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Well for the first time in a few years I decided to shop about a bit with my car insurance cos the last few years I was just too busy and didn't get the time so just allowed it to auto renew... My goodness what a minefield...
What I don't understand is that now Third Party only is more expensive than fully comp... It makes no sense what so ever.. Then you actually add stuff like business use and it gets cheaper?
I started off with Aviva who wanted something like £550 for full comp ( I have 10 years no claims by the way). My car is almost 15 years old now so I said how much for third party only and it went up to like £600???? Apparently their whatever research tells them that people who only have third party insurance care less so are more likely to have an accident??
So I went to a compare web site and indeed in every case third party only or third party fire and theft is more expensive? When did that happen?
So I went for the cheapest I could find which was Hastings Direct at £299 and called them up as there was a few questions I had after filling in my details on the web site... We went through all the details and he had on their system that I had a fault accident that I hadn't claimed, I had said it was no fault as that's what I was told by my current insurance (apparently it was a 50/50 and they paid no money out so its a no fault?). Even with that fault included we found out that it was actually even cheaper to go for their premium insurance and this is fully comp and business use including commuting to and from work and it ended up at £247...
It makes absolutely no sense at all...???
Anyway.. Rant over. I just don't get it?