Car Insurance: Get A Cheaper Renewal Price

If you're new to driving, have been involved in a few crashes (at fault or not), or have points on your licence for whatever reason, chances are your car insurance isn't going to be cheap. At least, not as cheap as it could be. But there is still hope. When it comes to discounts, car insurance can be summed up in one common phrase: If you don't ask, you don't get.

If your car insurance is due for renewal, and the price is either higher or almost the same as the previous year, making you feel that the price isn't fair, absolutely never just let cooling-off period come and go and start a new year without phoning your insurance company first. You could always get a new quotation online from one of the many websites offering such a service (confused.com, comparethemarket.com etc), but if you don't want all the hassle of changing insurers it can be a smart move to ask your current insurer if they can negotiate on the renewal price.

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Practically every year without fail, I have phoned up my insurance company and managed to get a discount of several hundred pounds, simply by telling them that I'm not happy with the renewal price. They don't want you to leave, so most of the time they are willing to bring the premium down to keep you as a customer.

You may have to explain yourself a bit and point out why you think your premium should be cheaper. Things like - I only drive a small engine car (if you do), I have x amount of years of no claim's bonus, been a loyal customer for quite a few years, it's more than it was last year etc. And also let them know that you are considering leaving them, but if the price is lowered you would rather stay.

Basically, say whatever you feel fits your situation, that's truthful, which you can leverage to your advantage to make a case of why it should be cheaper.

Has anything changed that could naturally lower the price of your premium. Such as, safer overnight parking, driving fewer miles annually, working fewer hours at your job., or even working from home.

For many people, due to the situation at the moment, they genuinely are driving less and are either working from home or doing fewer hours at work. So these are great things to mention that will definitely affect how much you pay, or in our case, get discounted. Furthermore, car insurance companies know many people are struggling right now and will lower the price of your premium on that aspect alone. All you have to do is mention that you are short of cash due to the current situation and this should help in getting the price down.

If you mention all these things, and they still won't budge on the price (not likely), ask to speak to someone higher up the chain. Explain yourself, mentioning all the points that you feel should help in lowering your insurance. I have done this exact procedure year after year, and I always get my insurance lowered. For example: This year (2020) my renewal came through and was a few pounds higher than last year.

I rang my up my insurance company, mentioning the current situation and how times are hard, working hours are less, I'm driving less etc, and I managed to literally get £250 off my renewal price. Needless to say, I thought that was fair, so I accepted the new premium.

Moral of the story: Don't be afraid to phone up your auto insurance company and do exactly what this article talks about to get a cheaper premium. Especially now. They are expecting calls such as this, and are ready to negotiate and drop the price.

If they don't budge on the price whatsoever, or the discount is ridiculously small, I would recommend either changing insurers, or, at the very least, shopping around by doing some quotes online. Then, if you get some good quotes, but don't really want to change insurers, ring your current insurer again and let them know about the low quotes you have received and ask them to match it.

A quick heads up: If you tell your insurance company that you have done some new quotes online, I believe they may have access to that information and be able to see the data that you have entered into the quotation form. If that doesn't match the information that you have on file with them they will most probably want to know why. If your answers do not satisfy your current insurers concerns, this could lead to the cancellation of your current insurance policy.

Renault Master Van Fuel Cap Release

How To: Open a Renault Master Fuel Cap. If you've recently got access to a Renault Master Van through your work or some other means, chances are you may be unfamiliar with some of the simple differences this van offers. One of those being the fuel cap release. Where is it? Well, unlike many vans, which have some type of fuel cap lock or release button in the cabin / dashboard, Renault have done things differently with the Master.

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With the Master there is no release button. The lock of the fuel flap / cap is actually the lip of the fuel cap and drivers door. When the driver's door is opened the fuel flap can be opened and the cap is able to be removed. Still unsure? See the picture above for the exact location. This is the same for both types of Renault Master, hard sided and curtainsider.

Bell Insurance Gives Back Mini Rebate

Bell Insurance Gives Mini Rebate. Bell Car Insurance have just emailed their 4+ million customers and informed them, by thanking them for staying at home, of an upcoming discount which is being applied to all vehicles that are insured with them (Must have been insured with Bell on 20 April 2020). That's 4.4 Million vehicles. This discount is a one off rebate of £25 for every vehicle.

Given the fact that so many people pay their insurance in monthly instalments, and monthly payments are well within the £70 - £125 range for a huge percentage of drivers, a one-time £25 GBP discount isn't going to be a great help for most people.

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Sure, it's always nice to get some money off, but the current circumstances require a discount with more impact. Something like, at the very least, £10 car insurance for one month for everyone. And the drivers who pay their premium off in one payment get a refund of one full month when the total paid for the year is split into approximately what the equivalent would be if they were paying monthly. That would have been a much more fair and sensible discount that people would have really noticed and appreciated.

But no, it's £25 off. However, if we take a look at the total amount Bell are giving back to their 4+ million customers, it does come to around £110 million, so its no small amount of money. But the total giveback numbers really puts into perspective just how much car insurance companies rake in each year. But that could change really fast in times such as these.

If this lockdown continues until late 2020, or even into 2021, and the economy stays the way it is now (basically shut down), its hard not to think that any discount offered is just prolonging the inevitable. Which is that soon a lot of car owners won't be able to afford to pay car insurance any more, resulting in fewer customers for car insurance companies.

Being furloughed isn't a permanent solution, and can only go on for so long. If the lockdown surpasses reasonable furlough limits, and employers just can't pay for their employees to wait-it-out any longer, this is when we could see another surge of people who will be forced to claim benefits, which will cripple the economy even further.

Let's hope it doesn't come to that. So, for now, if you're a Bell customer, enjoy your £25 discount. If you're not a Bell.co.uk customer have no fear, I believe the rest of the car insurance industry as a whole are following suit and will be giving some form of monetary relief to their customers in the very near future.

Bell Car Insurance: Covid-19 Discount

Bell Car Insurance: Covid-19. I've been in contact with Bell Car Insurance to see if they are going to be offering their customers some financial help during this uncertain time. I mean, many people have lost their jobs, others are working from home, and some are on a reduced wage. The rest have no other option but to go and claim benefits. With lockdown due to Coronavirus the way it is, and with it not looking to end for some time yet, almost everyone is stuck at home for most of the day. So no one is using their vehicle as much as they normally would.

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Add to that the Economy has basically shut down, and you would think car insurance companies would see sense rather than dollar signs and offer some much-needed assistance. But no. Bell Car Insurance have confirmed that as of this time (10th April 2020), there has been no update for a "temporary payment suspend" and monthly instalments remain the same. So there you have it, just a nicer way of saying no.

Bell is part of the Admiral Group, so if Bell are not offering any help with payments through this time, it's fairly certain that no other car insurance company that are part of the Admiral Group (Admiral, Bell, Diamond and elephant.co.uk.) will be either.

Sad really, because a reduced rate should be offered to all vehicle owners, regardless of what insurance company they do business with. However, there is some good news. All MOT expiry dates (Expiring after March 30th I believe) in the UK have been extended by six months. Car tax is remaining the same at this time, but there is a chance that the longer this lockdown lasts, the more likely we could possibly see that change.

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