I have a second number I usually put down for quotes - diverts them nicely. Its incredibly poor practice to not give the "best available price" on the basis of these now quite detailed web forms either.
Car insurance: anyone else seeing a reduction?
- Thread starter RedOnion
- Start date
Stating the obvious but shop around, at the very least online.
Doesn't have to be a partner.
But different insurers deal with named drivers differently.
Some give a reduction.
Some increase the premium.
Only way to find out is to play with the data in the form.
I just got my quote from aviva, 320 last yr and 410 this yr, When I went online to get another quote, it wont give me a quote. Tried a few others same thing and then realised it is because my car is 2006 and therefore over 14 years old. I really dont understand this because if your car has a NCT, its roadworthy isnt it?
I think many companies have maximum age limits for vehicles.
It likely is, but roadworthy is a minimum standard. Look at how NCAP safety scores have changed over the past 15 years.
Also note that a significant factor in the loading on older cars is the statistical models that show they are more likely to be involved in claims accompanied with significant personal injuries claims.
That is very strange as I changed to Aviva as a new customer only beginning of this month with 2004 accord 2.0 petrol ( owned for 4 years if it matters) Done through their website
It may or may not be very strange.
Nobody can really say.
It's almost impossible to compare one individual's quote with another's or draw any general conclusions because they will never be based on identical underwriting criteria, underwriting policies, or represent an identical risk profile to the insurer.
An NCT absolutely does not mean your car is roadworthy. It means the car met the minimum standards on the day it was looked at.
And what exactly are they omitting from the test that would mean your car is roadworthy?
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Somebody better tell the RSA so...
Page not found
rsa.ie
Literally the next paragraph...
(Their emphasis not mine)
Yes, of course. The NCT has nothing to do with it.
Most insurers won't take on new customers with cars over 10 years old due to the high number of staged accidents with recently purchased older cars. In some cases they will quote so long as you've owned the car for a period, and that car is already insured in your name. For Aviva it's 14 years for new customers.
My mam recently renewed her insurance on a 16 year old car without issue. 280 fully comprehensive with Aviva. My dad had an even older car until recently, and hadn't any issues renewing last year.
Looking at your posting history, you were also refused insurance 5 years ago?