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Model specific boards => Golf mk7 => Topic started by: GTI-Newbie on 13 September 2013, 22:10
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Has anyone taken out full comprehensive car insurance from VW? What could they provide that is better than any other insurance company?
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Has anyone taken out full comprehensive car insurance from VW? What could they provide that is better than any other insurance company?
What do you mean? They are not going to provide anything over and above normal insurance. If anything they will probably be more expensive.
Or are you perhaps talking about the 7 day cover?
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Good insurance package, Zurich I think.
Very, very expensive though. Direct line were almost half the price with a very similar package. (New for old for the 1st 12 months was important to me)
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Has anyone taken out full comprehensive car insurance from VW? What could they provide that is better than any other insurance company?
What do you mean? They are not going to provide anything over and above normal insurance. If anything they will probably be more expensive.
Or are you perhaps talking about the 7 day cover?
Am not talking about the 7 day I mean the full 12 month insurance. I have a mate who bought a Jag and he got his insurance through Jag and got himself a few perks hence I wanted to know if VW do something similar.
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Good insurance package, Zurich I think.
Very, very expensive though. Direct line were almost half the price with a very similar package. (New for old for the 1st 12 months was important to me)
I thought it might be.....cheers!
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Has anyone taken out full comprehensive car insurance from VW? What could they provide that is better than any other insurance company?
What do you mean? They are not going to provide anything over and above normal insurance. If anything they will probably be more expensive.
Or are you perhaps talking about the 7 day cover?
Am not talking about the 7 day I mean the full 12 month insurance. I have a mate who bought a Jag and he got his insurance through Jag and got himself a few perks hence I wanted to know if VW do something similar.
I very much doubt it. What perks did your mate get?
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VW insurance is Allianz. I was quoted £742 and my best quote on the comparison sites is £274 with Esure.
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Has anyone taken out full comprehensive car insurance from VW? What could they provide that is better than any other insurance company?
What do you mean? They are not going to provide anything over and above normal insurance. If anything they will probably be more expensive.
Or are you perhaps talking about the 7 day cover?
Am not talking about the 7 day I mean the full 12 month insurance. I have a mate who bought a Jag and he got his insurance through Jag and got himself a few perks hence I wanted to know if VW do something similar.
I very much doubt it. What perks did your mate get?
He got guaranteed all genuine Jag parts with any repairs and a Jag courtesy car when car is being repaired.
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Has anyone taken out full comprehensive car insurance from VW? What could they provide that is better than any other insurance company?
What do you mean? They are not going to provide anything over and above normal insurance. If anything they will probably be more expensive.
Or are you perhaps talking about the 7 day cover?
Am not talking about the 7 day I mean the full 12 month insurance. I have a mate who bought a Jag and he got his insurance through Jag and got himself a few perks hence I wanted to know if VW do something similar.
I very much doubt it. What perks did your mate get?
He got guaranteed all genuine Jag parts with any repairs and a Jag courtesy car when car is being repaired.
That's not really major perks. I would fully expect genuine VW parts regardless of which insurer I went through. As for a courtesy car well that's only to get you from A to B for a few days so no big deal
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Has anyone taken out full comprehensive car insurance from VW? What could they provide that is better than any other insurance company?
What do you mean? They are not going to provide anything over and above normal insurance. If anything they will probably be more expensive.
Or are you perhaps talking about the 7 day cover?
Am not talking about the 7 day I mean the full 12 month insurance. I have a mate who bought a Jag and he got his insurance through Jag and got himself a few perks hence I wanted to know if VW do something similar.
I very much doubt it. What perks did your mate get?
He got guaranteed all genuine Jag parts with any repairs and a Jag courtesy car when car is being repaired.
You would get all genuine VW parts when your car is clattered if you insisted upon it, it's pretty much a given when a car is under warranty and you can insist on on it even out of warranty. If you were getting the car repaired by a VW dealer's repair shop you'd get a VW courtesy car too (probably an UP! or a low spec Polo) - Jag don't do little cheap cars so I suppose you're always guaranteed a good courtesy car.
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Has anyone taken out full comprehensive car insurance from VW? What could they provide that is better than any other insurance company?
What do you mean? They are not going to provide anything over and above normal insurance. If anything they will probably be more expensive.
Or are you perhaps talking about the 7 day cover?
Am not talking about the 7 day I mean the full 12 month insurance. I have a mate who bought a Jag and he got his insurance through Jag and got himself a few perks hence I wanted to know if VW do something similar.
I very much doubt it. What perks did your mate get?
He got guaranteed all genuine Jag parts with any repairs and a Jag courtesy car when car is being repaired.
You would get all genuine VW parts when your car is clattered if you insisted upon it, it's pretty much a given when a car is under warranty and you can insist on on it even out of warranty. If you were getting the car repaired by a VW dealer's repair shop you'd get a VW courtesy car too (probably an UP! or a low spec Polo) - Jag don't do little cheap cars so I suppose you're always guaranteed a good courtesy car.
Not necessarily, you could end up with a Tata :grin: :grin:
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VW insurance is Allianz. I was quoted £742 and my best quote on the comparison sites is £274 with Esure.
Where the hell do you guys live. The cheapest I got was 700
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VW insurance is Allianz. I was quoted £742 and my best quote on the comparison sites is £274 with Esure.
Where the hell do you guys live. The cheapest I got was 700
Cambridge and I'm £250 for the GTI or £275 for the M135i both with Esure.
Access to second car in household
Garage
SDP and Commute to factory car park
12k miles per year
28yo
No convictions etc etc
8yrs NCB
Frankly little of the above makes any real difference. Esure are always cheap and virtually everyone else always comes out at many ££££ more. I've also heard Admiral is good for these cars too.
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I'm with admiral on one of the multicar policies. Think I'm paying about £220 with 15 yrs NCB :smiley:
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Birmingham is just extortionate for car insurance.
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I got quote of £220 with total excess of £150 i bet it wont cover me for 1st year new for old tho :sad:e sure or Sheila's wheels lol , i'am in lincolnshire which might be the reason it's cheap ?
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£400 for me but £300 for the missus with me as a named driver. That's Direct Line. I still keep my no claims etc. Quite why she's £100 cheaper I have no idea as we're the same age :rolleyes:
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VW insurance is Allianz. I was quoted £742 and my best quote on the comparison sites is £274 with Esure.
Where the hell do you guys live. The cheapest I got was 700
That's with 3 recently acquired points too, £232 without them. VW prices seemed to have freefalled in Tyne and Wear for me over the last 3 years - Scirocco 170TDI Nov 11 = £480, Scirocco 170TDI Nov 12 = £360, GTD Sep 13 = £232 (without points). In that period i've been at least 9 years NCD, so no extra discounts for that.
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I wouldn't touch Admiral group (Admiral/Churchill/Elephant) with a bargepole. You never know how good your insurance company is until you try to make a claim.
My 07 170TDI MK5 Golf was clattered by a bus at 2 weeks old (was 12 feet from where I parked it when I arrived back at the car from picking up a takeaway). Car was lawfully parked. Clear cut case of non fault, bus company did not dispute it. Then Albany assistance (the legal cover) went into overdrive. Provided me a basic 1.9TDI SE Golf and charged the bus company £78 a day for it . I had to sign some bollocks to say I was liable to pay if the settlement costs were refused and went to court, then judged extortionate. I got a free insurance policy to cover my liability. My car was given to Benfield body shop. They got all parts in after a week, then sat on it for 5 weeks without starting the job (I suspect on the instruction of Albany insurance so they could fill their pockets with the car hire costs) I kicked up a stink and it was then done within 2 weeks, to a woeful standard (it was pissing with rain and dark on pick up so I didn't notice how bad it was until the following morning with metal shards in the car, oily handprints on the headlining, a dangerous brake fault and items that had been in the car were missing (I pulled them on that on pickup - they said they would look for my stuff - never found).
You hear all the time about fraudulent whiplash claims forcing insurance up, but the insurance company do all they can to screw the other side for as much as they can get with ridiculous hire costs. 3 weeks after my car's return my renewal was due - it had almost doubled from £450 to £850 for a non fault claim that resulted in no loss of NCD. I didn't stick with Elephant.
When my Scirocco got hit by a car under similar circumstances (I was in it this time, parked up, waiting outside wor lass' place of work), it was a Churchill driver. Funnily enough they rang me before the tow truck arrived to offer me a courtesy car and avoid the opportunity of being shafted by my insurance. I was given a £50k Merc M-class courtesy car but my neck was too wrecked to drive it for 2 weeks. :sad:
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I wouldn't touch Admiral group (Admiral/Churchill/Elephant) with a bargepole. You never know how good your insurance company is until you try to make a claim.
My 07 170TDI MK5 Golf was clattered by a bus at 2 weeks old (was 12 feet from where I parked it when I arrived back at the car from picking up a takeaway). Car was lawfully parked. Clear cut case of non fault, bus company did not dispute it. Then Albany assistance (the legal cover) went into overdrive. Provided me a basic 1.9TDI SE Golf and charged the bus company £78 a day for it . I had to sign some nuts to say I was liable to pay if the settlement costs were refused and went to court, then judged extortionate. I got a free insurance policy to cover my liability. My car was given to Benfield body shop. They got all parts in after a week, then sat on it for 5 weeks without starting the job (I suspect on the instruction of Albany insurance so they could fill their pockets with the car hire costs) I kicked up a stink and it was then done within 2 weeks, to a woeful standard (it was pissing with rain and dark on pick up so I didn't notice how bad it was until the following morning with metal shards in the car, oily handprints on the headlining, a dangerous brake fault and items that had been in the car were missing (I pulled them on that on pickup - they said they would look for my stuff - never found).
You hear all the time about fraudulent whiplash claims forcing insurance up, but the insurance company do all they can to screw the other side for as much as they can get with ridiculous hire costs. 3 weeks after my car's return my renewal was due - it had almost doubled from £450 to £850 for a non fault claim that resulted in no loss of NCD. I didn't stick with Elephant.
When my Scirocco got hit by a car under similar circumstances (I was in it this time, parked up, waiting outside wor lass' place of work), it was a Churchill driver. Funnily enough they rang me before the tow truck arrived to offer me a courtesy car and avoid the opportunity of being shafted by my insurance. I was given a £50k Merc M-class courtesy car but my neck was too wrecked to drive it for 2 weeks. :sad:
I don't go near Admiral either. Even if they show up as the cheapest on comparison sites.
My story isn't quite as bad as yours. When my S2000 was up for renewal Admiral quoted £200 up from the previous year. I canceled the policy but they decided to debit the money anyway. Then they had the cheek to try and charge me 20 odd quid when I phoned them for "administrative fees" which I point blank refused to pay. I got my money back and thought that was the end of it until a week later I got a letter through saying £120 or there abouts was getting taken from my account. No explanation why, just a letter telling me they were taking the money "just because" :grin:
I phoned them back and told them if they so much as debited a penny from me, I'd skip right by Citizens Advice and The Trading Standards Agency and take them straight to the Small Claims Court. Not only would I get my money back, I'd also pursue legal action for making me take time off work and causing undue stress. Funnily enough I got an apology and never heard from them again!!!
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Lots of companies don't do the 12 month new for old, some like direct line do.
It might be worth looking at the free VW Ensurance, they say that they will liaise with your insurance company and ensure genuine parts are used and provide a courtesy car where possible.
That's what they say anyway.
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Lots of companies don't do the 12 month new for old, some like direct line do.
It might be worth looking at the free VW Ensurance, they say that they will liaise with your insurance company and ensure genuine parts are used and provide a courtesy car where possible.
That's what they say anyway.
It's a lot easier to get a courtesy car if you're not at fault. Pick your repair garage carefully - "VW approved repairer" is not a guarantee of a job well done.
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only one place in the north east worth using mh and that's mill car clinic at boldon.
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Advise Needed!
Cheapest insurance for VW GTD - Unfortunately I have zero no claims??
Been driving a company van which is insured through the company for any driver over 25.
Thanks in advance.
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Advise Needed!
Cheapest insurance for VW GTD - Unfortunately I have zero no claims??
Been driving a company van which is insured through the company for any driver over 25.
Thanks in advance.
Money Supermarket is your best bet, do a fictional quote see how it comes out. Mine is about £300 a year (33 year old, 9 years no claims)
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Advise Needed!
Cheapest insurance for VW GTD - Unfortunately I have zero no claims??
Been driving a company van which is insured through the company for any driver over 25.
Thanks in advance.
If you've had no clouts in the van and your company is prepared to say Mr X has been driving van Y for Z years without an accident/claim, you might find a broker willing to give some discretionary no claims discount.
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Advise Needed!
Cheapest insurance for VW GTD - Unfortunately I have zero no claims??
Been driving a company van which is insured through the company for any driver over 25.
Thanks in advance.
If you've had no clouts in the van and your company is prepared to say Mr X has been driving van Y for Z years without an accident/claim, you might find a broker willing to give some discretionary no claims discount.
just about to post exactly the same reply.
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I don't go near Admiral either. Even if they show up as the cheapest on comparison sites.
My story isn't quite as bad as yours. When my S2000 was up for renewal Admiral quoted £200 up from the previous year. I canceled the policy but they decided to debit the money anyway. Then they had the cheek to try and charge me 20 odd quid when I phoned them for "administrative fees" which I point blank refused to pay. I got my money back and thought that was the end of it until a week later I got a letter through saying £120 or there abouts was getting taken from my account. No explanation why, just a letter telling me they were taking the money "just because" :grin:
I phoned them back and told them if they so much as debited a penny from me, I'd skip right by Citizens Advice and The Trading Standards Agency and take them straight to the Small Claims Court. Not only would I get my money back, I'd also pursue legal action for making me take time off work and causing undue stress. Funnily enough I got an apology and never heard from them again!!!
Read their small-print...
They do not replace new for old in the first twelve months...
They reserve the right to repair your car with "second hand or recycled parts" if it is more than three years old...
The latter put me right off... It might not bother you for the first three years.
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That's the thing with insurance - the devil is in the detail :evil: As the saying goes 'make sure you're compairing Apples with Apples!' :undecided:
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Advise Needed!
Cheapest insurance for VW GTD - Unfortunately I have zero no claims??
Been driving a company van which is insured through the company for any driver over 25.
Thanks in advance.
Money Supermarket is your best bet, do a fictional quote see how it comes out. Mine is about £300 a year (33 year old, 9 years no claims)
Did one a little while back cheapest was about £1200....shocking lol
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Advise Needed!
Cheapest insurance for VW GTD - Unfortunately I have zero no claims??
Been driving a company van which is insured through the company for any driver over 25.
Thanks in advance.
Money Supermarket is your best bet, do a fictional quote see how it comes out. Mine is about £300 a year (33 year old, 9 years no claims)
Did one a little while back cheapest was about £1200....shocking lol
Can we list how much everyone is paying along with age, where we live? and who the insurance company is??
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£243, but with breakdown it comes out at £305 - Direct Line.
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£243, but with breakdown it comes out at £305 - Direct Line.
Get that breakdown cancelled or suspended - you get 12 free months VW assistance (WTF do Audi and Skoda get 3 years and Seat get 2 years though?)
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£243, but with breakdown it comes out at £305 - Direct Line.
Get that breakdown cancelled or suspended - you get 12 free months VW assistance (WTF do Audi and Skoda get 3 years and Seat get 2 years though?)
Thanks MH, ill defo do that!! Does it include home start ie all the usual gubbins?
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It's the full bells and whistles including European cover etc (as I found out when I arrived in Le Havre in a brand new MK5 Golf and the car stopped and insisted on wanting dealership attention - a sensor had decided the car had no oil. VW assistance sorted the French equivalent of the RAC to sort it). It was last time I had to make use of it - double check it, but i'm 99% sure.
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It's the full bells and whistles including European cover etc (as I found out when I arrived in Le Havre in a brand new MK5 Golf and the car stopped and insisted on wanting dealership attention - a sensor had decided the car had no oil. VW assistance sorted the French equivalent of the RAC to sort it). It was last time I had to make use of it - double check it, but i'm 99% sure.
Excellent, thanks mate, that's saved me a few quid!!
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VW Insurance were actually fairly competitive last year when I first got my GTI. Most insurance companies were coming out at about £1,200 and VW quoted me £979 (after a bit of haggling). In the end I went with Sky Insurance (one of the forum sponsors) for £850.
This year I've switched to Endsleigh for £630.
It definitely pays to spend as much time as you can using all the comparison sites, going direct to those not on there and considering specialists like Sky Insurance.
(I'm 26, the insurance covers me and my wife, we live in North London, 4 years NCD, 12,000 miles per year including business use.)
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VW Insurance were actually fairly competitive last year when I first got my GTI. Most insurance companies were coming out at about £1,200 and VW quoted me £979 (after a bit of haggling). In the end I went with Sky Insurance (one of the forum sponsors) for £850.
This year I've switched to Endsleigh for £630.
It definitely pays to spend as much time as you can using all the comparison sites, going direct to those not on there and considering specialists like Sky Insurance.
(I'm 26, the insurance covers me and my wife, we live in North London, 4 years NCD, 12,000 miles per year including business use.)
Definitely room for haggling with VW insurance - so don't take their first price (they might ask you what you're currently paying, so knock about 20% off that figure). They asked me what I would be paying (£274 with Esure is what I will be doing when I renew), quoted me £742, but said realistically they could probably get it down to £550.
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VW insurance were actually more competitive than I thought. They quoted me £350 after I told them I had a quote for £243 and cited VW repairers as the difference - I still didn't take it but it was much closer than I thought with the same level of cover as I got with direct line. Certainly a lot if room for haggling if you want to go with them.
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Well VW never got back to me after the 7 days included cover. Might be something to do with the fact that i'm 21 and they know they can't be competitive :rolleyes:
J
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VW Insurance were actually fairly competitive last year when I first got my GTI. Most insurance companies were coming out at about £1,200 and VW quoted me £979 (after a bit of haggling). In the end I went with Sky Insurance (one of the forum sponsors) for £850.
This year I've switched to Endsleigh for £630.
It definitely pays to spend as much time as you can using all the comparison sites, going direct to those not on there and considering specialists like Sky Insurance.
(I'm 26, the insurance covers me and my wife, we live in North London, 4 years NCD, 12,000 miles per year including business use.)
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Pacman £630 considering your in London is quite competitive i think... cheapest i got of a comparison site was £1200 :sad:..not good!!!!
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Anyone getting stupid renewal figures thru?
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Yes, I've just renewed. Gone from sub £400 to £790.
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Premiums in general are on the increase. Factors that might account - or partially account - for the increases;
- increased energy costs, which will impact the cost of running car body repair shops
- high inflation rates so cost of parts and paint used in vehicle repairs are likely to be costing more
- much of the tech in modern cars is at the front of the car, so susceptible to damage in a frontal impact, and expensive to replace. Associated costs (e.g. recalibration of sensors) can also be expensive
- increased complexity and cost in repairing certain types of vehicles (e.g. EV’s). Higher write-off frequency associated with EV’s which will add to insurance company overall claim costs
- recent parts shortages (e.g. semiconductors) are likely to have pushed up the cost of those items. I dare say the price of parts affected by shortages wouldn’t have reduced back to pre-increase levels when normal supplies were resumed
- insurance companies will have a financial objective of delivering a profit so they can pay a pay a dividend to their shareholders! :whistle:
Always pays to shop around at renewal as the chances are you’ll be able to find comparable cover at a lower price, but don’t always go for the cheapest price as it might be the cheapest for a reason (e.g. poor claims service, poor customer service).
Other actions you can consider taking - e.g.;
- consider increasing the excess in return for a premium reduction
- are there any extra cost add-ons under the policy that aren’t needed that could be deleted?
- review the declared estimated annual mileage figure and reduce it if it’s higher than the annual mileage driven. However, always be honest and ensure the declared mileage is realistic as falsely declaring too low a figure would be insurance fraud (falsifying risk information to get a lower premium), and could result in the policy being voided or the insurance company declining a claim.
My premium increased by around 9-10% this year - less than I was expecting, but I’m old :grin:, live in a low risk area and I’m a low mileage driver. From memory, my premium went up by around 15-16% the previous year.
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I got my renewal through from Tesco.... its cheaper than last year.
Have a look at Tesco would be my suggestion.
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Had my home insurance renewal and it's the same there. Premium was up 85% - no claims ever.
In the end I had to increase my excess from £250 to £500 but the premium was still up by 40%.
Waiting for car quote in June and suspect I'll be on all the comparison sites (and Tesco - thanks Fred!) for a few days.
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Brands such as Tesco whose main business activity isn’t insurance use a panel of insurance companies and the premium quote of the cheapest insurance company on the panel is put forward to the customer. Tesco will be managing the panel and acting as a broker - not the underwriter - and the panel business model encourages the individual panel insurers to improve their competitiveness - they won’t acquire business on the panel if they’re not the cheapest.
However, a couple of potential downsides of this business model for the customer are;
- they may end up being insured by an insurance company you’ve not heard of / you know little or nothing about.
- insurance companies on the panel need to have low prices to increase their competitive position. To have competitive prices, they may reduce costs in other areas such as their claims service. Hopefully, all panels will have service level agreements covering key areas such as customer service and claims handling that individual panel insurances have to sign up to provide a high quality, consistent service to customers.
Panel arrangements such as the above are used by many of the ‘big names’ in the insurance market where insurance isn’t their primary product - e.g. AA, RAC, high street retailers such as John Lewis, M&S, Sainsbury’s, high street banks, along with some of the traditional large insurance broker names such as Budget, Hastings (there will be others too).
I don’t know if the name of the specific insurance company providing the cheapest price on a panel is disclosed to a customer at the time of the initial quotation; IMHO it’s certainly something that’s worth checking out as it might influence a customer’s decision on whether or not to accept the quote (e.g. if a customer’s had a bad experience using that insurance company in the past).
Always do your homework when buying insurance, and don’t always go for the cheapest…………..
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We had a minor bump a few years ago which was our fault. We were insured with Tesco and on that occasion their claims department were very good.
Last July I insured my GTI with VW and their quote was very competitive, which was a surprise, so I'm now with them.