The old threads are locked, so here goes
Having been with Direct Line for many many years, I missed the fact that my insurance expired at 23.59 on 26th Dec when they had for as long as I can remember kept it in force until around midday on the date of renewal which is today the 27th.
I’d planned to phone them on Friday/Saturday to sort it out but got bogged down with various things and completely forgot. So of course due to Christmas and Boxing day there are no telephone staff now until later today.
No changes on my side but the premium has gone up around 25% to almost £500, so I wanted to talk to someone to see if they could ‘do anything’ to reduce it which they have done several times in recent years (I never used to ask and now wonder why).
I also noticed that the compulsory excess has been raised for claims on renewal.
The renewal letter seemed to include lots of information I’ve not seen or can’t recall seeing in recent years - one was an email address - I always tend to phone them to renew and the email address they have is ancient and defunct. So, typically I could not log in to renew before midnight - no idea of the password assuming I ever had one and of course a password reset via email link would not work.
Bizarrely I then noticed they had Mrs AC’s first name spelt incorrectly, something I find it hard to believe I’ve not spotted as it’s presumably been wrong for several years - can only assume that in skimming the policy details at renewal the brain saw what it thought was correct.
So, I’ll have to try to call them tomorrow at 9am to see if they can match or better the now lapsed renewal quote, but in desperation earlier and forgetting they can’t offer cheaper premiums to new customers I tried getting a new online quote using a different email address - typically that is probably well over £100 more expensive again.
I’m always reluctant to give out loads of personal info to price comparison sites, but if when I phone tomorrow the premium is unacceptably high I may need to look around.
What have your experiences been like this year?
Not sure if the underwriter or owner of Direct Line has changed but I did see an article saying their profits were better than expected but still significantly down on the previous year, so premiums would have to rise.