Insurance Being Difficult Changing Car
Discussion
Hi All,
Long story short, having problems with my current car and looking to change.
I'm 19, current car is Citroen DS3 1.6T - insurance group 22 I believe.
Not going to name and shame company however I will say they are a broker. Phoned up and told them the situation, said I wanted to change the car, and gave them the reg of my uncles volvo c30 - 1.8 insurance group 21, gutless compared to what I currently have.
Was told that they wont insure me on it as it is a high performance car and I do not have enough experience.
Then started browsing classifieds, gave them the reg of a 1.4 civic type s, told the same thing. Followed this with a 1.4 corsa out of interest
£350 a month.. WTF?
I currently pay 200 a month due to points - silly I know, wasn't in position to change my car at the time so had to go with it.
Anyone got any ideas what to do?
Long story short, having problems with my current car and looking to change.
I'm 19, current car is Citroen DS3 1.6T - insurance group 22 I believe.
Not going to name and shame company however I will say they are a broker. Phoned up and told them the situation, said I wanted to change the car, and gave them the reg of my uncles volvo c30 - 1.8 insurance group 21, gutless compared to what I currently have.
Was told that they wont insure me on it as it is a high performance car and I do not have enough experience.
Then started browsing classifieds, gave them the reg of a 1.4 civic type s, told the same thing. Followed this with a 1.4 corsa out of interest
£350 a month.. WTF? I currently pay 200 a month due to points - silly I know, wasn't in position to change my car at the time so had to go with it.
Anyone got any ideas what to do?
What a kick in the balls.You've taken out a policy on a car. Now you want to alter the contract and move the goalposts by changing the car and thus changing the contract. They have every right to refuse or to adjust the premium upwards.
You may think the cars you're thinking of changing to are a lower risk, but their stats might show otherwise.
You may think the cars you're thinking of changing to are a lower risk, but their stats might show otherwise.
TwigtheWonderkid said:
You've taken out a policy on a car. Now you want to alter the contract and move the goalposts by changing the car and thus changing the contract. They have every right to refuse or to adjust the premium upwards.
You may think the cars you're thinking of changing to are a lower risk, but their stats might show otherwise.
This.You may think the cars you're thinking of changing to are a lower risk, but their stats might show otherwise.
Just by buying a new car increases the chances of you claiming (in the insurers eyes). Grouping is a lot less relevant than it used to be, and different insurers go by their own experience.
You'll need to weigh up the option of cancelling your current policy and loosing ncb to move somewhere cheaper, or sitting it out and paying more -although your broker should do this. Or spend the money you would spend on insurance in fixing your car!
Can't say I'm unduly surprised that they wanted a lot more for the Corsa.
Many young drivers have small Fords & Vauxhalls & consequently a disproportionate amount of claims for Ford & Vauxhall result, hence the high prices. That's going to be much the same with any car popular with young drivers.
When mine started to drive it was a case of small Peugeots or Renaults - the 205 & the Clio - to get vaguely sensible quotes.
Went through all this when my sons started driving at 17 in the early noughties.
Some insurers don't want to insure young drivers - period, but instead of saying so they give a silly price. £5k for a 998cc Metro was one we had & that was 2001.
The Volvo is a big heavy car & the insurance co are probably contemplting the potential damage if you hit something.
Your age & driving record are not in your favour & you're going to have to do a lot of ringing around. I doubt the general online quote sites are going to be much use due to the computer saying no. You may be better sticking with what you've got - repair it or get another - to improve your rating.
Many young drivers have small Fords & Vauxhalls & consequently a disproportionate amount of claims for Ford & Vauxhall result, hence the high prices. That's going to be much the same with any car popular with young drivers.
When mine started to drive it was a case of small Peugeots or Renaults - the 205 & the Clio - to get vaguely sensible quotes.
Went through all this when my sons started driving at 17 in the early noughties.
Some insurers don't want to insure young drivers - period, but instead of saying so they give a silly price. £5k for a 998cc Metro was one we had & that was 2001.
The Volvo is a big heavy car & the insurance co are probably contemplting the potential damage if you hit something.
Your age & driving record are not in your favour & you're going to have to do a lot of ringing around. I doubt the general online quote sites are going to be much use due to the computer saying no. You may be better sticking with what you've got - repair it or get another - to improve your rating.
Edited by paintman on Friday 3rd February 14:17
WillG said:
You'll need to weigh up the option of cancelling your current policy and loosing ncb to move somewhere cheaper, or sitting it out and paying more -although your broker should do this. Or spend the money you would spend on insurance in fixing your car!
This is what I'd do.You need to work out the cost of cancelling your insurance mid-term, how much a lost year of NCB is worth to you, and set that against the new policy cost elsewhere.
paintman said:
Can't say I'm unduly surprised that they wanted a lot more for the Corsa.
Many young drivers have small Fords & Vauxhalls & consequently a disproportionate amount of claims for Ford & Vauxhall result, hence the high prices. That's going to be much the same with any car popular with young drivers.
When mine started to drive it was a case of small Peugeots or Renaults - the 205 & the Clio - to get vaguely sensible quotes.
Went through all this when my sons started driving at 17 in the early noughties.
Some insurers don't want to insure young drivers - period, but instead of saying so they give a silly price. £5k for a 998cc Metro was one we had & that was 2001.
The Volvo is a big heavy car & the insurance co are probably contemplting the potential damage if you hit something.
Your age & driving record are not in your favour & you're going to have to do a lot of ringing around. I doubt the general online quote sites are going to be much use due to the computer saying no. You may be better sticking with what you've got - repair it or get another - to improve your rating.
Just had to look up a C30 as I thought I had the wrong car... Big and heavy? I really don't think so.Many young drivers have small Fords & Vauxhalls & consequently a disproportionate amount of claims for Ford & Vauxhall result, hence the high prices. That's going to be much the same with any car popular with young drivers.
When mine started to drive it was a case of small Peugeots or Renaults - the 205 & the Clio - to get vaguely sensible quotes.
Went through all this when my sons started driving at 17 in the early noughties.
Some insurers don't want to insure young drivers - period, but instead of saying so they give a silly price. £5k for a 998cc Metro was one we had & that was 2001.
The Volvo is a big heavy car & the insurance co are probably contemplting the potential damage if you hit something.
Your age & driving record are not in your favour & you're going to have to do a lot of ringing around. I doubt the general online quote sites are going to be much use due to the computer saying no. You may be better sticking with what you've got - repair it or get another - to improve your rating.
Edited by paintman on Friday 3rd February 14:17
This sounds like typical broker b
ks. Would not be surprised if it's AF. I'd shop around my self....Hammy98 said:
Was told that they wont insure me on it as it is a high performance car and I do not have enough experience.
Sounds very familiar with an experience i had trying to get insurance on my Fiesta Zetec S a few years ago with an insurer that used to have quite a large partnership with PHMy advise? go somewhere else, this won't be the first or last issue you have with them
Appreciate all the replies.
With regards to what I'm already paying, it was 120 a month pre-points. I stay at home at the moment, the car is paid off and I dont really have any other outgoings so I kept the car.
I've been running separate quotes for the same cars mentioned in my OP through comparison sites and theyre nowhere near what my current insurer is quoting me. Problem is, I don't want to give up my second years no claims by canceling the policy so I'm stuck between a rock and a hard place.
I'm beginning to think theyve arsed up my original quote when I took out the policy, which would explain why literally every other car I've tried is going to cost me more.
Either that or they know theyve got me by the b***s by not wanting to lose my no claims!
Also, when speaking on the phone with them today I pointed out that all the cars I had tried had been lower insurance groups. The lad that was speaking to me then claimed that people tend to have the misconception there is industry wide insurance groups - which isnt the case.
With regards to what I'm already paying, it was 120 a month pre-points. I stay at home at the moment, the car is paid off and I dont really have any other outgoings so I kept the car.
I've been running separate quotes for the same cars mentioned in my OP through comparison sites and theyre nowhere near what my current insurer is quoting me. Problem is, I don't want to give up my second years no claims by canceling the policy so I'm stuck between a rock and a hard place.
I'm beginning to think theyve arsed up my original quote when I took out the policy, which would explain why literally every other car I've tried is going to cost me more.
Either that or they know theyve got me by the b***s by not wanting to lose my no claims!
Also, when speaking on the phone with them today I pointed out that all the cars I had tried had been lower insurance groups. The lad that was speaking to me then claimed that people tend to have the misconception there is industry wide insurance groups - which isnt the case.
Sounds just like the bullst that Brokers use. You need to price up the cost of insurance with 2 years NCB, and the cost of leaving now and starting afresh and make a judgement call on whether it's worth starting again.
I insured a car a few years ago with a broker. They were such a pain in the arse it was unreal... Come renewal I left very quickly....
t that Brokers use. You need to price up the cost of insurance with 2 years NCB, and the cost of leaving now and starting afresh and make a judgement call on whether it's worth starting again.I insured a car a few years ago with a broker. They were such a pain in the arse it was unreal... Come renewal I left very quickly....
I know that with my youngest - 17 in 2002 - that the company that were the cheapest when he was a provisional licence holder and after he passed his test (his first 2 years driving) couldn't get anywhere near the quotes the following year at renewal time (19th birthday) by which time he had held his full licence for 22 months & hadn't had any claims.
I can't recall who it was but I rang them to see if they could price match & they were unable to do so.
I can't recall who it was but I rang them to see if they could price match & they were unable to do so.
Edited by paintman on Friday 3rd February 15:08
Hammy98 said:
Also, when speaking on the phone with them today I pointed out that all the cars I had tried had been lower insurance groups. The lad that was speaking to me then claimed that people tend to have the misconception there is industry wide insurance groups - which isnt the case.
He's absolutely right. There are suggested car groups, but no insurer is obligated to adopt them. Also, something like a Corsa may be a low group car for an middle aged person, but the same insurer might not cover that car at all for a young driver. Whereas they might cover a higher group car for a youngster. Because their stats show young driver + Corsa = trouble. Not unusual for insurers to quote new business low prices to get you on board. Then jumps up at renewal & they rely on people not bothering to shop around as renewal time approaches.
Eldest shopped around & got absolutely 100% identical cover for substantially less than he had been told by the company he was due to renew with. When he rang the old company they were adamant that they couldn't get anywhere near the price. They then asked him who the new quote was with. His reply was 'You.' After a short silence from the other end of the phone their supervisor came on the line & after conceding that the computer hadn't picked up that he was already insured with them agreed that the renewal would be at the 'new business' price.
(ETA I stand corrected on the C30 size & weight. Too used to Swedish - or should that be Chinese - tanks!)
Eldest shopped around & got absolutely 100% identical cover for substantially less than he had been told by the company he was due to renew with. When he rang the old company they were adamant that they couldn't get anywhere near the price. They then asked him who the new quote was with. His reply was 'You.' After a short silence from the other end of the phone their supervisor came on the line & after conceding that the computer hadn't picked up that he was already insured with them agreed that the renewal would be at the 'new business' price.
(ETA I stand corrected on the C30 size & weight. Too used to Swedish - or should that be Chinese - tanks!)
Edited by paintman on Friday 3rd February 15:27
Hammy98 said:
Appreciate all the replies.
With regards to what I'm already paying, it was 120 a month pre-points. I stay at home at the moment, the car is paid off and I dont really have any other outgoings so I kept the car.
I've been running separate quotes for the same cars mentioned in my OP through comparison sites and theyre nowhere near what my current insurer is quoting me. Problem is, I don't want to give up my second years no claims by canceling the policy so I'm stuck between a rock and a hard place.
I'm beginning to think theyve arsed up my original quote when I took out the policy, which would explain why literally every other car I've tried is going to cost me more.
Either that or they know theyve got me by the b***s by not wanting to lose my no claims!
Also, when speaking on the phone with them today I pointed out that all the cars I had tried had been lower insurance groups. The lad that was speaking to me then claimed that people tend to have the misconception there is industry wide insurance groups - which isnt the case.
But what exactly is wrong with your car ??With regards to what I'm already paying, it was 120 a month pre-points. I stay at home at the moment, the car is paid off and I dont really have any other outgoings so I kept the car.
I've been running separate quotes for the same cars mentioned in my OP through comparison sites and theyre nowhere near what my current insurer is quoting me. Problem is, I don't want to give up my second years no claims by canceling the policy so I'm stuck between a rock and a hard place.
I'm beginning to think theyve arsed up my original quote when I took out the policy, which would explain why literally every other car I've tried is going to cost me more.
Either that or they know theyve got me by the b***s by not wanting to lose my no claims!
Also, when speaking on the phone with them today I pointed out that all the cars I had tried had been lower insurance groups. The lad that was speaking to me then claimed that people tend to have the misconception there is industry wide insurance groups - which isnt the case.
cpjitservices said:
But what exactly is wrong with your car ??
Timing chain has stretched and HPFP is on its way out. Theres also excessive carbon buildup on the inlet valves, I realise this can be sorted with a walnut blast, but were talking a grand or more combined with the other issues. Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff