Top tip thanksDJMCUK wrote: ↑Thu Dec 28, 2023 11:04 am The trick is not to trick insurance companies in any way. You may feel you're being smart, nice cheap premiums, but you won't feel so clever when your pride and joy is written off and you don't get a penny when they investigate your insurance fraud. It's also a criminal offence by the way.
Another thing is to be wary of using any old insurer just because they're cheap (but you've never heard of them).
You have insurance with perhaps two thought processes:
1/ You have to have it, so get the cheapest to keep you legal.
2/ When your car is stolen, damaged, or written off you have an 'easy' journey through the claims process, a sympathetic claims handler, a courtesy car for as long as you need it, and a perfect car returned from the repairer of your choice.
There's cheapest and there's best. Check out sites such as Auto Express for insurer's rankings in various categories: https://www.autoexpress.co.uk/driver-po ... -companies
NB. I was a general insurance broker for 35 years to 2022. Our cars are currently insured with NFU, as is our house.
I was also told that finding the renewal at 20 days before due is best time (Martin Lewis program)
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I got the best 'deal' from Admiral last year and they've just issued their home/car quotes for this year coming. We can ignore the home, but the car was a 'no go', as the maximum premium had been reached. I rang them and she played with the mileage etc., and the current market value, lowest being £75K. They cannot insure me this year.