Massive Car insurance costs?

MissChief said:
Exactly. I work in the office 5 days a week most weeks because I'd rather get paid to be warm than pay to be warm.
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i love WFH and minimising traffic on the roads can only be a good thing (i cant really use the reducing my CO2 footprint so much now as we have 2 EVs charged on green energy, but all cars still pollute to a greater or lesser degree)... also if i minimise my miles driving one would think it would minimise my risk of an accident and should reduce my insurance (trying to keep on topic ;) )

however i wont lie........ it is proper cold in my home office, even with a jumper and hot water bottle!.
 
Nasher said:
But heating costs are currently ridiculous. Companies have people work from home so they offload the cost on to them.

I only live 10 miles from work. It's cheaper to drive than get a bus. But at home I'd have to heat and power the house all day. Companies pay for business travel, they should pay for business at home too.
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It's not much though. If you have your heating on during the day, you won't have it working as hard late on. My heating bill was 80 quid last month, for 4 hours a day of gas. Even doubling that is still cheaper then running costs of a car.
 
theone8181 said:
It's not much though. If you have your heating on during the day, you won't have it working as hard late on. My heating bill was 80 quid last month, for 4 hours a day of gas. Even doubling that is still cheaper then running costs of a car.
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that is quite a broad brush you are painting with

it all depends on running costs of the car, distance to work, parking restrictions.

for alternative transport you have to consider quality of public transport and safety of roads for cycling etc

you are suggesting punishing people for cutting down on car use and personally I can't get on board with that (if their job supports a hybrid working or home working lifestyle)

btw even with our old diesel our commute costs were not more than £80 a month.... and we still need the car with or without commuting.

now we have an ev the journey to work is practically free (realistically about 40p in electricity per commute day then what ever wear and tear is added)
 
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Raymond Lin said:
I think in all that time....I've driven in twice or 3 times max. One time because I had a parcel at work which I need to bring home and the other 2 times it rained. But I have been quite lucky so far in that it hasn't rained in the window that I need it to be dry.
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Does it not seem like a waste you're paying for car insurance and not using it for the perfect reason to make life easier/allow you more time to sleep/get ready/leave later, though?
Fuel maybe, but people waste that sort of money buying coffee's or crap from shops on lunchbreaks - which blows my mind vs taking a lunchbox/flask.
 
keef247 said:
Does it not seem like a waste you're paying for car insurance and not using it for the perfect reason to make life easier/allow you more time to sleep/get ready/leave later, though?
Fuel maybe, but people waste that sort of money buying coffee's or crap from shops on lunchbreaks - which blows my mind vs taking a lunchbox/flask.
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I kinda want to exercise, so instead of going for a 5km run 3 times a week which was what I was doing. I’m walking 5km 5 days a week now.

The car is paid for fully, it’s old and not really depreciating anymore. Money I save in fuel pays for insurance twice over, plus I do need it for weddings and airport runs.
 
Raymond Lin said:
I kinda want to exercise, so instead of going for a 5km run 3 times a week which was what I was doing. I’m walking 5km 5 days a week now.

The car is paid for fully, it’s old and not really depreciating anymore. Money I save in fuel pays for insurance twice over, plus I do need it for weddings and airport runs.
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I know what you mean.
Many years ago I cycled into work - 20 miles each way, between March and September for 3 years. During that time I got wet from rain a handful of times.
And when I didn't cycle, my company had a coach contract to get people into work, which stopped 3 mins from house. I still kept my car as I needed it at weekends. Those were great times - they basically paid people £800 per year to use the coach to get into work ! :)
 
Raymond Lin said:
I kinda want to exercise, so instead of going for a 5km run 3 times a week which was what I was doing. I’m walking 5km 5 days a week now.

The car is paid for fully, it’s old and not really depreciating anymore. Money I save in fuel pays for insurance twice over, plus I do need it for weddings and airport runs.
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Ah fair enough, I'd rather ride a MTB personally, I hate walking, reminds me of not being able to drive/being skint haha!
Make sure you give it a run each week though if it's old and you barely use it, the whole "I start it up once a week and let it warm up" isn't actually good for a car, and especially not it's catalyst - which are stupid money to replace even on old cars.
 
keef247 said:
Ah fair enough, I'd rather ride a MTB personally, I hate walking, reminds me of not being able to drive/being skint haha!
Make sure you give it a run each week though if it's old and you barely use it, the whole "I start it up once a week and let it warm up" isn't actually good for a car, and especially not it's catalyst - which are stupid money to replace even on old cars.
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Recently I've been to Heathrow twice, over the weekend I drove 16miles to the nearest town, so it is not always stationary. What I really don't want to do is do the short journey to work, the needle doesn't make it to the fully warmed-up position before I get there.
 
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I'm not looking forward to next year potentially :s I've got it down to 2021 prices and that is supposedly with multi-car discount negating most of the price rise...
 
As my renewal is mid January I’ve just done a quote with Elephant starting December 22nd as the rumour is getting quoted 20-26 days prior to renewal is when they view you as organised and less risk so quote better, the prices I got were:

360 = £389 (about £50 cheaper) - 3000 miles
R8 = £420 (about same) - 3000 miles
M2 = £789 (£300 more) - 5000 miles
GR Yaris £511 (£100 more) - 6000 miles


So based on that I’d expect Admiral to better it and have home insurance too so the target will be £2000 for all four cars which also includes my Mrs as a named driver, if I get this then basically little to no increase. :)
 
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Gibbo said:
As my renewal is mid January I’ve just done a quote with Elephant starting December 22nd as the rumour is getting quoted 20-26 days prior to renewal is when they view you as organised and less risk so quote better, the prices I got were:

360 = £389 (about £50 cheaper) - 3000 miles
R8 = £420 (about same) - 3000 miles
M2 = £789 (£300 more) - 5000 miles
GR Yaris £511 (£100 more) - 6000 miles


So based on that I’d expect Admiral to better it and have home insurance too so the target will be £2000 for all four cars which also includes my Mrs as a named driver, if I get this then basically little to no increase. :)
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Where is the Lambo!
 
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