Disadvantages You can confuse yourself... see below...
I'm a bird, I drive a Lotus and I use it for work. All in all a bit of a recipe for disaster if you're looking for cheap insurance. So when THAT time of year came around and my quote was £1,000 or thereabouts I decided that before signing on the line I'd check out the web. I found Confused.com via Google.USING THE SITE
When entering the information, I found the screens pretty straightforward, if a little slow. My car came up without any problems as did my address. I work for myself. I therefore had problems with the job page, it didn't really like the concept that I was self employed and kept asking for an employer. My husband, the second driver, is also self employed, which led to a repeat performance and certain amount of cursing.I always experiment with job titles when I do these forms because often by calling your job a different name you end up in a category which is considered more reliable. I don't mean you lie, but here's an example. One of my friends is a mechanic. The garage is his family business, he is the manager and he employs five staff. He discovered that by calling himself a Manager instead of a Mechanic he could reduce his premium by about 10%. His insurer suggested it and explained that since he is the manager it's not a lie either, it just never occurred to him that it would make any difference. I had encountered the same thing when I worked for an employer since I could put Marketing Manager or Manager, Transport, both of which were true. As far as I can remember Manager, Transport, was a tiny bit cheaper.
As you can imagine, now I'm a sole trader I look at the options even more carefully. Since it's just me, I can be the manager, an executive or the director of my enterprise if I want, so I tend to ask for quotes for all of those things and then I call myself whatever title gives me the cheapest premiums. They definitely need to update a few of the job descriptions on confused.com or make it a bit more flexible but, having said that, the job title doesn't seem to make too much difference to the premium.I also experimented with my expected business miles - I'm a start up so there could be a significant variation in the mileage I do depending whether or not my business takes off, so I needed quotes which would give me costs for a bad year, a good year and a blummin' good year.
The result, I ended up with about 5 identical profiles, each with a slightly different price. In order to see which one was which I had go to through the information screens all over again or I wouldn't be sure what I'd said to get the cheapest quote..... In the end I had to bin them all and start again... settling for a good year on the business mileage front.RESULTS
I got my e-mailed quotes within about 10 minutes and discovered that for £675 or therabouts, Diamond Insurance were about £300 cheaper than my current insurer and £50 cheaper than the nearest competing quote. Interstingly enough, Diamond, like Elephant, is a trading name of Admiral.It would appear that unlike most large multi-nationals Admiral's policy is to allow itself flexibility by splitting itself up into a number of smaller, specialist companies rather than going for the Direct Line style corporate monolith approach.
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