Has your insurance gone up?
Discussion
I’ve just been trying to get mine down.
£1250 renewal, last year £750 with Churchill
Managed to get a quote for £775 from Aviva so it looks like I’ll be going with that one.
No points, accidents or anything in the last year but changed job so maybe that’s not helped. Think I’ve been lucky when I read about other peoples increases.
Excess is a bit lower on this policy so I suppose it’s not too bad!
£1250 renewal, last year £750 with Churchill
Managed to get a quote for £775 from Aviva so it looks like I’ll be going with that one.
No points, accidents or anything in the last year but changed job so maybe that’s not helped. Think I’ve been lucky when I read about other peoples increases.
Excess is a bit lower on this policy so I suppose it’s not too bad!
juice said:
Wheels, Carbon splitter, X-Pipe, K&N filters, Carbon Dash. Nothing extreme
That's too many and possibly too specific Plenty of insurers will cover non standard exhaust and non standard air filter.
The rest sound like options which a lot of people wouldn't declare, or possibly even know about. Since you have already quoted with them declared you have lost the ability to say I had no idea they weren't original.
NAAHD said:
I’ve just been trying to get mine down.
£1250 renewal, last year £750 with Churchill
Managed to get a quote for £775 from Aviva so it looks like I’ll be going with that one.
No points, accidents or anything in the last year but changed job so maybe that’s not helped. Think I’ve been lucky when I read about other peoples increases.
Excess is a bit lower on this policy so I suppose it’s not too bad!
It’s gone up £5, that’s below inflation.£1250 renewal, last year £750 with Churchill
Managed to get a quote for £775 from Aviva so it looks like I’ll be going with that one.
No points, accidents or anything in the last year but changed job so maybe that’s not helped. Think I’ve been lucky when I read about other peoples increases.
Excess is a bit lower on this policy so I suppose it’s not too bad!
Renewals are always inflated to catch the lazy with auto renewal. It’s for your own good, honest.
TwigtheWonderkid said:
In which case, can you explain why, from about 2006 to 2018, insurance prices in the UK just kept falling? The average policy price for 2018 was way lower than 2006.
Also, how come, even now, in this period of spiralling insurance costs, some people (not many, I accept) are getting renewals in lower than last year?
We're not in 2018 and that's a 12 year gap. Not really comparing apples with apples.. People get older and accumulate NCB that lowers price...but there has a massive hike in prices in the last couple of years. This is the first year where all my insurance renewals have been more expensive than last years...Also, how come, even now, in this period of spiralling insurance costs, some people (not many, I accept) are getting renewals in lower than last year?
supacool1 said:
We're not in 2018 and that's a 12 year gap. Not really comparing apples with apples.. People get older and accumulate NCB that lowers price...but there has a massive hike in prices in the last couple of years. This is the first year where all my insurance renewals have been more expensive than last years...
Massive hike for reasons that are constantly explained on here and lots of other places. Some people end up paying less than last year , some the same and some ( I would suggest the vast majority ) more.
Some seem to pay a lot and some still very little relatively speaking.
Insurance is not a con though.
supacool1 said:
We're not in 2018 and that's a 12 year gap. Not really comparing apples with apples.. People get older and accumulate NCB that lowers price...but there has a massive hike in prices in the last couple of years. This is the first year where all my insurance renewals have been more expensive than last years...
Why do insurance companies have this NCD of it’s all a big scam? Couldn’t they just get rid of it and make even more profit? supacool1 said:
TwigtheWonderkid said:
In which case, can you explain why, from about 2006 to 2018, insurance prices in the UK just kept falling? The average policy price for 2018 was way lower than 2006.
Also, how come, even now, in this period of spiralling insurance costs, some people (not many, I accept) are getting renewals in lower than last year?
We're not in 2018 and that's a 12 year gap. Not really comparing apples with apples.. People get older and accumulate NCB that lowers price...but there has a massive hike in prices in the last couple of years. This is the first year where all my insurance renewals have been more expensive than last years...Also, how come, even now, in this period of spiralling insurance costs, some people (not many, I accept) are getting renewals in lower than last year?
So if, as claimed, every year they just invite at a premium way above last year as it's a con, how come, for those 12 years, that didn't happen. Insurance got cheaper and cheaper.
Male, 37y/o, 14 years NBC (mirrored) with 5 years NCB on this actual policy.
MX5 Turbo (3k miles, £250 excess)
Previous: £378
Renewal: £399
Purchased: £317 (2k miles, £500 excess)
Still seems a lot but it's heavily modified so the pool of potential insurers is quite a bit smaller.
MX5 Turbo (3k miles, £250 excess)
Previous: £378
Renewal: £399
Purchased: £317 (2k miles, £500 excess)
Still seems a lot but it's heavily modified so the pool of potential insurers is quite a bit smaller.
Edited by pti on Thursday 9th May 10:37
TwigtheWonderkid said:
supacool1 said:
Insurance is a con. They just randomly pick an arbitrary number which is much higher than the last renewal.
Pablo16v said:
My Audi A6 renewal just came through. Down from £289 to £274.
What has Pablo16v done to be exempt from this con? 
It may not be a huge amount but a win's a win.
Just been on the phone to sort out insurance on my daily and my weekend drive, renewal for my Saleen came in with an increase of £37 on last year (A Flux) added the SP30 I have just acquired and it made no difference to the price so renewed at £335, got them to quote on my daily Astravan and although they were only £6 more expensive than the cheapest Meerkat quote I went with them, their excess is £250 cheaper and windscreen excess is £15 cheaper
Ran a quote on an F32 BMW 440i in March 2023. £508. Didn't buy the car but kep running quotes to keep abreast of the market. Saw a high of £608 later in the year. Quotes currently coming in at £545. I must be in a sweet spot where I live as I've run quotes on a few other addresses nearby (houses I'm looking at to potentially buy) and they range from £900 to well over £1,000!
Old Merc said:
Been with LV= for years, daily’s, home and (classic policies when they had them ). Just got the renewal for my Audi A3 S line & my wife’s trusty old Peugeot. Up 45% !! Last year £451 now £652, did a few online comparison site quotes, every one was over £1000 ?? So it looks as if we will continue with LV=.
Just an update, We are staying with LV=. Phoned them to haggle, spoke to a very nice guy straight away.He got the policy down to £617, nice one.
As I said, all the others were quoting well over £1000.
Kia Stinger, basic policy without legal cover etc last year 517 with Hastings through shopping around, silly renewal quote of 1161 offered from them, so I managed to get Tesco through Meerkats for 377 for like for like cover. Just shows how daft you’d be to accept renewal prices in most cases.
Going direct to Tesco was 450-odd.
Every little helps
Going direct to Tesco was 450-odd.
Every little helps
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