Massive Car insurance costs?

If I had gone with my first quote just for Insurance £269 after a close shave with They Who Shall Not Be Mentioned Ever Again. I decided to stay with my previous Insurance so Insurance+Breakdown came to £369 which infact was cheaper than last year. This 'PROVE YOUR NCD' or we will cancel your insurance is just very agressive and needless though, who thought that was a great idea? I do see now I've renewed that I have been sent a "protected No Claims Discount.pdf" can't say I've ever been asked or took any notice of these new changes! That said it is only for 9 years, I had about 18 years or more which has already been stated above. but it didn't seem to make a lot of difference as most companys only go upto 9 years anyway.
 
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pastymuncher said:
Being ex RAF I tried a Forces insurer, Forces Mutual who advertise in the RBL magazine and they wanted a gigantic £1650 a year!!
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I used them for a couple of years when I worked for them and they were massively cheaper than anyone else. Staff discount helps!

For the Mazda, I moved from esure to Tesco in 2022 and have been with them since. I always call around and never take the renewal they offer me.

2022-2023 I paid £203
2023-2024 I paid £289
2024-2025 I paid £279
 
Mines jumped from £455 to £638 this year (Churchill), I got it down to £521 though.

Cheapest on comparisons is £413 but thats with a large excess, tried a few that are not on comparison sites and I was getting quotes of £650+ once I add some of the extras like protected no claims, legal cover.

Anyone recommend cheap provider they have had success with not on comparison site?
 
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Mine's going up from £430 ish to 650+. Got it down to 500-somthing. Bit of a pee-take really.

They should be charging the premium on the cars that cost a bomb to fix, not knackered old Toyotas that'll run forever like mine.

</grumble>
 
674 > 801 for me :/
Comparison sites gave me some options around £600, but they are the Elephant/Admiral types, who I'd like to avoid if I can, given past experience. Will try and see if my current insurer will match those prices, but might just have to suck it up.
 
Conscript said:
674 > 801 for me :/
Comparison sites gave me some options around £600, but they are the Elephant/Admiral types, who I'd like to avoid if I can, given past experience. Will try and see if my current insurer will match those prices, but might just have to suck it up.
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Yeah same, I can get a little cheaper, but just going to stick I think with Churchill. Hopefully it’s cheaper next year.:cry:
 
Conscript said:
674 > 801 for me :/
Comparison sites gave me some options around £600, but they are the Elephant/Admiral types, who I'd like to avoid if I can, given past experience. Will try and see if my current insurer will match those prices, but might just have to suck it up.
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Elephant and admiral are decent, no? It's the marshmallows I was avoiding at that cost
 
Just renewed mine.

Last year the best I could get on price comparison sites was £352 without breakdown cover, ..this year £290 with breakdown cover included.

With the same details and 9+ years NCD. Age 52.
 
I got my admiral renewal down to the cheapest comparethemarket quote after going through the 'I want to leave' path on the website, twice. That'll have to do I guess.

£470 </grumble>
 
Got my renewal through, nothing changed in last 12 months and same insurer wanted an extra £100 over last year, looked online and for the exact same cover with a different provider got £300 knocked off.
 
Sterling is due in Jan, just did a quick gocompare, £337 - I suspect Sterling renewal will come back £100+ over last year's £350 odd. Also suspect the compare quotes will be even lower after the new year so will re-do it then.
 
dlockers said:
Elephant and admiral are decent, no? It's the marshmallows I was avoiding at that cost
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Girlfriend was insured with them, and we had a nightmare with the quality of work conducted by their "approved repairer" when someone crashed into her parked car a few winters back. Basically came back with obvious structural damage untouched. I'd rather try and avoid them in the future.

EDIT: Just re-checked my comparison quotes and realised they were all including a £250 voluntary excess. Current provider's renewal (Christ Knott) is based on a £0 voluntary / £200 compulsory excess. Adjusted the comparison to remove the voluntary excess, which closes the gap...but still includes £350 compulsory excess at a minimum, making it harder for me to get CK to price match. I might ring them up and see if adding a voluntary excess will lower the premium.
 
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Mine hasn't changed price much (about £10 difference) for the last 3 years. Mine is a modified car with greenlight though. I didnt check other insurers as it can be a bit awkward to go through all the stuff with modified insurance.

But a couple of friends have had their insurance go up quite a bit (one of them was double, but he did buy a range rover just before all the insurance hikes on them anyway), its mental how much all of it has increased.
 
Change of car from m140i to 330i, so hard to tell as I’d expect it to go down anyway… but apparently last year with current car would have been 560, this years offer 530… but moved elsewhere with slightly less excess and rest all the same for 470
 
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