16-10-2015, 04:28 PM
(16-10-2015, 03:42 PM)Niall Wrote: Other thing is 99% of insurance companies carry out a credit check on you when you complete an online quote. More quotes you do, more checks, the worse it looks on your record so if you leave it long enough to update your credit file and then requote, some of them will actually go up in price because of your new credit score.
Moral of story - Insurers are wankers
Credit checks that insurers do will have no effect on your credit rating at all.
Matt, ring them direct and do a fresh quote over the phone. Forget your online one.
To an insurer you're a good risk, on the island with a modified car you've owned for years. You'll get a good rate.
Online prices, in fact any prices can change in minutes - insurers work on a live sever.
Especially brokers, imagine a broker who works for say 40 insurers.. They are giving a price on behalf of another company & if that company has a rate change or even pulls from the market then they have to offer the next best price.
2-3 months is a very long time in insurance terms! Anything could have happened from claim stats in the area up to underwriting terms changing.
The most sound advice I'd give with my experience & background is just call the insurer, cut out the comparison site, just a nice fresh quote with them, declare every modification & you'll get a good rate. Remember they're a specialist who love modified cars.