Massive Car insurance costs?

Raymond Lin said:
My just came today.

Last year £283
Renewal £313

Phew!!! Dodged one there!

With Churchill.
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That's a great price. Whats your annual mileage and value of car. I remember you have a C30 t5.

I understand location has a massive impact too.
 
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kona786 said:
That's a great price. Whats your annual mileage and value of car. I remember you have a C30 t5.

I understand location has a massive impact too.
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Still the same car, and I normally declare 10,000 miles a year but in the last few years it's more like 3-5k miles a year.

I don't live in a big city so i guess that helps a lot.
 
thewanted said:
What’s the most reliable way to get the current value of your car for insurance purposes?
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Just use a combination of sources. https://hpivaluations.com and looking on Autotrader.
The key thing is you need to be able to replace it with something equivalent. If your car has a lot of options / high trim level then be wary of getting a lowball settlement. I remember a couple of years ago you couldn't get an equivalent of our car (i.e. same trim, not older, not more miles) for anywhere near the typical valuation.

Raymond Lin said:
I normally declare 10,000 miles a year but in the last few years it's more like 3-5k miles a year.
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I was really surprised how big a difference mileage made to premiums. Was expecting it to just knock a few quid off but dropping the mileage reduced premium by like 15%. I'd try running some quotes for 6k miles and compare to 10k.
 
HangTime said:
I was really surprised how big a difference mileage made to premiums. Was expecting it to just knock a few quid off but dropping the mileage reduced premium by like 15%. I'd try running some quotes for 6k miles and compare to 10k.
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Also worth tweaking job description, can save a fair bit - obviously still needs to be relevant but if you've got something vague, you can play around.

On a sidenote, in my first few years of driving, I got a decent reduction in my insurance by actually increasing my mileage per year - I just don't get the algorithms sometimes.
 
Your insurances in the UK seems bonkers. I pay something like 60-65 pounds converted from DKK per month for my Seat Leon and is covered 25000km a year, I have 0 self pay for damages causes by others and 250 pounds converted if I am at fault(but only to my own car, others are covered with no charge to me), no matter who drives the car if something happens to them and they get disabled then they are covered, if my windows get a chip or is destroyed then its covered for free unless its the front then I have to pay the first 120 pounds myself but only if its a complete replacement and it can't be repaired. Anything can happen to it, don't matter, the insurance takes care of it, heck almighty God could decide to smite my car and its covered. The price has been the same for my old car ever since i got that and my new one only increased the price due to increase in horsepower by around 15 pounds.
 
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Phixsator said:
Your insurances in the UK seems bonkers. I pay something like 60-65 pounds converted from DKK per month for my Seat Leon and is covered 25000km a year, I have 0 self pay for damages causes by others and 250 pounds converted if I am at fault(but only to my own car, others are covered with no charge to me), no matter who drives the car if something happens to them and they get disabled then they are covered, if my windows get a chip or is destroyed then its covered for free unless its the front then I have to pay the first 120 pounds myself but only if its a complete replacement and it can't be repaired. Anything can happen to it, don't matter, the insurance takes care of it, heck almighty God could decide to smite my car and its covered. The price has been the same for my old car ever since i got that and my new one only increased the price due to increase in horsepower by around 15 pounds.
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Doesn't sound all that different to insurance over here unless I'm missing something.
 
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tom_e said:
Doesn't sound all that different to insurance over here unless I'm missing something.
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Maybe I'm missing something then, but I've seen several from the UK complain about insane increases to their car insurance by like 30ish%, dunno if it's because they are driving EVs and the current blipstorm about them.
 
Just got mine...

Car Renewal..£536

Found better price through compare..£286

What a big difference!! And, its with the same insurer!!! Churchill!!!! Exactly same info. Nothing changed!!!
 
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Just Eat delivery driver did a hit and run on my sisters car whilst parked up. Got him in the end via neighbours camera and contacting Just Eat.

Guess how much that damage will cost to repair.

uc
 
kona786 said:
Just Eat delivery driver did a hit and run on my sisters car whilst parked up. Got him in the end via neighbours camera and contacting Just Eat.

Guess how much that damage will cost to repair.

uc
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Done properly through insurance I reckon you're looking at £3k+
 
tom_e said:
Done properly through insurance I reckon you're looking at £3k+
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My thoughts too.

We chose to get it done via MINIs official repair center. Got a call from sis yesterday and she said the bill was £6k. New bonnet etc. Outrageous cost. I can see now why premiums are so inflated.
 
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kona786 said:
My thoughts too.

We chose to get it done via MINIs official repair center. Got a call from sis yesterday and she said the bill was £7k. New bonnet etc. Outrageous cost. I can see now why premiums are so inflated.
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Rip off merchants. Prob a lot of pocketed money with that price!!
 
That's a mental price for the repair. I was expecting half that for an expensive price.

Insurance renewal came in, £650 up from £430. So we've cancelled and are going elsewhere for identical cover at £415. Told them the price and they were confused why we didn't accept their counter offer of £460...
 
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Ryan-3 said:
That's a mental price for the repair. I was expecting half that for an expensive price.

Insurance renewal came in, £650 up from £430. So we've cancelled and are going elsewhere for identical cover at £415. Told them the price and they were confused why we didn't accept their counter offer of £460...
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Good job.


Here's the quote. Doesn't include the loan car.

uc
 
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