Insurance rant

[Ry_B]

Last year i was 21 with my Civic Type R with 2 years no claims and 4 years driving.

I'm now 22 with 3 years NCB, 5 years driving, no claims no points.

Insurance has gone from £1400 last year to £2100 this year, yet I am a year older and have another years no claims?

Cars..an expensive game

[Beyond Rational]

It's all our fault.

1 in 10 of us crashed last winter.

And a predilection (especially on PH it seems) for accident management companies which have to make a profit somewhere.

Edited by Beyond Rational on Monday 25th October 17:40

[kambites]

You'd have to pay me more than 2100 quid to underwrite a 22 year old driving a Civic Type-R.

[Jonty355]

Paying for car damage is one things, but the ambulance chasers making everyone get a whiplash claim in doesn't exactly help!

The UK has adapted the US's sueing culture! The only thing is, its worth it if you have an accident and can claim your premium back by making a whiplash claim!

But not siding with insurance companies in any way either.

[kambites]

Hard to blame the insurance companies, given that by all accounts they have been making substantial losses recently.

[Dr Derek Doctors]

Have you shopped around or is that just the Auto-Renewal quote?

[Wayne King]

kambites said:

You'd have to pay me more than 2100 quid to underwrite a 22 year old driving a Civic Type-R.

[lescombes]

My auto renewal came through today.....up £60 from last year....bear in mind I have 34 years with no claims/protected no claims/no speeding offences/ no parking offences/ no convictions....this quote included EU breakdown/legal assistance/replacement car/ £250 excess..........

Now after a quick look about.......got the same benefits as above apart from the excess as that is now £0 yep no excess for £106.40 cheaper..... Shop around BUT make sure your benefits are the same...

[frosted]

Yeah , 1400 with mummy, daddy and grandparents in the policy . At 21 I was paying 2100 for insurance in a type r and that was in 2006

[Ry_B]

Done all the comparason websites, most the main sites individually aswell, no luck.

[bazking69]

Beyond Rational said:

1 in 10 of us crashed last winter.

And 9 in 10 claimed major life threatening whiplash....

[anonymous-user]

kambites said:

You'd have to pay me more than 2100 quid to underwrite a 22 year old driving a Civic Type-R.

My 21 year old friend got insured a few months ago for £1000 FC on a civic type R.

He has points and only a couple of years nc too.

[Ry_B]

kambites said:

You'd have to pay me more than 2100 quid to underwrite a 22 year old driving a Civic Type-R.

They aren't that fast mate, just a hotish hatch

[frosted]

Not possible

[Shaw Tarse]

Young male drivers ?

[Rouleur]

Shaw Tarse said:

Young male drivers ?

Yes, it's all the OP's mates who are to blame

Karma perhaps..?

[Ry_B]

Shaw Tarse said:

Young male drivers ?

Do you think my "young" mate can insure an M3? He's 32, 10 years older than myself

[kambites]

Ry_B said:

kambites said:

You'd have to pay me more than 2100 quid to underwrite a 22 year old driving a Civic Type-R.

They aren't that fast mate, just a hotish hatch

I know that, but I remember how I drove when I was 22.

[Ed.]

kambites said:

Hard to blame the insurance companies, given that by all accounts they have been making substantial losses recently.

I wouldn't if they didn't immediately go 50/50 rather than investigating properly and didn't share customer details with 'like for like' car rental firms that sometimes exceed repair costs.

Edited by Ed. on Monday 25th October 19:27

[Ry_B]

Rouleur said:

Shaw Tarse said:

Young male drivers ?

Karma perhaps..?

Did you not read the bit where I said 5 years free of claims or points?