More insurance woes - 20% increase expected in 2012

Just got my renewal this week and its come down from £64pm to £52pm. Ill phone around but its quite decent.
 
Mine's looking cheaper so far, but I've only been driving for a just under a year now. Bizarrely I used to have a 2001 1.6 Focus for which my insurance was £1400 ish - I'm 29, but knew it'd be expensive for a while. I've just bought a 2009 1.6 Fiesta MK7 which is clearly worth a lot more money and my premium is exactly the same. Also checking around for renewal quotes it looks like next year will only be around £900 so that's not so bad :) Especially considering I'm doing 30k+ miles a year.
 
aproctor said:
Pay in one go and it will be even cheaper.
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Got quotes for the wifes Leon and Swinton were cheapest. Went to website and it was set to monthly payments. I wanted to pay in one go.

This raised the premium from £270 to £355. It was £345 payable over the 12 months. Thought this was very bad form.

Green Insurance Company was 2nd highest but read some real horror stories on the web - although almost all insurance reviews on the web are horrible.

My concern is that do the insurers really care about these claims? Is it just an excuse for them to increase our premiums?

Why is it so hard to tighten up the claims procedure? If you want to claim, two independent doctors reviews and the doctors review is annonymous.
 
[TW]Fox;18904064 said:
Just got a quote - my renewal is due in 2 months.

£429, so it's only gone up by 20 quid.

£662 if I change to a Group 19 335i, and £618 for a 330i.

Can't really complain at that.

Interestingly if I get a quote for my current car - which it wants £429 for - but say I have only just bought it, it's £150 more expensive.
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With who may I ask?
 
bledd. said:
iirc, owning the same car for over 3 years makes a pretty big difference (in lowering) to your renewal quote
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Didnt work for me this year :( Mine went up £30 this year! Not so bad. But would have hoped it went down, although did get protected ncb this year. Although looking at this thread doesnt look to do much!
 
My 2.0 Tsi scirocco cost £320 in 2009, £420 in 2010 and £600 this year! No change of circumstance, I've got max no claims and I'm in my mid 30's. All if these rises are making the customer car scheme at work look more and more appealing!

Oh. And those quotes were pretty much always the lowest I could find too. Pah!
 
Paying hardly anything (£500ish) to insure my S430, did a quote the other day to include it into a multicar and it came to around £450. So going the right way for me still.

(25yo 4NCB 3points 1 claim)
 
[TW]Fox;18904064 said:
Just got a quote - my renewal is due in 2 months.

£429, so it's only gone up by 20 quid.

£662 if I change to a Group 19 335i, and £618 for a 330i.

Can't really complain at that.

Interestingly if I get a quote for my current car - which it wants £429 for - but say I have only just bought it, it's £150 more expensive.
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Did you try a classic car insurer? 10 years old now yours isn't it?

edit: sorry think it has to be 15..
 
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I'm 25, and I have 4yrs NCB and 0 claims.

I just renewed my z4 3.0i for another 10 months to the tune of almost £750 with Admiral. I only do about 6k/miles per year. A quote at 10,000 was another £200 quid.

That's about £150 more than last year, but I did add protected no claims, and a female driver under 25.

Shopping around for other quotes resulted in £1200+ everywhere for just me on the policy, with no protected no claims - Adrian Flux pretty much laughed at me down the phone when I suggested over a grand was a bit of a joke.

I remember when I was 17, and I thought to myself that one day I wouldn't have to pay crazy insurance costs on cars, and dreaming of the day I was 25 and insurance would be cheap.... looks like it's not going to happen :(

Also, every time I renew or get a new quote with Admiral, they always ask the value of my car.. so I always give them what it would cost me to get a replacement - so this year I said £9,000. As soon as you've told them that - they reply saying "oh, that's not the book figure we have here - we have £6,000". At which point I politely point out that there isn't a single car for sale at that price, to replace this car would cost £9,000. To which they reply "Oh, Ok - we'll put £9,0000 in". Now I'm guessing they record these calls, and I'm also guessing that if you make a claim they'll go back over them - and at this point if you don't pull them up on under valuing your car then you're going to get owned if they ever have to pay out?
 
well i did a quote last night, and despite all these doom and gloom stories, it has dropped nicely.

Was £1200 last year, £870 this year. If i change the NCB from 1 to 3 and remove the fault claim it only makes £150 of difference! Puts the whole trying to keep things out of insurance into perspective when it only costs that little more.

On the other hand, my gf with 4 years NCB and no claims ever has had a 35% increase in insurance on her 2003 1.2 Micra, and can't find it anywhere as cheap as last year!
 
I thought my insurance was going to go up by a fair amount this year, good ol' Bell to the rescue though, £496 I've just paid for my insurance on my R26R, 23yo, 6rs NCB etc
 
That's just not fair, my MR2 is more than the R26R to insure at similar age, but a bit less NCB :(
 
Last December was an interesting one for me with insurance. I didn't manage to knock much off my renewal price (I got £26 off in the end) but I did have more luck with getting extras thrown in such as protected no claims.

Can't really complain at £430 fully comp with unlimited miles & unlimited business use plus free future modifications (with a few restrictions) should I want to do any.
 
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