Car Insurance renewals

I just renewed the insurance in my 335i with eSure, renewal was around £518, £5 more than last year, did a few comparison sites and could only get around £10 cheaper so called them up and managed to renew for £428.

Biggest drop for me was the excess, I had zero excess which for me was the cheapest last year, increasing to £50 actually increased the quote but increasing to £100 dropped the price by some £60. So worth calling and asking them to try a few quotes to see how it affects the price.
 
My insurance in Stoke (bad postcode) for my RS6 was almost £1k a year. I moved to a place in Norfolk with an excellent postcode and my insurance auto-renew dropped to £600-ish, then with phone call and a bit of asking/quote-matching etc I've got it for just under £500. The postcode makes a huge difference!
 
ianh said:
My insurance in Stoke (bad postcode) for my RS6 was almost £1k a year. I moved to a place in Norfolk with an excellent postcode and my insurance auto-renew dropped to £600-ish, then with phone call and a bit of asking/quote-matching etc I've got it for just under £500. The postcode makes a huge difference!
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£1k doesn’t seem that bad for an RS6 but ~£500 is very good.
 
JonRGV250 said:
Some of these quotes seem a bit unreasonable, surely it's down to postcode/career as opposed to the car?
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Car make/model also plays a factor in insurance's magical algorithm.

It makes sense from a theft point of view - more desirable cars are likely to get stolen more. But definitely seems unfair to penalise drivers based on other drivers with the same car having accidents.
 
The reason the make/model of car makes a difference is to do with repair costs. If a certain model costs more to repair, the insurance is higher.

Also, newer cars tend to be less expensive as they have more safety functions e.g. auto braking etc which inherently makes the car less likely to be involved in an accident.
 
Final price for me was £540 after adding on a windscreen claim from last year and the fact I have a towbar. I assume this 150% increase is down to the fact they can no longer rip off people who can't be bothered to shop around, so those of us who do put in the effort now have to pay for their laziness :mad:

I found it amusing that Admiral offered me a black box policy, wish I was still young enough for that to actually be a realistic proposition :cry:
 
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Renewed my 2016 430d this week, 1 year NCB, fully comp, windscreen cover etc for £440
That's with a £350 excess.

£530 last year but 1st quote from renewal was £520 so declined. Immediately came back with an offer of £440, why not just offer that to start with!

Wife's 1.2tsi fabia insured at the same time came in at £174 although she has 6 years NCB
 
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Quite disappointed with comparethemarket.com did a quote the other night, only 2 came back quoting £7k and £9k lolwot

Renewed in the day with current insurers, got a decent price despite recent accident, then in the evening, 24 hours after first 2 quotes, all the rest came through from the meerkats, not better than renewal, but still bit crap waiting that long :/
 
LizardKing said:
Not at all, my 3l tt is cheaper to insure than my diesel 2.2l, there are many circumstances that affect the price, sure one thing can be the engine size, buts its not a given.
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Same here - 3L V6 cheaper (though not by much) than a 2L TDI usually. Things can get kind of funny around the 1.2-1.5 mark and ~1.6 is often in a kind of no man's land.

Depending on vehicle some of the 3.2-3.8L are even cheaper again - one of the cheapest cars, outside of certain hatchbacks, for me to get insurance on is actually the Nissan GT-R LOL whereas the performance Audis flip that on its head and are nearly 10x as much!
 
Semple said:
definitely seems unfair to penalise drivers based on other drivers with the same car having accidents.
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It's about statistics. If car X is proportionally involved in accidents then for whatever reason it is statistically more likely to lead to claims, maybe the reason it is having accidents is because it has worse safety features than other cars, maybe it is less visible, maybe it is the sort of car that gets bought by people with a propensity to take risks on the road etc.

Having accidents is only half the story anyway, as mentioned some cars will carry higher repair costs and then there is TP personal injury to consider. An old Volvo might be cheap to replace but it also might wipe someone out in an accident.
 
Just paid for my yearly insurance renewal on my 2019 Smart Fortwo, I have 7 years no claims and it came to £ 166 fully comp. The service fee goes up £2 each year.
 
Rather than start a new thread thought I'd bump the first one that seemed relevant.

I assume insurance has been going up across the board lately? Renewal time again (Mazda 6 '17 plate) and the offer came through from my current insurer Aviva at £264, up from £219. No surprise, as we all know it's usual for insurances to go higher when letting them passively renew. So jump on the comparison sites as always to find a lower quote to haggle them with and....the cheapest one that came up was £345! :eek:

Now that's the first time I've ever had that happen, where the comparison site isn't cheaper with someone, but so much higher seemed odd to me. Also, nearly all the top quotes are with companies I've never heard of before, things like Geoffrey Insurance, Policy Expert, Marshmallow, Flow....none of the usual ones I'd see like Hastings, Aviva etc.

One thing I did spot though which went against the grain, is the comparison site also threw up a quote for my, now sold, 350Z ('05 plate) and that was the cheapest I had ever seen at £180.
 
The law changed recent enough that only now are a few of us seeing it play out - the whole renewal price should be the same as a new Customer price has just meant everyone pays more.
 
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