Best Insurance Comparison Site

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Sun 28 Sep 2008 12:39
Best Insurance Comparison Site - Nsar
Tried Confused and Go Compare. Any others I should try?

Incidentally I got a renewal quote for £1100 from current insurer. Got £520 from the same insurer via Confused then realised I had forgotten to mention on confused a claim for damaged bodywork following a tyre blow-out this year, so I called the insurer and explained the situation and asked them to re-quote taking this into consideration. They added £80 to the Confused price so I bought it there and then, but they said I had to call to cancel current policy otherwise it would be automatically re-newed. I did this and the person I spoke to said I should not have accepted the revised price because I was deliberately misleading them because I had not asked them to consider the impact on my no-claims which had gone from 5 years to 2 years because of the blow-out claim - which was mentioned on page three of five of my renewal notice.

I have to say lost my rag a bit here and pointed out that I had called them to make sure that they were quoting with the right info and it was not my job to make sure that they understood that a claim might affect my no-claims bonus.

I was more than irritated by this approach and looking again at my renewal notice, amongst other errors such the wrong registration and mis-spelled names of the crivers it lists the blow-out as a "fault" claim. Is it normal for a blow-out to be a fault of the policy holder?



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Sun 28 Sep 2008 12:48
Best Insurance Comparison Site - prm72
I found Moneysupermarket.com cheaper than confused.
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Sun 28 Sep 2008 13:04
Best Insurance Comparison Site - gordonbennet
IIRC not all insurance companies are signed up to these comparison sites, I'm sure unless things have changed that for instance NFU who are my insurer don't appear on them, there are probably many others too.

Cheapest isn't always best which isn't discovered till something happens.

Always been my experience that the billing departments of most companies are remarkably more efficient than other depts, never seem to make a mistake and forget to take the money.
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Sun 28 Sep 2008 22:29
Best Insurance Comparison Site - cheddar
I have found Confused best though always worth going through to the insurers site to refine the details there.
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Sun 28 Sep 2008 22:40
Best Insurance Comparison Site - desm
This link has a good guide to how to keep your insurance costs down: www.moneysavingexpert.com/insurance/compare-cheap-...e
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Mon 29 Sep 2008 00:08
Best Insurance Comparison Site - Blue {P}
I got my latest policy through www.moneysupermarket.com and saved a packet compared to Confused.com

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Mon 29 Sep 2008 09:57
Best Insurance Comparison Site - daveyjp
Tesco compare. TBH I don't trust any of them, they are all commission led just like the energy comparison sites. Often I've had a good quote from a comparison site only for it to increase dramatically once I've completed a full proposal form.
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Mon 29 Sep 2008 10:31
Best Insurance Comparison Site - DP
TBH I don't trust any of them they are all commission led just
like the energy comparison sites. Often I've had a good quote from a comparison site
only for it to increase dramatically once I've completed a full proposal form.


I've used confused for the past three years, as has SWMBO, and not once have I paid a penny more than the quoted premium when taking out a policy. The site asks all pertinent risk-related questions, and as long as you answer them honestly, there are no grounds to up the premium when you decide to go ahead. In fact, I don't think I've ever done any more than sign the proposal form, as all the information is pre-filled out from the confused session.

I like these sites. They save a fortune, and allow an easy comparison of policy details and benefits (excesses, hire car, windscreen, legal expense cover, breakdown cover etc) on a single screen. You can make a judgement from there whether to spend a bit more and get slightly better cover, or just go for the cheapest, or whether to go for that known brand or risk a smaller broker.

Cheers
DP
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Mon 29 Sep 2008 17:15
Best Insurance Comparison Site - Stuartli
they are all commission led just like the energy comparison sites>>


So are insurance brokers..:-)

I use the comparison websites to find the best deals and then go direct to the website of the insurance company or companies concerned - they generally match the websites' quotes.

By the way, uSwitch is regarded as independent to the best of my knowledge for fuel quotes.

Edited by Stuartli on 29/09/2008 at 17:16

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Mon 29 Sep 2008 16:37
Best Insurance Comparison Site - Statistical outlier
Martin Lewis of MoneySavingExpert fame has a complete guide detailing which sites to use, and in which order, to save the max amount possible. Full details here:

tinyurl.com/33glp2

It worked well for me, and usefully, he even tells you who it doesn't cover and where to go to check.
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Mon 29 Sep 2008 17:03
Best Insurance Comparison Site - Bill Payer
Considering that she's now over 25 - where has the time gone? :) - I thought my daughter's renewal with Admiral for her Ibiza was high at £380. MoneySupermarket.com had various low quotes but the lowest from a company I recognised was £230 from Bell...an Admiral company.

So, called Admiral, got very friendly lady in the Canadian call centre. She reviewd the Admiral renewal and requoted £270. The I told her about the Bell quote - she looked it up (all Admiral people appear to work across their group companies) and agreed the quote was valid and matched the price. Daughter thinks I'm amazing. :))
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Mon 29 Sep 2008 18:03
Best Insurance Comparison Site - GJD
the blow-out as a "fault" claim. Is it normal for a blow-out to be a
fault of the policy holder?


Isn't that standard in the insurance industry? The actual distinction that they seem to care about for your history is "claims that were ultimately paid by your insurance policy" vs "claims that were ultimately paid by another party's insurance policy". It's just that they use the words "fault" and "non-fault" as the respective names for those concepts.

The claim after your blowout was presumably paid by your own insurance company so falls into the bucket called "fault". It's annoying, but in my experience a universal error of semantics.

As for insurance comparison sites, personally I don't like any of them. I just use them to see if any surprise names I wouldn't have thought of contacting have bubbled to the top, but I've never benefited yet. My current insurance company makes a big thing of not being on any comparison sites. The best price I get from a comparison site is usually 20-50% more than my renewal quote, and as I look down the list it's not long before I get to quotes twice the size of the renewal quote. I also have issues with the level of detail they don't bother to ask for, although that's true of invidual insurance company web forms too - wherever I find a quote I like, I always spend some time on the phone with the insurer sorting out the details. Not to mention the general level of service - I pointed out a fairly glaring error on one of the popular comparison sites that, for me at least, rendered it unusable, and got a far from satisfactory email response from an idiot who didn't seem to know the first thing about insuring a car.

For me, the idea that I can take the process of contacting individual companies online or by phone to get individiual quotes and swap it for five minutes on a comparison website, and possibly save a chuck of money too sits firmly in the realm of "if it sounds too good to be true, it probably is". But it seems from the other posts in this thread that they do work for some people.
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Mon 29 Sep 2008 18:37
Best Insurance Comparison Site - Falkirk Bairn
Web comparison sites are brokers - as such they can vary their commission and therefore your premium.

There is no best comparison site - try them all you may find a gegree of variation of the same cover and company.

I saved £23 on a £171 premium.
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