Has your insurance gone up?

[Hackney]

Got the renewal reminder from confused with three quotes of £365, £375 and £400 (Darwin Gold, Darwin, Tesco)
Haven't had the renewal from Churchill at that point.
Clicked through, checked all the details and everything was OK except the value of the car. It was an optimistic £7k+ whereas the last webuyanycar valuation I had was just over £5k. I settled on £6k and then resubmitted. Revised quote came back, same companies in the same order as......£385, £395 and £400.

How does that work?

Called Churchill and my renewal was going to be £570 so I went with Darwin, who are part of the same Direct Line Group as Churchill.
The whole insurance market is just bizarre.

[sixor8]

Nope, gone down for me, which I hadn't expected. I used the meerkat like I usually do and it would have been 10% (about £22) more than last year's cover. I used confused.com and got a quote valid for today only (usually 28 days) that was £5 less than last year. On a SLK350. OK, so it's People's Choice (Hastings under another name) but it includes windscreen cover (their essentials policy doesn't ) and personal accident cover. The excess is £295, Privilege wanted £550 XS!

I have more than one car, have no need of cover for commuting, and more than one amount of NCD running which all helped presumably. Also, it doesn't start for another 27 days. What is daft though that it was cheaper than the quote I had for my 2016 Fiat Panda 1.2 last month.

[TwigtheWonderkid]

Hackney said:

Got the renewal reminder from confused with three quotes of £365, £375 and £400 (Darwin Gold, Darwin, Tesco)
Haven't had the renewal from Churchill at that point.
Clicked through, checked all the details and everything was OK except the value of the car. It was an optimistic £7k+ whereas the last webuyanycar valuation I had was just over £5k. I settled on £6k and then resubmitted. Revised quote came back, same companies in the same order as......£385, £395 and £400.

How does that work?

There stats show that people with £6K cars cost them more in claims and / or admin that people with £7K cars. For example, perhaps there's a correlation between people with cheaper cars and customers who default on their monthly payments. Whatever the reason, there is a reason.

[Xenoous]

Just had my renewal come through. An extra tenner over last year. I'll take that.

[sutts]

kiethton said:

…a new baby and a non-fault accident (wife rear-ended) last year.

[alscar]

curvature said:

Chris Knott and Academy.

Maybe give A Plan a call or Nowell & Richards - they won’t necessarily be the cheapest though.
Adrian Flux seem to attract varied comments but also maybe worth trying.

[lost in espace]

Telegraph:

Motorists in Britain should brace for another year of steep insurance rises as providers deal with rising costs, industry figures have warned.

Admiral Group will continue increasing motor insurance prices and expects the rest of the market to follow suit, chief executive Cristina Nestares said in an August earnings call.

The view is reflected in a report by EY predicting a 16pc rise in prices in 2023, followed by a 11pc jump in 2024.

[LuS1fer]

Extra £53 on an Insignia SRi which was a bargain £160 last year. 35% increase if you like an alarmist headline.

Also just insured a 2011 Fiat Panda for my ( middle-aged) partner who is returning to driving after a long hiatus and that was £237 with zero NCD (me as owner, her as registered keeper, her as main driver).

Both are limited mileage (4000) before you all get too excited. My supercharged Mustang on 3000 miles was also £250. Cumulative total for 3 cars therefore £740.

[alscar]

LuS1fer said:

Extra £53 on an Insignia SRi which was a bargain £160 last year. 35% increase if you like an alarmist headline.

Also just insured a 2011 Fiat Panda for my ( middle-aged) partner who is returning to driving after a long hiatus and that was £237 with zero NCD (me as owner, her as registered keeper, her as main driver).

Both are limited mileage (4000) before you all get too excited. My supercharged Mustang on 3000 miles was also £250. Cumulative total for 3 cars therefore £740.

Am loathe to use the word bargain when it comes to Insurance but your price for all 3 cars does indeed still seem a bargain.

[LuS1fer]

LuS1fer said:

Extra £53 on an Insignia SRi which was a bargain £160 last year. 35% increase if you like an alarmist headline.

Also just insured a 2011 Fiat Panda for my ( middle-aged) partner who is returning to driving after a long hiatus and that was £237 with zero NCD (me as owner, her as registered keeper, her as main driver).

Both are limited mileage (4000) before you all get too excited. My supercharged Mustang on 3000 miles was also £250. Cumulative total for 3 cars therefore £740.

Just to add that I put my Insignia details through Go Compare and the best was £207, still £47 more than last year.

Though it looks like only a £6 difference, Flow do offer legal expenses as part of the package.

But wait.... their renewal has inflated the excess to £750 (200 more if not an approved repairer) where the lower-priced Go Compare policy is £450 (with a voluntary additional £250 excess). Flow offer no option to reduce that excess.

Onto MoneySupermarket then and identical results but "weird or what?"
Voluntary £200 excess - £215
Voluntary £500 or £700 and it's up to £208
Voluntary £250 and it's £207 again! Must be a cheap default setting.

Interestingly, Flow used to come up regularly, on comparator websites, last year but no longer appear. Now it's "Our best price, no haggling" strap line. I put the Panda through their website and they were uncompetitive.

So I think the £207 plus the free £250 excess cover wins. I won't "Go with the Flow" after all

EDITED TO ADD: Put it through again and it came up cheaper - Go Compare/LVE/£199 with £450 excess and 4000 miles limit.

Edited by LuS1fer on Tuesday 12th September 17:30

[curvature]

alscar said:

Maybe give A Plan a call or Nowell & Richards - they won’t necessarily be the cheapest though.
Adrian Flux seem to attract varied comments but also maybe worth trying.

Thanks for that, N&R are seeing what they can do for me. Their office is only a mile from mine so could be a useful contact for other stuff too.

[Seantr6]

Renewal from Tesco £541 lasy year £1224 this year 126% no change except another years no claims now at 14 years. just a plain old Rav 4. No point in calling them, I get the message they dont want to insure me any more.

[Ninja59]

Seantr6 said:

Renewal from Tesco £541 lasy year £1224 this year 126% no change except another years no claims now at 14 years. just a plain old Rav 4. No point in calling them, I get the message they dont want to insure me any more.

Depending on year RAV4s are massive targets for theft using canbus attacks

[ToastMan76]

Seantr6 said:

Renewal from Tesco £541 lasy year £1224 this year 126% no change except another years no claims now at 14 years. just a plain old Rav 4. No point in calling them, I get the message they dont want to insure me any more.

We have just had incredibly similar from Admiral on our ‘22 RAV4 (£532 last year, now £1416!!!). Honestly its baffling. Next cheapest is AA at £600. Interestingly - when we bought the car AA was the old car insurer and quoted £1700 for the RAV4. Makes absolutely 0 sense.

[V 02]

ToastMan76 said:

We have just had incredibly similar from Admiral on our ‘22 RAV4 (£532 last year, now £1416!!!). Honestly its baffling. Next cheapest is AA at £600. Interestingly - when we bought the car AA was the old car insurer and quoted £1700 for the RAV4. Makes absolutely 0 sense.

As a young driver (20) on my BMW 330E I thought it was just me that the insurance would increase. When I was 19, I was paying £1,500 to insure it with Admiral, then that went up to £6000 quoted. So I had to reinsure it and the cheapest I could do it for was £3,600 with First Central. Hopefully come renewal time it will go down when I turn 21 but this is ridiculous now.

Just lucky I never bought that Golf R - from £1750 to £12,000 was the quote

[Sheepshanks]

Hackney said:

Got the renewal reminder from confused with three quotes of £365, £375 and £400 (Darwin Gold, Darwin, Tesco)
Haven't had the renewal from Churchill at that point.
Clicked through, checked all the details and everything was OK except the value of the car. It was an optimistic £7k+ whereas the last webuyanycar valuation I had was just over £5k. I settled on £6k and then resubmitted. Revised quote came back, same companies in the same order as......£385, £395 and £400.

How does that work?

If you changed the value back to £7K did the prices go back down?

[ajap1979]

Had my renewal on the Polestar through this morning. Lots of time spent on comparison sites and the best I can do is an 85% increase

[98elise]

Direct Line renewal has gone from £250 to £350 (Focus CC)

Comparison sites are doing back as cheap as £175, so time to switch.

[smashy]

Geez I am bricking it, my 18 plate 335d with 14 yrs ncb and no points was £1000 last year.

It,s all about the postcode really isn't it.

[mikef]

I imagine that AA Breakdown isn't actually insurance, it's a service subscription - still. Got our family renewal notice through, up from £450 to $600 a year (!). So cancelled it, then went on the AA site and got family cover for £150 (with a 50% discount for new customers, which is now banned for real insurance)