Clubjazz - Honda Jazz & HR-V Forums
Honda Jazz Forums => Honda Jazz Mk2 2008-2015 => Topic started by: Trebor on January 09, 2021, 10:51:32 AM
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Hi there fellow jazzers,my insurance runs out on the 26 /1/2021,can any one put me in touch with a decent insurance company,I'm with the AA at the moment,do you ever get the feeling you are getting reapt off.
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If you keep paying the renewals, some insurers will keep creeping up the premium. It's not easy to recommend a particular insurer, the one which works out best for you will depend upon your own circumstances.
Sign up with a couple of comparison sites and get some quotes. MoneySavingExpert's car insurance guide is a good start
https://www.moneysavingexpert.com/insurance/car-insurance/
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Thanks for the reply Sparky.
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Try confused.com, comparetyemarket.com and the rest. You have to do this every year, say 21 days before your expiry date.
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I check the comparison sites about 28 days before renewal. I look for the cheapest quote from a company I trust/have heard of. I then phone my current insurer and ask them to match the price. If they match it or get within a few quid, I renew, if not I swap.
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I did a couple of phone call renewals with the AA after getting high quotes, they dropped the renewal down to competitive amounts (from comparison sites), so I was fine with that. The following year I just got fed up with the game and went with LV, who get pretty good reviews on trustpilot etc. I haven't had to make any claims etc so can't really comment from first hand experience.
I do have an Aviva policy which has some advantages (no charge for changes, fully comp cover for a limited period on someone else's car etc) albeit at a modest extra cost compared to others. They promise to give renewal quotes no higher than a new customer would get, and last renewal actually went down.
I haven't had to claim, but review ratings aren't particularly good so I keep my fingers crossed I won't.
It's a lottery. As Jocko says, I've heard that about 3 weeks before renewal is the best time to get the most competitive quotes (shows you are prepared to take action in good time etc, marketing psychology).
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Aviva is rubbish. Had a claim back in Sept 2018-To cut a long story very short, despite having a dashcam video they went to a arbitration without my clip and conclude it was 50/50! Further they didn't even tell me until I called them in Feb 2020 despite regularly contacting them as it was affecting my other's car premium. In the end they did go back to my favour as I was going to take them to the Ombudsman.
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My experience is that they are all good until you have an incident or make a claim.
I am with LV and just talking to them to ask advice went down on my records and they tried to put my policy up on the next renewal, even though no claim was made by either party. After arguing with them, they relented.
Out of interest, the conversation was about someone reversing into me in a public carpark on which they said that even if dashcam footage was supplied and the other party admitting they were at fault, they would treat it as 50/50. It's a joke.
They are all rouges in my onion.
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My experience is that they are all good until you have an incident or make a claim.
I am with LV and just talking to them to ask advice went down on my records and they tried to put my policy up on the next renewal, even though no claim was made by either party. After arguing with them, they relented.
Out of interest, the conversation was about someone reversing into me in a public carpark on which they said that even if dashcam footage was supplied and the other party admitting they were at fault, they would treat it as 50/50. It's a joke.
They are all rouges in my onion.
In my experience, complain to the company and ask for some compensation. If not successful you can go to the financial ombudsman. That's the only way to get them to listen. For my case I complained three times and they paid me £250 in total. Also speak to claims dept manager. Claim handler usually not experienced in dealing with complex cases or claims.
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Driving over 50 yes in UK Europe & US I've found insurance companies have become focussed on new business. So shop around years ago Direct Line shook up the market then the web enabled companies to offer a miriad of quotes.
Best bet do not autorenew but find a UK company which has reasonable customer service record. Companies are happy to take money off you and slow to pay when needed. Shop around.....
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For many years now we have used John Lewis as our vehicle insurers, first class service, staff are polite and knowledgeable.
No complaints at all.
However having read the various observations of other posters on this subject, a traverse into other options will be considered.
Thank you to you all and keep safe in these very unsafe times.
Perhaps we will all look back on this in times to come and muse regarding how quickly all of the world was plunged into chaos by a virus
And how quickly some recovered enough go on to supply all the shortages of equipment required worldwide
Food for thought.
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Read this guide and follow it. https://www.moneysavingexpert.com/motor-insurance/
It tells you how to do it in detail AND WHEN.
Doing it last minute is no good.
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Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.
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just had reason to contact my insurance ,
swapping my 61 plate Mk2 for a 15plate Mk2,the wife and I love the panorama roof,
same colour ,same Model ,EX,
charged me £54 and £24 admin fee,
this is after being renewed in mid december.
One Call,I have now heard they can be expensive for alterations .
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just had reason to contact my insurance ,
swapping my 61 plate Mk2 for a 15plate Mk2,the wife and I love the panorama roof,
same colour ,same Model ,EX,
charged me £54 and £24 admin fee,
this is after being renewed in mid december.
One Call,I have now heard they can be expensive for alterations .
Changing cars mid way through it's always not good! The insurance company knows you have to stick with them.
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swapping my 61 plate Mk2 for a 15plate Mk2,the wife and I love the panorama roof,
same colour ,same Model ,EX,
charged me £54 and £24 admin fee,
this is after being renewed in mid december.
You are going to pay more as the car is new to you, regardless of the fact that it's more or less the same car - your premium reduces, the longer you have owned a car. There aren't many companies that don't charge any admin fees, Aviva group companies spring to mind... other half is with quotemehappy, I think they charged her about £20 to swap from the old Jazz, and no admin fee.
Bear in mind that panoramic roofs are not generally covered under the glass policy, any damage means a full claim on the policy. Ours has one, I would preferred it without - OH always has it covered up, the only reason she chose it was that the best two cars at the dealer both had them.
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In my experience insurance has never decreased with car age. They always try and push it up year on year.
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In my experience insurance has never decreased with car age. They always try and push it up year on year.
Nothing to do with the age of the car, it's the length of time you've owned it that matters.
Of course, any reduction can be swallowed up by general premium increases, but for an identical car, it will be cheaper to insure one you've owned several years than one you just purchased. If you have your details on a comparison site, it's very easily proved by changing the length of time you've owned the car, or try getting a quote for an identical vehicle, same age, etc., but say you have only just bought it.
I've owned some cars 10-15 years, and by then, it makes a substantial difference. I've had this car since 2018, and I'm already paying about 15% less now than when I bought it, same insurer, always full NCD. It doesn't pay to keep swapping cars.
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Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.
I did Dan expecting a good outcome. Quotes for both of my cars were over £50 more each for less cover! My current policies are AvivaPlus so was amazed AF couldn't compete.
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Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.
I did Dan expecting a good outcome. Quotes for both of my cars were over £50 more each for less cover! My current policies are AvivaPlus so was amazed AF couldn't compete.
Hi.
I'm sorry we were unable to offer a more competitive quotation for your vehicles. Unfortunately were can't always compete on every quote. I only wish we could.
Thanks for giving us a try though. Much appreciated.
Regards,
Dan.
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To be fair, many direct insurers target certain demographics that they deem a lower risk, and are content to suck all these customers in for tiny margins - and even the demographic varies by company.
As Dan says, a broker can't beat every quote out there, but for lots of customers, they can be very useful.
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I find I have to shop around to get quotes.
I've got over a 50 year blemish free record, never claimed, but year on year DL tried the auto renew +30% trick and each year they reduced it on complaint.
Last year I decided enough was enough and went elsewhere.
I'm not sure whether DL were cross, angry or bemused why I didn't phone in again.
What bugged me with DL was that I'd been asking them to delete my CC details so they couldn't auto renew but they obviously didn't as the auto renew letter kept arriving annually. Not sure with GDPR whether they were breaking the law ?
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I find I have to shop around to get quotes.
I've got over a 50 year blemish free record, never claimed, but year on year DL tried the auto renew +30% trick and each year they reduced it on complaint.
Last year I decided enough was enough and went elsewhere.
I'm not sure whether DL were cross, angry or bemused why I didn't phone in again.
What bugged me with DL was that I'd been asking them to delete my CC details so they couldn't auto renew but they obviously didn't as the auto renew letter kept arriving annually. Not sure with GDPR whether they were breaking the law ?
Standard industry practice. They are not angry as for every one Customer that has left or reduce the price, another 9 probably stayed on and accepted the 30% increase!
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What bugged me with DL was that I'd been asking them to delete my CC details so they couldn't auto renew but they obviously didn't as the auto renew letter kept arriving annually. Not sure with GDPR whether they were breaking the law ?
I have recently had the joy of finding a new provider for our home insurance. They make it clear it's going to be auto renew and to contact them to stop it. I simply used their chat facility once the policy number had been issued and got the auto ren stopped. I have a copy of the chat in my file should it be needed.
In an ideal world, we wouldn't need to shop around, but it is how the market works. It just goes with the territory of owning something that needs insuring.