Car insurance east dulwich

[mary123]

Trying to establish if my car insurance is expensive because I have moved to ED and now have a se22 postcode or just pricey.. renewal is due on Friday

[bargee99]

Hi Mary123,

I live in SE22 and I bought a newish car last year. My Insurance company of 15 years put my premium up by more than 60%. Upon renewal I did an online search as advised and got full comp, protected no claims and legal cover (so not a slimmed down policy) for less than half my old company's quote.

I have literally just renewed it since it is now 10% lower than last year. I did fear that it would be hiked upon renewal and also due to the government's increase in

insurance tax so was pleased with the drop. It really pays to shop around and not stay with an old company at renewal. They have no customer loyalty so neither should you.

Good luck with your search.

[mary123]

Hello bargee99

Thanks for message..which company did you renew with.

[bargee99]

I went with QuotemeHappy which is the online version of Aviva. All done online unless you need to make a claim which I quite like. I used to be with Elephant.

I also found the same problem with house insurance. My mother had been with Saga for several years having been wooed by a very good rate of about ?250 a year for full cover house contents and property. A few years later it had reached ?750 a year for the same cover with no claims having been made. When I contacted them they couldn't explain why it had got so much but they would also not reduce it. I took out a new policy in my name, since I also live in the house as a carer, with Prudential (a well respected company I think) for their fullest cover for ?200 per year. It also meant I was a new policy holder so no discount applied which makes it even better as a deal. Shame on Saga and their treatment of old people.

[indiepanda]

Pretty much all insurance companies punish loyalty, just like energy suppliers, mobile providers etc, if you don't shop around they will hike up the rates year by year. Best rates reserved for new customers (or really stroppy existing ones they think they are going to lose).

I got about ?150 off my car insurance (with Admiral) this year by doing a quote online and challenging my current insurer to beat the best alternative.

The only thing I struggle to move is home insurance as lots of providers are convinced this area is a high subsidence area and either won't quote or quote silly rates. I even tried a specialist company recommended on here and found they tried to slap a ?40k excess on subsidence and hid it in the small print even though I had specifically said I wanted to make sure I was covered for that given how anxious the insurers seemed to be about it. However, even here I tend to whinge about the renewal quote most years and stop my insurer increasing the premium too much.

[Townleygreen]

Strangely, my insurer, Esure, doesn't raise it's rates hugely each year. I always check with go compare etc but can't seem to ever beat their renewal premium.

Might be worth a try?

[mary123]

Thank you all. I managed to get a better renewal with admiral after a few days of searches and phoning ..I have learned the companies are in the same cluster groups and can see our searches..

[bargee99]

Hi Mary123,

Glad that you are sorted with the car insurance.

Same apples for house and fuel I'm afraid. We all need to look around for the best deal.

[Sue]

Don't necessarily go for the cheapest though.

I always look at reviews of customer service, as well.

[singalto]

I am in the process of renewing my home insurance. My renewal premium is ?180 through the RAC. The singing comparison website quotes from ?470 to ?2015!

[bargee99]

I agree with Sue that price is not the only thing to look at. A balance between service and cost is needed. I love the "singing website" reference singalato. What a massive difference in quotes and so high. What on earth is going on there?