So my girlfriend rang me in the week saying our car insurance was due for renewal. We was paying £900 fully comp on an Audi A6 2.0 limited edition. we made a claim last November for a non fault accident where a metal recycling truck had caught a weelie bin and dragged it down the whole n/s causing over £2000 worth of damage and he didn’t stop.
Luckily next door have got a cctv camera which looks out onto his and our car and it caught the whole incident. we sent the footage off to our insurance company? The recycling company refused to admit liability even though there was the footage and it took over 4 month of them giving false details to our insurers and getting letters sent out threatening legal action for them to admit responsibility and their insurers paying out
All through proceedings our insurers told us it wouldn’t affect our policy or no claims as the other company’s insurance company paid out. Yeah right! 
Our policy has gone up from £900 to £1600! 
When our lass questioned why she was told because of the claim we put in.
She went barmy telling them we was told by them it wouldn’t affect our premium and to shove their new policy up their arse. They then had the cheek to say they had knocked us £150 off! 
Anyway she went on the internet that night and got a quote with quote me happy for £500. Nothing but a bunch of lying parasites
£900 for an Audi 2lt ? Did you used to park it in Beirut overnight ? 
That was way over the top and the incident with the recycling truck has done you a favour if it dropped to a more sensible £500 now.
The comparison sites are well worth a quick browse, as I’ve always found insurers to be bigger liars than double glazing salesmen.
And loyalty counts for nothing, you will always get a better deal as a new customer than an existing one, so it’s well worth changing every year anyway, never accept the renewal.
tallyman:
And loyalty counts for nothing, you will always get a better deal as a new customer than an existing one, so it’s well worth changing every year anyway, never accept the renewal.
Totally true every year I get it cheaper with a new company
yorkshire terrier:
tallyman:
And loyalty counts for nothing, you will always get a better deal as a new customer than an existing one, so it’s well worth changing every year anyway, never accept the renewal.Totally true every year I get it cheaper with a new company
+1 always shop around as soon as the reminder drops on the mat. Rarely stayed with the existing company. Do it for everything not just car insurance, house & contents, Gas & electric, mobile phone, TV & Internet the lot, even bank account. You always get a better deal.
LIBERTY_GUY:
£900 for an Audi 2lt ? Did you used to park it in Beirut overnight ?
That’s what I thought. My 2L MK4 Mondeo is £180 fully comp. Hell my 19 year old son drives around in a 2 litre MK3 Mondeo and his insurance fully comp on that is only £700.
Up until my last renewal I was with Swinton but never again. I had a traders policy which cost me £680 per year but when it was due for renewal they wanted to know my annual turnover, told them but they said it was not enough and wouldn’t be able to renew. OK then send me my proof of N/C and I’ll go elsewhere. Went online and found another company but less well known who quoted me £463 with more benefits and no question about turnover. When I printed off the certificates I needed I found the underwriter was exactly the same one that the thieving Swinton lot had charged me an extra £217 for.
Moral of the story … check around before you buy.
a few years back we used swinton, renewal came and it was a few quid more then it advertised on go compare, and the go compare policy was offering £50 cash back on top, so i went with a different insurer. a few weeks passed then i received a cancellation notice from my new insurer saying I had lied on the application thing, contacted them and it turned out that when they chased my no claims from swinton, swinton had told them I had an accident… even though I have never yet had any accident or claim? contacted my local Swinton office, they claimed I had an accident, could,nt tell me who had contacted them and it was a no claim accident but an accident all the same? now it turns out that anyone can contact the insurer and state you have had an accident and it gets recorded, whether there is a claim or not and in my case no evidence of who you are ect… ended up getting ombudsmen involved to get it removed.
The comparison sites are very handy, I am with Tesco Bank for my insurance, last year paid 500 or so, got my renewal through and they wanted to charge me 800, went on the meerkat site, got it for 400… with Tesco Bank? Where is the logic, they must take us for idiots when they send renewals through.
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Set up an email address that you don’t use for anything else.
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Go on Confused.com and get the cheapest quote using your new email address and a password you don’t use anywhere else.
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Phone Cornmarket Insurance (used to be called Adelaide Insurance), tell them you are an HGV driver, tell them your cheapest quote, give them your Confused log in details including email address and password, they will check it, give you like-for-like cover and beat the price.
You can’t beat a classic policy on the right car.I’ve just renewed the full comp agreed value policy on my modified 350 + hp 6.0 Litre V12 Jag XJ and was told it’s been reduced from the previous around £300 to £250 because it has recently turned 30 years old. 
Once upon a time - Insurace companies were like Bookmaking Layers. They covered everything, and fully expected to be paying out somewhere at all times.
Nowdays, they chase the “high risk” premiums like boy racers, partially sighted, and dodgy cars with a long recall history for the brand. The result? - They end up laying all the “favourites” to make claims, but then they get snotty about having to pay out - even amounts less than the insured pays in premiums!
FFS If I walked into the local turf accountants and stuck a grand on a favourite or a grand on a rag and it wins - I get paid out £2000-£250,000 no quibble.
Maybe we should all start enquiring at Ladbrokes as to “What price my car being written off by a third party in the next 12 months”?
If your car is worth say, £9000 then if they quote you 20-1 odds, then your premium for the year is going to be £450… Competetive in today’s market eh?
As and when some idiot trashes your car - you get the £9000 paid out the moment you hand the proof of scrappage over to the layer… No waiting months, no need for legal action just to get what you’ve already paid for, and no being told “sorry bud, we’re only paying you out less, 'cos we’ve cut the odds on you in future” - You’d just go across the road if their renewal quote were no longer competetive…
How about it bookmakers? - Think you could measure up to the big boy insurers who don’t know how to lay in a brothel? 
(My own car got written off a year ago, and I got paid out finally a couple of months back - only after I threatened to bring a “personal injury” case for stress caused by the other insurer’s foot-dragging… ) 
Use the comparison sites to find the lowest quote, then contact Cornmarket (formerly Adelaide), they specialise in HGV/PSV and IAM motorists, they will usually match the lowest quote (they will want to log on to your quote to see it for themselves).
The original policy price shocked me, we pay £700 for three high grouped vehicles, 2 with Adelaide, one with Saga (also very nice to deal with) who also provided a sensible renewal quote.
Juddian:
Use the comparison sites to find the lowest quote, then contact Cornmarket (formerly Adelaide), they specialise in HGV/PSV and IAM motorists, they will usually match the lowest quote (they will want to log on to your quote to see it for themselves).
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Surely if all they’re going to do is match it you may as well just go with the lowest quote on the website?
Conor:
Juddian:
Use the comparison sites to find the lowest quote, then contact Cornmarket (formerly Adelaide), they specialise in HGV/PSV and IAM motorists, they will usually match the lowest quote (they will want to log on to your quote to see it for themselves).
.Surely if all they’re going to do is match it you may as well just go with the lowest quote on the website?
No, I do the same, find the cheapest quote I can ( plus check it is the level of cover I want ) then ask my prefered company to at least match it.
Regards. John.
Conor:
Surely if all they’re going to do is match it you may as well just go with the lowest quote on the website?
No, they will significantly undercut it, they are an insurance company who specialise in insuring HGV drivers in their private cars, there have been numerous threads on Adelaide/Cornmarket here before and a lot of people here have saved a lot of money.
tallyman:
And loyalty counts for nothing, you will always get a better deal as a new customer than an existing one, so it’s well worth changing every year anyway, never accept the renewal.
Normally, yes but having recently insured both our cars, our existing insurers quoted pretty much the same as the top three or four on line quotes. These were both automatic renewals which I normally detest but for the sake of a few quid I’m sticking with them. I will change next year as I don’t believe they’ll quote the best price two years in a row.
Conor:
Juddian:
Use the comparison sites to find the lowest quote, then contact Cornmarket (formerly Adelaide), they specialise in HGV/PSV and IAM motorists, they will usually match the lowest quote (they will want to log on to your quote to see it for themselves).
.Surely if all they’re going to do is match it you may as well just go with the lowest quote on the website?
They got my cheapest quote then knocked another £50 off of it and added extras to the cover offered. Great friendly guys to deal with too. Set up in minutes and all documents received by email straight away.
Well worth a phone call just in case. As Juddian says just give them your ‘go compare, money supermarket etc’ login details so they can verify your quote.
old 67:
Conor:
Juddian:
Use the comparison sites to find the lowest quote, then contact Cornmarket (formerly Adelaide), they specialise in HGV/PSV and IAM motorists, they will usually match the lowest quote (they will want to log on to your quote to see it for themselves).
.Surely if all they’re going to do is match it you may as well just go with the lowest quote on the website?
No, I do the same, find the cheapest quote I can ( plus check it is the level of cover I want ) then ask my prefered company to at least match it.
Regards. John.
Yeah, I’ve been with Adelaide 3 or 4 years now. I’ve always got a quote off a comparison site, then they’ve always beaten the lowest quote I’ve been given by maybe £15-£20
The problem with the “cheapest quote” is that they’ve often knocked off something on the sly that you might fail to notice.
(1) Slightly increase your excess (like, double it)
(2) Add legal cover, but knock off the “free replacement windscreen” cover
(3) No Euro cover as standard with this insurer. Not good if you like doing booze cruises like me living in Kent as I do…
(4) Premium rate phone numbers to call in the event of any claims/general enquiries.
(5) Premium might be low insisting you get a dashcam with the firm they have a kickback deal with… OK if you’re happy with this I suppose.
One thing it hardly EVER is though is EXACTLY “like for like”.
Every time I ask for “like for like” they’re always trying to knock up my excess with everything else in place as before, including the premium match. The excess being marked up to say, £500 for a car I’ve only paid £500-£1000 for in the first place seems totally ludicrous to me, so I sadly walk away from such duff deals.
“You failed to match like for like” I tell them. "Like for like means EXACTLY the same coverage for the same money OR slightly less coverage for a worthwhile lesser amount of money" says I…
I’m Mr Easy to sell to for the honest man - but a bugger to close a sale with if any of the patter was contaminated with bulls hit - as sadly it so often is. 