On 09/03/2013 22:36, Sam Plusnet wrote:


Just change insurers and it will cost nothing. You will probably get
cheaper insurance by not being loyal.

True, but it's a major hassle to read through all the T&Cs, Policy
documents, search the fine print for exclusions that will come back &
bite you etc. etc.

You have to do that with a renewal quote as well.

Another of the tricks these insurance companies adopt is the renewal
will have different terms and conditions to the current policy. Some
changes are easy to see, such as excess values which often rise by
£100/£500 on renewal, but other are hidden in the policy document which
change on a daily basis.

I once had motor insurance where the excess on glass breakage was £25
and on the renewal quote it had risen to £500.

The renewal may be 30% more expensive but often the companies are also
taking a lesser risk by increasing the excess amounts.

Furthermore, are you buying the actual insurance from Tesco, SAGA, the
AA etc.? They buy in the insurance from other parties and will chop and
change on a regular basis based on which company gives the best commision.

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