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Right time to renew car insurance?

  • 21-05-2019 3:14am
    #1
    masterboy123
    Registered Users, Registered Users 2 Posts: 5,829 ✭✭✭


    My car insurance is going to expire in 4 weeks. I got almost similar renewal rate from AA as last year, even though this year I will be having 5 years NCB.

    I remember vaguely that last year I renewed 1 week before the expiry of insurance and got the best rates.

    Is it true that if you renew too early, then you maybe paying little extra?


Comments

  • #2
    Odyssey 2005
    Registered Users, Registered Users 2 Posts: 21,065 ✭✭✭✭Odyssey 2005


    masterboy123 wrote: »
    My car insurance is going to expire in 4 weeks. I got almost similar renewal rate from AA as last year, even though this year I will be having 5 years NCB.

    I remember vaguely that last year I renewed 1 week before the expiry of insurance and got the best rates.

    Is it true that if you renew too early, then you maybe paying little extra?
    Got my renewal. I was happy with it,338. I went online with the same company and got the sa.e policy with a deat benefit for myself and mrs O for 280. Worth a lash.


  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 25,493 ✭✭✭✭coylemj


    masterboy123 wrote: »
    Is it true that if you renew too early, then you maybe paying little extra?

    I wouldn't say it matters much if it's 1, 2 or 3 weeks before the renewal date. As long as you let them know that you've shopped around and have one or two better quotes.

    But you're asking if you could do this too early? I'd say no. Because the earlier you call them, the more time you have to play hardball and go looking for yet more quotes if they won't come down to your target number.

    Whereas if it's only a day or so before the renewal, they may decide to call your bluff and stick with their orignal renewal quote. On the basis that you're running out of time and will probably have to accept their quote because you left it too late to organise alternative cover.


  • #4
    biko
    Registered Users, Registered Users 2 Posts: 81,220 ✭✭✭✭biko


    masterboy123 wrote: »
    Is it true that if you renew too early, then you maybe paying little extra?
    Have you got the renewal quote letter with a quote in it?


  • #5
    masterboy123
    Registered Users, Registered Users 2 Posts: 5,829 ✭✭✭masterboy123


    Yes I did. The bluffing game started.
    biko wrote: »
    Have you got the renewal quote letter with a quote in it?


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