Why is my insurance so expensive ?
- Thread starter Fr0dders
- Start date
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Car insurance seems to have flatlined for me now. Even if i project years ahead, £500 seems to be pretty much where it sits for most decent stuff. (Read: 6/8cyl normal cars) Add a couple of hundred for anything really sporty (Ferrari/Porsche/Maserati etc).
There are three exceptions to this rule which i am aware of;
1) Honda S2000's
2) Porsche 996 Gen1's, not Gen2's for some reason.
3) M-Power BMW's
There are three exceptions to this rule which i am aware of;
1) Honda S2000's
2) Porsche 996 Gen1's, not Gen2's for some reason.
3) M-Power BMW's
I paid around £790 for a group 19 car with the 540i, now I'm paying £670 for a group 16 car with the Jag.
26 yo, 4 ncb, license for 8 years, and no points or bans or anything like that. So I guess it's got to be Wakefield...although I don't live in Birmingham I still live within the Birmingham post code area, however my post code is classed as a B risk it seems.
just as an example i used this car to get a quote
http://www.pistonheads.com/sales/1912944.htm
Age 27
5 years ncb
license for 9 years
no points , no ban
bell.co.uk quoted me ... £796.
Changed the quote for LE18 group B rated postcode
£851
WTF !!!
I hate car insurance sometimes.
I used this car (similarish)
http://www.pistonheads.com/sales/1815386.htm
Age 27
5 Years NCB
no points / bans
Group B rated postcode (my old LE18 one)
bell.co.uk quoted me ...
£915
I just cant get the bell site to quote me less than about £800 for anything interesting, no matter what combination of postcode / car / named driver / value etc. i choose.
Its not my age, and this is with clean license and claims and 5 years NCB
I'm stumped. Can anybody else get bell to quote for under £800 for something good at my age ?
Associate
- Joined
- 30 Nov 2003
- Posts
- 2,211
It's not just what group YOUR postcode is in either, IIRC insurers take the surrounding areas into account too.
It has though
My mothers has dropped this year. We changed from RAC to Direct Line and it went down £50 (to £250 ish).
Bell musnt be particularly cheap then.
Cant get it to quote under £800 for anything interesting (ie group 15 +)
Cant get it to quote under £800 for anything interesting (ie group 15 +)
funny enough i'm with chris knott
hope for me yet then in 2 years time
hope for me yet then in 2 years time
Oohh Chris Knott. They just stopped insuring S2000s despite being part of the S2KUK authorised trader scheme.
Too risky for them to insure now, sweeet!
Lets hope they don't decide to stop insuring other potentially risky clientèle..like banned drivers
Too risky for them to insure now, sweeet!
Lets hope they don't decide to stop insuring other potentially risky clientèle..like banned drivers
nope, they were quite happy to give me a very competitive renewal quote this year
Part of the reason they are so competitive is they are always shifting the goalposts. Originally they wouldnt insure anybody on a VXR that was under 21. last year they changed that to under 25 and upset a lot on the VXR forums.
Still, if it keeps prices cheaper than everybody else i'm happy (until they decide i'm too risky
)
Part of the reason they are so competitive is they are always shifting the goalposts. Originally they wouldnt insure anybody on a VXR that was under 21. last year they changed that to under 25 and upset a lot on the VXR forums.
Still, if it keeps prices cheaper than everybody else i'm happy (until they decide i'm too risky
)They would not insure anyone under 25 on an S2000 either, now it's no new S2000 business, renewals only.
Pretty crappy especially considering they seemed to of had a good set up with the owners club members, some of which who ran seriously modified forced induction examples.
Pretty crappy especially considering they seemed to of had a good set up with the owners club members, some of which who ran seriously modified forced induction examples.
Soldato
Currently paying £600 a year, after a couple of years at over £1000.
That's with points (and not for speeding!) and only 2 years NCB, on a 170bhp car. I earned it though, it was hard not crashing my last one
That's with points (and not for speeding!) and only 2 years NCB, on a 170bhp car. I earned it though, it was hard not crashing my last one
That's with points (and not for speeding!) and only 2 years NCB, on a 170bhp car. I earned it though, it was hard not crashing my last one
You've changed your Rover 620 diesel already?!
Soldato
[TW]Fox;17261998 said:
Oh God, don't even go there mate.
Been ******* hell moving out, and yeah things are different
Soldato
Its a pretty flawed system though as it generally only uses the outer part of the post code ie WF1 or in my case TQ2.
TQ2 covers a huge area in torquay and the street where I live is literally on the edge of town with several 600k+ houses with quite a few 50-60k+ cars on the street.
But because TQ2 also covers some pretty high crime areas for car theft my insurance was higher than my previous address which was in the middle of no where with just 3 other houses on the street.