Car insurance - Ive seen a reduction!!

[2L8]

After taking the lazy boy route of using search engines for my renewal I was, as many of you were, shocked to be faced with an almost 50% increase despite being a year older and yet another succesful year of avoidance of accidents.

Damn.

Anyway, not being happy with paying £850 last year on my st220, i certainly was not going to cough up £1250 this year (my auto renewal was actually £1300!).

Anyway after taking one of the most competitive quotes off compare the suricate, adding my mum and my grandma (they can now pick me up from the pub) and reducing my mileage as i didnt use my whole allowance from last year, I have actually managed to get it down to £685!!! A saving on last year. yipee.

It really is worth spending a bit of time playing with quotes, its probably the most money i have made in a hour!

[eldar]

My renewal last week was £20 quid cheaper than last year, and cheaper than the renewal sites. Thats never happened before!

[ZOLLAR]

eldar said:

My renewal last week was £20 quid cheaper than last year, and cheaper than the renewal sites. Thats never happened before!

Mmmm thats strange i'll pass the message on and make sure it dosn't happen again next year!, thanks for the heads up.

[AyBee]

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding) decreased my premium even further than the renewal to £250 It's almost impossible to second guess these things!!

P.S. I added the parents last year and saved myself well over £200, wish I'd done it earlier!!

[Colin 1985]

AyBee said:

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding) decreased my premium even further than the renewal to £250 It's almost impossible to second guess these things!!

Thats cheap, I'm 24, 5 years NCB, low risk and the best price I can get for a focus/fiesta is £400+.

Kit car renewal has gone down by about 15% though which was nice.

[DaveL86]

AyBee said:

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding)

Damn that's cheap, I'm 24, 4 years NCB no accidents with a Group 8 car and paying £850 (down £50 from last years £900)

I'm assuming you are female and live in a very low crime rate area?

[2L8]

DaveL86 said:

AyBee said:

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding)

Damn that's cheap, I'm 24, 4 years NCB no accidents with a Group 8 car and paying £850 (down £50 from last years £900)

I'm assuming you are female and live in a very low crime rate area?

Hmmm, thats expensive, Im 25 with a group 16 car and my best quote now is £685 (my licence isnt exactly spotless either), I think with a bit of tweaking perhaps you could see a reduction.

[HellDiver]

Mine's down to £220 from £280 last year. Added the missus to the policy.

She added me to hers, brought hers down from £360 to £320 (oddly an i30 is more expensive to insure than a Mondeo).

[AyBee]

DaveL86 said:

AyBee said:

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding)

Damn that's cheap, I'm 24, 4 years NCB no accidents with a Group 8 car and paying £850 (down £50 from last years £900)

I'm assuming you are female and live in a very low crime rate area?

Male, but living in Cornwall in the sticks, think it's pretty much the lowest risk area you can get according to something I saw a few years ago. I tend just to do a comparison site check every year to see what ball park they're going for and then phone up my current supplier and see if they can match, if not, I switch. Works for me

P.S. If you don't have your parents on, it's well worth the addition. Also helps when I'm at uni because they can keep it running for me

ETA: I'm also only on 6k miles/annum which probably helps quite a lot aswell. I don't know - like I said earlier, it seems to be a complete lottery what people pay for insurance

Edited by AyBee on Wednesday 7th July 01:18

[shirt]

2L8 said:

DaveL86 said:

AyBee said:

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding)

Damn that's cheap, I'm 24, 4 years NCB no accidents with a Group 8 car and paying £850 (down £50 from last years £900)

I'm assuming you are female and live in a very low crime rate area?

Hmmm, thats expensive, Im 25 with a group 16 car and my best quote now is £685 (my licence isnt exactly spotless either), I think with a bit of tweaking perhaps you could see a reduction.

how are you managing this? what car?

I'm 29, 3yr ncb (not accrued any in 2yrs due to driving on a classic policy). 3points 4 yrs ago, low risk area.

best i can find for a group 10 clio with 18k business miles is £680 and that's with an alarm, immobiliser, residential parking and both parents added (saved 50 per parent even though they live in a different county!). the fact i own another an and am named on 3 others doesn't seem to have an impact. this is triple
what I've been paying on my old car which had twice the power.

perhaps the most shocking aspect is that this cheapest quote was from flux!

[Altrezia]

shirt said:

2L8 said:

DaveL86 said:

AyBee said:

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding)

Damn that's cheap, I'm 24, 4 years NCB no accidents with a Group 8 car and paying £850 (down £50 from last years £900)

I'm assuming you are female and live in a very low crime rate area?

Hmmm, thats expensive, Im 25 with a group 16 car and my best quote now is £685 (my licence isnt exactly spotless either), I think with a bit of tweaking perhaps you could see a reduction.

how are you managing this? what car?

I'm 29, 3yr ncb (not accrued any in 2yrs due to driving on a classic policy). 3points 4 yrs ago, low risk area.

best i can find for a group 10 clio with 18k business miles is £680 and that's with an alarm, immobiliser, residential parking and both parents added (saved 50 per parent even though they live in a different county!). the fact i own another an and am named on 3 others doesn't seem to have an impact. this is triple
what I've been paying on my old car which had twice the power.

perhaps the most shocking aspect is that this cheapest quote was from flux!

That's mad..

I was paying £680 on an M5 (E39) last year. I was 26 at the time, with 3years ncb.

[shirt]

I know. I was even getting quotes of £540ish on a bloody ford ka. they're group 2 ffs!

things that annoy me most is that the additional security, off street parking and ownership/use of other cars don't seem to affect the premium. even the fact I'm self employed and need business miles only added 30 quid.

oh, and a quote on a BMW 740i was only £800, but I dismissed it on running costs. piss boiler, I have no idea why I'm being stiffed so badly.

[sherman]

I managed to reduce my insurance this year by £100. from last years price. If I was to pay the inital quote I got through I would have to of payed £200 more than last years price.

[2L8]

shirt said:

2L8 said:

DaveL86 said:

AyBee said:

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding)

Damn that's cheap, I'm 24, 4 years NCB no accidents with a Group 8 car and paying £850 (down £50 from last years £900)

I'm assuming you are female and live in a very low crime rate area?

Hmmm, thats expensive, Im 25 with a group 16 car and my best quote now is £685 (my licence isnt exactly spotless either), I think with a bit of tweaking perhaps you could see a reduction.

how are you managing this? what car?

I'm 29, 3yr ncb (not accrued any in 2yrs due to driving on a classic policy). 3points 4 yrs ago, low risk area.

best i can find for a group 10 clio with 18k business miles is £680 and that's with an alarm, immobiliser, residential parking and both parents added (saved 50 per parent even though they live in a different county!). the fact i own another an and am named on 3 others doesn't seem to have an impact. this is triple
what I've been paying on my old car which had twice the power.

perhaps the most shocking aspect is that this cheapest quote was from flux!

Hmmm, not sure, my car is only used for leisure purposes really, so I dont have business cover on my insurance. A bigger factor though could be miles, since I dont drive to work I can get away with a limit of 5,000 miles, however, doubling that to 10,000 miles only adds around another £100 onto the premium. The biggest reduction was from adding other members of my family as additional drivers.

Edit to say its a mondeo st220.

Edited by 2L8 on Wednesday 7th July 16:38

[Happy Harvick]

Mine goes from about £2000 to about £1200 with Flux . And that's with 10000 miles as opposed to 5000!

[2L8]

Happy Harvick said:

Mine goes from about £2000 to about £1200 with Flux . And that's with 10000 miles as opposed to 5000!

Ive had a quote on a WR1 for the same amount funnily enough. Im tempted!

[M5Tom]

Altrezia said:

shirt said:

2L8 said:

DaveL86 said:

AyBee said:

Me too Although wierdly, having had my renewal back, at about £290, it was £350 last year (I'm 23 and driving a group 7 car with 3 years NCB so not a huge risk), the addition of an accident for both my parents (1 non-fault and 1 car park ding)

Damn that's cheap, I'm 24, 4 years NCB no accidents with a Group 8 car and paying £850 (down £50 from last years £900)

I'm assuming you are female and live in a very low crime rate area?

Hmmm, thats expensive, Im 25 with a group 16 car and my best quote now is £685 (my licence isnt exactly spotless either), I think with a bit of tweaking perhaps you could see a reduction.

how are you managing this? what car?

I'm 29, 3yr ncb (not accrued any in 2yrs due to driving on a classic policy). 3points 4 yrs ago, low risk area.

best i can find for a group 10 clio with 18k business miles is £680 and that's with an alarm, immobiliser, residential parking and both parents added (saved 50 per parent even though they live in a different county!). the fact i own another an and am named on 3 others doesn't seem to have an impact. this is triple
what I've been paying on my old car which had twice the power.

perhaps the most shocking aspect is that this cheapest quote was from flux!

That's mad..

I was paying £680 on an M5 (E39) last year. I was 26 at the time, with 3years ncb.

Who was that with? That's very good........