(43yo male, 15 yr NCD, clean licence held for 25 yrs, London address, 9,000 miles/yr)
- My premium went down when I added my wife, who has only had her licence for six years, as a named driver
- Not all policies insure the sunroof
- Not all policies classify the sunroof under the 'windscreen' section offering lower excess and no impact on no claims
- Most policies only offer 'third party' cover when abroad, even if you have fully comprehensive (some charge extra to 'upgrade' to fully comp. abroad)
- Changing the start date makes a huge difference to the premium, especially >21 days before start date
- Most interestingly, getting a quote from the same insurer on different days (giving exactly the same info) can make a significant difference
- It was more expensive to tell them I have parking sensors... more!!! I even called and asked why I will pay £32 more to insure a car that is fitted with a device that should reduce the chance of me needing to make a claim. They had no answer.
I had quotes ranging from £733 to >£2,000. I settled with LV= for £1065.90 but should get a £75 Amazon voucher for linking through 'money saving expert dot com'.
The £733 quote was through esure. Great price but... only the actual windscreen is covered under the windscreen section. As far as I can tell the sunroof isn't insured at all. For the windscreen, if I want to use my own repairer (Porsche), they would limit the cover to £150 which wouldn't go very far. And, I'd have to spend about £250 extra a year to get full cover abroad and would only be limited to 90 days.
With LV= All glass is covered under the 'windscreen' section and if I elect for my own repairer then I just pay a slightly higher excess. I have fully comp cover in Europe for up to 180 days.
And to get the best offer I actually got four separate quotes on four separate days and just used the cheapest one. It made about £160 difference just getting fresh quotes a couple of times a day over a few days!
Anyway, I suspect some of this is fairly common knowledge, and some probably only had a significant impact on an expensive London address policy, but I just thought I'd share my experiences.
Short story, plan ahead, shop around, don't take the first quote, check another day. Most importantly... read the policy wording very carefully.
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