Massive Car insurance costs?

Mr Gimp · 12 Apr 2024 at 20:59

Oddly my insurance came down by £50 this year, but admittedly I am driving a shed compared to you lot and live in the arse end of nowhere!

Havana_UK · 13 Apr 2024 at 13:57

Wife's RR Evoque went from ~£450 to £900!!!! Shopped around, couldn't find cheaper

Sold it. Bought a newer G31 530d and it's cheaper to insure (though not by much).

My M3 went from £750 to £900

marty6653 · 17 Apr 2024 at 01:24

Havana_UK said:
Wife's RR Evoque went from ~£450 to £900!!!! Shopped around, couldn't find cheaper

Sold it. Bought a newer G31 530d and it's cheaper to insure (though not by much).

My M3 went from £750 to £900

Just out of interest (and I will ask others here), hypothetically, let's say you were offered insurance of £150 per year on the basis that you installed a dashcam and you had to verify this with the insurance company. Would you take up the offer?

tom_e · 17 Apr 2024 at 06:38

marty6653 said:
Just out of interest (and I will ask others here), hypothetically, let's say you were offered insurance of £150 per year on the basis that you installed a dashcam and you had to verify this with the insurance company. Would you take up the offer?

That would be a saving of £650 for something I already have installed so yes, right now I don't declare it if asked because it saves me nothing and could just give them another get out clause if something happened but if the saving was worth it I would.

The_Arbiter · 17 Apr 2024 at 08:19

Mr Gimp said:
Oddly my insurance came down by £50 this year, but admittedly I am driving a shed compared to you lot and live in the arse end of nowhere!

My similar automobile was about £30 more this time, and strangely was cheaper for fully comp, and last time was the opposite.

Havana_UK · 17 Apr 2024 at 08:35

marty6653 said:
Just out of interest (and I will ask others here), hypothetically, let's say you were offered insurance of £150 per year on the basis that you installed a dashcam and you had to verify this with the insurance company. Would you take up the offer?

For me that would depend entirely on the obligations placed on me by the insurance company regarding the dashcam footage. If they only needed it, and could only request it, in the event of a claim then I would. If they could demand any recordings at all, at any time, then no.

Rilot · 17 Apr 2024 at 12:13

Renewal just came through. £260 last year, £498 this year. Same car (Mazda CX5). Direct Line.
Did a quick search on Compare The Market and got it back down to £270. Much better.

PhigBill · 17 Apr 2024 at 12:16

Forget car insurance for a minute, my bloody road tax is now £695 :cry:

..... Ahhh the price we pay to have our toys ey?

throwaway4372 · 17 Apr 2024 at 17:39

Admiral
Last year: £308
Renewal quote: £403

Meerkat site has plenty of options around £250

Anyone know if it's even worth calling Admiral to see if they can do better?

The_Arbiter · 17 Apr 2024 at 22:02

throwaway4372 said:
Admiral
Last year: £308
Renewal quote: £403

Meerkat site has plenty of options around £250

Anyone know if it's even worth calling Admiral to see if they can do better?

Unlikely. But if you have a spare 15mins...
Whenever i ring to cancel these days it seems like they don't even bother trying to better a deal. Just get onto the compare sites, and take a quick look at possible cashback for an additional £20 to £50.

theone8181 · 18 Apr 2024 at 07:30

PhigBill said:
Forget car insurance for a minute, my bloody road tax is now £695 ..... Ahhh the price we pay to have our toys ey?

Needs to be stuck on fuel and road tax/ved should be abolished.

GravyMonster · 18 Apr 2024 at 09:52

throwaway4372 said:
Admiral
Last year: £308
Renewal quote: £403

Meerkat site has plenty of options around £250

Anyone know if it's even worth calling Admiral to see if they can do better?

They probably won't do better, but they will drop your renewal - assuming you get the same outcome I did from them.

bigmike20vt · 18 Apr 2024 at 11:00

throwaway4372 said:
Admiral
Last year: £308
Renewal quote: £403

Meerkat site has plenty of options around £250

Anyone know if it's even worth calling Admiral to see if they can do better?

i am with admiral and every year so far i have got them to lower their renewal with a call.

my insurance is due in a month so i have the dance coming up soon.

Rroff · 18 Apr 2024 at 11:16

throwaway4372 said:
Admiral
Last year: £308
Renewal quote: £403

Meerkat site has plenty of options around £250

Anyone know if it's even worth calling Admiral to see if they can do better?

My guess is if you phone them they will probably come back with the previous years price as the "best" they can do but you never know.

throwaway4372 · 18 Apr 2024 at 14:06

I renewed with Admiral at £370. I got annoyed with the amount of faff involved and didn't want to spend any more time dealing with it.

mattpj · 18 Apr 2024 at 14:24

My quote was extremely similar to last year. 490 to 520.

It’s an increase but not a stinger like some of you got.

Blackjack Davy · 18 Apr 2024 at 14:26

Insurance isn't due for another month no quotes have dropped yet. I'm dreading it

marty6653 said:
Just out of interest (and I will ask others here), hypothetically, let's say you were offered insurance of £150 per year on the basis that you installed a dashcam and you had to verify this with the insurance company. Would you take up the offer?

Hell yes. Why wouldn't you? Its a no brainer

throwaway4372 said:
Admiral
Last year: £308
Renewal quote: £403

Meerkat site has plenty of options around £250

Anyone know if it's even worth calling Admiral to see if they can do better?

Why are you sticking with the same insurer if its so much cheaper elsewhere? Do you think they care if you renew with them or not? Genuinely curious.

throwaway4372 · 18 Apr 2024 at 14:52

Blackjack Davy said:
Why are you sticking with the same insurer if its so much cheaper elsewhere? Do you think they care if you renew with them or not? Genuinely curious.

Lazy / better things to do

LowEndTorque · 21 Apr 2024 at 11:34

Got my renewal done for my car, missus' car and the house. Admiral quoted £1810 on the auto renewal for the whole lot. I got them down to £1675, which was not good enough.
Ran quotes on Compare the Market and Confused. Went with Hastings for the cars and got further discount on the multi cover for cars and Policy Expert for the house. Got the overall down to £1080. Well worth the effort of 2-3 hours.

I have 8 years NCB and the missus has 1 year of NCB. It was a bit funny when negotiating with Admiral, the analyst on the call said if I remove myself as the named driver on the Missus' car then her quote gets reduced by £150. I asked them how does that work since I am more experienced driver added to the policy hence it should be a positive and not a negative. There was no answer to that lol. That's me done for this year, will circle back next year.

Diagro · 21 Apr 2024 at 11:42

LowEndTorque said:
Got my renewal done for my car, missus' car and the house. Admiral quoted £1810 on the auto renewal for the whole lot. I got them down to £1675, which was not good enough.
Ran quotes on Compare the Market and Confused. Went with Hastings for the cars and got further discount on the multi cover for cars and Policy Expert for the house. Got the overall down to £1080. Well worth the effort of 2-3 hours.

I have 8 years NCB and the missus has 1 year of NCB. It was a bit funny when negotiating with Admiral, the analyst on the call said if I remove myself as the named driver on the Missus' car then her quote gets reduced by £150. I asked them how does that work since I am more experienced driver added to the policy hence it should be a positive and not a negative. There was no answer to that lol. That's me done for this year, will circle back next year.

Same sort of number with admiral up from 1050.

It's due to renew on the 27th....

They did drop it down to £1450... but I may contact Hastings and see what they can offer me.