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Insurance Renewal - Can I just use a new online quote?

  • 30-05-2022 3:25pm
    #1
    colly10
    Registered Users, Registered Users 2 Posts: 3,017 ✭✭✭


    Hi, I got my insurance renewal and I know I can get around 100 off if I just do an online quote with the same company.

    Is there anything stopping me doing this?



Comments

  • #2
    Miscreant
    Registered Users, Registered Users 2 Posts: 2,318 ✭✭✭Miscreant


    Call your insurance company and tell them that their system is giving you a quote of €100 less than your renewal. Ask them to match it and if they don't, just shop around and find a better quote elsewhere. Loyalty gets you nowhere with Insurance companies.



  • #3
    mondeoman72
    Registered Users, Registered Users 2 Posts: 935 ✭✭✭mondeoman72


    I am with zurich via chill. Renewal this week is 600 euro. I rang Zurich, quoted me 506 for same policy. I didnt bother ringing chill. Their blurb says "we checked 20 insurers....." Obviously didnt check hard enought......



  • #4
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,733 ✭✭✭✭Atlantic Dawn
    M


    https://www.boards.ie/discussion/comment/119140133#Comment_119140133

    Yes similar experience myself, I usually try direct with all those that Chill quote, sometimes works out cheaper going direct with the company.



  • #5
    Allinall
    Registered Users, Registered Users 2 Posts: 7,009 ✭✭✭Allinall


    https://www.boards.ie/discussion/2058248091/insurance-renewal-can-i-just-use-a-new-online-quote

    I do this virtually every year. I've been with the same insurer for the last three or four years, as they always come in cheapest. Their online quote as a new customer is always cheaper than the renewal.

    Never an issue.



  • #6
    callaway92
    Registered Users, Registered Users 2 Posts: 15,006 ✭✭✭✭callaway92


    https://www.boards.ie/discussion/comment/119140133#Comment_119140133

    That's because it's when you're renewing, is really when Chill make their money

    It's likely that difference in price (€94) is going into Chill's pocket. You could probably have gotten Chill to knock a few quid off it, but yes, once renewals are in-play you'd be better off going direct

    My last 3 years of Insurance have been Liberty (direct), Liberty (via Chill) and now Liberty (direct) again



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