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The great Direct Line rip off (again)

andy_k

MB Enthusiast
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Apr 23, 2003
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Location
Bexhill, East sussex
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I know it's been covered on here before but I thought it was worth ressurecting :)

Just like the TV ad for Nationwide, Direct Line are back to their "Brand New Customers Only" routine.

My renewal notice arrived today, thanking me for my custom over the past few years and telling me how they'd worked out the best possible price for next years cover.

I was more than a little surprised to see that it had gone up by nearly £150 over last years price despite me being entitled to an extra years no claims, additional discount for being named on another Direct Line policy (10% discount) and for us having two cars at the same address insured by Direct line (another 10%) so I decided to check on line........

I entered all the same details except the named driver and two cars at the same address and stated that I'd park the car on the road rather than on the drive.

So in theory the quote should have been higher.

Imagine how pleased I was when the quote came up at £170 below my supposed "best possible price"! :eek:

To add insult to injury, the Direct Line Breakdown cover which was quoted at £120 on my renewal was subject to a 25% if bought on line. :eek:

Ten minutes on line could save me over £200

Phoning Direct Line proved fruitless as their office computer systems were down. The guy was helpful and told me that nearly every customer can get it cheaper this way. Royal Bank of Scotland are more interested in generating new on line customers than keeping existing ones happy.

His advice (off the record of course) was to ring back and tell whoever I get to speak to that unless they beat the online quote by at least 15% I will cancel the policy on the day before it is due to expire. Apparently cancelled policies cause them grief as they have to explain why they lost a customer and that the computers will have to generate refunds etc thus wasting more time and money.

However, those who just don't renew policies are seen as "natural wastage".

I'm really annoyed about this one :mad:

Andy
 
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Wifey had a similar experience with Churchill Insurance.
 
on a similar vein, my renewal for green flag was £10 more than a new online customer, despite a 10% ncb.

Apparently, when I called the computers couldn't price match, so was advised to become new customer!!!

Bizarre!!

And confused.com proved very good for other insurances.

Paul
 
Had the same, in the end, I changed to Admiral, who do a proper multi-car policy (friend of mine saved over £400 with this).

Also had the same problem with the RAC ie renewal more expensive than on=-line quote which was for 'new customers only', rang back and said that I would cancel, was told that one way around would be for wifey to be the new customer and myself and kids added. I told then that they were wasting my time and joining the AA, operator had a word with her supervisor and said they could let this through. I'm was pi$$ed off because I've been a member for many years and have a breakdown warrenty with MB, so I don't actually need it for myself.

It pays to ring around!:devil:
 
Just renewed my insurance for 06 C 320cdi with Churchill at £360.00 about £70 squid cheaper than tesco...:bannana:
 
robtt said:
Just renewed my insurance for 06 C 320cdi with Churchill at £360.00 about £70 squid cheaper than tesco...:bannana:
Oh no! This is NOT going to become another "I got my insurance cheaper from xyz" because in the end the threads are worthless.

Please no-one else post about their various premiums, it's not really a lot of help! ;)
 
Shude said:
Oh no! This is NOT going to become another "I got my insurance cheaper from xyz" because in the end the threads are worthless.

Please no-one else post about their various premiums, it's not really a lot of help! ;)

Agreed!!

But this business of being a new/returning customer really pi$$es me off. All customers should get the best quote. :mad: :mad: I always end up shopping around when renewal time comes as it pays to and yes you will get different quotes from the same insurer on different days(which is why the my premium was this is meaningless) - it's how it works - but other than that it shouldn't make a jot of difference.;)
 
well after spending nearly an hour on the phone I've managed to get what could best be described as "a result"

Initially direct Line weren't budging on the difference until I said the web site keeps insisting we live next door (the form was automatically taking the address from the post code) and I couldn't change the address.

The girl then said that because there was an error on the quote she could look at it for me and do the job manually.

She got the price down even lower than the web quote (only by a couple of quid) and gave us an upgrade on the breakdown service as a good will gesture.

End result is that our insurance renewal has just dropped in price by over £200 :)

It really shouldn't be this difficult though

Andy
 
My renewal is due soon and I was this very day offered cover (actual insurance coming from Norwich Union) for two cars in return for the princely sum of £1142. A big hike methinks, so call up the broker and all the usual BS: best price, excellent cover, blah, blah,blah.

Multi car cover via Admiral website, Guaranteed NCB, quoted £568. I feel another phone call coming on
 
dagd said:
Had the same, in the end, I changed to Admiral, who do a proper multi-car policy (friend of mine saved over £400 with this).
Isn't it Admiral (and their related companies) who only pay out the basic cost of the car if it's written off, and won't include options?
 
Had the same with Green Flag....cheaper to go online and become a "new" customer again than accept the renewal quotation they sent me...saved £10 this way!!

Impressed by confused.com......looks as if it could save me 20% when I have to renew my car insurance and I thought I already had a compeditive deal!
 
Similar thing happened to me with Quinn Direct last year (they do insurance over your way now too). Coming up to my renewal I got an online quote to get an idea of what I was looking at, I was happy enough and thought no more about it, till I got the renewal notice which was double the online quote.

This had me slightly annoyed as I had been insured with them for 5 years at that point, a few phone calls to the call centre sorted it out though and they bet their own online quote, still left me feeling like they had tried to bend me over and crack out the vaseline. :crazy:

The moral of the story is always double check your renewal by getting a quote under a different name or online for comparison sake, then hang the ba5tards.
 
I only left directline because they flat refused to even match their online "brand new customers only" quote, which would have saved me about £150.

Me: "Is there anything you can do to improve the quote?"
DL: "You could drop legal protection, that's £17 saved."
Me: "I was thinking more like about ten times that amount"
DL: "no, sorry, the renewal price is the *best* price."

Ended up with Norwich Union, although I doubt I'll renew with them.
 

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