It’s that time of year again…
…when the car insurance is due for renewal.
Every year I get the renewal from the current insurer which is generally silly money by the time you add back in the “free hire car”, “the legal expenses” and the “protected no claims bonus” and up the excess. They always seem to range from you-are-taking-the-piss (with the extras) to quite reasonable amounts of spondoolies (without the extras).
So once again I have spent some time recently getting quotes online from some of the larger organisations as well as a couple of the “we do the work for you sites”.
But today I noticed the following, despite the fact the I put down that I have held my licence for eighteen years (am I really that old?) it only shows on the online quotes as “> 3 years” and that pretty much applies to all of them. So do they take the length of my licence into account any more? I really do not know and no longer have the patience to play with the quotes any more.
All in all the reasonable priced quotes came in at around the same price as in around £350, the silly priced ones were in the £400 to £600 range.
Then I noticed that one of the companies that is also known for being one of the two largest breakdown organisations gives a discount if you are a member. At that point it occurred to me that we don’t actually have any breakdown cover. We bought the car new and it came with two years complimentary cover – which expired in May. So that needed sorting as well.
So going for the cheapest breakdown option (if it breaks it is either fixed or taken to a garage) of £31.74, and then putting the membership number into the insurance quote brought the insurance quote down by a tad more than the breakdown cover and into the really quite agreeable range to the extent that it was the cheapest.
That will do nicely. The quote has been saved online and I will deign to pay it at my leisure in the next couple of weeks.
For those of you who watch Formula1 in the UK, it would be hard not to notice the Swiftcover insurance adverts, the company that does “insurance without call centres to save you money”, well thats all well and good if the website actually works. This afternoon it did not, so I did not even have the pleasure of extracting a quote from them.
The other thing that makes me chuckle is that most companies will “guarantee to beat your renewal price”, of course they can – because its rigged to start with. Now if only they gave sensible prices to start with.