don’t touch Churchill insurance,i was with them for 10 years had full no claims but my policy kept going up every year,i asked why as they never heard a peep out of me at all and that it should be going down not up every year,the final cost was £599 for third party fire and theft,i told them where to go went online and got fully comp for half that,no wonder the dog laughs,its laughing at the way Churchill rips off its customers
raymundo:
No, luckily not !!
Which is why they’ve not asked for the proof.
It’s easier and more profitable for the bottom feeding Insurers involved in this part of the market to ask for proof when you make a claim, then if you can’t provide evidence you’re a bona fide motor trader and not just someone who thought they could get a policy covering any car if they pretend to be a trader. Then they can void the policy and the Insurer can (Eventually) not have to pay the claim out as they pass it back to the (ex) customer.
The checks on you being a bona fide when you’re pulled are generally triggered by suspicious traffic police who tend to be extra suspicious when dealing with traders insurance and have a habit of reporting to Insurers when they suspect it’s not a proper motortrader or what’s more common someone who has no proper connection to the motortrader added as a favour to try and enable them to drive any vehicle
Conor:
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.
■■■■ me I paid that for a 1.2 and I’m 20 (might have been 19 when I paid for this year).
I insure my two Land Rovers with Adrian Flux, and they will always match any online quote I get.
But apparently any claims, fault or not, are handled by another company, and it can turn into a nightmare, and any savings and more are lost dealing with these other clowns.
Renewed with cornmarket today. Now starting my 3rd year with them. Shopped around as I usually do at renewal time and managed to find a like for like policy cheaper from Alexander Orlov the meerkat that was £100 cheaper. Gave cornmarket my login details so they could check for themselves. They came back with a quote that was £40 cheaper than my compare the market quote. So saved £140. And also, cornmarket have some of the most friendly call centre staff I have ever encountered. Can’t recommend them enough really.
damoq:
And also, cornmarket have some of the most friendly call centre staff I have ever encountered.
Friendly, if a little difficult to understand at times, to be sure to be sure. 
Flux are good. The whole having to compare thing every year is tiring but necessary.
Forget the large brokers or companies like Aviva etc especially if your young. Direct line and Churchill are better priced I find.
another thing, my father in law lived with us during the week for a while as he was at the local uni as a mature student and it saved him travelling 100+ miles a day, his car was insured for my address, we moved whilst he was still with us both informed our seperate insurers. my policy premium went down as the insurer said we had moved to a better area, yet father in laws went up. and they are supposed to use the same database…
Harry Monk:
Set up an email address that you don’t use for anything else.
Go on Confused.com and get the cheapest quote using your new email address and a password you don’t use anywhere else.
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.
Thanks for this Harry, I’ll give this a go when my insurance is up for renewal.
I was with Adelaide/Cornmarket and they quoted me over £900 because I had made a claim on the policy, so used the comparison sites and found a quote with AXA that was £500 cheaper and to be fair to Cornmarket they said they couldn’t beat it…
And I get a free meerkat, so I’ve got a Sergei coming 
Harry Monk:
damoq:
And also, cornmarket have some of the most friendly call centre staff I have ever encountered.Friendly, if a little difficult to understand at times, to be sure to be sure.
Was going to say they also have UK call centres, 
but yep can be a bit difficult to understand, but always very helpful.
I changed cars in January and got the policy changed over in a few minutes whilst I was in a friends car going from the scrapyard where I driven my old car to the garage to pick up my new car, (well another cheap banger 
) They’d sorted the change over, and emailed my docs before I got the the garage and they didn’t charge for the service.
I now been with them for 3 years and they’ve always been better than any quote I can find online, and they include driving other cars with the owners permission, which a lot of the cheap insurance companies don’t do.
dle1uk:
another thing, my father in law lived with us during the week for a while as he was at the local uni as a mature student and it saved him travelling 100+ miles a day, his car was insured for my address, we moved whilst he was still with us both informed our seperate insurers. my policy premium went down as the insurer said we had moved to a better area, yet father in laws went up. and they are supposed to use the same database…
There’s no central database, each Insurer has it’s own historical data and it’s own rating areas.
They would only be using the same database if you were both insured with the same Insurer
thecouch:
dle1uk:
another thing, my father in law lived with us during the week for a while as he was at the local uni as a mature student and it saved him travelling 100+ miles a day, his car was insured for my address, we moved whilst he was still with us both informed our seperate insurers. my policy premium went down as the insurer said we had moved to a better area, yet father in laws went up. and they are supposed to use the same database…There’s no central database, each Insurer has it’s own historical data and it’s own rating areas.
They would only be using the same database if you were both insured with the same Insurer
Are you sure about that? What about the motor insurance database??
bazza123:
thecouch:
dle1uk:
another thing, my father in law lived with us during the week for a while as he was at the local uni as a mature student and it saved him travelling 100+ miles a day, his car was insured for my address, we moved whilst he was still with us both informed our seperate insurers. my policy premium went down as the insurer said we had moved to a better area, yet father in laws went up. and they are supposed to use the same database…There’s no central database, each Insurer has it’s own historical data and it’s own rating areas.
They would only be using the same database if you were both insured with the same Insurer
Are you sure about that? What about the motor insurance database??
Absolutely positive.
Motor Insurance Database (MID) is an European Union initiative to have central databases of who a vehicle is insured by to assist in Insurers, MIB and associated claims companies deal with claims and for the authorities eg DVLA and Police to check the status of whether the vehicle is insured.
mib.org.uk/Motor+Insurance+D … efault.htm
Each Insurer uses it’s own historical statistics to work out it’s own rating area for post codes which is one of the reasons premiums can vary so much between Insurers especially on Home Insurance.
Feel free to have a google and come back with a few websites who pretend there is a central post code database when all the original website did was copy Aviva’s Motorcycle rating guide from about ten years ago and assert that this gives a good indication of postal codes. All the websites carrying this are just showing what areas Aviva allocated for Motorcycle Insurance ten years ago which even then was massively different from Aviva’s car insurance post codes and was completely different to other Insurers post code rating areas. The information it contains is even more out of date now as Insurers use far more complex data to arrive at rating areas