Insurance insanely high for no reason?

[SuperchargedVR6]

sandman77 said:

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).

So have I, when referring to the 'sidewalk'. A road has always been called a road in the UK, not a pavement.

Oh and for the last 2 years, my Hastings Direct renewal has come through the same, or a few quid dearer.

[sandman77]

SuperchargedVR6 said:

So have I, when referring to the 'sidewalk'. A road has always been called a road in the UK, not a pavement.

Oh and for the last 2 years, my Hastings Direct renewal has come through the same, or a few quid dearer.

Ah - I thought he was referring to the footway not the road.

[twoblacklines]

sandman77 said:

Ah - I thought he was referring to the footway not the road.

I was...

[Dan_1981]

Where was your old postcode?
and where is your new one?


http://www.carinsuranceexplained.com/car-insurance...

[SuperchargedVR6]

sandman77 said:

SuperchargedVR6 said:

So have I, when referring to the 'sidewalk'. A road has always been called a road in the UK, not a pavement.

Oh and for the last 2 years, my Hastings Direct renewal has come through the same, or a few quid dearer.

Ah - I thought he was referring to the footway not the road.

I think it's just semantics because people don't park on pavements either. The usual insurance choices are: on the road, on a private driveway, private off road parking or allocated residential parking.

[xjay1337]

Dan_1981 said:

Where was your old postcode?
and where is your new one?


http://www.carinsuranceexplained.com/car-insurance...

I wouldn't believe that as I moved from RG## to RG## (same risk code) and it was £80 difference.
Both in "B" band.

[DaveH23]

twoblacklines said:

My car has gone from on-pavement to on-drive so it should be even less.

Look at it from a risk point of view.

If I want to steal your car and I see it on the road I have no idea where the keys are. If I see it on your drive I have a pretty good idea of which house they are in.

Parking on the road has been cheaper than the drive or garaged for as long as I can remember.

[SWoll]

DaveH23 said:

twoblacklines said:

My car has gone from on-pavement to on-drive so it should be even less.

Look at it from a risk point of view.

If I want to steal your car and I see it on the road I have no idea where the keys are. If I see it on your drive I have a pretty good idea of which house they are in.

Parking on the road has been cheaper than the drive or garaged for as long as I can remember.

Yet surely if it's parked on the road the risk of someone reversing/driving into it is far higher than on a drive, and more likely to occur than it being knicked?

That's what I always assumed anyway.

[xRIEx]

There are a lot of scummy areas in North Wales.

[MitchT]

A3s and the sportier Golfs are two of the most aggressively driven cars I see on the roads these days. It doesn't surprise me one bit that premiums are rocketing on these given the inevitable consequences. Unfortunate for the minority who drives one of the above and isn't a complete bell end, but that's life.

[DaveH23]

SWoll said:

DaveH23 said:

twoblacklines said:

My car has gone from on-pavement to on-drive so it should be even less.

Look at it from a risk point of view.

If I want to steal your car and I see it on the road I have no idea where the keys are. If I see it on your drive I have a pretty good idea of which house they are in.

Parking on the road has been cheaper than the drive or garaged for as long as I can remember.

Yet surely if it's parked on the road the risk of someone reversing/driving into it is far higher than on a drive, and more likely to occur than it being knicked?

That's what I always assumed anyway.

You are right.

Paying out for a bump/scratch is considerably cheaper then a stolen car though.

[twoblacklines]

Dan_1981 said:

Where was your old postcode?
and where is your new one?


http://www.carinsuranceexplained.com/car-insurance...

It's not the postcode. The prices go down £50 each for the postcode changes. My families don't really change much and other people in the area said "wtf" when I told them to compare.

[twoblacklines]

DaveH23 said:

Look at it from a risk point of view.

If I want to steal your car and I see it on the road I have no idea where the keys are. If I see it on your drive I have a pretty good idea of which house they are in.

Parking on the road has been cheaper than the drive or garaged for as long as I can remember.

Whilst that makes sense for the average street of terraced houses in London, where it was before (PL14) there were 7 detatched houses on the single street it was very obvious which house each car belonged to.

Also directline don't even ask where it is parked so....

[samdale]

twoblacklines said:

This is DL mainly. With churchill as back up. Won't touch NU.

Have you looked at any price comparison sites? Is it just a quirk of DLs quoting?

[Clivew]

Are you the only named driver on the policy? If so try adding your mother to the policy, it does make a difference sometimes.

[shakindog]

I had an interesting experience with car insurance also.
If I wanted my renewal to start on the 1st of the month it would have cost double what it would cost to have it start on the 9th of the month.
Suffice to say the car sat on the drive till the 9th and saved me a few hundred pounds.
I even rang and spoke to someone about it and they didn't know why.
The only reason I can think of is as it was the day before it was due for renewal. they have most folk over a barrel as it's against the law to not be insured so folk just pay up.

[TwigtheWonderkid]

shakindog said:

I had an interesting experience with car insurance also.
If I wanted my renewal to start on the 1st of the month it would have cost double what it would cost to have it start on the 9th of the month.
Suffice to say the car sat on the drive till the 9th and saved me a few hundred pounds.
I even rang and spoke to someone about it and they didn't know why.
The only reason I can think of is as it was the day before it was due for renewal. they have most folk over a barrel as it's against the law to not be insured so folk just pay up.

It seems perfectly logical to me that the type of person who is organised and is sorting out their renewal a few weeks in advance of the date will be a far better risk than the bloke who has left it to the last minute.

I'd bet Mr Lastminute is also the guy who is always running late, can't find his keys, etc. and is rushing to get to everywhere on time.

[Evanivitch]

Check the Insurance rating for your post code, makes a huge difference. Not always because of rough areas, but often because of traffic issues like a poor junction layout or lots of parking dings.

When i lived in Cardiff, we all found it was significantly more expensive to insure at that address than at previous addresses in Kent/Glasgow/Swansea/Merthyr, and we weren't living in a student area.

[General Fluff]

Sorry but I don't understand why this is so difficult. You can run any number of quotes on a comparison site with all the variables you wish to test. It shouldn't take too long to work out what's affecting the premium.

[tejr]

twoblacklines said:

Whilst that makes sense for the average street of terraced houses in London, where it was before (PL14) there were 7 detatched houses on the single street it was very obvious which house each car belonged to.

Also directline don't even ask where it is parked so....

If you are a thief you want as much cover as possible when nicking a car.. Its easier to hide on a driveway than on the street.. its also why some insurers are more expensive for garages because you essentially give the thief perfect cover to take their time to ensure a higher a success rate of the car being taken.

But again, its all about risk profile.. like I mentioned before, at my new postcode its cheaper for my car to be declared as being on the driveway than on the street. I guess in our area more claims have been made for cars on the road, increasing the risk profile.