competitive for your first year with them but then ratchet up the cost when you get your renewal quote. If you do go with them, bear this in mind come renewal time, and also I would check that other competitive companies will honour NU's Bonus Accelerator and give you 1 year NCB if you decide to switch insurer after a year.
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Old 03 February 2006, 15:34   #8
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Quote:
Originally Posted by slimtim
Chris, the car comes with an alarm...u reckon I should not declare it and pay a bit more on the basis that they have no way of wiggling out of a claim?
if it was me i would ask what difference an alarm makes to the quote, if only 5 or 10 quid or a small amount then i would insure without the alarm.......because..........if you insure and declare the alarm and they make it a condition of the insurance and it goes faulty then you will have to get it fixed immediately or they have the opportunity to wiggle if the unfortunate happened, remember the alarm must work and must be put on at all times etc...

all my view and what i do, on my cars they come with imobilisers and alarms as standard so i dont do anything there....its on the bikes that i take this approach.....it is just regarding aftermarket items.....
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Old 03 February 2006, 15:48   #9
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Tim

Different circumstances I know but every year I phone around and nobody can ever beat my renewal quote from Priviledge.

I started using them when I swapped a BMW 325 for a Grey import Twin turbo subaru Legacy, and the company I was with at the time trebbled my fully comp premium. The BMW was a Group 16 the Subaru a group 20.

Priviledge insured the 2 year old imported Subaru for less than the 6 year old BMW.

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Old 03 February 2006, 15:51   #10
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i too have been with priviledge for years and no-one comes close at renewal for either car, plus i insure them for business use as well, however they were originally aimed at expensive or hi group rated cars, not sure what their target market is these days.....

it is important to remember that insurance companies tend to target certain types of people at different times.

and as mentioned earlier watch for cheap quotes initially then creeping premiums!
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