Three problems with car insurance...
They all lost money in the last couple of years, so premiums going up to compensate.
Many of them sell your accident details to ambulance chasers who then help you sue for compensation which is paid out by the insurance companies who then ask us for more premiums to pay for the claims they started by selling your details in the first place! When the Government announced plans to stop this practice this week, shares in Admiral dropped as they are the biggest earners from this practice.
Many hand over the claim to a contract hire company, who put you in a hire car at obscene rates (some over £1000 a week) and then claim it all back from the other person's insurance. They do a hard sell and it sends costs rocketing.
The other thing is that most of the comparison sites are actually owned by some of the insurance companies - confused.com is owned by Admiral - so there is the suspicion that their own quotes always some up cheapest. You think you are getting the best deal, but in reality they are trawling for custom be making people think their quote is the cheapest. It's always worth asking Aviva and Direct Line for a quote as they generally don't appear on comparison sites.
My cost from Direct Line went up about 30%, and I couldn't find another quote better than 50% more than I was quoted.
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