When did your car insurance get cheaper
Discussion
I’m currently trying to sort my insurance out.
31
10,000 miles a year
Licence for 13 years
10 years no claims
One non fault claim March 2018
One non fault incident July 2019 (third party crashed into me and failed to stop. No claim made as a tiny dent in door).
VW Golf 2 litre TDI
Police officer
Last year I paid £350 exactly. This year it’s looking at nearly £400 without any extras. I’m waiting for my renewal to come through as last year they were massively cheaper.
Girlfriend went from £800 to £300 this year.
31
10,000 miles a year
Licence for 13 years
10 years no claims
One non fault claim March 2018
One non fault incident July 2019 (third party crashed into me and failed to stop. No claim made as a tiny dent in door).
VW Golf 2 litre TDI
Police officer
Last year I paid £350 exactly. This year it’s looking at nearly £400 without any extras. I’m waiting for my renewal to come through as last year they were massively cheaper.
Girlfriend went from £800 to £300 this year.
im 40, live in what i believe is an alright area and i still get some stupid prices, certainly stupid compared to other prices i hear.
Not mega stupid but always up near a grand really. Even my tuscan which it seems every one else pays 300 a year is 500.
Just got a quote on a 7.5t tipper at 575 though which i didn't think bad- considering i dont have the licence yet so even when i do ill technically have zero experience in that type of weight class.
Best policy i had was just under 2k for 2 3.5t tipper vans. that was for any driver at any age! incredible really i thought.
Last year it went up to nearly 3k so swapped over to another policy (with the same people but through a broker) for any driver over 21 for the same 2 vans and its 1600 so thats pretty good too.
Not mega stupid but always up near a grand really. Even my tuscan which it seems every one else pays 300 a year is 500.
Just got a quote on a 7.5t tipper at 575 though which i didn't think bad- considering i dont have the licence yet so even when i do ill technically have zero experience in that type of weight class.
Best policy i had was just under 2k for 2 3.5t tipper vans. that was for any driver at any age! incredible really i thought.
Last year it went up to nearly 3k so swapped over to another policy (with the same people but through a broker) for any driver over 21 for the same 2 vans and its 1600 so thats pretty good too.
I'm 74 with a 2018 Leon FR (150) insured for me & my wife & 10k miles/annum. Pay just under £300 in a small town in Gloucestershire. One SP30 & one SP50 (more than 3 years ago but less than 5). Last year to this year my premium increased by 2p (yes, that is 2p).
My wife pays about the same for her Clio 1.2TCE & 4k miles (me as named driver)
My wife pays about the same for her Clio 1.2TCE & 4k miles (me as named driver)
carlove said:
I got my renewal today, and to my amazement, it’s actually gone down, and quite significantly; from £835 to £538 (same number backwards, which is a little odd). Every year before this it’s gone up a bit, and I then change my insurance company, but never to a
much cheaper premium.
I’m 26 and drive a sensible Astra. I passed my test in 2013, first car in 2014. Had a small at fault claim for a car park ding in 2018, I made no claim for my own car. I don’t live in a particularly nice area and do 20k miles a year which doesn’t help.
So I’m curious, how long had you been driving when your premium started reducing? I think 7 years is quite a long time, and I know a few people my age who are paying £2-300. Am I doing something wrong or is it normal to pay so much for so long?
Its the Astra, the Mrs went from a Polo to a Astra and her insurance over doubled. I find Vauxhalls in general much higher insurance. much cheaper premium.
I’m 26 and drive a sensible Astra. I passed my test in 2013, first car in 2014. Had a small at fault claim for a car park ding in 2018, I made no claim for my own car. I don’t live in a particularly nice area and do 20k miles a year which doesn’t help.
So I’m curious, how long had you been driving when your premium started reducing? I think 7 years is quite a long time, and I know a few people my age who are paying £2-300. Am I doing something wrong or is it normal to pay so much for so long?
Edited by carlove on Sunday 7th March 09:49
£1100 multicar policy fully comp protected NCB ..for Aston/ Capri / wife Mitsubishi ...clean licence / no points which is very good but the insurer has turned out to be an absolute cock ... after first claim in 30 years was an experience i dont want to repeat and nearly involved financial ombudsman
An insurance policy is not about cost but how they deal with situations when you need to make a claim
Mine has been drifting down pretty much continuously ever since I got my first car 20 years ago. I think the only time it's ever gone up is if I've either changed car, or been involved in a claim. I think it was £166 last year for 5000 miles a year (not that I've actually got anywhere near that; I probably haven't even done 500 miles).
Edited by kambites on Sunday 7th March 13:45
carlove said:
I’m 26 and drive a sensible Astra. I passed my test in 2013, first car in 2014. Had a small at fault claim for a car park ding in 2018, I made no claim for my own car. I don’t live in a particularly nice area and do 20k miles a year which doesn’t help.
I’m also 26 but I drive a Volvo S60 D4. I passed my test eight years ago today. I cover 25k miles per year and currently live in the Peak District. I require business cover, have no convictions but I do have a non-fault claim on file from when somebody crashed into me in Sept 2016. I have 7yrs NCB.
I pay £800 per year at the moment but I hope that my premium comes down when I renew in Sept as the non fault claim will not be logged and I’ll have another years NCB. I installed a dash cam last week which resulted in a refund of £20.00 which means it is only £780.
I did IAM at 23 because I was absolutely bloody sick of paying over the odds. My insurance went down about 25% the moment I passed my test. But as I got older the discount got smaller. It's about 6% now, from what I can tell.
Taking that out of the equation, I don't think I've ever seen my insurance go down, as such, it just never appreciably increased, despite buying nicer cars as I got older.
A few things I have noticed:
Taking that out of the equation, I don't think I've ever seen my insurance go down, as such, it just never appreciably increased, despite buying nicer cars as I got older.
A few things I have noticed:
- Insurance starting today/tomorrow is always more expensive than insurance starting next week.
- Mileage increase means premium increase, seemingly more than anything else.
- Business use is often a no cost extra. Get quotes for both, sometimes it doesn't hurt.
- A small own fault claim wasn't the end of the world. Certainly not worth paying for myself and assuming I'd save on insurance increases; it made very little difference.
- Three points on your license are pretty much free. Six points aren't.
I would say it’s
Car
Experience
Location
Job Title
Car and Experience are some what tied together I’m 28 now and almost any performance car only raises the insurance by £10s rather than £100s
Location is something that seems to be a base factor, I seem to get 30% cheaper quotes living in Shropshire, than Doncaster
Job title, this appeared to bring my quote down by £20-£50
24-25 was when I noticed it but I think that’s when I bought a hot hatch, so I noticed it wasn’t as bad as I thought. I think my insurance has gone £800(24), £700 (25), £500 (26), £450 (27) all with a Fiesta ST3
now I’m 28 the Fiesta ST3 would have been £400, but sold it and a GR Yaris is £210. So perhaps modern cars can be cheaper at my age? Or there are no statistics for brand new cars.
But insurance is all about how many profiles you fit into, if Renault Clio is the most crashed car by 23-26 year old around Oxford. And you live in Oxford and drive a Renault Clio then you fit that profile thus your insurance will rise. If 200 people who work in retail have accidents, vs 150 nurses a year then if you work in retail you will pay more. (I’ve simplified it down).
I found riding a motorbike also appears to make it slightly cheaper as well. Only by a small amount but all the small factors added up positive or negative can create a large difference in the amount of the renewal
Car
Experience
Location
Job Title
Car and Experience are some what tied together I’m 28 now and almost any performance car only raises the insurance by £10s rather than £100s
Location is something that seems to be a base factor, I seem to get 30% cheaper quotes living in Shropshire, than Doncaster
Job title, this appeared to bring my quote down by £20-£50
24-25 was when I noticed it but I think that’s when I bought a hot hatch, so I noticed it wasn’t as bad as I thought. I think my insurance has gone £800(24), £700 (25), £500 (26), £450 (27) all with a Fiesta ST3
now I’m 28 the Fiesta ST3 would have been £400, but sold it and a GR Yaris is £210. So perhaps modern cars can be cheaper at my age? Or there are no statistics for brand new cars.
But insurance is all about how many profiles you fit into, if Renault Clio is the most crashed car by 23-26 year old around Oxford. And you live in Oxford and drive a Renault Clio then you fit that profile thus your insurance will rise. If 200 people who work in retail have accidents, vs 150 nurses a year then if you work in retail you will pay more. (I’ve simplified it down).
I found riding a motorbike also appears to make it slightly cheaper as well. Only by a small amount but all the small factors added up positive or negative can create a large difference in the amount of the renewal
Got renewal quotes through for the now scrapped Daihatsu Shed. £102, but subject to a minimum premium of £112. 
In the last decade, I've been able to mirror no claims for any 4th, 5th, 6th car onwards. On average I've not paid more that £2-300 and the most expensive car quoted was £380ish for a WRX STI.
In the last decade, I've been able to mirror no claims for any 4th, 5th, 6th car onwards. On average I've not paid more that £2-300 and the most expensive car quoted was £380ish for a WRX STI.
Got renewal quotes through for the now scrapped Daihatsu Shed. £102, but subject to a minimum premium of £112.
In the last decade, I've been able to mirror no claims for any 4th, 5th, 6th car onwards. On average I've not paid more that £2-300 and the most expensive car quoted was £380ish for a WRX STI.
In the last decade, I've been able to mirror no claims for any 4th, 5th, 6th car onwards. On average I've not paid more that £2-300 and the most expensive car quoted was £380ish for a WRX STI.
Mine seems to be £550-ish no matter what I'm insuring. My current car is around that price, I just ran quotes for a brand new M8 Competition (£120kish value) and 911 Turbo S - both came in at £560. Just to see how silly it would go, I ran the numbers for a Ferrari 488 Pista Spider - that one had an effect, the premium jumped to £3.2k! I guess most people looking to insure a Pista wouldn't be mooching around on Confused.com though... 
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