Are They Cheaper?
Car Insurance Companies Not on Comparison Sites
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Car Insurance Companies Not on Comparison Sites – Are They Cheaper?
While drivers are able to use price comparison sites like Quotezone.co.uk to compare quotes from most of the top car insurance companies in the UK, there are one or two providers who intentionally position themselves as ‘car insurance companies not on comparison sites’.
But are these other brands cheaper than the providers you’ll find on a site like Quotezone.co.uk? Not necessarily.
While some of the car insurance providers that are not on price comparison sites have strong brands and good customer reviews, independent research has found that the growth of comparison sites has encouraged other providers to lower their premiums in order to compete for your business.
Since insurance companies that aren’t on price comparison sites aren’t competing in this way they don’t necessarily have the same incentive to lower their prices.
Of course, if you’re a fan of a particular car insurance company that does not use comparison sites you should still get a quote from them via their own website. But it would be a wise idea to run a car insurance comparison via Quotezone.co.uk in another browser tab at the very same time, because that way you’ll be able to compare that provider’s quote with those provided by insurance companies that do use comparison sites.
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Why are some car insurance companies not on comparison sites?
There are many reasons why car insurance companies might choose not to have their car insurance policies listed on price comparison sites, but the most obvious one is that it can help to keep the insurer’s costs down since they don’t have to pay commission.
Some of the car insurance companies not on comparison websites then pass this cost saving on to their policyholders, which means their policies can sometimes be as cheap as or cheaper than those you’ll find on sites like Quotezone.co.uk.
However, independent research by McKinsey has found that insurance comparison sites generally help to reduce average premiums for policyholders, since it forces the insurers that are on those sites to compete on price, which means those insurers that aren’t on comparison sites sometimes aren’t as cheap.
Is it still possible to compare quotes from car insurance companies that aren’t on price comparison sites?
Yes, while it’s a little less straightforward it is usually still possible.
Most of the car insurance providers that aren’t on comparison sites have their own online quote form on their website, which allows policyholders to get real quotes at any time. If you use that form on their site to get a car insurance quote, and at the time time run a car insurance comparison through a site like Quotezone.co.uk in a separate tab, you should then be able to compare the quote you get from the car insurer that isn’t on comparison sites with the 100 or more quotes you get from other insurers.
If I used a car insurance company that isn’t on comparison sites last year should I automatically accept their renewal quote this year?
If the car insurer that doesn’t use comparison sites gave you a very competitive quote last year then you might assume that your renewal quote will be as competitive this year. However, it’s worth bearing in mind that some insurance providers do offer policyholders an introductory rate in their first year, which means your renewal quote can sometimes be quite a bit higher.
Your existing insurer should advise you (by email or by post) of what premium they’re offering you for your renewal. Armed with that information, you should run a car insurance comparison through a site like Quotezone.co.uk, providing the same information and choosing the same renewal date. You’ll then be able to know if your renewal quote is competitive, because you’ll have over 100 other quotes to compare it against.
*51% of consumers could save £262.01 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.