Massive Car insurance costs?

Soldato
Joined
2 Aug 2016
Posts
4,054
Location
Third Earth
Current fleet:
2015 Kia Sportage
2006 Toyota Yaris

Combined renewal is £390 fully comp for the year for wife and I

Incoming new fleet:
2024 Tesla Model Y LR
2020 Ford Feista ST3

Quotes are coming in at £1600 (combined) fully comp for the year for wife and I

To be expected I suppose, faster, higher value, potentially more nickable etc.
Mrs HB has decided she’s likes the Jaguar I-Pace instead of the Tesla. 2023 ipace is £700 a year, so just over £1k combined. Jag is cheaper to buy as well, and I get to legitimately say Jaaaaaaaag.
 
Associate
Joined
8 Nov 2006
Posts
1,398
Just renewed my 2 cars, not too bad, with Keith Michaels (broker) they are good, I speak to the same guy each year.

Fiesta 1.6 - up £40 to £370
Skyline R34 GTR - up £150 to £1300

Agreed value of 100k, I also need to have the tracker active at a cost of about £130 a year.
 
Associate
Joined
20 Sep 2005
Posts
2,015
Location
Wilderness of ESSEX
I have been with Admiral for well over decade as they always very competitive. That was until last year when my premiums were almost doubled for joint insurance which is normally cheaper with them.
When I do the jump hunrdles and through hoops of getting qoutes and phoning Admiral to state qoutes sourched. They were only offering to knock off £30 for a joint cover when I had quotes at almost half their quote !
So AA got my custom.
 
Soldato
Joined
25 Jun 2007
Posts
21,942
Location
Downtown
Today is the day. Insurance renewed!

£805, so about the same as last year.
F54 Clubman in London.
Only £50 excess
All 9 points and a fault accident declared :o
Prices included Enhanced version of key cover, injury cover and hire car.

All in all not the hiding I was expecting.
 
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Man of Honour
Joined
26 Dec 2003
Posts
31,011
Location
Shropshire
Today is the day. Insurance renewed!

£805, so about the same as last year.
F54 Clubman in London.
Only £50 excess
All 9 points and a fault accident declared :o
Prices included Enhanced version of key cover, injury cover and hire car.

All in all not the hiding I was expecting.
Sounds like a bargain considering.
 
Soldato
Joined
25 Jun 2007
Posts
21,942
Location
Downtown
how much did premium go up from points&fault ... or is that predominately a london phenomena
It went up from around 700 to a grand. That was 4 years back when I got 6pts. 6 points fall off my insurance next renewal.

What was weird is that I did a quote without any accidents or points just to see the difference in price... and it was more expensive. Go figure.
 
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Soldato
Joined
25 Jun 2007
Posts
21,942
Location
Downtown
Today is the day. Insurance renewed!

£805, so about the same as last year.
F54 Clubman in London.
Only £50 excess
All 9 points and a fault accident declared :o
Prices included Enhanced version of key cover, injury cover and hire car.

All in all not the hiding I was expecting.
I can't believe it...

Renewal came through for £676 with Sterling. Same level of cover but £325 excess. I was almost certain it'd be more expensive than last year.

I'll probably stay for that saving vs excess.
 
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