Soldato
- Joined
- 27 Mar 2013
- Posts
- 9,332
I guess since the laws changed and new customers don't get cheaper deals, everybody gets shafted. Who'd have thought 
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Massive Car insurance costs?
- Thread starter MatsyLR
- Start date
It's also about risk profiling. Someone who leaves their insurance to the last minute might be considered to be disorganised... maybe they leave their tyres to the thinnest tread, maybe they leave home 5mins later than they should have and then need to cane it to their destination etc.
I think the optimal renewal slot is about 3 weeks prior based on research. I guess this is because they like to fleece the people who are jumping on the renewal at the earliest opportunity or whatever.
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I eventually got myself covered through a company called Stella who, according to their website, provide
'Car insurance that's passionately pro | women'.
It was only £450, £60 up on last year but compared to some of the big names who were wanting £800-£1k I'll take it.
'Car insurance that's passionately pro | women'.
It was only £450, £60 up on last year but compared to some of the big names who were wanting £800-£1k I'll take it.
Anyone heard of Aviva Zero? By far the cheapest option atm around 600 instead of 900 for the same type of cover.
Just cannot see what the catch is with aviva zero. Just seems to be something to do with carbon zero tax benefits.
Just cannot see what the catch is with aviva zero. Just seems to be something to do with carbon zero tax benefits.
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Surely the name implies it comes with no extras? No courtesy car, no legal cover, no windscreen cover, just your basic fully comp cover? No frills.
Has everything. The zero is something to do with carbon zero. They get grants I guess for something and tax right offs.
Going to call tomorrow to question what it means properly as the way they explain it on the website isn't exactly clear .
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Yeah they only have a annual payment option which is what I would do anyway. Just not sure why it's so cheap compared to everyone else.
I renewed mine a month and 1 day early. I wasn't risking on losing that qoute as the next best one was almost double.
Man of Honour
- Get renewal notice
- Laugh at price hike
- Go on GoCompare etc
- Get much cheaper quotes
- Phone current insurer to cancel
- They ask why
- State cheaper quotes
- "Mr Massivenads, we can beat this, here you go"
- Stay with current insurer another year.
Like clockwork!
Last year's premium was £312, expecting sub £300 this year easy.
- Laugh at price hike
- Go on GoCompare etc
- Get much cheaper quotes
- Phone current insurer to cancel
- They ask why
- State cheaper quotes
- "Mr Massivenads, we can beat this, here you go"
- Stay with current insurer another year.
Like clockwork!
Last year's premium was £312, expecting sub £300 this year easy.
I went with Aviva Zero recently, they were the second cheapest for me after go skippy on the price comparison sites. Added the breakdown cover on top for £15 too (it’s with RAC).Has everything. The zero is something to do with carbon zero. They get grants I guess for something and tax right offs.
Going to call tomorrow to question what it means properly as the way they explain it on the website isn't exactly clear .
I moved to SW London from Yorkshire last year, my insurance went from £600/yr with an Audi S5 to £2800/year just due to the postcode. As I didn't really drive much in London and only used the car for going in/out of London trips I downsized to an s3, but it's still £1600/yr with no extras. I'm 35 with 6yrs NCB and zero points, I started driving late in life. I've tried every site possible, keen to hear from any other Londonish people. Am I a unique person?
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Man of Honour
Oh yeah also worth adding a parent or family member with long driving experience as a named driver too as I found that reduces the premium by an additional amount which varies between insurers. Usually this method is aimed at younger drivers who can benefit from having a named driver on the policy, but it works whatever your age too. Just make sure the named main driver is you, not the additional named driver, otherwise that counts as fronting, which is illegal.
Think I saved £50 this way.
Edit*
Realised I only tried moneysupermarket and GoCompare in the past and that's what I went with, so just registered to Comparethemarket and did a quote check to then get some interesting results when refreshing both: My renewal isn't until next year so this is purely a test for curiosity.
GoCompare: £385 is the cheapest quote via Sterling
CompareTheMarket: £316 also via Sterling
Both have the same details yet the same insurer lists a cheaper quote with one comparison site over another. So looks like it's best to use multiple comparison sites.... What faff.
Think I saved £50 this way.
Edit*
Realised I only tried moneysupermarket and GoCompare in the past and that's what I went with, so just registered to Comparethemarket and did a quote check to then get some interesting results when refreshing both: My renewal isn't until next year so this is purely a test for curiosity.
GoCompare: £385 is the cheapest quote via Sterling
CompareTheMarket: £316 also via Sterling
Both have the same details yet the same insurer lists a cheaper quote with one comparison site over another. So looks like it's best to use multiple comparison sites.... What faff.
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Go compare has the £250 free excess thing. Have to factor that in. Go compare cheapest one I can go for similar to my current £600 is £880. On compare the market I have access to Aviva zero which seems to be the same kind of plan I'm currently on at £600-£620
21 days is very soon for me so waiting to see if Hastings will do anything when I call them.
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Soldato
- Joined
- 6 Jan 2012
- Posts
- 5,504
One of the reasons i switched to a company car ... let someone else get shafted by the insurers.
It’s always best to try all the main comparison sites because there are differences in the quotes. Moneysupermarket brings up the cheapest quotes for me followed by compare the meerkats, but I’m 51 and it all varies depending on age and circumstances.
We do combined insurance that covers buildings, contents , 3 cars (clio, mk2 TT R, 996 911) and 3 cats ours actually went down this year, we pay about £1100 a year for everything which I don't think is actually that bad. The cars are super cheap to insure but weirdly the clio costs more to insure than the TT which makes no sense to me at all. I think the last claim we made on it was about 10 years ago when the mrs wrote off a car but at the time the car was covered by my protected no claims so it didn't really affect anything that I can remember. I guess we see what happens next renewal early next year.
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Soldato
- Joined
- 23 Mar 2011
- Posts
- 11,100
The "Christmas day" of car insurance
same here too.Unrelated but just put a deposit down on a Mk2.5 MX5. Noticed it had a K&N filter and stainless steel exhaust system (nothing horrible)
So I added these as modifications when getting the quotes, pretty vague set up. Options are just "air filter" and "modification to the exhaust system" but wanted it on there all the same
Very little change in cost, never had any modifications to declare before so was expecting much worse. Maybe like £2 a month change tops if that