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home insurance renewal merry-go-round
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astonbuilder
 


Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 8044

England 2012 Discovery 4 3.0 SDV6 XS Auto Santorini BlackDiscovery 4
home insurance renewal merry-go-round

Got the renewal for 'bricks and mortar' insurance on home. As expected it's gone up (£18 ) and some things no longer part of policy......... Rolling Eyes (If I add them back in its gone up by around £42)

Usual two minute trawl on 'gocomparethesupermarket' sites and I get similar cover for around £30-60 cheaper, including my current company at £44 less than the renewal letter.

Ring them up and point out I can get it cheaper, with them, than they have quoted me to renew. They tell me this is for new customers only. I ask if they will price match and they reduce but do not match the online price. Whilst not the absolute cheapest I am happy to stay with them for overall policy conditions, etc.

So I tell them I will not be renewing my policy with them and then go and click the online quote and take that anyway...........
 

Last edited by astonbuilder on 2nd Jan 2018 10:10 am. Edited 1 time in total 
Post #18964722nd Jan 2018 10:04 am
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L319
 


Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2079

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Last year I forgot to renew my House insurance for about 6 months. Got it £40 cheaper when I contacted them and with increased cover, possibly as a new customer?
  
Post #18964732nd Jan 2018 10:07 am
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defector
 


Member Since: 23 Feb 2009
Location: Greater Manchester
Posts: 1419

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Zermatt SilverDiscovery 3

I cannot recall seeing anything myself about new customers only when i did the same as yourself.
Good on you.
  
Post #18964742nd Jan 2018 10:08 am
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Someone-Gone
 


Member Since: 21 Dec 2015
Location: Gone
Posts: 5117

United Kingdom 

I've seen myself take out an online policy with the same company who quoted me higher for renewal and wouldn't budge despite pointing this out, so I just went online and got it that way. They don't ask you whom your with or if they do, it makes no difference if it's the same company nine times out of ten.

This year I got my Home Protect Policy renewal £50 more than last year. Did a trawl on the comparison and got Priviledge Platinum cheaper. Phoned up Home Proect and told them. They didn't match or even to keep me, so I cancelled the renewal, only to discover they'd taken the money 2 weeks early, so they had to refund. Now with Priviledge.

Price wise as you know, it depends on postcodes, personnel circumstances etc. so what's cheap for me might not be cheap for anyone else. Rolling Eyes
  
Post #18964762nd Jan 2018 10:15 am
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Sheepy
 


Member Since: 20 Feb 2013
Location: Bedfordshire
Posts: 630

United Kingdom 2010 Discovery 4 3.0 TDV6 GS Auto Zermatt SilverDiscovery 4

I really hate the "oh that's for new customers only" spiel. It's not just insurance, energy and mortgage providers are at it too. Santander would rather lose me as a mortgage customer than offer me the same rate they'll give to new customers. And as for EDF Energy.....

I really don't understand businesses that would rather attract possible new customers instead of retaining their existing ones. Surely it's cheaper to retain than to replace?
  
Post #18964812nd Jan 2018 10:39 am
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BJT
 


Member Since: 16 Nov 2017
Location: Staffordshire
Posts: 92

United Kingdom 2014 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4

Couple of alternative options:

1) Let policy finish for 1 day then you are / should be a new customer (your risk in case anything happens)

2) Check out the Cashback sites i.e Quidco and TopCashBack always some good deals on them
  
Post #18964842nd Jan 2018 10:46 am
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dgarside
 


Member Since: 17 Jan 2010
Location: Holmfirth
Posts: 732

United Kingdom 2012 Discovery 4 3.0 SDV6 HSE Auto Aintree GreenDiscovery 4

Just done similar this year as I’ve been super lazy for a number of years. Went with Halifax and turned out to be 100’s less..... should have done it earlier 😜
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Post #18965322nd Jan 2018 12:54 pm
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Alan B
 


Member Since: 12 Feb 2013
Location: Fife
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Did all this a while ago, well Brian BBBdisco3 did it for me and saved about £300 Bow down Bow down Thumbs Up
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Post #18966372nd Jan 2018 5:31 pm
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Dave T
 


Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6902

England 

We added to admiral multi car policy, was significantly cheaper than Privilige, direct line etc for the same, and in some cases better, cover
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Post #18966422nd Jan 2018 5:37 pm
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astonbuilder
 


Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 8044

England 2012 Discovery 4 3.0 SDV6 XS Auto Santorini BlackDiscovery 4

Well they managed to Censored it up still. Old policy confirmed not to renew last week and new policy done online and paid for.

Today I notice that they have taken the money for the 'old' policy three days ahead of when it is due and despite it being cancelled Rolling Eyes FFS..........

Rang them up and had to wait 37 minutes to get through (at 'up to' 13p/minute apparently) and ask why the Censored they've taken money without any authority from my account. Lots of spiel about it hasn't been taken but it's just been 'applied for' before the renewal date so no lapse in cover (no answer to "what, the policy renewal that has been cancelled.....?").

Apparently they have cancelled the payment 'request' but no answer as to if that means the money will go and then be refunded.

They are all a bunch of incompetent Censored IMO Rolling Eyes
  
Post #189974210th Jan 2018 4:26 pm
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astonbuilder
 


Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 8044

England 2012 Discovery 4 3.0 SDV6 XS Auto Santorini BlackDiscovery 4

And today.........it's the turn of the contents insurance.

Last years premium £244.03
This years premium (same cover) £414.11

Quick phone call and asked why its gone up 70% and am told it's because they just do a blanket assumption for premium and that if you then phone them they will do a specific address one.

Point out that my house hasn't magically upped bricks and moved itself so no reason why I couldn't get a 'custom' one in the written quote they sent out. Especially so as she gave me an improved price of £352.10 as we were talking so it must have taken her all of 15 seconds to 'customise' for my exact same house, at exact same address for exact same cover........ Rolling Eyes

Apparently I had a 'new customer' bonus taken of my premium last year (news to me Neutral ) but they can give me a 'loyalty' bonus this time round as I phoned them....

Said I'll be shopping around - however I will go with them again as they give best cover for my watches and SWMBO jewellery - but I'll be going back and trying a 'better figure' for them to price match me on this time............. Whistle
  
Post #191530516th Feb 2018 1:43 pm
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Pelyma
  


Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496

England 

Use a broker, that way you can be sure you are comparing apples with apples and you don't get messed about. Very few companies will insure us so we are with the NFU, they are fantastic always trying to cut costs for you and being humans you can have sensible discussions with them.
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Post #191532316th Feb 2018 2:58 pm
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highlands
 


Member Since: 10 Jan 2010
Location: NW Highlands
Posts: 5085

Ukraine 2005 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

We always have a bit of an ordeal come renewal, as only around 4 companies quote due to >£1m rebuild cost.

What we did last year, that seemed to work, was put in a £999,999 rebuild from which we got dozens of quotes and then ring the brokers to adjust the quote with the underwriters given the actual rebuild cost...not that the insurer would ever pay the amount.

Saved around £600 on the policy doing it this way.
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Post #191533016th Feb 2018 3:25 pm
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riverblanche
 


Member Since: 31 Aug 2010
Location: retford'ish
Posts: 2206

England 2008 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

Hi,
our Insurance renewal has just landed Rolling Eyes will be having a look around for other quotes but for last couple of years we have staid with one you may not have heard of

UIA Mutual good cover £1m rebuild cost as standard I wish Rolling Eyes

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Post #191536416th Feb 2018 5:05 pm
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mse
 


Member Since: 27 Jun 2005
Location: Shropshire
Posts: 2702

United Kingdom 2015 Discovery 4 3.0 SDV6 Landmark LE Auto Indus SilverDiscovery 4

What i hate about insurance is the wildly different cover levels that on paper seem the same

So you can have unlimted rebuild and 200k contents, accidental etc etc

But when you drill down, single item cover different, valuable item cover is different etc - it just becomes a drain
 Mike  
Post #191556616th Feb 2018 11:46 pm
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