Brokers are the biz!

kerry4sam

I received my insurance renewal quotation from same company I've used with 5-years (since I bought my first ever car) and eventhough I changed my car in May this year (see here) I was okay with the quotation.

Today something told me check with a broker and see what they come back with and what-d'ya know : Car Insurance Broker gave me a quotation; same insurance company I've always used came back cheapest; fully comp; insured my 5-years no claims and all came back at 140euro cheaper that what they quoted me directly themselves.

Off I went to get them to explain themselves as both my Late Loving Dad who had full licence over 40-years paid almost same as me as a young female driver in his last ever quotation with them and now this 140euro difference.

They were a lickle taken aback with the price difference; apologised but could only say their HQ send them on their weekly quotations and they've allowance to give a certain % discount at their discretion but no way would their discount come close to the monies I saved today.

Just a thread to urge you folk to look around and don't hesitate in seeking answers from those with whom you're parting your monies with.

Hope this benefits someone,
kerry4sam

TheBody

Every year I always phone a bunch of brokers and insurance companies directly. In my experience, it changes year on year as to which is cheaper.

The past two years, the cheapest I have found is going direct with Aviva.

I have no loyality to any company whatsoever.

Bongalongherb

I had to renew my insurance 3 weeks ago, but there I was as per usual typing in my details to Chill Insurance online, and not even half way through it I get a call on the home phone from have a guess ? yes Chill Insurance. They were fast acting in making contact with me. But I can't stand folk ringing me when I'm trying to do it online.

I got a few discounts from Chill and with the extras it came to the same price as my previous insurer and it was the cheapest all around so happy days, but I wish they didn't monitor my input on their website as I'm not a fan of being called out of the blue like this.

The insurer I'm with now is ARB Underwriting Limited. I never heard of this crowd before.

Del2005

kerry4sam wrote: »

I received my insurance renewal quotation from same company I've used with 5-years (since I bought my first ever car) and eventhough I changed my car in May this year (see here) I was okay with the quotation.

Today something told me check with a broker and see what they come back with and what-d'ya know : Car Insurance Broker gave me a quotation; same insurance company I've always used came back cheapest; fully comp; insured my 5-years no claims and all came back at 140euro cheaper that what they quoted me directly themselves.

Off I went to get them to explain themselves as both my Late Loving Dad who had full licence over 40-years paid almost same as me as a young female driver in his last ever quotation with them and now this 140euro difference.

They were a lickle taken aback with the price difference; apologised but could only say their HQ send them on their weekly quotations and they've allowance to give a certain % discount at their discretion but no way would their discount come close to the monies I saved today.

Just a thread to urge you folk to look around and don't hesitate in seeking answers from those with whom you're parting your monies with.

Hope this benefits someone,
kerry4sam

Usually your renewal is more expensive because they give discounts to new customers. By going through the broker you became a new customer. Still doesn't explain the €140 difference.

Personally I never go back to my current company if I get a cheaper quote. If they want my business give me the best quote from the off, not a quote that can suddenly match a different company if queried.

RacKenny

I always just accepted my renewal quote until this year when I saw a recommendation on boards.ie for lowestquote.ie. I sent the quote I had received from my insurance company to them and they found me a much cheaper quote. I think they manually search the latest prices. Saved me the bother of doing it anyway and more importantly saved me money!!

WacoKid

I get cheapest quote around and give my current insurer opportunity to match it in order to save on admin for everyone. This year got a cheaper quote by about 10%, current company said they would not match it, so I said bye bye and switched.