Clubjazz - Honda Jazz & HR-V Forums
Honda Jazz Forums => Honda Jazz Mk2 2008-2015 => Topic started by: Spencer69 on April 28, 2018, 04:08:58 PM
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Hi All, As title says it all I think!
General query with other members. I recently received renewal in disbelief-my quote for coming year has risen by £110.00 - last years premium was £422.00 and now they want £532.00.
I received email from confused.com giving quotes (based on last years information) of lowest at £365.00. I also noted quote for current company of £406.00 (Alot less than renewal quote of £532.00).
The only factor that has changed is in July last year a 'no fault' claim was made and all costs recovered from other driver at fault (we were stationary at pedestrian crossing in supermarket car park & other driver reversed out of parking space causing damage to our bumper. It turned out that we were both insured by same company and insurance company called me explaining that othe driver was to blame & they would recover costs from same. Person calling also confirmed that this would not damage my no claims discount - which is true as it now stands at 9 years NCB - we would not be charged for hire car and effectively should be as though nothing ever happened as far as my circumstances were concerned) this is until we received the above quote adding in excess of 25% from last year.
Should also say at moment am waiting until Monday to speak with insurance company re their £532 figure, but in meantime I am also loathed to make any further enquiries with online comparison websites as this would mean I will have to include the 'no fault claim' for estimates (mention this as there are few companies that do not charge added premiums for no fault claims-if that makes sense).
Asking members for any advice on matter or any quotes they have received with or without 'no fault claim' & who with?
Many thanks for reading.
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I would wait until you speak to your insurers. See what they have to say.
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I had a no fault claim with Saga in 2015. My premium then was £190 ish. (they were excellent doing repairs)
In 2016 they increased it to £215 - after some phone negotiation.
In 2017 £235 - ditto .
(in both cases I could not find a significantly cheaper quote.)
This year Saga asked for £280.
RIAS offered £160 ish.. I took it..
Edit : I am 70 (oh dear) with 18 years NCD.. - company cars before that.
Insurers treat customers not as VALUED customers but as mugs to be fleeced.
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Many thanks for reply Jocko. Yep, fear it will be a call on Monday. Needless to say I did attempt contact today but left hanging-it is weekend afterall. Can't go any further with comaprison sites until I find out the cost of claim (there is minimal detail on policy portal but no costs figure info) that was recovered from the other driver-who was at 100% fault-but also insured by same company! I did find email from the time in which I confirmed with them that no change to NCD or excesses-pity I didn't include the word premiums!
Hi Madasafish, Also many thanks for your input. Great prices and fear this to do with experience (or age!) and NCD! I will be able to look forward to correspondence from Saga next year & also using their car insurance quotes!
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I am with Quote Me Happy. My previous, 2015 Jazz ES+. Went from £206, to £209, at last year's renewal. (I'm 74).
Swapping to the new, EX Navi...... I've had a refund of 64p! ;D
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In with my last renewal was a piece of paper stating I have 22yrs No claims discount with this company. However it also states even with a protected no claims discount should you have a claim even if it is a no fault claim your premium might increase .Presumably they mean as well as any other increase.
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As before sticking with Insurance companies for Home and or Motor does not seem worthwhile, each year we use comparison sites then haggle with existing company , usually swayed by the Quidco cashback eg Aviva were offering £60.00 for new customers recently...
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Exactly, loyalty really doesnt count for anything nowadays. Even read a few comments on current insurers facebook page that they have even admitted to not being competitive anymore! Not exactly a way I would choose to run a business & appear to be losing more customers than new. Found comment that customer with no changes at all has still seen increase of over £100 & there's lil ol' me complaining at increase of £130 with a no fault claim!
Am awaiting response from them with regard to figures & then some time for a little homework. It's also very interesting to find out how many insurance companies are actually 1 and the same company yet give disparity between the quotes...suppose no different to broadand providers!
Thanks again for all rsponses and will see what tomorrow brings...if anything!
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Insurers tend to abuse loyal customers and new customers get all the best deals. The take away message is don't be afraid to move companies if they are not treating you well. It has never been easier to move to new insurers, energy suppliers and banks.
I had been with AA for a few years and was not happy with last years renewal quote so I moved companies and got over £100 cheaper like for like cover. I always let the company know why I am leaving - maybe it will do other customers some good.
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Car breakdown insurance is a bit of a joke, I had AA and on renewal the premium doubled, so I asked why. All I got was a load of waffle. So I wrote again and was told that my first year was a special offer as if I am not bright enough to realise and therefore I had to pay full price. I asked why not take an average over special offers and full price and more people might be happy. OH no that was a lead balloon job.
I eventually went to GEM. Owning a Honda as yet I have not had to bother them!!!!!! the AA and RAC are well aware of the Honda reliability and yet we have to subsidise the less reliable marques.
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Insurers tend to abuse loyal customers and new customers get all the best deals. The take away message is don't be afraid to move companies if they are not treating you well. It has never been easier to move to new insurers, energy suppliers and banks.
I had been with AA for a few years and was not happy with last years renewal quote so I moved companies and got over £100 cheaper like for like cover. I always let the company know why I am leaving - maybe it will do other customers some good.
Couldn't agree more.
One thing I have noticed when you cancel an insurance now, companies used to give you a load of flannel about going to a cheaper company, not paying out, inferior insurance benefits, blah blah blah, but nowadays they don't bat an eyelid.
Put your details into a couple of comparison sites, you only have to do it once and then they remember you the next year. Use them every year, then ring your current insurer and get them to match the best price. Most will, a few companies have less flexibility - if they can't, move. Personally, if I do end up swapping to another company, I try to avoid anything to do with BISL (Budget Insurance) - too many horror stories, and they insist on auto-renewal.
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Correct me if I am wrong, but BISL are also behind AA Insurance Services, RAC Insurance Services and many many others too including comparethemarket.com !
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Try Aviva. No questions asked. Also counts the length of your provisional license too.
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In light of this thread I started looking round for quotes, as my insurance is due in the summer. The only place which has offered me a quote is Saga. All the rest refuse to quote, as my renewal date is too far off. I just wish that was the first question they ask. On some sites it is the last!
A new thing I notice this year is the offering of SDP or SDP + commuting. Unfortunately, because I usually run my Mrs to work I have to opt for the second, even though I myself am retired. In the past commuting was always included automatically (at least with the companies I used).
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Personally, if I do end up swapping to another company, I try to avoid anything to do with BISL (Budget Insurance) - too many horror stories, and they insist on auto-renewal.
I am insured with Lloyds Bank who use BISL. I have just cancelled my auto renewal, which they do not emphasise is in existence and I got a letter confirming the cancellation.
Auto renewal is something to watch out for in your policy.
Vic.
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Wow! Didn't expect as many responses but cracking all the same. All contents noted and already done since last post.
Uptodate situation-received reply from current insurers and hae returned with 'renewed' renewal knocking off £40 off original renewal quote, so down from £530 to £490.00! Not bad but know could do better-also armed with details of 'no fault claim'.
Prior to logging in today, as mentioned in earlier post tried 'quotemehappy.com' direct and not via comparison (that was next excercise). With all new details inc no fault claim they returned quote of £400.00...so now a further £90.00 in my favour from renewed renewal of current insurer! As an addition when all new info, again obviously now with full detials of 'no fault claim' interesting that comparison websites returned differing quotes from this company, quotemehappy, of £345.00 (an added bonus of further £55.00 in my favour) which is alot different from their own website quote of £400.00.
Dayjo, am aware you are with quotemehappy. Are you happy with them and have you found navigating their website easy enough (only ask this as it is a website only company-save for when having to report accident/incident)? If so, will be quite happy to go with them saving over £180.00 which cannot these days be sniffed at!
Will also, as matter of courtesy give current insurers opportunity to match, but do not really hold out much hope...not as much as £180.00 anyway.
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Apologies for got a couple of points.
Jocko, as you say your renewal date is too far off for comparison sites to give quote, you can always ask for quote within next 30 days and receive quotes on this basis-dout it would have much if any difference-after all you are only asking for quotes and are not obliged. It will/may at least give you a ball park figure.
Another 'anomaly' I found was that when I did quote 3 days ago (ie without notice of no fault claim) and then again today, at least 2 companies had actually quoted me cheaper prices with no fault claim info, by at least £30!
Let's see how far we get!
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Jocko, as you say your renewal date is too far off for comparison sites to give quote, you can always ask for quote within next 30 days and receive quotes on this basis-dout it would have much if any difference-after all you are only asking for quotes and are not obliged. It will/may at least give you a ball park figure.
Saga and Direct Line quoted. Both were within a few pence of each other, and within £2 of last year's price.
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My renewal came up more and they tried claiming it was to do with interest rates, as you'd expect them to.
I had insurance with a box and have now moved away from that to a modified car insurance and that came up less than with a box. This year is about £740 if I remember rightly which is the cheapest mine has ever been.
When I was looking before as well I am 99% sure that the earlier you do the quote in the morning, the lower the price is. I did it at 5 once as I couldn't get back to sleep and it was a noticeably lower price
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Dayjo, am aware you are with quotemehappy. Are you happy with them and have you found navigating their website easy enough (only ask this as it is a website only company-save for when having to report accident/incident)? If so, will be quite happy to go with them saving over £180.00 which cannot these days be sniffed at!
Very happy, Spencer!
I needed to swap reg number, on my "old" car. Then 3 weeks later, swap cars..... All done, by easily editing my details. Simples!
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Saga and Direct Line quoted. Both were within a few pence of each other, and within £2 of last year's price.
Over, some 30 years of trying. I've never had a sensible quote from Saga!
Always, £100 to £200 more, than anyone else...... ::)
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Insurance companies have monthly sales targets to meet (like cars). Quotes at end of month are likely to be cheaper than at start...
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hi Dayjo, good to hear & TY for reply. For own benefit wanted a trusted opinion as so many good and bad reviews & to be fair exact same for all companies. Many of the complaints seem to be around the fact that all matters (save for claim) are done online & more recently problems had with many of their customers in April when website having maintenance.
Not really any different from current insurer (Esure) who again seem to deal with majority of bits online but charge admin fees for changes to policy-change of address etc I expect. To be fair have found them (Esure) to be a great company, save current renewals, and especially when it came to July last year when they contacted me as 'other driver' in my 'no fault claim' were also insured by them. Have only good things to say about their claims dept but feel this year maybe losing a customer (what galls me further is that for new customers there is a discount which equates to not so far off the quote from quotemehappy).
Still have until nearer end of month until a definite decision made. Only other co I would be looking maybe General Accident...bu realise that like many, quotemehappy & GA are both 'connected' to Aviva!
Lastly, for today, don't think Saga would give quote as not 50 yet (in now way is that meant to be ageist, cheeky or anything more than tongue in cheek!). :-)
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Insurance quoting is a mine field.
My insurance is due at the end of the month so I started looking around.
I got quotes from that 'singing' chap at 'Go Compare'
Tesco Bank quoted £396 so out of curiosity I went to the Tesco Bank website and for identical cover the quote was £442.
Lloyds, who I am currently with, refused to quote me on 'Go Compare' !
Vic.
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Absolutely, Vic. Cannot/do not understand how same company whether via their actual website or on omparison can throw out 2 totally disproportionate figures based on exact same information/data! In my case this was a difference of over £50 (have to say have confirmed with website that they will honour the lowest quote & if anybody else in this position/situation, simply go to the comparison website you obtained cheaper quote & go through that link which will allow you to accept the lower figure given by comparison site not the actual company website) which at the end of the day is a free MOT & something towards the car service!
Just 1 more tip to those who find again in this situation. If you do find a cheaper than renewal quote within 30 days of your renewal, I have been told that it is possible to purchase your new cheaper insurance early (in my case maybe 2-3 weeks early). I understand that for this to work you have to ensure that date of expiry of current/old insurance & date for new insurance to take over must obviously coincide-know this sounds as it would happen anyway, it is just that some people may put in earlier date ie-earlier than current insurance runs out-in order to make it possible to receive a quote & get idea of what to expect! Only thing you have to make sure is that you contact current/old insurance co so many days before runs out to inform them that you will not be accepting their renewal offer, or you may find you bak account a few £100 quid lighter than expected and added hassle of getting refund. This also enables you to receive full year of current insurance and also not have to fall foul of cancellation figure! Hope this makes sense!
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Just to stir the Aviva pot.........
https://www.topcashback.co.uk/aviva-car-insurance/
I usually use:
https://www.topcashback.co.uk/topcashback-compare
I find going directly to a named insurance company eg Direct Line, Aviva, LV, Esure etc is usually the most expensive route.
Using a broker like RAC Insurance Services, Hastings Direct through Topcashback takes a lot of beating.
Don't buy the cheapest - buy a name you know.
I had a similar experience some years ago with Esure who, after some years and for no reason, doubled my home insurance premium. I found a much better policy at less than I had been paying before which I found very gratifying!
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Morning zzaj, Totally agree with your point as to not buyng cheapest-but just hapens that the top 10 quotes from 2 of main 3 comparison websites are all within £20-£30 of eah other.
Will adda a further point that up until comparison websites came along, like me, I didn't realise there were so many companies (not just insurance) to choose from and for this reason, until comparison sites & t'interweb came along, such choices were not possible.
Have done a geat deal of searching of companies I would be looking to use but also good to have a review from a 'trusted none interested party'! As you point out, use a name you know does help, in this case (& admitted by them) company I am know certain to use is actually Avivs, in all but name!
However, will be taking a break from insurance searches etc., for the moment as having grandson this pm which am looking forward to (6 months of age) so it's all boys together...for a couple of hours anyway & have lready downloaded 'fart & burp piano', for his enjoyment, obviously!
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Insurance quoting is a mine field.
My insurance is due at the end of the month so I started looking around.
I got quotes from that 'singing' chap at 'Go Compare'
Tesco Bank quoted £396 so out of curiosity I went to the Tesco Bank website and for identical cover the quote was £442.
Lloyds, who I am currently with, refused to quote me on 'Go Compare' !
Vic.
Hi,
Please feel free to give us a try for insurance if you like.
Regards,
Dan.
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I am with nfu, each year my policy renewal is lower than the previous year, try them for a quote, you can speak to a real person based in the uk,
Chris
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Hi Dan & Chris, Will be doing further 'quotes' in few days time (after service & MOT & after recovery of having grandson!)) as will have to put correct date for insurance to start (knew the approx date but to enable to go click through & potentially buy early need exact date).
At same time will cert look at Adrian Flux and also NFU (agree big bonus is speaking with person, live). My original thoughts regarding car insurance is that they should be cheaper than previous years if all circs remain same (& view is they should if no fault claim made) but unfortunately as many find out this not always the case-again, loyalty seems to mean less each year!
Agree with others that seems to go in peaks and troughs-new customers get best deals, and possibly for year 2 and maybe, if lucky year 3! Then up it whacks & we start the marry go round again! (Goes to show that conspiracy theorists do have something, where all main companies, whatever business it maybe, eg supermarkets,
that they all get together at some secret location and decide between themselves what is to happen pricewise).
TY for pointers & let you enjoy last of our 'summer'!
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http://www.bbc.co.uk/news/business-44039846
Do read some of the Have Your Say comments at the end - particularly the highest rated.
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Correct me if I am wrong, but BISL are also behind AA Insurance Services, RAC Insurance Services and many many others too including comparethemarket.com !
Indeed, there's usually a string of them somewhere near the cheapest on the comparison sites. Lots of banks use BISL too, Halifax, Lloyds, etc.. I have used them when the price is too low to refuse, I paid about £120 all-in for house insurance a couple of years ago through Halifax - but when it's very cheap, BISL tends to jack the price right up on renewal.
At the cheaper end, I would always recommend trying Quotemehappy (Aviva). Quotes are usually competitive, maybe not the absolute cheapest, but we've been with them for a couple of spells and always found customer service helpful, they don't charge for policy changes, don't use auto renewal, and renewals are usually fair.
Make sure you try more than one comparison site. The same policy can be different prices on different compare sites, sometimes wildly different. In my experience, I find that confused.com usually has the cheapest quotes for me, probably more than 80% of the time, but I know that doesn't apply to everybody.
Finally, if you want the cheapest possible, don't forget to go through Quidco or Topcashback.
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'Quote Me Happy' do not quote for the over 75's.
Vic.
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'Quote Me Happy' do not quote for the over 75's.
Vic.
That's me out, for next year.... 🤔
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Hi Dan & Chris, Will be doing further 'quotes' in few days time (after service & MOT & after recovery of having grandson!)) as will have to put correct date for insurance to start (knew the approx date but to enable to go click through & potentially buy early need exact date).
At same time will cert look at Adrian Flux and also NFU (agree big bonus is speaking with person, live). My original thoughts regarding car insurance is that they should be cheaper than previous years if all circs remain same (& view is they should if no fault claim made) but unfortunately as many find out this not always the case-again, loyalty seems to mean less each year!
Agree with others that seems to go in peaks and troughs-new customers get best deals, and possibly for year 2 and maybe, if lucky year 3! Then up it whacks & we start the marry go round again! (Goes to show that conspiracy theorists do have something, where all main companies, whatever business it maybe, eg supermarkets,
that they all get together at some secret location and decide between themselves what is to happen pricewise).
TY for pointers & let you enjoy last of our 'summer'!
Ok no worries.
Regards,
Dan.
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'Quote Me Happy' do not quote for the over 75's.
I think quite a few of the lower cost insurers have restrictions on who they will quote. The only reason I mention QMH is that we have always found them very efficient and helpful for an online-only insurer.
Also, don't overlook brokers, such as Adrian Flux, particularly if your circumstances are less than straightforward. We found a broker very useful recently, being happy to honour proof of NCD over two years old, thus preserving full NCD which we thought would be lost.
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Having got my renewal from Lloyds with a £30 increase I decided to look further at quotes I had got from Go Compare.
I tried the Tesco one which was very competitive and corrected the start date and the premium went up by £40! I carried on comparing and came back to Tesco to find the premium had gone up again!
I phoned Lloyds saying I had got my renewal and that I could do a lot better than their quote, what can they do to compete and got a premium reduction of £60. That finished up being lower than last year.
I renewed with Lloyds.
Vic.
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I phoned Lloyds saying I had got my renewal and that I could do a lot better than their quote, what can they do to compete and got a premium reduction of £60.
Always worth a try, get your quotes and ring your insurer. More often than not, they will quote cheaper.
Don't tell them your cheapest quote unless you feel that it will help, I have had companies come down so much on the renewal that they beat the best quote!
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Morning All. Sparky, had already gone back to renewal company after getting alternative and they chopped £40 off-from £530 to £490 & admitted that may be the best they can do! That was when I was receiving quotes as low as £350 from QMH & couple of others at same price, which renewal company knew about! can't really see them coming down a further £140!
Went through pretty much same scenario 3-4 years ago & this why (I think made earlier comment) that companies seem to go through a 3 year cycle...2 cheap years and then astronomical rise in year 3 forcing a change & then 2-3 years down the line going back to original co who now quote 50% of what they did back when insured with them!
Will be going through motions and finalising this over next couple of days & will cert return to update! TY though.
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Hi All, As title says it all I think!
General query with other members. I recently received renewal in disbelief-my quote for coming year has risen by £110.00 - last years premium was £422.00 and now they want £532.00.
I received email from confused.com giving quotes (based on last years information) of lowest at £365.00. I also noted quote for current company of £406.00 (Alot less than renewal quote of £532.00).
The only factor that has changed is in July last year a 'no fault' claim was made and all costs recovered from other driver at fault (we were stationary at pedestrian crossing in supermarket car park & other driver reversed out of parking space causing damage to our bumper. It turned out that we were both insured by same company and insurance company called me explaining that othe driver was to blame & they would recover costs from same. Person calling also confirmed that this would not damage my no claims discount - which is true as it now stands at 9 years NCB - we would not be charged for hire car and effectively should be as though nothing ever happened as far as my circumstances were concerned) this is until we received the above quote adding in excess of 25% from last year.
Should also say at moment am waiting until Monday to speak with insurance company re their £532 figure, but in meantime I am also loathed to make any further enquiries with online comparison websites as this would mean I will have to include the 'no fault claim' for estimates (mention this as there are few companies that do not charge added premiums for no fault claims-if that makes sense).
Asking members for any advice on matter or any quotes they have received with or without 'no fault claim' & who with?
Many thanks for reading.
My renewal with L V has just come through at £263, last year was £268. Not too shabby in my opinion.
Sent from my iPad using Tapatalk
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Great going...£5.00 increase for renewal as oppose to mine of, initially, £530.00! Well all done & dusted, for next year at least.
Spoke 1stly with current company to advise will not be accepting their renewal & to just run current cover until end of month & not cancel-easier than expected to contact them. Should add when I was asked if I had had any cheaper alternatives for current company from any comparison sites, mentioned had seen quote for £440 (down from latest £490 they re-quoted so a further £50 off...a total so far of £90.00 off original renewal quote) but that offer was for new customers only...yet only at this stage they tell me they would still honour that cheaper quote, even though not new customer. Asked of they could match £340-350 that had been quoted by other co's, they said they couldn't/weren't allowed to! Anyway, not an unpleasant conversation & dealt with quite satisfactorily.
So, new quotes obtained with correct date for renewal. Along with QMH, next least inexpensive deal on 3 websites was, unsurprisingly (other co part of Aviva) General Accident, best deal £346 from (still) QMH and £3 more for GA at £349.00-decided to opt for GA, purely as they have UK telephone contact for 1st month after policy commences. All else all online same as pretty much previous company (save for case of claims). So, maybe a bit of work into it but saved best part of £200.00 smackers which more that paid for service and MOT-which was passed.
1 other bonus, was no need to mess about sending proof of NCD, as when speaking with advisor (due to at most inopportune time for broadnet to go on a wobbly) also learnt they can access previous company information, although not affiliated to previous insurers, which confirmed current NCD. All round, at moment happy chappy. Now to sit back with....
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1 other bonus, was no need to mess about sending proof of NCD, as when speaking with advisor (due to at most inopportune time for broadnet to go on a wobbly) also learnt they can access previous company information, although not affiliated to previous insurers, which confirmed current NCD.
Yes, a lot of companies can do that now. Even if they don't/can't, usually it's only a case of taking a photo of your renewal invitation and uploading it to the website.
It's so easy to swap insurance now, it's foolish to keep paying the renewals without question.
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Agree totally, Paul. To be honest, if they turned round and said 'we might not be able to match £350 approx, but we can come down to below £400' I would have seriously have to think twice-purely based on treatment & customer service received off them during 'no fault' claim last year-service could not be faulted in any way. Just a shame that they lost out, due to what can only be classed as greed!
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Wife insured her Yartis with Saga - £232 last year. They asked £280 this year. Cover with Sainsbury at £137.
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Sainsbury's gave me my best price, all things considered. This is my second year insured with them and any time I have had to phone then it has been a very painless experience.