Another with Admiral Multicar. MC Stradale and an RS Q3 Performance insured for just over the £1,100 - low risk area, both mid-40s, one with 5yrs NCB, the other named driver only as history. Didn’t think that was bad, and adding another car would have probably brought the premium down!
Yup, Admiral Multi-car.
About £450 for the QP plus a few hundred for the Volvo and Fiat (3rd party, fire & theft). Tried to do the QP 3rd-party but they said it was too valuable (???), but premium reduced by nearly £100 when I pushed for a maximum excess (£1,300).
Also, a cool thing they can do is sign you up for multi-car, but only bring the other cars into the policy when their old policies expire.
Now here's a thing. And bear with me on this. I agreed in a fit of guilty parenting to sort out insurance for my daughter a newly qualified nurse / midwife.
Told her to let me know the best quote. So the two best quotes were 580 from Hastings direct and 620 from Hastings online - different compulsory excess.
She eventually got hold of me (Thursday) and asked which she should take. Cheapest obviously as I threatened to beat her up if she claimed!
So she goes back to computer (Friday) and ....... Both quotes have gone up! By 12% overnight!!
( No she hadn't claimed in the intervening 12 hours)
So I suggested that she use a different computer (cookies can influence some commercial aspects!)
Tried her boyfriends computer next day (Saturday). Both quotes had gone up a further 10%.
Did some online sleuthing.
Meantime by Monday prices had gone up another 16%
It seems insurance pricing online is changed by a) time to go until expiry of current Insurances, b) day and time you are looking ( volume of similar traffic across website) and c) the number of punters taking up various insurance products.
It seems to have not much to do with facts!!
So I got her to ring Hastings and explain the issue. She got the insurance at the original £580.
I was shocked at the patent manipulation of pricing!!