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Yes, you guessed it: car insurance questions :(

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Ayrton
World Chat Champion



Joined: 02 Sep 2010
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PostPosted: 15:01 - 01 Nov 2023    Post subject: Reply with quote
Feasty wrote:
Is it just me, but after several years of dealing with car insurance I realised that the voluntary amount makes very little difference to the monthly/annual cost.
So for the past few years I just put £0 voluntary excess - we get stung by the forced excess enough as it is anyway!


I noticed when doing my girlfriends car insurance after she passed her test that it made a noticeable difference when it was higher but for me with 7 years driving it doesn't make any difference so I think it's only really a thing for new drivers. Also if you buy through GoCompare and you can claim £250 excess back from them if you have a crash.
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Freddyfruitba...
World Chat Champion



Joined: 20 May 2016
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PostPosted: 18:11 - 01 Nov 2023    Post subject: Reply with quote
Feasty wrote:
Is it just me, but after several years of dealing with car insurance I realised that the voluntary amount makes very little difference to the monthly/annual cost.

I've noticed that sometimes it literally makes no difference whatsoever... having chosen my preferred quote I always try tweaking the voluntary excess to see the effect.

Similar applies to estimated mileage covered, actually.
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DaddyStu
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Joined: 19 Jan 2023
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PostPosted: 18:28 - 01 Nov 2023    Post subject: Reply with quote
Freddyfruitbat wrote:

I've noticed that sometimes it literally makes no difference whatsoever... having chosen my preferred quote I always try tweaking the voluntary excess to see the effect.

Similar applies to estimated mileage covered, actually.


Had this discussion with an insurance broker over the phone when I insured my Tracer. Apparently there are thresholds where the algo does spew out a difference. Upto 7999 miles was significantly cheaper than upto 8999 miles.

I tweak the excess too and had to settle for 700 total - voluntary+involuntary. Not ideal.
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Daddystu
Zontes 125-G1 (part-ex'd). Yamaha Tracer 700.
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