Has your insurance gone up?
Discussion
d_a_n1979 said:
The wife's Racing Jazz (ie. can't pull skin off of a rice puddin') 1.4 auto; does 4k miles a year if lucky no mods whatsoever (24 years driving, full NCB, never any claims, certified advanced driver etc) was paying £180 fully comp, now £375; no where could do any cheaper!
It's stupid...
The Jazz might be being hit because of cat thefts - even if it's a not a mk1, there could be a knock on effect.It's stupid...
Having said that, your experience is same on wife's car, a Karoq. Yet others see little of no difference - it makes me think there must be some tiny part of our circumstances that's bumping up the cost and if only we knew what was, then we might be able to change it.
Had my Admiral renewal through yesterday, for both cars up from £540 to £789. This is for a Fiesta and sheddy Renault Grand Scenic.
Quick look around, Scenic for £267.45 at Tesco and Fiesta for £347.54 with Tesco also.
How a Fiesta from 2014 is more than a 14 year old Grand Scenic is beyond me!
Quick look around, Scenic for £267.45 at Tesco and Fiesta for £347.54 with Tesco also.
How a Fiesta from 2014 is more than a 14 year old Grand Scenic is beyond me!
Interesting points here:
https://youtu.be/Vh2PFRO1x1A?si=RSrzeCaYItTbok_h&a...
from one of those salvage youtubers who's managed to put a cat S write-off Defender back on the road with only 8 hours of work.
Some of his points are interesting and do suggest that insurance companies themselves are so risk adverse that they are unnecessarily writing things off and, thereby, pushing all our premiums up.
https://youtu.be/Vh2PFRO1x1A?si=RSrzeCaYItTbok_h&a...
from one of those salvage youtubers who's managed to put a cat S write-off Defender back on the road with only 8 hours of work.
Some of his points are interesting and do suggest that insurance companies themselves are so risk adverse that they are unnecessarily writing things off and, thereby, pushing all our premiums up.
My 18 year old son's first car was a 2000 MR2 and his first year premium was about £2400.
Price comparison sites with 1 year's NCB offered around £1350 but the renewal came through at a very unexpected £800 odd, 8000 miles, still with black box which he doesn't mind now Wales is under such speed oppression.
Price comparison sites with 1 year's NCB offered around £1350 but the renewal came through at a very unexpected £800 odd, 8000 miles, still with black box which he doesn't mind now Wales is under such speed oppression.
LuS1fer said:
My 18 year old son's first car was a 2000 MR2 and his first year premium was about £2400.
Price comparison sites with 1 year's NCB offered around £1350 but the renewal came through at a very unexpected £800 odd, 8000 miles, still with black box which he doesn't mind now Wales is under such speed oppression.
Remarkably reasonable in my view given the choice of car. Price comparison sites with 1 year's NCB offered around £1350 but the renewal came through at a very unexpected £800 odd, 8000 miles, still with black box which he doesn't mind now Wales is under such speed oppression.
Shnozz said:
LuS1fer said:
My 18 year old son's first car was a 2000 MR2 and his first year premium was about £2400.
Price comparison sites with 1 year's NCB offered around £1350 but the renewal came through at a very unexpected £800 odd, 8000 miles, still with black box which he doesn't mind now Wales is under such speed oppression.
Remarkably reasonable in my view given the choice of car. Price comparison sites with 1 year's NCB offered around £1350 but the renewal came through at a very unexpected £800 odd, 8000 miles, still with black box which he doesn't mind now Wales is under such speed oppression.
I sold our Alfa 159 diesel to a gent from a decent area of South Manchester at the weekend. Nice bloke, professional occupation (electronic), homeowner, full ncb, clean licence etc 59 years old. A very similar profile to myself, a few years older than me.
He was dealing with his insurance over the phone - £834
and that was his cheapest with Admiral, literally quadruple what we were paying and I go for quality of cover, not price.
Unless you’re massive risk or have horrendous convictions it’s not the car, it’s not even your age - it’s over and above any other consideration your postcode.
He was dealing with his insurance over the phone - £834
and that was his cheapest with Admiral, literally quadruple what we were paying and I go for quality of cover, not price. Unless you’re massive risk or have horrendous convictions it’s not the car, it’s not even your age - it’s over and above any other consideration your postcode.
I filled out a new quote form on our current providers website and was pleasantly surprised to see that a £5K 2008 Jag XF 5.0 is cheaper to insure than my current shed 2010 Audi A6 tdi. £264 v £274, and I can get that down to £243 if I remove the RAC cover as I have AA cover through my bank account.
The quote for my Cayman has gone up from £80 last year to £227 this.
The M340i from £509 to £644.
The Fiesta - with my son insured to drive - £1441 to £883.
So, from £2,030 last year to to £1,755 this.
The Fiesta is good news of course but the Beemer is 25% more and the Porsche has trebled. My insurer wasn't able to give any convincing explanation for this.
And that was before I'd mentioned the 3 points I'd picked up for speeding. Then it was an additional 25% more across the board!
The M340i from £509 to £644.
The Fiesta - with my son insured to drive - £1441 to £883.
So, from £2,030 last year to to £1,755 this.
The Fiesta is good news of course but the Beemer is 25% more and the Porsche has trebled. My insurer wasn't able to give any convincing explanation for this.
And that was before I'd mentioned the 3 points I'd picked up for speeding. Then it was an additional 25% more across the board!
clive_candy said:
The quote for my Cayman has gone up from £80 last year to £227 this.
The M340i from £509 to £644.
The Fiesta - with my son insured to drive - £1441 to £883.
So, from £2,030 last year to to £1,755 this.
The Fiesta is good news of course but the Beemer is 25% more and the Porsche has trebled. My insurer wasn't able to give any convincing explanation for this.
And that was before I'd mentioned the 3 points I'd picked up for speeding. Then it was an additional 25% more across the board!
That's pretty unreasonable if they put the fiesta up 25% for your 3 points. It was clearly being weighted based on your son as the highest risk so your points should have made much less difference.The M340i from £509 to £644.
The Fiesta - with my son insured to drive - £1441 to £883.
So, from £2,030 last year to to £1,755 this.
The Fiesta is good news of course but the Beemer is 25% more and the Porsche has trebled. My insurer wasn't able to give any convincing explanation for this.
And that was before I'd mentioned the 3 points I'd picked up for speeding. Then it was an additional 25% more across the board!
Not insurance, but AA cover went from £118 to £208 this year - a phone call to cancel and they could miraculously bring it down to £130 by doing some special checks and giving some goodwill, but f
k em have taken it elsewhere. Apparently their systems aren't good enough to factor in a lack of callouts to their renewal price!
k em have taken it elsewhere. Apparently their systems aren't good enough to factor in a lack of callouts to their renewal price!ScotHill said:
Not insurance, but AA cover went from £118 to £208 this year - a phone call to cancel and they could miraculously bring it down to £130 by doing some special checks and giving some goodwill, but fk em have taken it elsewhere. Apparently their systems aren't good enough to factor in a lack of callouts to their renewal price!
absolutely the right thing to do. Ring them, barter for a discount them f£&k them off for trying to screw you.k em have taken it elsewhere. Apparently their systems aren't good enough to factor in a lack of callouts to their renewal price!If more people did this things might start to improve.
fatjon said:
ScotHill said:
Not insurance, but AA cover went from £118 to £208 this year - a phone call to cancel and they could miraculously bring it down to £130 by doing some special checks and giving some goodwill, but fk em have taken it elsewhere. Apparently their systems aren't good enough to factor in a lack of callouts to their renewal price!
absolutely the right thing to do. Ring them, barter for a discount them f£&k them off for trying to screw you.k em have taken it elsewhere. Apparently their systems aren't good enough to factor in a lack of callouts to their renewal price!If more people did this things might start to improve.
Contacted them to complain and they immediately dropped £100.
Still way beyond the other quotes I'd had for 800 this year, so left them.
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