Record rise in insurance costs

I can't wait for the day I have insurance around £500. I'll be 26 next year and even without my ban I'd be lucky to get the MX5 insured for close to that with 5 years NCD and nothing else to declare. It's probably because my name is a bit immigrant like or something, it's not like I live in the center of Manchester or anything for my postcode to have quotes up to and over double most like for like people. Finger in the wind or do insurance companies use data about people they don't necessarily declare? I find it a struggle every year anyway.
 
After days of tweaking and clicking, as of this morning finally got AXA to offer me full comp protected NCB policy with commuting included for £400 less than my original heart attack inducing renewal quote.
I realized two things in the process though. One - calling people up no longer seem to secure any kind of discounts or deals - looks like this year most insurance companies, including "finders" like motor quote direct and others - just literally sit there in front of the same website and input your details rather than serve as "broker" or actively try to find best deal for your circumstances.
Two - finding insurance shouldn't be that much work. It is crazy that you have to make it almost your hobby for 7-10 days and type your partial details into 100's of spam generators and tweak around to find quirks in database search just to get semi-decent policy cover. Then you have to check each quote 10 times over to make sure they didn't try to implement some "cleverness" - like hiking your excess to himalayan levels, excluding NCB protection, or limiting your mileage to something stupid. I really don't have time in my life for stuff like this. This **** has to change.
 
Thought I'd bump this rather than having my own insurance whinge thread..

As I still have my Fiesta and the policy is due to expire, I have spent hours on the phone trying to get the best quote however I cannot beat £750 TPFT with a £250 excess. This is based on 3 years no claims bonus, 3 years experience, ownership of the car for two years, kept on the drive with less than 7500 miles with me as the registered keeper and only driver. **** that for a laugh. Looks like the car is going on the drive when the policy runs out on the Sunday...
 
Morals are an expensive thing to maintain. Not sure i'd bother in your situation, that price is hurrendous!
 
[TW]Fox;17605888 said:
Sub £500 insurance is great, especially on a Group 17 car at 26 with less than perfect amounts of NCB :)
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Have you renewed without having to declare your accident yet? Did it make much of a difference?

Hoping for a decent reduction next year, as my accident wont have to be declared and Ill be over 25. Only paying £350 now mind you so it may make no difference at all!
 
Jez said:
Morals are an expensive thing to maintain. Not sure i'd bother in your situation, that price is hurrendous!
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Peerzy said:
You drive a Fiesta and own a baseball cap.

GU22 9AL should do you wonders :D
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I'm easily caught out. Lived in the same house for 23 years, everything is registered to my address in HA8 and it would look mighty suspicious.

Postcode is the only factor, after speaking with a broker at Sky Insurance, he was also shocked at the prices. Changing to something like PO21 more than halves the price and brings things like a Focus ST into the realm of insurability.

Only solution is to move out or get a girlfriend in a good postcode area :p
 
I know of people doing much worse than changing a post code. It depends as you take a risk - don't need to claim then nothing will ever go wrong. Need to claim and you might be in the turd!

Grandparents/family post codes no good?
 
Some shockingly high quotes in here. Just got my renewal from One Call and they increased my premium by £200 for no reason. Last year £174 (43 year old male, fully comp, 11 years NCB, 99 Focus TDDI estate) this year they wanted £374. They also claimed that this was the best price they could find for me. Straight onto Go Compare and got a quote from the AA with exactly the same cover for £172. Needless to say i took it and phoned One Call to tell them i was'nt renewing with them. They could'nt understand why as it was a competitive quote. Yeah right.
 
Peerzy said:
I know of people doing much worse than changing a post code. It depends as you take a risk - don't need to claim then nothing will ever go wrong. Need to claim and you might be in the turd!

Grandparents/family post codes no good?
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Nearest family are 90 miles away so it's totally impractical. It's either suck it up or move.
 
Just got my renewal letter, not looking forward to it at all! Paid £445 last year for 3rd party/fire & theft. My renewal quote was £1057!!!

Best start shopping around.
 
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