 Price v service
I am probably one of the many who does bother to check at renewal whether i am still getting a good deal on the premium sand regularly change. Personally for my age 30 something in kent, i found Tesco and L &V the cheapest and most hassle free (via web).
I always ring around because having had some experience with underwriting, the same company a year later can often be cheaper, whilst your current insurer may hike up their prices based on the previous years or periods claim experience.
My colleague was also keen to stress that saving £50 on the premium should be secondary to using someone that you knew would pay out in a timely fashion, and in the unfortunate event of a write off, would give you a good value. Whilst i agree with this, (as mentioned by a previous post) most of the blue chips tend to provide good service as reputation is very important. I generally avoid the smaller insurer because in the past i have found that they can be very tough on claims and have been known to put more effort into actively trying to avoid paying out.
Just my experience, but i also avoid brokers, as i had a situation once where i did have a problem and i ended up having a real problem trying to address the issues with the insurer, due to poor communication through the broker. |