Re: Car Insurance Increase.
Originally Posted by Percy Vere
Don't forget to try the companies that don't use the comparison sites
There are also insurance companies only accessed by insurance brokers, they are often that much cheaper when others would mean an increase in premium. I've used an insurance broker for about 15 years now, both for House & Contents insurance and Motor insurance. The brokers get their commission directly from the insurance companies they generally place their business with so not from the premium you pay. Almost every year my insurances remain the same, one year it actually reduced, this year (June) it did increase by just £9. I know if I pushed it they would have reduced it. The added bonus with a broker is that in the event of a claim, I had one when last year a pheasant colliding with the front of the car damaged the Cruise Control camera, the broker does all the work in placing any repairs and organising payment. I didn't even have to fill in a form, a couple of phone calls and e-mails and it was all sorted out.
Another plus is that the broker will do exactly what you have to do yourself with online companies and check with many insurance companies for a competitive premium. They also ensure all the terms and conditions etc. are the same as previously. This is often where online companies change things to remain competitive, often you may not realise until it comes to making a claim.
I receive first a text to remind me of the renewal date three weeks before it's due plus the renewal premium. They then phone me a week later to discuss this. All being agreed in that call or any changes required they send paperwork, either in the post or online and phone again two or three days before renewal date for payment over the phone.
Trouble-free insurance and really excellent service is how I would describe their service.