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I forgot to renew my policy on time - prior to it lapsing I went online and got quotes - the best quote was my current insurer and the quote matched the renewal offer /reminder. sent in post
Policy lapsed yesterday- i forgot to renew; - so i went online today - gocompare- and the best quote for like for like cover was my existing insurer - premium was now reduced by 35%
Phoned insurer- the reason for the lower quote is that 'your policy lapsed by a day- therefore we now treat you as a new customer with a 'one-off' discount for new business
Q: so if i allow cover to lapse for a day each year will i always get a cheaper quote?
A: well- you'r not meant to - but as things stand, yes you will
Policy lapsed yesterday- i forgot to renew; - so i went online today - gocompare- and the best quote for like for like cover was my existing insurer - premium was now reduced by 35%
Phoned insurer- the reason for the lower quote is that 'your policy lapsed by a day- therefore we now treat you as a new customer with a 'one-off' discount for new business
Q: so if i allow cover to lapse for a day each year will i always get a cheaper quote?
A: well- you'r not meant to - but as things stand, yes you will
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I think the operator just fobbed you off tbh
Its the same with lots of renewals. They just assume people are lazy and let it roll over so charge full price. If you phone them up theyll put you on the better rate. Did it with the AA about 2 weeks ago
Its the same with lots of renewals. They just assume people are lazy and let it roll over so charge full price. If you phone them up theyll put you on the better rate. Did it with the AA about 2 weeks ago
If you're over 50 try switching to a company like Age Concern or the like; I literally saved £100's by doing this. Another twist is if you do low mileage. The lower the annual mileage the lower the premium in a lot of cases but be careful not to under-quote your actual mileage otherwise they may not pay out on a claim. Finally, listen to Zazu (above); rather than lose you they will offer you a better rate.
do all these insurance charlatans not auto-renew anyway?
Thanks guys, I have now checked my renewal date and will be ready for them. 
on the same theme, i asked for 1year insurance, got rid of the car after 10 months.
Clearly i ticked boxes that signed me up for the 2nd year. that was never clear on my agreement.
The short of it they tried to charge for the 2nd year on an old card, got a bill for £78 for there troubles, told them to fook themselves.
Put 6 months of their sh1te in the bin
I should had claimed the last 2 months back, but i thought out of duty and good cover, go on.
Clearly i ticked boxes that signed me up for the 2nd year. that was never clear on my agreement.
The short of it they tried to charge for the 2nd year on an old card, got a bill for £78 for there troubles, told them to fook themselves.
Put 6 months of their sh1te in the bin
I should had claimed the last 2 months back, but i thought out of duty and good cover, go on.
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