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Old 12th April 2018, 09:59 AM
HPsauce HPsauce is offline
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Default D2 insurance renewal time

It's that time of year that presumably makes us all think.

I've been with the same insurer (Direct Line) for several years and premiums have usually stood up well to comparisons, so I've not changed.
But this year the premium has gone up about 20%, I have absolutely no idea why and in fact for the last couple of years I think it has actually gone down a bit.

So I started rummaging around via comparison websites and ended up favouring Privilege, who as many of you may know, are actually a "sister" company of DL.
(Sister as in twin sister in a slightly different frock!)

I already have some other insurance with them (house) which also helps a bit so tried to get a detailed online quote. Couldn't get in online which was odd and couldn't reset/recover my password either so I just phoned them up.

The quote over the phone was a bit higher than the comparison site suggested, but not bad, so I asked them to post it to me so I could review it. Arrived the other day.
This was for fully comprehensive, 2 drivers, protected (maximum) NCD and legal cover. No breakdown cover needed, we have that separately for us as individuals in any vehicle.

Meanwhile I managed to sort out online access (browser incompatibility issues!) and played with voluntary excesses etc. to get the best value for me.
Doing that it appeared that the online quotes were lower (by about 5%) than the phone equivalent. But I had also mentioned having two sets of wheels (winter/summer) as that is a specific item listed as a "modification" on the DL policy, so thought that might be the reason, illogical though it is.

Yesterday I decided I needed to get this sorted so phoned them up. Interesting points from that:
1. When I quoted my exact online premium and what options produced it they could compare it (they can't see my online quote directly) and immediately said they would match it.
2. When asked they said online was slightly cheaper but that they would always match the online quote if people called in to complete the purchase.
3. When I asked about the wheels they said there was no need to note them as they were only really interested in performance modifications. In contrast Direct Line even wanted to record that our old Ford Focus had (factory-fit!) aircon and ABS options on it!
4. The premium was a lot lower than DL for a virtually identical policy. The only difference I can see is that Privilege charge an admin fee if you make any changes during the term of the insurance whereas DL don't, though both can change the premium if relevant factors apply.

So the punch line: The Privilege premium was just 55% of the Direct Line one.

Has anyone else made such a saving on such a closely-aligned change?

And another little irony. When I first insured my PF S8 I chose Privilege, which I "think" at that time may have been separate from DL, or recently acquired by the same holding company. At the time they were marketed as being a specialist for rarer/premium cars.
Over time I was migrated by them to Direct Line, without any conscious choice of mine. I guess DL expanded their remit and this was all before online insurance took off.
Subsequently Privilege seems to have been rebranded as the Direct Line "face" that appears on comparison sites, whereas DL themselves stand "aloof" from that.
__________________
2003 D2 FL S8. Irish Green Pearl/Beige. Solar sunroof, auto-dim mirrors, electric rear seat functions, ski hatch retrofit; extended leather. Aftermarket DVB-T, reversing camera and full XCarlink (Bluetooth etc.).
2016 Volvo V40 T5 Cross Country (4WD) with ALL the toys including adaptive cruise etc. etc. Osmium Grey with Blonde/Charcoal leather interior. Polestar performance "optimisation". (A much rarer model than a D2 S8 by the way!)
Finally: gone, but not forgotten.....
1998 D2 PF S8. AgateGrey/Platinum. Every option (I think) except electric rear seats, tiptronic steering wheel, ski hatch, towbar & dimming door mirrors.
e.g. Cruise control, NavPlus/TV, Bose, GSM, Xenons, Solar roof, Parking sensors, Alcantara/leather everywhere of course. (internal dimming mirror added later)
1998 (very early) Ford Focus 1.8 Zetec; ABS/TCS, Heated screen/mirrors, Aircon, Auto-dim mirror, Leather, Trip computer, Cruise control, OEM Ford SatNav with CD changer.

Last edited by HPsauce; 12th April 2018 at 10:32 AM.
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Old 12th April 2018, 10:42 AM
tintin tintin is offline
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Apparently, according to a broker that I know, DL and Admiral control a fair chunk of the market between them. The whole sector is a sham, and ripe for the sort of mis-selling investigation that happened with PPI - there's no effective competition, no transparency and a range of pretty dubious anti-competitive practices across the board.

As a related example, my RAC policy premium - which is an insurance policy, just a different type - jumped by more than 50% on renewal, and I had to cancel my policy, leave the RAC after 17 years, leave a shi**y (but accurate... ) review of how they handled it before they responded properly.
End result: policy renewed by them at the same price as last year, but what a waste of my time and their management time, and so typical of the sector as a whole.
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Old 12th April 2018, 10:56 AM
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briang9 briang9 is offline
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It's also worth noting that if you are in your renewal period, Admiral goup will not show up on the comparison site quotes as said quotes are for new customers only. I suspect Admiral are not the only ones who do this.
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Old 12th April 2018, 11:06 AM
HPsauce HPsauce is offline
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Oh, don't even get me going on my house insurance.
My buildings policy had been linked to my mortgage, repaid long ago, but I just let the insurance run on (inertia!) and paid it monthly so didn't really notice it creep up. This was despite having a separate contents policy with a different insurer, paid annually. Renewal dates were close but not identical.

When both went up significantly I reviewed it all and went for a combined "premium" policy with much better cover and lots of extra supporting services.
A bit of overlap due to non-synchronous renewal dates , but I didn't care!
The new combined policy was less than 30% of the other two premiums added together.
__________________
2003 D2 FL S8. Irish Green Pearl/Beige. Solar sunroof, auto-dim mirrors, electric rear seat functions, ski hatch retrofit; extended leather. Aftermarket DVB-T, reversing camera and full XCarlink (Bluetooth etc.).
2016 Volvo V40 T5 Cross Country (4WD) with ALL the toys including adaptive cruise etc. etc. Osmium Grey with Blonde/Charcoal leather interior. Polestar performance "optimisation". (A much rarer model than a D2 S8 by the way!)
Finally: gone, but not forgotten.....
1998 D2 PF S8. AgateGrey/Platinum. Every option (I think) except electric rear seats, tiptronic steering wheel, ski hatch, towbar & dimming door mirrors.
e.g. Cruise control, NavPlus/TV, Bose, GSM, Xenons, Solar roof, Parking sensors, Alcantara/leather everywhere of course. (internal dimming mirror added later)
1998 (very early) Ford Focus 1.8 Zetec; ABS/TCS, Heated screen/mirrors, Aircon, Auto-dim mirror, Leather, Trip computer, Cruise control, OEM Ford SatNav with CD changer.
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Old 12th April 2018, 09:49 PM
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tc4332 tc4332 is offline
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We are with Zurich and they have warned us that they will not continue cover after my 80th birthday.
Ageism?
They were my first vehicle insurer ever. I was 18 and in Germany. I've been with others inbetween then and now.
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Old 12th April 2018, 10:41 PM
H-M3 H-M3 is offline
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I think insurance need to be regulated more! It’s unbelievable the difference between sister companies. I have max discount and ended up paying 20% more this year. Please do not be fooled by the multi car rubbish as sometimes it works out cheaper to do it individually. We had several cars with Admiral but went up by massive this year so had to break it all up. Esure came out decent this year. Another thing I don’t understand is the companies adding all these additional gimmicks like legal cover, You would think that with FC cover you should have that as standard, but no they say in case it’s a fault accident Also last year one of our parked car had been hit by a drunk driver, he damaged 4 cars, police caught up and the company took all liability but guess what our premium went up stating that it does not matter non fault, WTF. Also now if you claim windscreen then it becomes a actual claim. Jokes! Sorry that’s my rant
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Last edited by H-M3; 12th April 2018 at 10:46 PM.
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