Direct Line Customer.....How to save money - HotUKDeals
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Direct Line Customer.....How to save money

marshallka Avatar
8y, 7m agoPosted 8 years, 7 months ago
We have always had our home buildings/contents insurance and car insurance with Direct Line and i have just done a quote online for the buildings/contents as we originally took our insurance out online two years ago. This quote was £150 a year cheaper so i called them up and they said with having the car insurance with themselves there is no cancellation fee and that i could accept the one online and end the previous policy. Of course i have done this straight away. I have also got my quote for the car insurance too and that is also £150 cheaper. A quick £300 instead of accepting the automatic renewal with them.
marshallka Avatar
8y, 7m agoPosted 8 years, 7 months ago
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#1
spooky my father in law yesterday was only saying the same thing happend to him, direct line quoted him some amount for the renewal of a policy he went on line and it was £163 cheaper
#2
edited
#3
marshallka;1919458
could mods please put this in deals section if possible. thanks,:)

It wont be placed in the deals section - its not a deal. Its a tip about insurance renewals

In fact, others may even think of it as a negative. You have only done a quote with Direct Line. Another company could have been £200 cheaper, but you didnt check.
banned#4
It's not a deal, and certainly not for all.

Had this before with direct line, and other insurance companies. Promotions seem to be on offer for 'new' customers, whilst existing customers pick up the tab via a price increase at renewal time.

I inform them that I do not wish to renew and then take out a new policy, sometimes with the existing company, starting on the end date of my current policy.

Did it again this year, splitting my buildings and contents insurance with the same company. After quidco credits, the insurance co. ended up paying me £35 to take their contents cover and a miserly £19 for buildings cover. :)

This years car insurance, fully comp, £0 excess, no claims for me ended in a net premium of £27, whilst my partners BMW came in at a net cost of £130 for the year. Unfortunately a lorry skelped into her this week and wrote the thing off completely, offered nearly 10K settlement figure for such a small premium wasn't too bad.
#5
Edited now. Thanks for your input.:oops:

We have always been happy with driect line and their customer services via claims. Where did you get your insurance from so cheap. I know of the quidco deals but even after quotes and quidco (if they pay as a lot of people did not get theres) i found them reasonable and could not get anything to match.
#6
My car renewal was £540 but when I created a new policy online it was down to £380? Looks more than a 10% online discount!
#7
Same happened with us on Elephant car insurance - our online quote was significantly cheaper than the renewal price
banned#8
marshallka
Edited now. Thanks for your input.:oops:

We have always been happy with driect line and their customer services via claims. Where did you get your insurance from so cheap. I know of the quidco deals but even after quotes and quidco (if they pay as a lot of people did not get theres) i found them reasonable and could not get anything to match.


Here, have a look at this, pasted from quidco account.

Date Merchant Amount Earnings Status Payment Date
14 Aug 2007 08:58:29 Lucozade Sport Campaign 11.73 7.14 paid 01 Dec 2007
18 Aug 2007 11:58:48 Boots.com 39.82 1.39 paid 31 Dec 2007
29 Aug 2007 14:48:38 Prudential Car Insurance 157.50 130.00 paid 01 Nov 2007
31 Aug 2007 13:52:38 Prudential Car Insurance 249.90 130.00 paid 01 Nov 2007
31 Aug 2007 14:10:43 Lloyds TSB Home Insurance 84.00 120.00 paid 01 Dec 2007
31 Aug 2007 14:18:20 Lloyds TSB Home Insurance 101.37 120.00 paid 01 Dec 2007
banned#9
Customer service from the Pru has been great. 1st time claim with them and the service was great. Car picked up within 45 mins of accident, towed away to nearest compound 30 miles away.

The following day I was given an initial estimate of damage, in the region of 8k, probably going to be uneconimical to repair but would call back next day. Sure, on Wednesday they confirmed it's a write off, and offered a settlement figure.

Kept up to date by the pru all along, been great in the circumstances. A uk call centre helped, would avoid foreign ones like the plague. My mate used Norwich Union and was passed through to India. Unfortunately the customer experience was terrible, just when you need it to be at it's best.
#10
aScottishBloke
Here, have a look at this, pasted from quidco account.

Date Merchant Amount Earnings Status Payment Date
14 Aug 2007 08:58:29 Lucozade Sport Campaign 11.73 7.14 paid 01 Dec 2007
18 Aug 2007 11:58:48 Boots.com 39.82 1.39 paid 31 Dec 2007
29 Aug 2007 14:48:38 Prudential Car Insurance 157.50 130.00 paid 01 Nov 2007
31 Aug 2007 13:52:38 Prudential Car Insurance 249.90 130.00 paid 01 Nov 2007
31 Aug 2007 14:10:43 Lloyds TSB Home Insurance 84.00 120.00 paid 01 Dec 2007
31 Aug 2007 14:18:20 Lloyds TSB Home Insurance 101.37 120.00 paid 01 Dec 2007


Looked for pru car insurance on quidco and its only £75 now

Also how did you get two lots of Lloyds TSB home insurance of £120 each.
banned#11
Quidco rates go up and down, so worth keeping an eye open for this. You can usually book your insurance cover to start in a future date, although the length will depend on each company.

The 2 insurances were as stated relating to the same house. One for Contents, the other for Building. I could have saved a few quid by combining them, but would have lost out 1 quidco payment.
#12
aScottishBloke
Here, have a look at this, pasted from quidco account.

Date Merchant Amount Earnings Status Payment Date
14 Aug 2007 08:58:29 Lucozade Sport Campaign 11.73 7.14 paid 01 Dec 2007
18 Aug 2007 11:58:48 Boots.com 39.82 1.39 paid 31 Dec 2007
29 Aug 2007 14:48:38 Prudential Car Insurance 157.50 130.00 paid 01 Nov 2007
31 Aug 2007 13:52:38 Prudential Car Insurance 249.90 130.00 paid 01 Nov 2007
31 Aug 2007 14:10:43 Lloyds TSB Home Insurance 84.00 120.00 paid 01 Dec 2007
31 Aug 2007 14:18:20 Lloyds TSB Home Insurance 101.37 120.00 paid 01 Dec 2007


Just done my home contents and buidlings quote with Lloyds TSB and thank god its more money even with the quidco but worth a try. Also done Pru car insurance and that looks slightly cheaper. I have also looked at churchill and adding all the extras it makes it slightly cheaper after quidco.
#13
aScottishBloke
Quidco rates go up and down, so worth keeping an eye open for this. You can usually book your insurance cover to start in a future date, although the length will depend on each company.

The 2 insurances were as stated relating to the same house. One for Contents, the other for Building. I could have saved a few quid by combining them, but would have lost out 1 quidco payment.



Yeah, they have changed it now.:)
banned#14
I usually use a couple of comparison sites to get an idea of the lowest cost insurance, using a ficticious address in the same area in order to obtain a real quote. Then I'll go the company website (via quidco) - after clearing any cookies, to begin the transaction. Quidco can be lost for many reasons, including competing cookies, quote saved previously, etc.
#15
We were with Direct Line but the renewal was huge, checked on line way cheaper, rang them up and they said online always is cheaper...weird, which got me thinking, so did the price comparisons, then cleared cookies went to morethan through quidco, not only were the cheaper for better cover I also got £75 cashback...absolute ruddy bargain! oh, and they were a £1 cheaper through quidco than through moneysupermarket.

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