Insurance renewal - what is going on?!

[littlegreenfairy]

I keep hearing that insurance is going up and up and was bracing myself for it to be a bend over moment when I searched on the meerkat comparison site.

My surprise was that fully comp, being self employed in a ditzy industry my renewal is almost half of what it was last year.

So this quote was with Swift Cover. Should I be looking for heffalump traps as it seems remarkably cheap!?!! (I have just bought a house and moved to a new postcode - but only a mile away from the last. Surely this does not change things that much! Oh and got married...)

I need a cuppa and a sit down now.

[sturobturbo]

Being married and insuring spouse would help to reduce the premium, wouldn't it?

[FreeLitres]

OP: What car?

[littlegreenfairy]

FreeLitres said:

OP: What car?

Don't ask. It's embarrassing.

[littlegreenfairy]

sturobturbo said:

Being married and insuring spouse would help to reduce the premium, wouldn't it?

He's always been on the policy, but last insurer gave us £30 back when I changed details.

[FreeLitres]

Perhaps the insurance companies have realised that folk REALLY don't want to steal your car?

(Happened to me when I had a £33k Electric car!)

[gamefreaks]

Yep...mine came down from £1000 to £550 when I moved to SwiftCover too.

Not had to claim though so no idea what they're like when push comes to shove!

[littlegreenfairy]

FreeLitres said:

Perhaps the insurance companies have realised that folk REALLY don't want to steal your car?

(Happened to me when I had a £33k Electric car!)

It's a Corolla. I think it'd be far down the list on desirable to nick. Especially since someone has keyed it and I had an issue with walls jumping out at me.

[Steffan]

littlegreenfairy said:

FreeLitres said:

OP: What car?

Don't ask. It's embarrassing.

As a friend of mine said to his daughter when she objected to riding in his Peugeot 406 " A third class ride is better than a first class walk". She got in.

No shame in a cheap motor. Everything to look forward to.

[littlegreenfairy]

Steffan said:

As a friend of mine said to his daughter when she objected to riding in his Peugeot 406 " A third class ride is better than a first class walk". She got in.

No shame in a cheap motor. Everything to look forward to.

This is going to be a very unPH thing to say, but I genuinely enjoy driving my car. It isn't sluggish, very comfy and has served me well. We've already taken the decision to keep it until it conks out rather than jack it in for something more exciting. At 6 years old it's only ever needed consumables and has been very reliable.

[Meoricin]

My renewal quote for this next year has dropped by £350~, for some unknown reason. (£750~ down to £400~).

Makes me really regret the bottom end being broken, and my plans to break it. No doubt whatever I replace it with will be expensive again.

[Debaser]

littlegreenfairy said:

I keep hearing that insurance is going up and up and was bracing myself for it to be a bend over moment when I searched on the meerkat comparison site.

My surprise was that fully comp, being self employed in a ditzy industry my renewal is almost half of what it was last year.

So this quote was with Swift Cover. Should I be looking for heffalump traps as it seems remarkably cheap!?!! (I have just bought a house and moved to a new postcode - but only a mile away from the last. Surely this does not change things that much! Oh and got married...)

I need a cuppa and a sit down now.

Have you read some of the reviews of Swiftcover? Seems they're cheap for a reason.

[forzaminardi]

I had a remarkably low initial quote from Swiftcover a few years back, and went with them. I didn't make a claim so can't comment on the generally poor reputation they have but they were very much cheaper than the competition at the time. Oddly, when it came to renewal time they couldn't get anywhere near a quote from Elephant which historically has always been best for me.

[Steffan]

Debaser said:

littlegreenfairy said:

I keep hearing that insurance is going up and up and was bracing myself for it to be a bend over moment when I searched on the meerkat comparison site.

My surprise was that fully comp, being self employed in a ditzy industry my renewal is almost half of what it was last year.

So this quote was with Swift Cover. Should I be looking for heffalump traps as it seems remarkably cheap!?!! (I have just bought a house and moved to a new postcode - but only a mile away from the last. Surely this does not change things that much! Oh and got married...)

I need a cuppa and a sit down now.

Have you read some of the reviews of Swiftcover? Seems they're cheap for a reason.

I second that see: http://www.reviewcentre.com/reviews92494.html

[littlegreenfairy]

Those reviews aren't so bad! My current insurer is worse....

[Debaser]

littlegreenfairy said:

Those reviews aren't so bad! My current insurer is worse....

I'd check whether they use second hand parts when repairing you car (if that sort of thing bothers you).

[vrsmxtb]

Heffalump traps - always check for these...