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Sick of the Car Insurance Adverts? I Was - Not Now

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denby04 | 19:10 Wed 09th Dec 2009 | Film, Media & TV
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I went on the Go Compare site for house insurance renewal and was inundated with telephone calls but nothing compared to the quote I already had so I was reluctant when it came to my car insurance for this month. I then went to Confused.com and I have saved £93 This is for fully comprehensive cover with breakdown, a £200 excess (£50 less than previously) and no claims protection. (I have a Ford Focus 1.8 Sport 2007). I am pleased although you don't know what service the insurance companies provide until you have a claim. Hopefully I won't.
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You will only get what you pay for,seems a massive excess as well.
I was with More Than for house and car. Decided to look at Confused.com for house and saved a bundle. Decided to try them for car and saved £120 without even trying. No hassle. No phone calls. Just an online application and you are given a list of the best quotes. Both new policieswere roughly the same cover as before. What annoyed me most was that More Than kept telling me what a valued customer I am.
Sick of the Car Insurance Adverts? Oh yes http://bit.ly/8cGr0m
I trawled the sites and was surprised that M &S came up with best offer plus full RAC breakdown cover thrown in.
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they only save you money when you increase your excess.
as everhelpful said above really, yours does seem pretty high to me for what is a pretty standard car to repair. its all a con.
I tried four different comparison sites and none of them got anywhere near what I get from my broker so, for me, they were no good!
BTW, my previous answer was relating to car insurance (in case anyone is interested, which they're probably not!)
The excess looks fine to me. If you need to make a claim I would think £200 is neither here nor there. And if you don't claim in the first year, then you have saved nearly your entire excess anyway (well all but £14).
And for the record I saved about £100 a year on Confused.com, and no-one else can get close to the price I am paying.

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