“ Insure.co.uk is a motor insurance company and can be used by U.K residents only. „
Just think about it for a bit. You get your first year's premium back if you haven't claimed for 5 years. Remember the old adage? "There's no such thing as a free lunch". The chances are very high that you will need to make a claim within this time span. You may find that the cost of the excess and the loss of your premium back makes the cost of the claim not worth it. So who gains? Not you. You've got to pay for your car to be fixed. In my experience, having tried this site on a number of cars/people, they are not that competitive. The draw is getting that first premium back, which you may think is worth it. So you pay that 20 quid extra. But what about next year, and the year after etc etc The only winner is the insurer, who by dangling this carrot is guaranteeing you will stay with them, come what may, for 5 years. Think very carefully folks.
I've seen the adverts on the telly and went in for a quote. The form filling was fairly straighforward untill I was trying to put in the details of my second driver. In the field for occupation I put "retired" and pressed the search button as required. This found retired so I moved on. The next field is for employers business, as I had put in an employement type of retired I left this blank. Of course I couldn't continue with a blank field. I entered "none" and hit the search button, no matches. I had no other ideas. I filled in the e-mail comments form explaining this problem and was told that if the employment type was "retired" the employers business should be entered as "Not in employment". How ridiculous to expect people to work this out, the business type is not a pick list so you have to guess that not in employment is the right thing to type. I wrote back to them explaining that this was unlikely to be a phrase which popped into your head and they didn't reply. Their quote was also one of the higher ones I obtained.
I recently took a look at one of the new insurance wesbites after seeing it advertised on tv with that bloke off Top Gear (not Jeremey but the other one) and on the face of it it looks quite impressive. The company have two good things going for them - one is no matter when your insurance is due, you can get an online quote that will be valid for up to 11 months, so you can use the quote when your insurance is up. The other good point is that if you stay with them for five years, you can get back your first years premium in full. To do this you have to sign up for cashback while taking out your policy. The site is easy enough to find your way around, and getting a quote involves answering a couple of questions - ie car make and model, how much no claims you have, etc etc. You are then presented with a quote and it's up to you whether you want to take it further. To be honest, I haven't got any further than getting a quote for one main reason. My quote came in at £587 fully comp on an E reg Escort with 1 years no claims. Not bad considering I'm paying that much now for third party only. The problem is that I haven't yet found a way to opt for third party only or TPFT cover on the site, or to add other drivers onto my quote. I suppose I could do it by phoning them but isn't that defeating the object? I can imagine that this would be a brilliant site if you have loads of no claims bonus and a top of the range, sex on wheels car.
Having just received my motor insurance renewal from Direct Line, who I have been insured with for some time, I was shocked to see it had shot up about 20%!! I decide to try Insure.co.uk as advertised on the telly by Quentin Wilson. It is an easy to use site which asks you all the idiot proof questions to do with car insurance and then pops out a range of quotes from the lowest (suprisingly by their preferred insurer!!) to the highest (more than the car was worth!!!!!) and then obviously gives you the option to follow up. I quite liked the look of the quote so I clicked the take up button, and guess what?? Yes it could not be done on-line and I had to phone them just so they could interrogate me a bit more. The result was a quote about £15 more than on line. I was still impressed so decided to take up the monthly instalment option, and gave the rep my switch details for the deposit instalment and awaited the paperwork. This came through after a couple of days, and just by chance I looked at my bank balance.....BEWARE!!! THEY HAD TAKEN THE FULL AMOUNT OF THE INSURANCE!!!! I contacted them yesterday,(Saturday), and they were all apologetic and promised me that on Monday they will be transferring the balance (minus 1st instalment) back to my account. I have told them I will be on the phone all day Monday until it is done!!! A good service, but 1. Why bother with internet? 2. Look out for what is taken your bank account