Car Insurance shot up but...

Neil79 · 22 Jun 2010 at 12:51

I received my renewal this morning and my car insurance shot up to 280 from 179 last year which i was not too pleased about . I did an online quote got an insurance result for 189!. Phoned up my car insurance company and complained how much mine had gone up , i thus mentioned the online quote and it turned out to be there sister company. They matched it and result 189

Memphis · 22 Jun 2010 at 12:52

Neil79 · 22 Jun 2010 at 12:53

Memphis said:
K.

Anyone else's shot up this year?

bledd · 22 Jun 2010 at 12:54

Quite often they'll overquote and just rely on the fact that most people can't be bothered to change / look for cheaper

Moeks · 22 Jun 2010 at 12:56

Yes mine went up too, although it went up by more than your insurance cost total in the end. I changed companies, I use a broker now, Chris Knott and I'm happy enough with their price (well I'm not really but relative to what it's possible for me to get I am)

antijoke · 22 Jun 2010 at 12:56

Wow, I'm so greatful you decided to tell us.

/golf clap

Participant · 22 Jun 2010 at 12:58

bledd. said:
Quite often they'll overquote and just rely on the fact that most people can't be bothered to change / look for cheaper

This

Direct Line just did it with my home insurance, the quote came through £80 higher than last year. A 25% discount was applied manually, but only if the customer calls up to reapply it. They must make so much money from people that can't be arsed

.

Neil79 - what car do you drive? I assume you are 30 / 31? That's some cheap insurance.

Howard · 22 Jun 2010 at 13:00

bledd. said:
Quite often they'll overquote and just rely on the fact that most people can't be bothered to change / look for cheaper

Yep I play the "match my online quote as a new customer please kthx" game with Admiral successfully every year!

Neil79 · 22 Jun 2010 at 15:07

Robbie G said:
Neil79 - what car do you drive? I assume you are 30 / 31? That's some cheap insurance.

Citeron Xsara 1.4 5 door , 10years ncb

What shocked me was my mr2 turbo the year before was 340 same company that isn't that far of my new renewal for this slow french car :eek:

Spuderoony · 24 Jun 2010 at 00:24

Elephant charged me £1k for the Z4 last year. This year they, and everyone else, wanted £1400 or more.

After going through a few brokers I've had a few quotes steadily going down into three figures.

Generally they've gone up, but try the specialists, do some work on the internet, and reasonable deals are still available.

rypt · 24 Jun 2010 at 00:36

What annoys me is how certain cars have higher premiums for no reason, an MR2 NA or Turbo are cheaper for me to insure than an FTO, despite the FTO being FWD :/

Guess I'm getting an MR2 to replace my current MR2 when I sell it and get a bike

Janesy B · 24 Jun 2010 at 01:02

rypt said:
What annoys me is how certain cars have higher premiums for no reason, an MR2 NA or Turbo are cheaper for me to insure than an FTO, despite the FTO being FWD :/

Guess I'm getting an MR2 to replace my current MR2 when I sell it and get a bike

What has the FTO being FWD got to do with it? :confused:

x100

rypt · 24 Jun 2010 at 01:05

Janesy B said:
What has the FTO being FWD got to do with it? x100

The fact that I'm more likely to plough an MR car into a something else while going backwards than I am to crash an FTO

FWD cars are inherently slightly more safe for the average driver (which is what insurance quotes are based on) than an MR car of similar power

Lum · 24 Jun 2010 at 12:21

An FTO will be much more costly to repair if you do crash it due to it never having been officially sold in the UK, thus you need to get parts shipped over, need a hire car for longer while you wait for parts etc. etc.

Relentless81 · 24 Jun 2010 at 13:11

This happens all the time on car forums it drive me mental.

Of course the renewal is more expensive, it says on the renewal if you dont cancel they will automatically take the money so if you forget/dont care/whatever, then they make more money, business tends to like the monies.

rypt · 24 Jun 2010 at 13:45

Lum said:
An FTO will be much more costly to repair if you do crash it due to it never having been officially sold in the UK, thus you need to get parts shipped over, need a hire car for longer while you wait for parts etc. etc.

None of which has any real impact on TPFT which is what I was looking at anyway, both are as secure as each other, but one is inherently slightly more dangerous for the "average" driver

ubersonic · 24 Jun 2010 at 15:05

er, don't forget that the FTO has more power than an MR2, that plays a big part in insurance

rypt · 24 Jun 2010 at 15:11

ubersonic said:
er, don't forget that the FTO has more power than an MR2, that plays a big part in insurance

Not an MR2 Turbo it doesn't, which is what I was was comparing as well as an NA one (which is still 175ish bhp, so ahead of some of the FTO trims)

I sometimes really don't get car insurance premiums

Janesy B · 24 Jun 2010 at 15:23

rypt said:
Not an MR2 Turbo it doesn't, which is what I was was comparing as well as an NA one (which is still 175ish bhp, so ahead of some of the FTO trims)

I sometimes really don't get car insurance premiums

Stop trying to work it out. You've tried about 1000 times and failed already.

ubersonic · 24 Jun 2010 at 15:24

rypt said:
Not an MR2 Turbo it doesn't, which is what I was was comparing as well as an NA one (which is still 175ish bhp, so ahead of some of the FTO trims)

I sometimes really don't get car insurance premiums

Oh, well if your comparing the MR2 turbo that was never sold in the UK was it so you would think they would load the hell onto it, crazy :S I just looked into it and an FTO is £400 more for me to insure than my prelude despite being slower and cheaper lol, wierd

*EDIT*

Ive figured it out, the FTO was never sold outside of Japan whereas some versions of the MR2 were sold in the UK, if an MR2 turbo has a non UK part damaged it will have to be shipped from Japan as no UK dealer will stock it. If an FTO has anything damaged it will have ot be shipped over, meaning big expense for something little like a scuffed bumper