Car insurance. WTF!!!!!!!!!!!!!!

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Car insurance. WTF!!!!!!!!!!!!!!

68 posts & 42 voices | Started 7 months ago by loddrik | Latest reply from spacemonkey

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loddrik - Member

Car insurance is up and I'm looking round for, a decent quote. me and the wife, her as main driver with 10 years ncb, 0 points, me secondary with 3 points and 12ncb on a touran 2.0 tDi sport, L postcode. cheapest quote is £1350!!!!!!!!!

I honesty can't articulate how insane this is and how passed off I am about it. I'm afraid I am just not prepared to pay it and I'm going to be carless for however long it takes for insurance to get real again.

Not going to bd easy with two young kids either.....

Posted 7 months ago #
AndyRT - Member

that is daft! Surely this perpetual rip off cant carry on?

Posted 7 months ago #
wwaswas - Member

I'm going to be carless for however long it takes for insurance to get real again

life then

does seem a lot - I pay about £250 on 2 litre renault people carrier.

Posted 7 months ago #
camo16 - Member

As another L post-coder I feel your pain. I'm paying around £700 (can't recall the exact figure) for a 1.3 Fiat Panda diesel... Insanity.

Posted 7 months ago #
jackthedog - Member

I'm now carless for the same reason.

Posted 7 months ago #
Bikingcatastrophe - Member

I can only think you are not looking in the right places for your insurance. You are clearly at least 29 so out of the main danger age. Lost my full no claims earlier in the year after getting a couple of scrapes tidied up on the car but even with that, business coverage and fully comp my insurance on a 1.9 Vectra estate SRi is less than half that.

Have you tried looking at people like Swiftcover, Hastings Direct, brokers?

Posted 7 months ago #
Olly - Member

touran 2.0 tDi sport

im going to go with that being the issue.

Posted 7 months ago #
The Flying Ox - Member

I really, REALLY don't understand car insurance. OP & wife sound infinitely less risky than me, on paper, and yet I get a decidedly old but exceedingly rapid Jap import super-estate for £520 fully comp.

Have you shopped around properly? My above premium is with Elephant on a 10-month bonus accelerator policy.

Posted 7 months ago #
uplink - Member

I'm busy looking around now too

I really can't figure out their criteria

Direct line with just me as the driver, business use etc. £857
Direct line with me as the driver and my wife as a 2nd driver [1 no fault claim, and one vandalism claim], business use etc. £1088

LV with just me as the driver, business use etc. £389
LV with me as the driver and my wife as a 2nd driver [1 no fault claim, and one vandalism claim], business use etc. £357

So not only is DL massively more expensive, they load it when my wife is added but LV reduce it when shes added

Is there not any sort of universal risk model used?
The differences are so far apart, it's hard to believe there isn't an error

Posted 7 months ago #
loddrik - Member

I've tried all the comparison sites and lowest I could get was 1600!!!!

Posted 7 months ago #
Drac - Moderator

I've tried all the comparison sites and lowest I could get was 1600!!!!

Well there's your next mistake, these sites are a con go to companies direct instead. Preferably a one that doesn't use comparison sites.

Posted 7 months ago #
uplink - Member

LV was much cheaper for me going direct to their website over the comparison sites - try that

Posted 7 months ago #
loddrik - Member

Direct line wouldn't even quote me!

Posted 7 months ago #
Klunk - Member

I'm busy looking around now too

I really can't figure out their criteria

Direct line with just me as the driver, business use etc. £857
Direct line with me as the driver and my wife as a 2nd driver [1 no fault claim, and one vandalism claim], business use etc. £1088

LV with just me as the driver, business use etc. £389
LV with me as the driver and my wife as a 2nd driver [1 no fault claim, and one vandalism claim], business use etc. £357

So not only is DL massively more expensive, they load it when my wife is added but LV reduce it when shes added

Is there not any sort of universal risk model used?
The differences are so far apart, it's hard to believe there isn't an error

trying it on, if you rang back DL telling them of the LV quote i'm sure somehow they would magically match it or get very close.

Posted 7 months ago #
wwaswas - Member

Direct line wouldn't even quote me!

is this just based on your post code or are there other factors involved (profession or something)?

Posted 7 months ago #
loddrik - Member

Tried the usual suspects all direct and admiral were the cheapest at £1350. Who else should I be trying?

Posted 7 months ago #
loddrik - Member

I guess it is just the postcode. there is nothing else.

Posted 7 months ago #
wwaswas - Member

are there any 'old style' local insurance brokers with a shop front you could visit - they'd know who was best?

Posted 7 months ago #
vinnyeh - Member

what was the renewal figure and who with?

A quick look says it's group 17, so old 9 or so- is Liverpool really that bad for insurance?

Posted 7 months ago #
AndyRT - Member

Aplan down south are an old fashioned style broker. But you do pay more

Posted 7 months ago #
Klunk - Member

what mileage are you giving them ?

Posted 7 months ago #
anc - Member

Ehh! Thats insane money for a touran!
My wife and I are £398 for a Subaru impreza Sti Prodrive (group 20) Aviva and £240 for a Passat estate 2.0tdi(group 12) sheila's wheels.

Posted 7 months ago #
uplink - Member

trying it on, if you rang back DL telling them of the LV quote i'm sure somehow they would magically match it or get very close.

very odd business model for a new customer, who'd bother ringing them?
I know they do it with current customers to try and win a bit off them but its bonkers for a new quote

Posted 7 months ago #
dooosuk - Member

Try http://www.beatthatquote.com if you haven't already.

They were cheaper than any other comparison site when I did mine this week (there was £100 difference between Admiral prices from site to site).

Also, if you have a second car get a multicar quote. Even cheaper for me but I could only find £800 8yrs NCD, 3 pts, no accidents with a M postcode. I paid £350 last year.

Posted 7 months ago #
Thrustyjust - Member

Esure were shockingly cheaper on our renewal on my wifes Cooper S works last week. Alright I am old, but £280 fully comp is a great deal cheaper than anyone else we checked out on.

Posted 7 months ago #
mastiles_fanylion - Member

Same with business insurance at the moment.

My broker said the renewal was £950 (+ £15 'registration' fee + 10%APR if paid monthly). I told him I was looking around as it was too expensive. He came back with £798 with the same fees as above and said I wouldn't be able to find cheaper - it was easily the cheapest on the market.

Bought it directly from More Than for £385 with no registration fee and 0%APR for paying by monthly direct debit - identical/better cover to the one he proposed.

Posted 7 months ago #
hels - Member

DL quoted me £307 for the year, that was with some legal protection add-on I couldn't be bothered arguing about.

9 years no claims, one driver, small rural town.

Posted 7 months ago #
loddrik - Member

Mileage is 7k pa, wife is 32 I am 38.

Posted 7 months ago #
njee20 - Member

Looks like L1-22 are very high risk, so if that's where you are then there's your answer!

Doesn't make it any less rubbish.

Be very honest about the mileage, if you've just put 10000 or whatever, think carefully if you will actually do that. Reducing it can make a big difference. Play with excesses too, assuming you're not planning on crashing the car ask about a higher excess, may make a big difference.

Posted 7 months ago #
allthepies - Member

Looks like the ambulance chasers and "claims management" companies (i.e. charge out hire cars at eyewatering levels while taking forever to fix the car) are coming home to roost

Posted 7 months ago #
greggparker9 - Member

I feel your pain, I've been travelling for 2 years and sold my TDI Golf before I went, thank god!! My mum had an old Peugeot estate banger spare and said I could have it if I insured it. I'm in an L8 postcode, 27, 6 points, 4 years no claims and the insurance was double the cost of the car! It's a joke, there's no incentive to have insurance, it's no wonder so many scallies drive around with no insurance.

Posted 7 months ago #
greggparker9 - Member

Looks like L1-22 are very high risk, so if that's where you are then there's your answer!

This is a load of bollocks, I never had any problems with my car anywhere in Liverpool. Nor people I know. Classic age old stereotype of Liverpool!!

Posted 7 months ago #
lunge - Member

I can deal with the high premuims, I don't like them but I can deal with them. What I don't like is them sending out a renewal quote for £300 more than I can get by putting my details back onto their website.

If that isn't taking the proverbial I don't know what it.

Posted 7 months ago #
njee20 - Member

This is a load of bollocks, I never had any problems with my car anywhere in Liverpool. Nor people I know. Classic age old stereotype of Liverpool!!

It's based on statistics somehow, so you may not mix with those who are getting cars stolen or making fraudulent claims, but as much as people may like to think, the figures aren't made up and they're not based on stereotypes!

Check your postcode here.

Posted 7 months ago #
camo16 - Member

It's based on statistics somehow, so you may not mix with those who are getting cars stolen or making fraudulent claims, but as much as people may like to think, the figures aren't made up!

Okay.

But where are the actual stats? I actually asked my insurer this question when my renewal came up. The reply was (1) I'm not sure it's public domain and (2) nobody's ever asked for this before.

Anyone know if there's a primary source collating accidents/thefts etc by post code?

Posted 7 months ago #

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