Insurance insanely high for no reason?
Discussion
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!
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!
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.. Help!
At my old address I was paying double and it was cheaper if the car was on the street. Weird.
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.
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.
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.
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.
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! 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.
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.
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.280E said:
twoblacklines said:
My car has gone from on-pavement to on-drive so it should be even less.
You think so?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.
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