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Insurance

I think I have had a result. I am with General Accident and my renewal quote came in at £160 pa as last years was £162 I was pleased. When I went to the pay section it said if I pay on line early they reduce the price to £140 . Anyone else had this?
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Comments

  • I've not heard of this on car insurance, I used to get a 10% discount if I paid my phone bill early, rather than leaving it to direct debit - which one call centre agent told me was because it was cheaper for them to process a card payment than direct debit, so could be related to that. May also have something to do with trying to keep business, given the high competition in the sector with all the comparison sites, they keep you as a customer and don't have to shell out probably more than £20 on the average policy to the comparison site. I know I have many times cancelled my insurance only to buy it from the same or sister company via a comparison site for less, whilst I could just ask them to match it, I wouldn't get a free meerkat that way! :p
  • What is my 3 litre V6 automatic now worth? I'm about to talk to my insurer about a realistic value of £3,000 ... It looks "well used". Too much ?
  • edited April 10
    Sounds about right for "well used" George, that's towards the lower end of values for a V6 Privilege.
  • Just paid £215 for insurance (it was £205 a few days ago, but they don't seem to keep your quotes now) with quotemehappy.com (who are an online only version of Aviva). Also get a £20 cheque for buying from confused (sposed to get a Texaco voucher, but there are no Texaco stations in scotland, so we get a cheque instead apparently!) plus because they are an online only company they dont charge an admin fee for changes, which is handy as thats usually £30 and I swap my cars round for the winter (well, I will need to get my multipla through an MOT first, just failed miserably).
    Took the Avantime out for a midnight run to make sure it was all in working order whilst the roads were empty. Now I just need some of the weather we had over Easter!
  • Has anyone had an issue with their insurance when fitting an replacement (ie aftermarket) exhaust? The underwriters have advised they won’t cover it even though I’ve explained I can’t get an original one :/

    I am currently paying around £280 pa with BISL. (Through M&S Insurance) they’ve said they can rebroke it at £600!! :#

    Comparing the meerkat I’ve found a couple of alternatives at sub £300 but wondered if anyone had any experience of this issue before I go through the process of switching?

    I think the insurers key concern is whether the exhaust adds any power.
  • Even £280 sounds expensive for your area. £600 would be expensive in the northwest.
  • Comparison sites let you put modifications on now in their forms, so you get a correct price. I don't put that my exhaust or suspension is non-standard, on the basis they will never check, even if I crash it, and if they did, doubt they would know what it originally had. Unless you specified a power increasing exhaust, its unlikely you would have one, and the Avantime is pretty low powered by todays standards, so even if you did have a power increasing one, it's hardly like you will be embarrassing GTIs
  • Thanks chaps. I have it on a separate policy with my wife as main driver, so there’s 10 years NCD (whereas on my other car there’s 20 plus years). Perhaps that’s why premiums a bit higher?
    Re exhaust I take your point. It’s a stainless one from MIJ. I’ve gone for a ‘mid sport’ version which is slightly less baffled so wanted to err on the side of caution!
  • AA suggested I get mine rolling road tested for accurate BHP figures, if I intended to leave the conical air filter on ... naturally I removed it.
    I'm as honest as my hair is long ... and
    the MOT is also due next week.
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