I hate insurance companies too. I hate every damned thing about them.
Some free advice:
- Go for yearly premiums if you can afford them, as they're less expensive overall. You'll end up paying about 25% more if you go for the monthly instalment option.
- Max out the voluntary excess. In most cases, the default excess setting is ridiculously low, and increasing it will result in a smaller insurance premium overall.
- Most of them also have optional features like legal cover and free courtesy cars as a default too. Turning off all the optional stuff will likely cause it to get cheaper.
- The vast majority of insurance companies have a third-party only policy type which is a lot cheaper than comprehensive / TPFT cover. Since you're never going to voluntarily use these services, there's little point in shelling out hundreds of pounds extra for them.
- Work the phones / individual websites. Sites like MoneySupermarket and GoCompare may have 100+ insurance sites on them, but if you actually look at the results that they generate, you'll often see a lot of those companies failed to return a result when you submitted your details. Do not give up on those which didn't work: phone them up / go to their websites and do it manually. You'll be surprised how often one of the failed requests actually turns out to be cheaper than any of the ones you got on-screen. Only buy a policy when you're certain there are no other leads to pursue. It may be a pain in the ass, but so's finding out you spent considerably more than you had to at a later date.