Be very, very careful of who you insure with through comparison websites.

9 times out of 10, the company you go for, we in this case will call them company A, they then get you the insurance and do all the work for another company, company B. Company B obviously then insure you but its all done through company A. Company A gets a cut out of it and company B gets a sale.

Sometimes it even goes through 3/4 different companys. I applied once and got a decent quote with the insurance factory, who got me insurance through a company called XK service direct, which was on behalf of a company called Markerstudy. Now avoid any of those cunts with a 60 foot bargepole. Like said above they get your cheap quote, take your deposit and all is well and good. I made a couple of changes on my policy and got whacked with £75 admin fee plu regardless of car, the yearly premium jumped £100 - £150. I went from a Skoda VRS which went bang to my mums 1400 mk6 fiesta and ended up jumping from £66 a month to £139 a month - apparently the fiesta was more common and despite a 1/3 of the horsepower it was deemed a bigger risk They shafted me twice like this and on the third time I told them i wanted to cancel. All well and good they said, return my documents and include a covering note and thatl be end of it. Did this and 3 weeks later im getting threats of debt collection action saying i never returned the paperwork. Rang up and explained and they said all they can do is send another set of docs out, for me to sign and return wtf? with another covering letter - did this, sent it back, and suprise suprise they never got it. Cunts chasing me for £1400 now and threatening bailiffs and CCJ on me. Had a sarcastic email from their ' head of office ' last week with all his investigation points - half of it he missed out which i politely told him so im going through the financial services ombudsman now.

Its what this country has come to, there so busy looking after every man and his dog that everyone and anyone has to get shafted on the sly to pay the price. Im with another company at the miunte and despite 10 points, one non fault claim and 2 cancellations on insurance, 5 yr ncb im paying £55 a month so i cant grumble really.

Sometimes its better to pay more for a well known company who the person you speak and get the quote with is the company youll be insured with. Kind of funny insuring with one company and then receiving your policy docs from another.

I recently took out breakdown cover - with what i required AA wanted £13 a month, RAC £8.50, and Green flag - £6.30 all for same level of service. Green flag i have had before and majority of the time they use a breakdown firm nearby to you instead of sending their own patrol to you, end result you wait longer, get some rude wanker whos been dragged out of bed and far from happy with it who makes no effort to fix the problem and drags you home as its quicker and easier. RAC had a offer on hence being cheaper so went with them, at least i know by paying more Ill get an RAC van out should i need it and possibly a repaired car and better service.