Car insurance - ripoffs

Well I just let an auto renewal go through for £30 more than last year, it's gone up from £330 to £360 or thereabouts.

I ran through a quote on confused.com and my current insurers were £60 cheaper. I was all set to do the old "set up a new policy online and cancel the renewal over the phone", but when I was doing the final checking I realised that my confused account was including my old address and we'd moved during the year. After I'd corrected it, my current insurer weren't quoting at all. I've only moved 1 mile, from a quiet cul de sac to another quiet cul de sac.

I'll take the price hike, LV don't charge for green card, have a reasonable loading for mods, and hopefully we can get some European trips this policy year.
 
Jez said:
The fact that you mention trim/options makes me wonder if you are declaring these as modifications/non standard equipment to the insurer hence the sky high premium?

I mean wow...i do live in a low risk area, but @35 a 330d would likely draw a premium of around £300.....
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No, just type in the number plate and leave everything as is :(
 
MrRockliffe said:
Most likely related to the fact I've only been driving for a couple of years :( Even so, it's a hell of a jump! My current insurance on a Fiesta is £600.

That being said, I'm 25 and live in a nice area. Same car insured at my fathers is about £1000 a year. Crazy difference.

Must be a few car thefts around here of BMWs in particular? :p
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BMWs always get a higher premium. I'm told they have the worst stats out of everything. Certain specialist insurers/brokers refuse to insure ANY BMWs as it pushes premiums up for all customers.
 
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Aviva wanted to bump my premium up by an extra £200 for my 2017 Golf R. That's with no claims being made and an extra year of NC being added on. They then quoted me £1300 for the 2018 TTRS I am picking up next week. Admiral quoted less than half that (yes, with all the options listed).
 
MrRockliffe said:
For a laugh, I checked insurance on a 2014 Cayman and it's comes out at £1100, albeit with a higher excess :confused:
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I've found insurance just bizarre - some stuff I wouldn't expect to be expensive is crazy other stuff that I'd expect to be high is pretty normal.

I looked into getting a GT-R expecting the insurance to be £LOL and it would only cost me £500/year while various warm through to performance Audis were like £2-4K while I can insure a pickup or various performance coupe/saloons for like £380 but a little eco 1.0L they want £1600.
 
Aviva don’t do risk at all.
They keep there prices low by insuring low risk cars and drivers.
 
Honda Civic SR is £50 cheaper to insure than a Honda Civic SE.
I asked why with the SR having fancy 17” alloy wheels etc.
The answer was because there are more SE claims than SRs

duh! That’s because the majority of Civics sold will be SEs
 
SkodaMart said:
The answer was because there are more SE claims than SRs

duh! That’s because the majority of Civics sold will be SEs
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That’s a very common statistical mistake unfortunately. Surely it would make sense for them to calculate the number of claims of an SR relative to the number they provide cover for? And the same for SEs?
 
How about this.
Split from the wife, she was the main user of my car, (I use a van).
I tried to insure my next car and was told I had to start over with NCB. (My ex had taken the NCB for our existing vehicle).
I then went through my claims history - none and was informed that I had to disclose a non-fault accident my wife had had because the policy was in my name :mad:

Talk about being screwed both ways...
 
Rroff said:
I've found insurance just bizarre - some stuff I wouldn't expect to be expensive is crazy other stuff that I'd expect to be high is pretty normal.

I looked into getting a GT-R expecting the insurance to be £LOL and it would only cost me £500/year while various warm through to performance Audis were like £2-4K while I can insure a pickup or various performance coupe/saloons for like £380 but a little eco 1.0L they want £1600.
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My Elise costs me £260 (a car with no TC, airbags, etc), the cheap Twingo I use for going to work costs £300.

The sort of thing you see most people leasing/renting are going to be the worst I guess.
 
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My Z4 costs me £230 and my berlingo costs £450.

I get that though tbf.
Berlingo is 17,500 miles business use.
 
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bainbridge said:
Well I just let an auto renewal go through for £30 more than last year, it's gone up from £330 to £360 or thereabouts.

I ran through a quote on confused.com and my current insurers were £60 cheaper. I was all set to do the old "set up a new policy online and cancel the renewal over the phone", but when I was doing the final checking I realised that my confused account was including my old address and we'd moved during the year. After I'd corrected it, my current insurer weren't quoting at all. I've only moved 1 mile, from a quiet cul de sac to another quiet cul de sac.

I'll take the price hike, LV don't charge for green card, have a reasonable loading for mods, and hopefully we can get some European trips this policy year.
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Always worth trying to negotiate with your current insurer.

I've found in the last few years that most insurers have become wise to the renewal game and my existing insurer has been the cheapest, despite running through the various comparison sites. However - much to my surprise - when I've rung them and said I'm considering going elsewhere, they have still lowered my renewal premium.
 
Rroff said:
a little eco 1.0L they want £1600.
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Probably because those are the sort of cars that get driven by new drivers and/or people that take less care of them compared to nicer cars. Also some of them doubtless have poor crash protection meaning the chance of sky high personal injury claims (remember it's injuries which really burn insurers, vehicle repairs are quite efficient and they all have deals in place with network repairers etc so a repair would typically be in the hundreds or low thousands, whereas injuries easily run in to five-figures and beyond).
 
HangTime said:
Probably because those are the sort of cars that get driven by new drivers and/or people that take less care of them compared to nicer cars. Also some of them doubtless have poor crash protection meaning the chance of sky high personal injury claims (remember it's injuries which really burn insurers, vehicle repairs are quite efficient and they all have deals in place with network repairers etc so a repair would typically be in the hundreds or low thousands, whereas injuries easily run in to five-figures and beyond).
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Mind you looking at the MOT history of some of these kind of vehicles, though they by no means have exclusivity on it, might explain some of it which probably goes along with people taking less care of them. For instance one I looked at awhile back less than 5 years old and a dozen brake advisories and/or fails where it has obviously been bodged just enough to get through the next MOT and/or they've found somewhere else that for whatever reason passed them, etc. or on a YT video of a crash recently a 206 with dozens of fails and advisories and was an accident waiting to happen.

While it still happens with nicer vehicles it is a bit less likely to happen and I guess insurance companies factor that in.
 
Defo recommend sorting car insurance 21 days in advance.

I got some good quotes early but procrastinated and wanted to drive down prices even more.

Sorted it a week before but sadly the quotes were more then I initially were getting from comparison sites. About £100 or so more.

Ended up just sticking to current provider in the end, their renewal quote was poor and managed to get them to reduce it with some tweaking to mileage and excess.

Saved myself around £400 but had I gone with the initial comparison quotes I could have saved a further £100 and got more bang for Buck.

I know for next year don’t procrastinate
 
Mr_Cool said:
Defo recommend sorting car insurance 21 days in advance.

I got some good quotes early but procrastinated and wanted to drive down prices even more.

Sorted it a week before but sadly the quotes were more then I initially were getting from comparison sites. About £100 or so more.

Ended up just sticking to current provider in the end, their renewal quote was poor and managed to get them to reduce it with some tweaking to mileage and excess.

Saved myself around £400 but had I gone with the initial comparison quotes I could have saved a further £100 and got more bang for Buck.

I know for next year don’t procrastinate
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Quotes are usually valid for 30 days, though. So you could have either used the reference number for the original quote, or just called the insurer up and ask them to retrieve the quote from date X.

It's farcical that quotes jump up closer to renewal date - I understand they are basing it on modelling of what the majority are likely to do, but if you had an original quote 21 days in advance then you fall into the lower risk category and there's zero reason for the price jumping up just because you re-quote a few weeks later.
 
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