To fix or not

[Primus1]

Looking around for car insurance quotes , looking at saga ( used before) standard insurance is £352 however, I can fix this for the next three years at £425, still cheaper than the direct line quote £501, good idea to fix? or better to search around next year, the fixed price does come with more additional cover though, just wondering what others think..

[FROSTYBALLS]

Depends what the additional cover is, and whether that is attractive/beneficial for you. 

What happens if you make a claim or claims, and NCD is lost either entirely or partially. Can the insurer increase your premium in the event of a claim?

The fix costs you £73 per year (£219 in total).

[Primus1]

4 hours ago, FROSTYBALLS said:

Depends what the additional cover is, and whether that is attractive/beneficial for you. 

What happens if you make a claim or claims, and NCD is lost either entirely or partially. Can the insurer increase your premium in the event of a claim?

The fix costs you £73 per year (£219 in total).

Good point, I think it’s the price that’s fixed over three years and you are allowed 2 claims per year for your ncd to be unaffected.

[Bper]

If the fixed price policy includes protection for up to two claims without affecting your no-claims bonus, that’s a valuable feature. This means you could make up to two claims over the term of the policy and still retain your no-claims discount, which can help keep your premiums lower in the future.Given this protection, the fixed-price option seems advantageous, especially if you value stability and extra coverage. Just be sure to check any specific conditions or limitations associated with this protection.🙂

[Primus1]

I will have to check the details again, one feature is that it says it will replace my car with a brand new one of the same spec if my car is written off or stolen and not recovered providing I’m the first registered keeper, which I am..

[Cyker]

Must admit I'd jump on that - I've never had a renewal that didn't increase!!