Insurance insanely high for no reason?

[twoblacklines]

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!

[twoblacklines]

Then why is it only £30 higher for every one else in the family insuring the other 2 cars in the household?

[twoblacklines]

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.

[twoblacklines]

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!

[twoblacklines]

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.

[twoblacklines]

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?

[twoblacklines]

sandman77 said:

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

I was...

[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....

[twoblacklines]

Ok I am sending the form off tomorrow to request details.

So far for a 2.0t fsi a3 s line

Churchill
Directline
Sawtons brokers
all of the comparison sites
£850 FC

Aviva
£380 FC

Aviva is the only place that will insure me for the proper price. Also I checked and I am insured with Aviva and not Churchill which I thought I was insured with (none of them send docs anymore). I seem to remember Aviva was the only company I could renew with but I thought that was because I had just moved house so address problems, maybe it is because the rest think I have 12 points or something?

Will be interesting to see what it says on the database request but...why is Aviva so different to the others if they all use the same DB?