Insurance insanely high for no reason?

Insurance insanely high for no reason?

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Discussion

twoblacklines

Original Poster:

1,575 posts

160 months

Thursday 23rd March 2017
quotequote all
Hi,

For some reason I am getting insanely high insurance quotes for ANY car I put in.

I am 30, never crashed, 9+ years NCB, one claim 5 years ago (it asks for last 3 years) which in 6 months will have been 6 years ago, never frauded, no traffic offenses etc.

So far done 3 quotes

- 1997 golf vr6 highline 2.8 - £590 FC
- 2003 golf 1.4 S - £570 FC
- A3 2.0t FSI s-line - 860 FC
- My current car - a3 2.0tdi 2007 - 820 FC (currently paying £300 FC with Churchill).

As you can see my quotes have sky rocketed but nothing has changed. No claims, no convictions.

Obviously there has been a mistake but how do I rectify? Because all of them are quoting me this including the insurer I am currently with who are charging almost 1/3 less currently. Who do I ring?

Can I visit a broker to see what's up?

The only change has been a change of address, cornwall - north wales. My whole family moved and their insurance has gone up by £30, only because it went from garaged to on-drive. My car has gone from on-pavement to on-drive so it should be even less.

Help!

General Fluff

478 posts

136 months

Thursday 23rd March 2017
quotequote all
Re-run the quote with your old address and see what happens

BluePurpleRed

1,137 posts

225 months

Thursday 23rd March 2017
quotequote all
"The only change has been a change of address, cornwall - north wales"


Thats the one. (this was many years ago ) My 944 at my Dad's in Newbury... £191. Tooting? £2400.

TVR Tuscan on the street in Balham? £400. In a secure garage in Streatham? £800

Postcode lottery I'm afraid.

twoblacklines

Original Poster:

1,575 posts

160 months

Thursday 23rd March 2017
quotequote all
Then why is it only £30 higher for every one else in the family insuring the other 2 cars in the household?

tejr

3,101 posts

163 months

Thursday 23rd March 2017
quotequote all
twoblacklines said:
The only change has been a change of address, cornwall - north wales. My whole family moved and their insurance has gone up by £30, only because it went from garaged to on-drive. My car has gone from on-pavement to on-drive so it should be even less.

Help!
Thats a big change..

At my old address I was paying double and it was cheaper if the car was on the street. Weird.

kiethton

13,883 posts

179 months

Thursday 23rd March 2017
quotequote all
could be that more people of your demographic crash in that location

anonymous-user

53 months

Thursday 23rd March 2017
quotequote all
twoblacklines said:
My car has gone from on-pavement to on-drive so it should be even less.
You think so?

oldbanger

4,316 posts

237 months

Thursday 23rd March 2017
quotequote all
My first thoughts were that someone may have used your details, or someone has a very similar name/dob on one of these databases:

http://www.gocompare.com/car-insurance/cue-databas...
http://www.theifr.org.uk/en/

You can do a subject access request but to be honest, if you can't find a reasonable quote online, I'd first pop into a brokers like Swinton (there's at least 4 branches in North Wales), and try getting a quote from them. They might be able to help explain things if you're still getting these kind of big figures.

twoblacklines

Original Poster:

1,575 posts

160 months

Thursday 23rd March 2017
quotequote all
Mother just did a quote, on Audi TT 1.8 TFSI Convertible 2009. Says she pays £29/month and it's gone up to £31/month. Same post code as me.

Edin430

940 posts

203 months

Thursday 23rd March 2017
quotequote all
280E said:
twoblacklines said:
My car has gone from on-pavement to on-drive so it should be even less.
You think so?
I'm led to believe that street parking is always cheaper for insurance quotes - over any other option.

PistonBroker

2,406 posts

225 months

Thursday 23rd March 2017
quotequote all
Perhaps I've been doing it wrong but that result would just tell me the current insurer is best and I'd be recommending my client renews with them. Seems to have worked all these years.

You don't *have* to switch every year you know!

8bit

4,846 posts

154 months

Thursday 23rd March 2017
quotequote all
I've heard recently of insurers charging more for a car parked on a private driveway compared to on-street as it confirms which house the keys for the car will be located in, making a thief's job a bit easier potentially.

That, plus postcode lottery. A number of years back I moved from my own flat and into my girlfriend's place. It was literally a 3 minute walk away, there was only I think one digit different in the postcode and the car was parked on street at both places. I was with RAC insurance at the time, they put the premium up by another £270 due to the postcode, they said.

twoblacklines

Original Poster:

1,575 posts

160 months

Thursday 23rd March 2017
quotequote all
oldbanger said:
My first thoughts were that someone may have used your details, or someone has a very similar name/dob:

http://www.gocompare.com/car-insurance/cue-databas...
http://www.theifr.org.uk/en/

You can do a subject access request but to be honest, if you can't find a reasonable quote online, I'd pop into a brokers like Swinton (there's at least 4 branches in North Wales), and try getting a quote from them. They might be able to help explain things if you're still getting these kind of big figures.
Thank you, I will go to Swintons!

ambuletz

10,690 posts

180 months

Thursday 23rd March 2017
quotequote all
insurance can vary from street to street. afew years back I moved 3 streets away. it was still a side road that was off the main road so no more busy/quiet then the old place. despite this the insurers wanted an extra £120 ontop of the £1700 at the time.

PostHeads123

1,042 posts

134 months

Thursday 23rd March 2017
quotequote all
Try Direct Line, only reason I suggest that is I'm with them and my renewal came through £235, so thought I would see what I could get on a comparison website and everything was £420 plus even with the cheapo companies. Not sure why DL so much cheaper may be they not go round to pricing in the compo claim change.

twoblacklines

Original Poster:

1,575 posts

160 months

Thursday 23rd March 2017
quotequote all
PostHeads123 said:
Try Direct Line, only reason I suggest that is I'm with them and my renewal came through £235 a months, so thought I would see what I could get on a comparison website and everything was £420 plus even with the cheapo companies. Not sure why DL so much cheaper may be they not go round to pricing in the compo claim change.
This is DL mainly. With churchill as back up. Won't touch NU.

Moonhawk

10,730 posts

218 months

Thursday 23rd March 2017
quotequote all
280E said:
twoblacklines said:
My car has gone from on-pavement to on-drive so it should be even less.
You think so?
That aspect isn't as straight forward as it seems.

My insurance quote for example went up when I declared that I was going to start garaging it rather than leaving it on the drive.

I guess the insurance company feel that the chances of me pranging it getting it in and out of the garage is greater than it being damaged or robbed off the drive.

anonymous-user

53 months

Thursday 23rd March 2017
quotequote all
Out of interest, OP, are you from the USA ('pavement', 'offenses')?

twoblacklines

Original Poster:

1,575 posts

160 months

Thursday 23rd March 2017
quotequote all
280E said:
Out of interest, OP, are you from the USA ('pavement', 'offenses')?
No, I just mainly converse on US forums and work with US businesses so I guess you pick up the lingo?

sandman77

2,366 posts

137 months

Thursday 23rd March 2017
quotequote all
280E said:
Out of interest, OP, are you from the USA ('pavement', 'offenses')?
Whats wrong with pavement? I have been using that word since I can remember (UK born and bred).