ash-ov-boro
Member
Registered: 22nd Oct 09
Location: middlesbrough,cleveland
User status: Offline
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currently paying 1200 odd on my corsa b sport
but im after a 2004-2005 corsa sri 1.4 had a quote on the sri for 1500 odd
my question is what are elephant like for swapping cars over should i be prep'd to be raped how much any idea's
going to call them in a hour or so just want to see what you giuys have to say before i go get ear ache on the phone
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adiohead
Member
Registered: 28th Sep 01
User status: Offline
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When I swapped from my amazing Mk5 Fiesta to my average Leon Cupra R they didn't increase the price until my next premium update. This was many years ago.
Best bet is to phone them and ask.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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admiral charged me £20-25 ish to change from a vtr to my sri, was only the admin fee. it was last year and i think id paid about £700 to start the policy on the saxo
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ash-ov-boro
Member
Registered: 22nd Oct 09
Location: middlesbrough,cleveland
User status: Offline
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so say i only renewed 2 month ago will i lose them 2 months and start again with new car or does it carry on onto new car
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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carries on but you'll pay more obviously for the new car.
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ash-ov-boro
Member
Registered: 22nd Oct 09
Location: middlesbrough,cleveland
User status: Offline
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im expecting to pay more but not over the odds got the quote down on the sri to cheaper than im paying now phoning them in a bit so will let use all know  expecting to have my pants pulled down
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Ive changed vehicles on my policy 2 times in about 6 weeks, and i never got charged any admin fees.With Elephant.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Elephant/Admiral/Bell normally always charge an admin fee, I've been charged for almost every single change I've made with them.
The only way I can see them not charging a fee is if the car you changed to was less to insure, so they have really charged you, just not given a refund.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Unless they maybe spread it across the payments.
The cars have ranged from group 10e to 14 (old groups) and my insurance hasn't went up.Payments have all stayed the same.
I pay monthly, so not much chance of a refund.
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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I swapped from a Zetec S to my MPS and the difference I had to pay was a bit higher than normal I think but I was quite a bit into my policy so they had me by the nuts as I wanted to keep building that years NCB as it was my 1st one
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ash-ov-boro
Member
Registered: 22nd Oct 09
Location: middlesbrough,cleveland
User status: Offline
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well phoned up and they want £600 more
im currently paying £1293.45 on my b
and i had a quote on a sri for £1257.61
so how do they work out 600 more wouldnt it be cheaper to cancel policy and start new one with new car but thats a fuckabout as im 3 months through my current insurance
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Graham88
Member
Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
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Ask them how they came to that price then and quote the reference number of those quotes you've done. Haggle!
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ash-ov-boro
Member
Registered: 22nd Oct 09
Location: middlesbrough,cleveland
User status: Offline
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going to mate but at the time i was fuming with how long it took to get through and just wanted to get off the phone
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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cancel and restart the policy if youre only 3 months in. if you tell them yorue cancelling due to getting a quote of £1257 they may try and match it if you dont tell them you actually got the quote from them.
if you do cancel you may get some money back anyway due to your deposit probably not spreading out over the rest of the period yet
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Liam-Wilko
Member
Registered: 6th Mar 08
Location: Sunderland, Tyne and Wear
User status: Offline
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they were canny with me when i change my car and im currently with them
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Liam-Wilko
Member
Registered: 6th Mar 08
Location: Sunderland, Tyne and Wear
User status: Offline
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the way insurance works is around risk for example if you naber crashes into a wall in your area that post code becomes higher risk cos of that single driver if u want more advice on insurance u2u me cos i use to work for insurance and it hasnt changed much and still get the info as i know people that still work there
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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quote:
Originally posted by ash-ov-boro
well phoned up and they want £600 more
im currently paying £1293.45 on my b
and i had a quote on a sri for £1257.61
so how do they work out 600 more wouldnt it be cheaper to cancel policy and start new one with new car but thats a fuckabout as im 3 months through my current insurance
I take it it was a different company who quoted you the cheaper price??
What i would do is start a new account with who ever you use to get your quotes from, and run a quote for the new car with the same details (different name and maybe your next door neighbours adresse).
Then see what quotes you get then.
When doing online quotes, your current insurer will never be in the list.
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ash-ov-boro
Member
Registered: 22nd Oct 09
Location: middlesbrough,cleveland
User status: Offline
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no the quotes where all with elephant corsa_sport21
phoned them up again to say there must be some mistake as ive been quoted cheaper than my current policy im on now and she said no... no mistake been made its 600 to swap cars over what a load of bulls*it
going to see how much i would get back if i cancel my policy
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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did you try telling them they themselves had already quoted you less? are you sure theres nothing different between the details they have fo you and the details you put in for the second quote?
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ash-ov-boro
Member
Registered: 22nd Oct 09
Location: middlesbrough,cleveland
User status: Offline
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Yer there was 1 thing different it's down in the garage on current policy
And on the Sri quote it's down as on the street road which is cheaper anyways don't know why though yer I told them and gave them the reference number and they still saying 600 don't know how they figure it out tried haggling them down but still 600
Might aswell wait until I get my 2 yr no claims bonus and get the 1.8 Sri rather than get the 1.4
[Edited on 12-08-2011 by ash-ov-boro]
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Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
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Changed my car with Elephant about 15 times in the last few years and never once been charged an admin fee
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John
Member
Registered: 30th Jun 03
User status: Offline
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So you've never been charged a penny for changing?
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Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
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Nope, only if the premiums gone up (Vectra SRi 2.2 to Clio 172) it went up £80 and was spread out over the remaing months, got a 1.8 Mondeo after that and the monthly payment went down, not once paid an admin charge.
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John
Member
Registered: 30th Jun 03
User status: Offline
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If the premium goes up you don't normally get charged, if it goes down they'll just take the charge out of the amount they reduce it.
It's rare for them to genuinely not charge.
Other companies don't have an admin charge at all.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Ive been with umpteen companies over the years, and everytime i have been charged, it clearly states it when the new documents come through.Regardless if the premium has went up or down.It has always been a seperate charge.
And the admin fees have ranged between £25-£40.
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