Alliance and Leicester Car Insurance 1 year free if they can't beat your renewal. - HotUKDeals
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I was searching for car insurance the other day and came across this.

Alliance and Leicester guarantee they can beat your insurance renewal quote or if they can't they'll give you a whole year free.

My current renewal was £740 (Third party Fire and Theft) but when i filled out their form I entered £500 (Comprehensive). They quoted me £489. I checked all the policy wording and can't find anything saying they need proof.
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#1
i guess if it comes to 'not being able to beat the renewal' they will require some sort of proof.
#2
Their terms state:-

*’One year’s cover free’ would be for the year from your next renewal date and would only apply if we cannot beat your existing renewal quote, and excludes existing Alliance & Leicester Car Insurance customers. In addition, this offer relates to like for like cover on equivalent terms to your renewal notice only and is subject to a minimum £100 damage and theft excess and a minimum renewal premium (£194 comprehensive and £95 non-comprehensive). Subject to our insurer’s normal underwriting criteria. Excludes optional extras e.g. legal expenses and breakdown cover. This offer can be withdrawn at any time. A copy of your renewal invitation or notice from your previous insurer will be required. In the event that the above terms and conditions are met, and we are unable to beat your existing renewal quote, the free cover would be provided when you take out the policy with Equity Insurance Brokers Ltd and will be by way of a cheque to the value of the annual premium charged, payable to the policy holder. The free cover will apply to the first year’s premium only.

I was really looking at the price they quoted me as its the cheapest by a longshot so far. It Doesn't say anything about proof if they do beat your current quote.
#3
it does state that in the terms and conditions...

Defo going to try this when mine is up... usually noone gets near my renewal by a good 400 quid!
#4
their quote price for me was £140 more expensive then directline. Make sure you doublecheck the 'assumptions', they are prechecked to give you the lowest possible quote, howeverif any of the information is not correct your entire insurance is invalid.....

A bit naughty, and i suggest something that will come back to bite them on the bum.
#5
I changed all the assumptions personally changed all the assumptions coz i wanted to make sure it was all legit.
#6
According to Martin Lewis its a "CON" They have never given anyone a years free insurance. If they cant beat your quote they just say they cant insure you on that vehicle!!!! (clever advertising)
#7
worth a shot tho!
#8
Can't get them to give me a quote online.

I keep getting a message saying to phone instead.

They won't get near my quote from CIS of £176 (+ £60 cashback from quidco), and I doubt if they'll even come close to my renewal from Halifax, but I'm 5 weeks away from renewal.

I'll maybe phone nearer the time.
#9
Have you all missed the sentence in the T's & C's "A copy of your renewal invitation or notice from your previous insurer will be required"
#10
It says that if you want to claim the free year. I didn't have to do that coz they managed to give me cheaper insurance by me typing £500 instead of how much i was originally quoted by my current company
#11
petedburns - they may be occasions where they genuinely are unable to beat your renewal quote - and thats the jackpot! for example a few months ago (too bad i may not be able to participate in this deal!) esure my insurance provider came up with a renewal for me that was a couple of pounds over the best quote i could find on the net - armed with all the tools the net offers - confused.com, gocompare,moneysupermarket etc etc - so maybe , just maybe, Alliance and Licester would not have been able to beat esures offer and even if they did like say by £10 that would have been the cheapest like for like quote i could find. so if they couldn't they would then have to pay my premium! but knowing car insurers Alliance and Licester would probably say they wont insure me!!
i hope that makes sense!
#12
Interesting I filled out the form and put the renewal quate in as £195 it came up saying there was insufficient information to provide a quote and to contact them. I then left the same information but changed the renewal quote to £210. They then gave a quote of £205.

So basically if they can beat the quote they will and if they cannot they will ask you to phone them. I think there are two chances of getting a tears free insurance, Bob Hope and No hope!
#13
Surely they would beat your quote by £1 rather than give you a years free insurance. If you think about it, why would they say 'sorry, we can't beat that quote so have a year for free' when they could simply quote you £1 cheaper. Sure, they may still be out of pocket but not anywhere near as much if they didn't beat the quote. That's probably why they have never had to give anyone a free year. Clever idea though.
#14
Dunno if this helps anyone, but my teenage son started driving last summer and as expected quotes were ridiculously high. I had 2 policies on 2 separate cars (mine and wife's) with full 9 years NCD on each and by removing the NCD from wifes old car and using it on policy with son as named driver I saved loads more than the slight increase in wife's premium. Quinn direct came up by far the cheapest for my son by the way.
#15
HUX1
According to Martin Lewis its a "CON" They have never given anyone a years free insurance. If they cant beat your quote they just say they cant insure you on that vehicle!!!! (clever advertising)


I found this. They were happy to quote me based on their assumptions however as soon as I changed the assumptions to reflect my circumstances they were unable to quote. When I removed my renewal price though they were happy to provide a price.

Definitely a con...
#16
from what my relatives have said, based on their experiences its a con
#17
Renewals are never good value!!! I always cancel after the year and then start a new policy, even if its with the same company, because they give new customers more discount, plus you can get cashback!!

M
#18
My renewal is in about 6 weeks. Does it say anything about convictions?
#19
tried getting an online quote gave them all the details they could not even other a quote so its a rip off:w00t:
#20
Casey2901;1497217
Can't get them to give me a quote online.

I keep getting a message saying to phone instead.

They won't get near my quote from CIS of £176 (+ £60 cashback from quidco), and I doubt if they'll even come close to my renewal from Halifax, but I'm 5 weeks away from renewal.

I'll maybe phone nearer the time.


hi casey can you tell me if you quidco tracked for CIS as they dont have any feedback and i did my insurance through quidco last year with budget and it never tracked and got rejected after enquiry , only the quote from CIS for me is rather hansome this year.;-)
#21
katya1971
hi casey can you tell me if you quidco tracked for CIS as they dont have any feedback and i did my insurance through quidco last year with budget and it never tracked and got rejected after enquiry , only the quote from CIS for me is rather hansome this year.;-)


Not sure about CIS but I have done two different insurances through Churchill and they tracked very quickly and paid £60 for each.

Just looking at Lloyds TSB for my next renewal....£90 Quidco!
#22
dont know if this worked for anyone else i put in my lowest quoat was £430 is said it would do it for £420 so i put in my lowest was £350 it said it would do it for £340 so i thought lets try £300 it said £289!!! Yes i tried going lower but they wouldnt! How cool
#23
Hi peeps. I filled in the form and put my renewal was 215 quid and it gave me a quote of 205 quid! My renewal price was like 600 quid though, does this mean i can take the quote and they wont ask for my renewal letter as I dont want to claim the 1 year free??
#24
im sure if they have offered you a price that they must be willing to honour it or else there would be n point in a quote, unless the term "quote! is exactly that and they may refer you to a phone number to secure the transaction where they will elevate the price? worth a shot though , can always cancel within the grace period.
#25
Dedcon;1499284
Not sure about CIS but I have done two different insurances through Churchill and they tracked very quickly and paid £60 for each.

Just looking at Lloyds TSB for my next renewal....£90 Quidco!

i have done a few quote through quidco but its worth remembering if they dont track would you still be pleased with the price? Best not to be dependant on the cashback.
#26
Renewal quotes can always be beaten, never stay with the same insurer, they are only relying on people not checking around for better quotes.
I have just saved £65 over my renewal quote.
[helper]#27
Although Quidco cashback can look very nice, there is usually a reason why they are offering so much cashback on Quidco, e.i they are £200/300 more expensive than other companies if not more! Direct Line are not on Quidco, not on price comparison websites but I have found their quotes to be much lower than anyone elses! As katya1971 said just don't rely on the Quidco - there could be a better deal out there in the first place!
#28
I renew every year with a new insurer for house and car and always manage to match or lower my premium .
I tried direct line and they are coming up expensive for me , best quote yet is still CIS, im goint to keep looking tho will do the alliance one in a mo see what it gives me .
my inbox in getting rather chocked up with quotes now!:w00t:
#29
JPS
Although Quidco cashback can look very nice, there is usually a reason why they are offering so much cashback on Quidco, e.i they are £200/300 more expensive than other companies if not more! Direct Line are not on Quidco, not on price comparison websites but I have found their quotes to be much lower than anyone elses! As katya1971 said just don't rely on the Quidco - there could be a better deal out there in the first place!


Direct Line were on Quidco until fairly recently - I have both my car and home insurance with them and got £100 cash back on each.
banned#30
OMG thats awesome

I kept lowering the price on my renewal quote, and the price kept going down... and down... and down.

Until it reached £205 fully comp. My renewal was actually around 550 including much higher excesses.

I love you, original poster :)
banned#31
Also,

When I went through to the bit where you can add your extras (breakdown, protected no claims etc), I did the following:

Removed ALL the voluntary excess. Price stayed at £204. :)
Add protected no claims (put price up to £225 ish)
Add breakdown cover (put price up to £274 ish)
removed breakdown cover...

Put the price back down to £204.

Absolutely awesome.
#32
Hate to say this but I think that they'll cotton on to this relatively soon and may well request you prove your renewal premium is genuine.
banned#33
I don't see how they could do that. Things like No claims discounts etc alter the risk, and are valid reasons to reject the policy. They've offered to sell it at that price knowing the exact risk the driver provides. The price somebody else has offered them has no bearing on that whatsoever
#34
morpheus
Renewals are never good value!!! I always cancel after the year and then start a new policy, even if its with the same company, because they give new customers more discount, plus you can get cashback!!

M


Disagree - nobody could beat my renewal quote with Lancaster at £360 (I'm 28, drive a VW Scirocco GTX). Closest I could get was around £120 higher [and yes - I did search around!]

Alliance and Leicester refuse to quote me online (whatever the renewal quote value I provide) so something's odd there.

Also - I disagree with JPS on high Quidco cashback relating to higher premiums. Quidco is an incentive for companies to advertise harder for their clients (Quidco just happens to refund most of that incentive back to us.) It's a bargaining chip with "advertisers" if you like - and some companies offer better incentives than others. It's a game of numbers and I've often switched companies (and sometimes even taken out a NEW policy with the existing insurers instead of renewing!) because the Quidco cashback provided reduced the overall cost!

Agree with Howdie - I would be dubious that this "loophole "won't be sorted anytime soon once they check the website logs. They'll most certainly request proof. Anarchist - it doesn't matter how much risk is posed; they'll argue it in black and white on the grounds of not sticking to the Terms and Conditions.

Only way round that imho is if you're asked to verify that "the information is all correct before submitting" and they neglect to show you the renewal quote numbers you quoted/typed before clicking "it's all good". Guess you could say "it was a typo and you never allowed me to confirm the facts properly" [this'll also have to be missing from the documents they send you.]



Anyways - I've asked them to call me so we'll see how far they get ;)
#35
I agree with you Yabbas, I searched around and noone beat my tesco renewal quote except for funnily enough tescos. So i just called them saying I was quoted this on your website and they happily reduced it to the online quote amount. That way I got the same deal as a new customer would. Worth a shot for people!
#36
ally0785;1501509
I agree with you Yabbas, I searched around and noone beat my tesco renewal quote except for funnily enough tescos. So i just called them saying I was quoted this on your website and they happily reduced it to the online quote amount. That way I got the same deal as a new customer would. Worth a shot for people!


I always take out new policies and never renew (including House insurance) - Apart from the extra new customer discount, it also means Quidco.

I've recently got my renewal quote from RAC, which offers me 'as an existing customer' 50% off breakdown cover. Going online, the quote is the same but I can get £70 Quidco cashback and as a 'New Customer' I get FREE breakdown cover.

I always found Direct Line to be cheapest for me. But I've now moved away as they're no longer listed on Quidco.

My other car (missus's) was renewed at Christmas and by far the cheapest was 'SwiftCover' - £45 Quidco, but beat all other quotes by £80-£100.
#37
Dedcon;1499284
Not sure about CIS but I have done two different insurances through Churchill and they tracked very quickly and paid £60 for each.

Just looking at Lloyds TSB for my next renewal....£90 Quidco!


Just got mine from Lloyds TSB. The renwal quote from elephant.co.uk for me was £400. Just got it for £270 (like for lke) with Lloyds. With the £90 cashback it worked out to £180 fully comp. :thumbsup:

Already tracked by the way!
#38
yabbas;1501428
Disagree - nobody could beat my renewal quote with Lancaster at £360 (I'm 28, drive a VW Scirocco GTX). Closest I could get was around £120 higher [and yes - I did search around!]

Alliance and Leicester refuse to quote me online (whatever the renewal quote value I provide) so something's odd there.

Also - I disagree with JPS on high Quidco cashback relating to higher premiums.

Quidco is an incentive for companies to advertise harder for their clients (Quidco just happens to refund most of that incentive back to us.) It's a bargaining chip with "advertisers" if you like - and some companies offer better incentives than others. It's a game of numbers and I've often switched companies (and sometimes even taken out a NEW policy with the existing insurers instead of renewing!) because the Quidco cashback provided reduced the overall cost!

Agree with Howdie - I would be dubious that this "loophole "won't be sorted anytime soon once they check the website logs. They'll most certainly request proof. Anarchist - it doesn't matter how much risk is posed; they'll argue it in black and white on the grounds of not sticking to the Terms and Conditions.

Only way round that imho is if you're asked to verify that "the information is all correct before submitting" and they neglect to show you the renewal quote numbers you quoted/typed before clicking "it's all good". Guess you could say "it was a typo and you never allowed me to confirm the facts properly" [this'll also have to be missing from the documents they send you.]

Anyways - I've asked them to call me so we'll see how far they get ;)


Woah. Scirocco GTX. Thats a blast from the past!
#39
Wow thanks i have just saved a packet mine was £308.70 with 4years no claims full comp with proctected no claims

now i have managed to get the same quote with no execsess to £202.94 and no claims proctected wow bug difference wow

hot hot hot rep added

nice find

this site is all about saving people money and this site has done just the topsite
#40
Do they definitely ask you for proof though ?

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