Another Insurance renewal wtf thread...
Discussion
Hmm...
I've been driving over 10 years, never claimed or had points, live in a "C" rated postcode, have access to and use 4 other cars, have a history of more valuable and more modded cars, and now drive a 325ti on coilovers worth £2750 tops. I've only got 2 years NCB as I had 4 years with a classic car policy, and the cheapest insurance quote I can get is £807. On the OH's Smart fourtwo MHD it's still over £600
WHY?! In 10 years my insurance has only ever crept up!
Is Insurance voodoo witch-craft?
I've added my dad to my policy as he drives it a bit, as does my other half, changed my job title to the cheapest option relevant to my position, and the car is parked on a driveway.
Any other tips, or should I resign myself to the fact I'm going to get bummed for insurance forever?!
I've been driving over 10 years, never claimed or had points, live in a "C" rated postcode, have access to and use 4 other cars, have a history of more valuable and more modded cars, and now drive a 325ti on coilovers worth £2750 tops. I've only got 2 years NCB as I had 4 years with a classic car policy, and the cheapest insurance quote I can get is £807. On the OH's Smart fourtwo MHD it's still over £600
WHY?! In 10 years my insurance has only ever crept up!
Is Insurance voodoo witch-craft?
I've added my dad to my policy as he drives it a bit, as does my other half, changed my job title to the cheapest option relevant to my position, and the car is parked on a driveway.
Any other tips, or should I resign myself to the fact I'm going to get bummed for insurance forever?!
Edited by AlecG on Wednesday 21st March 14:45
kambites said:
Sounds like you live in a post-code that they really don't like.
Insurance premiums go up because insurance costs go up - a combination of inflation, increasing personal accident claims, busier roads, and a few other odds and ends.
This, really.Insurance premiums go up because insurance costs go up - a combination of inflation, increasing personal accident claims, busier roads, and a few other odds and ends.
A C-rated postcode could actually be quite a bad one, remember they are broken down more specifically than those brackets. If the Smart is costing that much for a woman to insure, I presume it is the postcode that's at fault.
The Crack Fox said:
2 years NCB is hurting you, why so few if you've been driving for 10 ?
Only 2 Years NCB as I had a classic car for 4 years, and with that policy I didn't get any NCB with it!I will see if I can find out the specifics on my postcode... The £600 was a quote for me on her Smart car! She also had a prang which was her fault within 18 months which again probably doesn't help me!
It's still rubbish! I've got it down by £67 at the moment, but I've had some very odd quotes!
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