Direct line give multi car/ family discounts that do not appear on comparison sites
How much?
- Thread starter Matthew_T
- Start date
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Direct line give multi car/ family discounts that do not appear on comparison sites
SatNavSaysStraightOn
Changed hemispheres!
- Location
- ɐᴉlɐɹʇsn∀ 'ɐɹɹǝquɐƆ
If you were insured on your parent's policy, you may find that Direct Line will 'assist' with a discount in the name of a NCD, if you and they have had no claims. This is what I ended up doing after years and years of being insured on other people's (parent's and then husband's) policies because I could not afford to pay the insurance for the type of vehicles I was driving (
). I went to an XR3i immediately after passing my L plate test at 17 (mother's car which I purchased from her before I was 20) and then eventually on to an Audi A4 2.8 Quattro (insured via my husband's policy first and then my own after talking with direct line). Now, I just don't have a car so problem resolved.
swee'pea99
Squire
The reason you can get a cheaper quote by adding mum & dad is that they're effectively letting you benefit from their no claims discount - which also means putting it at risk. It's not a 'no strings attached' no-brainer. If they do let you do it, drive really carefully...'cos if you have a claim, it could cost them a packet.
Do checkout the comparison sites. Moneysupermarket is the one I've ended up using most often. Google the results before you decide - you'll often find the cheapest quote produces horror stories online, while stumping up an extra £28 gets you cover from a 'name' insurer that just happens to be looking to get business right now, for whatever reason. One other advantage of using, say, Moneysupermarket is that once you've filled out the form, they retain all your details, so next year, when you come back to do another search, you don't have to start at square one.
Do checkout the comparison sites. Moneysupermarket is the one I've ended up using most often. Google the results before you decide - you'll often find the cheapest quote produces horror stories online, while stumping up an extra £28 gets you cover from a 'name' insurer that just happens to be looking to get business right now, for whatever reason. One other advantage of using, say, Moneysupermarket is that once you've filled out the form, they retain all your details, so next year, when you come back to do another search, you don't have to start at square one.
IME Admiral is "no frills" insurance in the same way as Tesco Value dog food is "not gourmet" steak tartare
on the road
Über Member
I don't care, years and years ago I used to drive around with no insurance and being a very careful driver (for obvious reasons
) but now I just go with whoever is the cheapest, whatever it takes to make me legal. My car is a couple of years old now so TPFT is good enough for me, it's just a case of trying to get through the year without a claim and then I've got another years no claims bonus, so now I've got 10 years no claims.Are you sure about that? Adding someone as a named driver and then you claim won't be recorded as a claim agasint them therefor I can't see how it would affect their NCD?
Tanis8472
Guru
You also need to check the compulsory excess!!
Sometimes its not worth having comprehensive/fire/theft cover.
The excess could be more than the vehicle is worth.
Sometimes its not worth having comprehensive/fire/theft cover.
The excess could be more than the vehicle is worth.
Dave Davenport
Guru
- Location
- Hampshire
I've found that prices quoted on comparison sites tend to be a load of cobblers when you actually try to buy a policy.
Dave Davenport
Guru
- Location
- Hampshire
Third party only is usually more than fully comp for some reason.
swee'pea99
Squire
Fair enough. I'm probably talking out of my bum again...I often do. My understanding was that a policy with them on would be 'their' policy too, so any future policy they took out would factor in the fact that 'they' had made a claim. I could be wrong.
As to "I've found that prices quoted on comparison sites tend to be a load of cobblers when you actually try to buy a policy." - really? I never have. They list the options; you click on 'buy'; you buy. At the price quoted. At least, that's how it's always worked for me.
Tanis8472
Guru
See below 
Tanis8472
Guru
Monkreadusuk
Über Member
Just make sure that you get fully comp. When I first got my car and motorbike I went tpft to save money, however after seeing the devastating effects having only tpft can cause I wouldn't get anything other than fully comp. Imo, third party is a pointless option and shouldn't be offered.
If you name a driver it means that some of the driving will be done by the named driver not the main driver and as the car can only be driven by one person at a time, the fact that some of the miles are by a 'safer' driver means the likelihood of a crash is less therefore the insurance will be lower.
As for comparison sites, you are right...click buy now and you will get that price. The only circumstances you would not is if you then go directly to the insurance company, change the details or try after the quote has expired (usually 30 days)
Piemaster
Guru
- Location
- UK City of Culture
When I bought the Alfa Spider my usual broker quoted nearly £700.
Went Aviva, took out a multi car policy with the family car and got both of them for a bit over £500, the spider being £150 (all my no-claims + limited mileage). Went back to them a week later for breakdown cover on both cars £70+ for both and 1/2 hour later they rang back to apologise they had made a mistake.
"So how much more then?"
"No, sir. You already had breakdown cover on your insurance policy, We'll be refunding £65 per vehicle"
So thats £85 to insure an Alfa drop top, slightly more than a tank of fuel. Sometimes I like being an old git.
Went Aviva, took out a multi car policy with the family car and got both of them for a bit over £500, the spider being £150 (all my no-claims + limited mileage). Went back to them a week later for breakdown cover on both cars £70+ for both and 1/2 hour later they rang back to apologise they had made a mistake.
"So how much more then?"
"No, sir. You already had breakdown cover on your insurance policy, We'll be refunding £65 per vehicle"
So thats £85 to insure an Alfa drop top, slightly more than a tank of fuel. Sometimes I like being an old git.
