How Can I Make Insurance Cheaper?
Discussion
andburg said:
We had this..moved to a better area, premium went up, when asked why i was told the average value of a car in your are has increased making any collision likely to cost more!
less likely to have car stolen but more likely to hit a 5 seroies than an escort
Doesn't usually work that way - more often a higher risk postcode will be the sort with higher car theft rates and more of the population driving on cider and weed.less likely to have car stolen but more likely to hit a 5 seroies than an escort
andburg said:
We had this..moved to a better area, premium went up, when asked why i was told the average value of a car in your are has increased making any collision likely to cost more!
less likely to have car stolen but more likely to hit a 5 seroies than an escort
The obviously a load of nonsense, the call center worker has very little knowledge of why the prices are what they are. They just tell you things because you're going to blind believe them and it allows them to carry on with their job.less likely to have car stolen but more likely to hit a 5 seroies than an escort
I once changed my policy over from a 106 to another 106, the premium went up, they told me it was because the new car was older. After renewing I changed the insurance over again to another car and they told me the price went up because the new car was newer
They just say anything to appease you.
TwigtheWonderkid said:
279 said:
How is it that something not really linked to your driving profile such as your postcode have such a dramatic effect on your insurance price?
23, 4 years ncb, no accidents, low annual mileage, etc. With one postcode everything and I mean everything remotely tasty/has an engine much bigger than 1600cc defaulted to stupid 4k+. Move to another postcode 5 miles away? I can insure a e55k amg for under a grand.
Both postcodes are about the same when it comes to crime too!
Well there are two possibilities.23, 4 years ncb, no accidents, low annual mileage, etc. With one postcode everything and I mean everything remotely tasty/has an engine much bigger than 1600cc defaulted to stupid 4k+. Move to another postcode 5 miles away? I can insure a e55k amg for under a grand.
Both postcodes are about the same when it comes to crime too!
A) Spite. Insurers have a meeting once a month and pick random postcodes to persecute, just for a laugh.
B) The 2 postcodes are not the same, and their stats shows that people living in one postcode cost them far more in claims than people living in the other.
I'm no expert, but I'm going for option B.
Live on one road and I'm a apparently a major danger to myself driving a 1.8 Mondeo. Live on another and I can rock on in a 500BHP AMG Merc for less than it would cost to insure the Mondeo at the other address. And we're not talking about different cities many miles apart with different cultures/Wealth/Drivers. This is all still in the out skirts of Greater London, its just the difference between how the postcodes have been drawn up. I'm still going to be driving on the same roads!
andburg said:
We had this..moved to a better area, premium went up, when asked why i was told the average value of a car in your are has increased making any collision likely to cost more!
less likely to have car stolen but more likely to hit a 5 seroies than an escort
Why would the value of the car increase the cost of repairs?less likely to have car stolen but more likely to hit a 5 seroies than an escort
Or does everyone in the postcode area drive like complete mentalists ensuring every car is written off?
Neonblau said:
andburg said:
We had this..moved to a better area, premium went up, when asked why i was told the average value of a car in your are has increased making any collision likely to cost more!
less likely to have car stolen but more likely to hit a 5 seroies than an escort
Why would the value of the car increase the cost of repairs?less likely to have car stolen but more likely to hit a 5 seroies than an escort
Or does everyone in the postcode area drive like complete mentalists ensuring every car is written off?
I would guess insurance companies are looking at your age, and the fact the car has the GTI badge on it which unfortunately at your age they are going to bend you over a barrel for.
Doubt there is much you can do other than wait a couple of years and look again, we've all been through it and you just have to suck it up and bide your time.
Also the MK4 Golf is going to be stupidly common when it comes to insurance claims as they are such a common car, I believe that existing data is also a large factor so choosing that isn't going to help either. You could look into a Seat Leon sport 10vt/cupra, it's the same car but slightly lower insurance group and you may fair better and they are a better looking car IMO
Doubt there is much you can do other than wait a couple of years and look again, we've all been through it and you just have to suck it up and bide your time.
Also the MK4 Golf is going to be stupidly common when it comes to insurance claims as they are such a common car, I believe that existing data is also a large factor so choosing that isn't going to help either. You could look into a Seat Leon sport 10vt/cupra, it's the same car but slightly lower insurance group and you may fair better and they are a better looking car IMO
kayzee said:
And to think I was complaining at paying almost £500 per year for my Clio 182... maybe being 30 isn't all bad!
Insurance for young people is horrendous!My insurance (35, 10 yrs NCB, rural, no accidents/claims):
M135i: £210 comp
CRV: £230 comp
C1: £135 TPFT
3 bikes comp on multi-bike: £360
279 said:
TwigtheWonderkid said:
279 said:
How is it that something not really linked to your driving profile such as your postcode have such a dramatic effect on your insurance price?
23, 4 years ncb, no accidents, low annual mileage, etc. With one postcode everything and I mean everything remotely tasty/has an engine much bigger than 1600cc defaulted to stupid 4k+. Move to another postcode 5 miles away? I can insure a e55k amg for under a grand.
Both postcodes are about the same when it comes to crime too!
Well there are two possibilities.23, 4 years ncb, no accidents, low annual mileage, etc. With one postcode everything and I mean everything remotely tasty/has an engine much bigger than 1600cc defaulted to stupid 4k+. Move to another postcode 5 miles away? I can insure a e55k amg for under a grand.
Both postcodes are about the same when it comes to crime too!
A) Spite. Insurers have a meeting once a month and pick random postcodes to persecute, just for a laugh.
B) The 2 postcodes are not the same, and their stats shows that people living in one postcode cost them far more in claims than people living in the other.
I'm no expert, but I'm going for option B.
otolith said:
Given the choice of being 18 again or being in my forties with cheap insurance, I know which I'd take!
So true. I'd be 18 again, pedal a bike everywhere, and spend the insurance money on travelling and getting laid! Balls to giving a financial institution £2k+ just to get on the road. Forget about it. Spend the money doing something more meaningful. Cars can wait. A Mk4 GTI will still be a Mk4 GTI in 5 yrs time. It's not like they're going to get any worse...TwigtheWonderkid said:
279 said:
TwigtheWonderkid said:
279 said:
How is it that something not really linked to your driving profile such as your postcode have such a dramatic effect on your insurance price?
23, 4 years ncb, no accidents, low annual mileage, etc. With one postcode everything and I mean everything remotely tasty/has an engine much bigger than 1600cc defaulted to stupid 4k+. Move to another postcode 5 miles away? I can insure a e55k amg for under a grand.
Both postcodes are about the same when it comes to crime too!
Well there are two possibilities.23, 4 years ncb, no accidents, low annual mileage, etc. With one postcode everything and I mean everything remotely tasty/has an engine much bigger than 1600cc defaulted to stupid 4k+. Move to another postcode 5 miles away? I can insure a e55k amg for under a grand.
Both postcodes are about the same when it comes to crime too!
A) Spite. Insurers have a meeting once a month and pick random postcodes to persecute, just for a laugh.
B) The 2 postcodes are not the same, and their stats shows that people living in one postcode cost them far more in claims than people living in the other.
I'm no expert, but I'm going for option B.
My dad has had c*nt scratched into the bonnet of his car and there's occasional petty vandalism (head knocked off a statue on the ground opposite their house).
While the area is nice, it's also a through route from the council estate to the old village part of town where there's several pubs.
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