Insurance - what's going on with these prices?

Haggisman

Haggisman

Haggisman

Soldato
Joined
6 Oct 2004
Posts
19,362
Location
Birmingham
Last year I paid £560 (with Aviva). I've just been doing quotes as my renewal is coming up in October and most places are quoting me £1,200+?!
Even with Aviva I'm getting quoted £1,100 with a 28% discount from using their app which monitors your driving.
Cheapest I've found is Hastings Essential @ £750.

I don't think I have any particularly risky factors:

- 32 year old male, living with partner
- average job (software dev)
- licence held for 11 years
- 4 years NCD
- bland/"normal" car (completely standard 2006 Honda Civic 1.8 petrol)
- average postcode (Birmingham so not the best, but far from the worst, even putting in a "good" postcode only drops the quotes by ~£50)

From what I can figure out, the only changes in my circumstances should be "positive":

- Different car - smaller engine/lower powered; should be cheaper, I got a (small) refund from Aviva when I changed from my old 2.3 Mazda 6 sport
- +1 year experience
- +1 year NCD
- +1 year age
- Non-fault accident dropped off (someone hit me September 2011)
- Fault Accident 1 year older (minor bump in October 2012)

So why are my quotes so high? Am I missing something?
 
My best quote this year is £10 cheaper.

Phone up, Aviva and ask what's going on. Or give eSure a shot, 2 years in a row they've offered me the best deal.
 
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May have read it wrong but sounds like your quote is via an app you have been using to monitor your driving? In which case they are using this data to provide you a quote , over and above the standard questions no?

Edit didn't see you had multiple higher quotes. Does sound strange. Tried a requote for your old car to see if there is any difference to last year?
 
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Insurances on both our cars were more this year compared with last. Mine was £135 vs £115. Think Mrs Cheesyboy's was about £200 vs £190.

Generally, it's gone up a bit.
 
Strangely, this year for me, Admiral's automatic renewal price was cheaper than any other quotes I was finding online, and by a fair margin. I still phoned them up and got them to make it even cheaper though, and I was pretty happy with the result.
 
Howard said:
Strangely, this year for me, Admiral's automatic renewal price was cheaper than any other quotes I was finding online, and by a fair margin. I still phoned them up and got them to make it even cheaper though, and I was pretty happy with the result.
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Yeah, Admiral group are really good for me. I'm with Elephant, and I often don't bother shopping around any more. Their renewal prices are good, and a quick phone call knocks a decent extra chunk off too.
 
Tom_ed1987 said:
May have read it wrong but sounds like your quote is via an app you have been using to monitor your driving? In which case they are using this data to provide you a quote , over and above the standard questions no?
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Sort of right, you use the app before you get a quote, and depending on your rating you get a discount: http://www.aviva.co.uk/drive/

I got 8.9/10, so the full 28% discount - doing a quote with virtually identical details but a different surname/DOB (by one day) so that the discount isn't applied puts the quote up to £1,600, so unless they're doing something sneaky with cookies then it is applying the discount correctly.

Tom_ed1987 said:
Edit didn't see you had multiple higher quotes. Does sound strange. Tried a requote for your old car to see if there is any difference to last year?
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Yup, the difference was about £30 more with the old car.

scrivz69 said:
Try Direct line, they were the cheapest for me.
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£1,600 for me :(

Jamesyboyjim said:
Just keep shopping around! certain times of the year affect quotes too for some reason.
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Yeah that's what I'm planning to do! I might get lucky and my renewal will actually be reasonable, but I figured I'd preempt the (almost) inevitable ****take and get some other quotes :p
 
Time for another insurance thread where people throw around figures that have zero correlation to the next guy, the previous guy, or any other guy in the world for that matter :p
 
Perhaps Birmingham?

Mine looks like it's gonna go up (/stay relatively stagnant in a cv35 postcode :() first years no claims and 25y/o too :o
 
Skillmister said:
Time for another insurance thread where people throw around figures that have zero correlation to the next guy, the previous guy, or any other guy in the world for that matter :p
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thats because they just get a monkey to spin a wheel and your quote is just wherever monkey points.
 
Mine was 40% more this year than last year despite no changes in circumstances other than an extra year no claims.

And believe me, I shopped around for ages with everyone possible.
 
Howard said:
Strangely, this year for me, Admiral's automatic renewal price was cheaper than any other quotes I was finding online, and by a fair margin. I still phoned them up and got them to make it even cheaper though, and I was pretty happy with the result.
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Same here for me. Very odd that one.
 
As above, logic doesn't really come into it, just do the regular steps:

Confused.com
GoCompare
CompareTheMarket
MoneySupermarket
Direct Line
Aviva
Zurich

for multicar discount also check

Admiral
Churchill
Privilege

P.S Also haggle and check cashback.

P.P.S tried 3rd party vs. fully comp? Can make a huge difference.
 
joeyjojo said:
As above, logic doesn't really come into it, just do the regular steps:

Confused.com
GoCompare
CompareTheMarket
MoneySupermarket
Direct Line
Aviva
Zurich

for multicar discount also check

Admiral
Churchill
Privilege

P.S Also haggle and check cashback.

P.P.S tried 3rd party vs. fully comp? Can make a huge difference.
Click to expand...

I've never found tpft to be cheaper than fully comp!
 
Changed cars in April from a VW Golf Mark IV to a 2005 Mini Cooper S.

Paid about £450 last year, paid £95 in April to cover the cost of the new car until renewal.

Insured with Admiral, been with them 3 years.

Checked the usual places, quoted £332 from the cheapest.

Rang up Admiral thinking they were going to ask me for around £550-600 for the new car....

Wrong. Initially wanted £987 with 3 years no claims.

With their 'loyalty discount' they got it down the £790.

Unsurprisingly I left them. What a joke.

Went with Adrian Flux in the end, as I'm planning to modify my car in October.

Like many people I've found that insurance companies tend to pluck any old number out of the air, multiply by chicken, and come out with potato.
 
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