Daft insurance prices

Invertigo · 14 Jan 2011 at 22:34

Now, I know I'm young, I know I'll get nailed with insurance. I'm not expecting miracles, but I've just been looking at quotes for a 2003 1.6 Focus 5dr (as I'm looking at buying one this year) and the quotes are just staggering.

I'm currently driving a 1996 1.4 Fiesta Ghia, which is supposedly in insurance group 14. The Focus, is supposedly group 11.

Last year, my insurance was £950. The year previous was £1700, which was my first year driving. Getting quotes this year, I'm seeing £1.8k+ as a minimum. Now, is it just me or is that just...wrong. Double the cost for a car in a lower insurance band, with an extra years driving experience and no claims bonus.

Its doing my head in looking at quotes! So annoying! ....had to get that out

bainbridge · 14 Jan 2011 at 22:37

What is the renewal quote on your Fiesta?

Invertigo · 14 Jan 2011 at 22:38

£1100. Haven't looked at new prices for the fiesta, as I have no intention of keeping it.

ghop · 14 Jan 2011 at 23:14

Insurance prices seem a bit mad at the moment. Last June I insured my 2000 1.6 Focus Mk1 5dr for 950 quid fully comp at 18 (19 soon after) with no NCB and having had my license for 8 months. Hoping the insurance prices will have stabilised again by the time I come to renew! The cost of driving in this country is becoming ridiculous to be honest.

SGWills · 15 Jan 2011 at 08:47

....... Insurance prices wouldnt be so bad if drivers were 1. Providing their own insurance correctly and did not try to work around a system to lower cost and 2.there were more honest people who claimed for just their losses and not forwhat they think they could get.

Turbo-G · 15 Jan 2011 at 08:58

I'm quite surprised a 96 fiesta is insurance group 14 tbh!

Joshy · 15 Jan 2011 at 09:20

Turbo-G said:
I'm quite surprised a 96 fiesta is insurance group 14 tbh!

They introduced a new grouping system a while ago. Instead of 1-20 it is 1-50 now

.

daveydave · 15 Jan 2011 at 13:18

you need to barter. My first renewal in my ST was £710, this year it went up to £880, after 4 calls I've got it down to £697.
Bearing in mind I'm a year older and a set of my points have elapsed it's mind blowing, but it's all being driven by wippy-compo claims.

atpbx · 15 Jan 2011 at 13:43

Turbo-G said:
I'm quite surprised a 96 fiesta is insurance group 14 tbh!

Other than being a rotting death trap, if it has the 1.4 zetec s engine in it, it will be quite quick for a ancient shopping trolly, under 10 seconds to 60, over a 110 mph top speed.

andrewdodd13 · 15 Jan 2011 at 14:20

Check SwiftCover. I was pricing up cars on one of the comparison sites the other day for a 2L Mondeo and it was coming back at £670 3PFT. SwiftCover quoted me £400 for fully comp. I'll definitely be giving them a buzz when I need to swap/renew.

Edit: Also add parents to the policy if you can, adding mine drove it down a fair bit.

Sime · 15 Jan 2011 at 17:02

Not sure what happened with my renewal this year pretty sure ive flooked it cheaper.

Got a letter through the post saying its gone up from £600 to £680. Abit annoying really but possibly to be expected.

After a confused.com in my current address in Teesside I found a cheaper quote for £530 a year. Sweet!

Then out of curiousity I put the address of where I will be moving to in afew weeks (Kingston area) and to my supprise there was 1 at £300 a year! the rest were like £600+

Rang my current insurer and they told me that the Kingston address was a higher risk area than Teesside and my insurance would rise if I used that...Cancelled my renewal with them and jumped onto the cheaper one