four months ago i started a policy with right choice insurance brokers and they have bin nothin but trouble. i got a quote of £1000 and when i called them to start the policy the put it up to £1500 and since then they have done nothin but mess us about. now because i am moving house and they want another £400 and i have been arguin it they are on about cancelling are policy all because we are movin house i have since research them and foind nothin but bad reviews so consider this a warnin stay away from right choice

just cancel it, plenty more companies out there. if you are under 19 you are limited, try quinn direct, elephant and all the usual supects 19+ try brentacre, chris knott, adrian flux, sky 21+ try aviva, NFU, etc.

I'm 19 with a mk2 breadvan, check out admiral, 10 month policies that give a year no claims, first 10 month was £2200, second 10 months were £1100, then just renewed again, this time a years policy, and its came back at £850, which for a 19 year old, i dont think is bad at all, just check em out, admiral and elephant will be about the same, as they are sister companies or something i found out

I'm 19 with a mk2 breadvan, check out admiral, 10 month policies that give a year no claims, first 10 month was £2200, second 10 months were £1100, then just renewed again, this time a years policy, and its came back at £850, which for a 19 year old, i dont think is bad at all, just check em out, admiral and elephant will be about the same, as they are sister companies or something i found out

That 10 month policy only applies if you renew with them, meaning for your first 10 months of driving to get a full years no claims you need to renew with them. I just took the 12 month policy out as it give you more ease of mind if they try and do you over with renewal prices.

admiral and elephant are good on price when a friend had an accident they weren't helpful though and tried every trick they could to get out of paying out by claiming his factory parts were aftermarket like a spoiler.

I wouldn't do a 10 month policy as your shafted trying to convince other companies that its the same as a 12 month NCB.

i suppose thats why i've had no problems, cos i just reneewed with them twice!

I used my 10 months years NCB with another company.

Your renewal says 1 year NCB..what more evidence does your new insurer need

Review what your policy specifically states and if it doesn't match up with what they are saying then tell them to stick it. As far as I know you shouldn't be charged that much for a change of address, but that's just administration fees gone wild! Sadly there's probably not a lot you can do about that other than cancel it as you signed the contract, so they probably have license to go as crazy with fees as they like, which is a sod.

If you don't modify the car for a while you can try insurethebox.com. They'll fit a tracker to your car and it will drop your insurance considerably, may help due to your age. I never bothered with them as Diamond gave me a really good deal but a few of my friends (aged 17-20) have the boxes fitted and they get rewards for good driving and such, could be worth looking into in order to get a cheap quote and a years no claims. Also means if it's ever nicked you're pretty much guaranteed to find it, which when you love your car is always a bonus

IAG (Admiral) own Elephant, Confused and Diamond so any of those will give fairly similar rates, I had great service from Diamond and can't imagine the other 2 to be much different in that respect. However if you go fully comp they will force a large amount of compulsory excess on your car (more than I've seen from other firms) but that will drop as you get older. If all else fails add some named drivers with many years no claims (: It can always be fiddled, just be concious not to add too many people to your policy.

Admiral pissed me right off and subsequently won't be getting my business again.

Me and the wife have a multicar policy. For some reason they had me as the main driver on her car and her as the main driver on my car. I asked them to swap it around and they said it would be £200 more till the end of the policy. I asked them why, they said I am a higher risk driver and with my car being a higher insurance group it would go up. I asked how much it went down on her car and they didn't knock anything off.

I questioned them on how that would work. Surely if I'm the high risk driver and it goes up on one car. When I stop using the other one as much surely the risk goes down and so should the price.

Apparently it doesn't work like that. Funny how it works in a way which makes them more money. Robbing bastards.

If you don't modify the car for a while you can try insurethebox.com. They'll fit a tracker to your car and it will drop your insurance considerably, may help due to your age.

trackers are a con, is your freedom and privacy worth only a few hundred quid?

If you don't modify the car for a while you can try insurethebox.com. They'll fit a tracker to your car and it will drop your insurance considerably, may help due to your age.

trackers are a con, is your freedom and privacy worth only a few hundred quid?

Privacy is hardly at risk, they can't spy on exactly where you go as they are not permitted to do that, it's the same with personal use on a tracked work vehicle, they can only search for it if it's reported stolen. If you break the speed limited it will flash up on their systems what speed you are doing and on what road without them having to even search for it and as a result you can (but not necessarily) be penalised but you can still receive a years no claims irrespective. The system will also register sudden breaking as that can in some instances cause accidents, but chances are if nothing happens as a result of the breaking you will not be worse off from it. So yeah, it's not exactly a breach of your privacy or freedom because you aren't really supposed to speed or drive like a knob anyway... It's fine as long as you adhere to how you are supposed to be driving whilst tracked, which is technically how you're supposed to drive under the highway code...

I know they can be funny about driving very late at night, but honestly those who I know with trackers have had no issues as long as they have remained accident free, driven properly and not sped.

I personally wouldn't bother, I'd just have a private tracker put in my car that I can access as that can also lowers insurance premiums, but it's a solid option for someone struggling to find a good rate who happens to be of a younger age, hence why they are popular with under 21's and new drivers.

If you don't modify the car for a while you can try insurethebox.com. They'll fit a tracker to your car and it will drop your insurance considerably, may help due to your age.

trackers are a con, is your freedom and privacy worth only a few hundred quid?

Privacy is hardly at risk, they can't spy on exactly where you go as they are not permitted to do that, it's the same with personal use on a tracked work vehicle, they can only search for it if it's reported stolen. If you break the speed limited it will flash up on their systems what speed you are doing and on what road without them having to even search for it and as a result you can (but not necessarily) be penalised but you can still receive a years no claims irrespective. The system will also register sudden breaking as that can in some instances cause accidents, but chances are if nothing happens as a result of the breaking you will not be worse off from it. So yeah, it's not exactly a breach of your privacy or freedom because you aren't really supposed to speed or drive like a knob anyway... It's fine as long as you adhere to how you are supposed to be driving whilst tracked, which is technically how you're supposed to drive under the highway code...

I know they can be funny about driving very late at night, but honestly those who I know with trackers have had no issues as long as they have remained accident free, driven properly and not sped.

I personally wouldn't bother, I'd just have a private tracker put in my car that I can access as that can also lowers insurance premiums, but it's a solid option for someone struggling to find a good rate who happens to be of a younger age, hence why they are popular with under 21's and new drivers.

Trust me they know where that vehicle is all the time.

I moved my GF's dads works van 10 foot up the road, he got a phone call from the company asking why he was using the van on his day off.

As for insurance trackers, dont bother. I've seen the way they get installed and once fitted the insurance company wont come and remove them if you leave after a year.

I'm not saying they don't know but what I'm saying is that they can't spy on where you go, as in watch your every move or ask why you are going to a certain place as that is an invasion of privacy. If your girlfriends dad has no personal usage then that is why he was asked; if my boyfriend were to move his van after 6pm on a Friday and before 6am Monday morning when he's not on call he would be asked why and if it's him in the van, as it's set up to register as so. My father, however, has personal mileage and so can move the car whenever he wants and to wherever he wants without question. If he has personal usage he should not be being questioned because they are not allowed to do that, in fact his company got sued for prying into where a colleague of his was going every weekend after watching him out of boredom and then poking fun when they worked out it was his girlfriends house...

My best friend is getting his tracker removed by an operative sent by the insurance company next week as he's switching insurers now he's had a year on the road? I wouldn't categorically state they don't bother but that's by the by. I also wouldn't say that all tracking companies provide appalling service as you explained and I wouldn't say that they all provide excellent service, but it's the same with any insurer, for example someone could contact my insurer tomorrow and receive terrible service and get a worse deal than me. Sadly it depends on who you go with in the first place and who you speak to, as some staff and not as motivated to be helpful or ensure something is done properly. Just need to research thoroughly into the type of company you are investing your interests in. And a tracker can, as I said, still be a good option for a young or new driver if you lack the facility to otherwise lower your premium by other means.

Point is, you're going to hear horror stories regardless of who you opt to insure with, it's good to get recommendations but in the end I found it's best just to look at a few companies and thoroughly go over what they are offering you, if it's at a rate YOU are happy with and giving a level of cover YOU want and YOU are happy with all the terms and conditions then insure with that company because at the end of the day if you have read everything and they don't provide the service you agreed to it's their fault and not yours. If you spend your life listening to bad tales about certain types of insurance or particular companies then you will get no where. I just called up a few companies for a chat before I chose who I was going to insure with, speaking to the staff and hearing about the policy verbally can show you a lot about a company and it's a good chance to ask questions about what they offer/types of cover/extras/offers/if you can negotiate etc. ^_^

the bit about the insurance that pisses me off is I'm 25 and my gf's 21 so its not like wher 17 drivin a chavvy 1.1 saxo or a corsa with big exhaused and stuff like that I'm tryin 2 insure a diesel estate not asif its a car a chav would own so i cant see how they can quote me nearly 3 grand. or £400 to move a mile down the road.

still costs me £850 to insure myself on a 1.1 saxo.

no worries its only £350 on a 2.3T Saab Aero.........

no brainer really.

My other half will be learning to drive soon, her insurance will be ridiculous as shes classed as High risk due to her epilepsy (year and a bit since her last).

the bit about the insurance that pisses me off is I'm 25 and my gf's 21 so its not like wher 17 drivin a chavvy 1.1 saxo or a corsa with big exhaused and stuff like that I'm tryin 2 insure a diesel estate not asif its a car a chav would own so i cant see how they can quote me nearly 3 grand. or £400 to move a mile down the road.

Depends on statistics of that car getting into an accident I guess, they'll look at that sort of car, people of your gender and age, the area, all sorts of factors. £400 is a bit excessive but companies go mental with admin fees just because they can, only thing that can happen is they get criticised for it :/ But it's hardly fair because if you didn't change your address with them you'd be in the wrong and have to pay anyway :( The litreage probably has something to do with it and because it's diesel I'd imagine it has a turbo? Little things will just stack against you, best bet might be to speak to a few companies directly and see what they can do for you, also helpful as sometimes the forms you do online aren't as accurate and can be a bit vague when they ask you stuff. Maybe change who's the policy holder and who's the named driver? Insurance companies can still discriminate on gender for a little while I think. Maybe third party, fire and theft for a year?

Aviva wanted to charge £20 to change my car but if I did it online it was free :-)

I moved house and it went up around £200i think it was

But it was understandable

Went from my mums:

Good postcode , More up market , Private Drive

To my own place:

Not too bad of a place , Some jezzy kyle cases here , Comunal carpark

Which is fair enough as I'm more at risk here , My car has been doored so many times outside!

Also put the mrs on the inurance but it didnt go up with her on , just stayed the same

Edited 7 November, 201213 yr by mpsheen

it all depends on the postcode as to what your insurance is. its shocking. everytime i have gone to renew my insurance it is much easier to take out a new policy than continue with the old one. i got quoted £1300 for my punto and actually got my insurance for £300 - £1000 saving brill eh? and this time on my polo they wanted £777 but i got it for £334 another good buy thanks to compare the market! totally brilliant site.

the bit about the insurance that pisses me off is I'm 25 and my gf's 21 so its not like wher 17 drivin a chavvy 1.1 saxo or a corsa with big exhaused and stuff like that I'm tryin 2 insure a diesel estate not asif its a car a chav would own so i cant see how they can quote me nearly 3 grand. or £400 to move a mile down the road.

Depends on statistics of that car getting into an accident I guess, they'll look at that sort of car, people of your gender and age, the area, all sorts of factors. £400 is a bit excessive but companies go mental with admin fees just because they can, only thing that can happen is they get criticised for it :/ But it's hardly fair because if you didn't change your address with them you'd be in the wrong and have to pay anyway :( The litreage probably has something to do with it and because it's diesel I'd imagine it has a turbo? Little things will just stack against you, best bet might be to speak to a few companies directly and see what they can do for you, also helpful as sometimes the forms you do online aren't as accurate and can be a bit vague when they ask you stuff. Maybe change who's the policy holder and who's the named driver? Insurance companies can still discriminate on gender for a little while I think. Maybe third party, fire and theft for a year?

we have tryed it both ways it always turns out better in the gf's name but cheapest we can get it is £1200 cos she only has 1 yr ncb and i dont have any

Aviva wanted to charge £20 to change my car but if I did it online it was free :-)

I got a quote to change to a Polo exactly like mine, same year, colour, engine, trim etc and they said that they would refund me £20. When it came to buying the car I have now it suddenly changed to £0 changing hands...

Privacy is hardly at risk, they can't spy on exactly where you go as they are not permitted to do that.

believe me they can and do, one of my mates had one fitted to his punto and he got a phone call off the insurance wanting an extra £300 because he was staying at his gf's house a couple of nights a week and parking on the street (he told the insurance he parked it in a garage overnight)

but thats not my main gripe with trackers but the fact is if fitting a tracker lowers your risk enough it would be easy for insurers to force everyone to have one fitted by making those who doesn't have one uninsurable, also the government and police will want access to this information and could therefore tax you for every mile you drive and issue fines and points instantly if you drift over the speed limit by a couple of mph, go around corners too fast. making traffic cops and speed cameras obsolete.

if this sounds a bit farfetched remember the technology is already here all they need is the infrastructure to implement it.

If your taking out a policy befor December 21st, wait.

Talks on news & radios saying that men's will fall and women will rise

If your taking out a policy befor December 21st, wait.

Talks on news & radios saying that men's will fall and women will rise

my renewals on the 1st of december , will it be worth waiting do u think ?