Car Insurance question

[stripped fred]

Does anyone know of a car insurance company who don't penalise you when you transfer your policy from one car to another or do they all charge? I'm with 1st central and they charge £30 plus any increase in premium, rarely any reduction for a cheaper car. They also charge £30 for an address change. I suppose it's because they are cheap to start with and that's how they make their money.

[laser wheels]

I have found Lancaster have been flexible about this. Technically they do charge, but when I have spoken to them about a possible change of car they have mentioned they may be able to wave any fees which I suppose is a good way of retaining business and goodwill.

 

But, yes, when I'm only paying £100 a year insurance on some old jalopy I suppose the classic insurance companies have to make some money back somewhere.

[stripped fred]

Thanks. I've heard good things about them before so I'll give them a call. I use Adrian flux for my mr2 and they have been pretty good do they might also be worth a try. 1st central are very cheap but fall down in other areas and like I said will try and claw back money for anything they can.

[HH-R]

Direct Line are blabbering on about this on their latest advert, but I've never found them cost effective in the first place.

[Jerzy Woking]

I used to insure my bikes through e-bike, and I could make changes without paying. Not sure if their car insurance allows the same.

[Bear]

I find Direct Line to be stupidly good about these things:

Mad price for business use - my SLK is just £167 a year.
Matched NCB across cars - though I have enough for the fleet anyway.
Temporary Additional Vehicles, except one period where they got really crap at it.

The only downsides are a: I've never had to claim but have heard they're not the best in that regard, and their windscreen rate is high - and b: they quoted a stratospheric figure for the 300C which I can only assume is because they didn't want that business; it went to Kwik-Fit where it is cheap with a mad excess due to Chrysler parts prices.

IIRC they used to charge £15 for a change on the policy, but it's always being faffed with. And they sent me a refund cheque when their own audits showed I had paid too much insurance on one car and I hadn't even complained.

[trigger]

I'm with 1st central

 

Do yourself a favour and leave those robbing, useless bastards, they might seem cheap but you wait until you have accident and you need to claim, they don't respond to phonecalls, emails or solicitors letters. Be very warned.

[Alan_Green]

Aviva dont charge if you make the change online yourself. But they do charge if you call in. But then they don't charge if you say you tried to make the change online but couldn't.

[Stanky]

swiftcover are like Aviva, no admin charge to change the car, provided you do it online.

 

their prices weren't too bad either, and they coughed up when I wrecked my car into an Insignia on the M27 in one of my less glamourous moments.

[Jim Bell]

Do yourself a favour and leave those robbing, useless bastards, they might seem cheap but you wait until you have accident and you need to claim, they don't respond to phonecalls, emails or solicitors letters. Be very warned.

 

I'm currently trying to cancel a policy with these.  5 phone calls and 3 emails so far.  They say that there is a computer system error that is prohibiting them from canceling my policy. My first call to cancel was on 07/04/15. The policy is still going and theyre still taking direct debits.

 

1st Central.  Avoid.

[trigger]

They are scum who shouldn't be in business, the chap who hit my wife was with them, they still won't reply to my insurance company so they have had to issue a solicitor to deal with it now instead.

 

A few weeks back the wife was driving home from work when the chap who hit her flashed her and pulled her over in his still damaged Audi S5 and said they won't make contact with him so he still can't get his car fixed and ask how we was getting on with them. Seriously I can't express enough how fucking shit that company is.

[DodgyBastard]

I've got everything apart from the Proton and Tata on classic policies, it doesn't seem so bad being charged £25 a change when it's only £92 for the year.

[KruJoe]

^ Aye, what FOAD said. That's with Footman James. I've never made a claim on any policy, but service seems good, and £25 to swap is nowt when we pay about £100 per car per year fully comp. Nobody else comes close to that price for me.