Why is my insurance so expensive ?

Fr0dders

Fr0dders

Fr0dders

Caporegime
Joined
18 Oct 2002
Posts
33,467
Location
West Yorks
Renewal came through recently i have:

3 Years NCB
Aged 27 (28 in dec)
License 10 years

on a group 17 Volvo S60 T5

Now with that i've declared my 1 fault claim in Dec '07 and my Driving ban in Feb '07

price ? £956

Not bad considering the ban and the accident. I shopped around, couldnt get any cheaper than that so was happy. Thats not whats expensive. Whats expensive is this:

If i remove my driving ban, remove my fault claim, and up my NCB to 5 years and my license period to 12 years and try again with bell.co.uk

what does it come out at ?

£900 !!

I cant believe that an extra 2 years NCB and the loss of my claim + points only gets me insurance thats about £100 cheaper.

I didnt expect to be still paying £900 in 2 years time when some on here are getting insured for £500 or so.

Who here has a car around GRP 17 that pays drastically less than 900 ?
 
I was paying just under 600 for the 93, believe that was 17 ish. 25, 5 ncd, no claims points or convictions

Edit - group 16
 
It's probably your post code.

Before I put my car in a hedge in a rather big way I was paying less than that. And that was a group 20? 21? (whatever the highest group is, I'm clueless) car... and I'm not as old as you either! And it had a ton of mods declared too :o
 
^Indeed.

Post code makes all the difference with me.

My grandmother stays literally around the corner from my mother, if I use her postcode instead of my mums, it knocks about £70 off the price. :p If I use my girlfriends, it knocks off quite a considerable amount more.
 
Last edited:
Postcode.

Mine went up by £250 moving from an on-the-road, scummy part of Southampton to a gated car park in a nice part of Southsea.

A nice lady from Direct Line explained that all post codes have a score from 11-99 and my new address was 10 points higher than the old place. It's calculated by the number of claims and the value of those claims (among other things). She said while the new postcode probably has less claims because it's a nice area, the value of the claims are probably higher because it's a nice area and that pushes up the score.
 
[TW]Fox;17254535 said:
Well to be fair its Wakefield :p
Click to expand...

have you been ? its not that bad ? certainly nothing like the rough areas of manchester / liverpool that the insurance rating ranks it alongside.
 
My wife has only 1 year NCB and her insurance is around 1250 per year, I got a quote with 5 years and it only came down to around 1000 / 1100
 
Do you have a aunt/mother etc you can put on the insurance as a named driver.

You will be surprised at the saving.
 
My postcode (BN41) is rated 'A' and I still get quotes for 1080 quid for a 1.6 Alfa 147 :S

(25, 3 points, No NCB and ban in last 5 years)
 
I lost my mum to cancer and she was an only child. Added my dad however who'se well into his 50s.

Only reduced it by £50 :/
 
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