Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.
In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.
Existing customers: Please don’t phone unless it’s absolutely necessary.
We need to prioritise:
- Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
- Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.
If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.
For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.
Do you want to get what your car’s worth, or do you want less hassle? If you want less hassle then you can play the part exchange game, which is exactly what it is. If you want as much money as possible up front then we suggest you sell it privately and that means you should follow our guide Preparing your car for sale.
Find out the value of your car
This is a vital first step, because you really do need to know so that you can negotiate from a position of strength. There are a couple of ways that you can do this. Firstly look at what similar cars to your own are fetching locally. You must distinguish between a selling price and trade value, which is usually up to 30% less, and what a dealer will want to pay. There are also some used car value guides you can buy in the newsagent which have dealer, trade and private values. Remember though that these are only guides and will always be subject to adjustment because of the mileage and condition.
Clean your car
No really, even if you are taking your old car to a cynical, seen-it-all-before motor trade professional, they’re likely to react better to a clean and tidy car. A few hours spent cleaning will more than pay for itself. What you must do is depersonalise the car by taking all of your rubbish out, whether that is old CD cases or sweet wrappers. A car dealer will then look at a clean and uncluttered car that will be easier to put it on his forecourt or sell to another dealer.
Part exchanging privately
Sometimes a seller, especially if they are desperate, may agree to come to some arrangement and take your car from you. However, you must be very careful. There is a chance that this person is actually a full or part time car trader pretending to be a private seller in order to dodge the legal obligations he would otherwise have. In most cases it would prove difficult to agree a valuation and if there were subsequent breakdown issues it could get very messy. Best not to do it really.
Part exchanging with a dealer
When the dealer initially asks whether your old car will be a part exchange, say that you haven’t decided yet. You are much better introducing your old car right at the end of the deal process. They won’t be happy, but they will be obliged to go through the motions of valuing it and this means that you will find out what is ‘the price to change’. Bringing it in now stops dealers subsidising the part exchange price with a discount off the new car that they should be giving to you.
Part exchanging at a car supermarket
Because they sell at low prices they will only pay a modest amount for your old car or even refuse to consider it altogether.
Minimum part exchange deals
This is a popular offer, minimum £1,000 for your old car that you know is worth 2p. The thing is it is tied into a finance deal of some sort and you must understand what you are getting into as you will be required to pay a certain percentage rate over a fixed period of years. Is that worth it for simply unloading your old car easily
Looking for good deal on car insurance? Churchill provides flexible cover to suit your needs.