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Mercedes e class ,3.0 TD £260 fully comp.
Car 15 year old though so not worth alot.
What @countzero says makes sense in terms of repair costs, but there does seem to have been a heck of a bump this year. I switched from LV to AA via Quidco compare and took £100 off a £330 renewal (Koraq, £300 excess, 10 years+ NC, Protected NCB, Social, commuting and 5000 business miles, quite old, rural area ;).
What was strange tho was on entering my details directly into the AA site, the quote was over £1,000!
Oh £40 back from quidco as well so worth the hassle. We've been with LV for years, if it'd been £30 I wouldn't have bothered but 50% hike in one year....
A panoramic glass roof panel, cracked while loading something onto a roof rack – £1500+.
And for the fact fans out there, lots of budget insurers no longer cover panoramic roofs under the "windscreen and glass" cover. So if it goes, it's a full claim. And from what I've heard £1500 is very conservative. IIRC things like Audi a8's have solar panels built in so literally no idea how much they cost to replace.
Audi 2.0tdi 15yrs old (not me,im 64)
Had 6yrs ncb but something (didnt)appear in a car park so only 3yrs ncb now,clean licence
Last year was <£400, this years renewal with RAC was £1030,so I just got a quote for £600 last night so took it
Thats fully comp,no breakdown or legal, monthly
Just renewed for a 3 year old Skoda Scala.
Roughly 53% increase in one year from £239 to £366.
Two of us, 64 & 59, on a 5-year old V60 D4, £240
£285 inc breakdown for Octavia 1.4 parked on driveway overnight. 8k miles pa. I'm 57 with 10+ years NCB. Mum (79) is a named driver.
I've been hankering after a 2016 / 17 Merc AMG GLA 45 recently. Been comparing a few on Autotrader with a view to arranging test drives.
Before that though I thought I'd best do an insurance comparison quote last week. 42 yrs old, off street driveway parking, 12 yrs NCB, never had license points, 6000 miles / yr etc.
Best quote came out as £1800+, worst was £5250...
Yeah, don't think that car purchase is happening now!
Van renewal arrived last week jumped up £100.
It's a 2016 transit connect and I did less than 200 miles last year (mainly due to back injury and not driving).
Only 3yrs NCD as it's a second policy but a bit of hunting around got it to £360.
I think the Golf (2016 GTE) is similar but expecting them to try a £100 increase in jan.
Cupra Leon, age 50. Liverpool City Centre address, £900. (21 plate, 10,000 miles a year)<br />If I moved to the girlfriends in North Wales drops by £250.
I have full no claims (over 10 years).
£780 for the two of us on:
02 Berlingo (third party)
12 smax fully comp.
14 fiesta st declared at stage 2. Fully comp.
Not bad.
Just to add a little extra detail, I’m now 69, my car is parked off the road, and I was driving around 11,000 miles a year, but that’s going to drop dramatically now I’m retired. Otherwise the usual excess with windscreen cover because of it being heated. I’m with AA, I was with Saga, so I’ll be interested to see what sort of quotes I get when renewal comes around.
Mercedes E63 2014, social and commuting 10k per year and 17 years NCB, £750. I think this is very reasonable.
My wife's 340i 2015, social, commuting and business cover. 10k per year and 12 years NCB, £850. This car is probably slightly more expensive due to we only just bought it, so the insurers weight that negatively.
solamanda - your wife's looks expensive.
Clearly, you both like cars with added ooomph!
53, full NCB, car parked on the road, 18 year old Skoda Octavia vRS 1.8t and on renewal a few weeks ago, Hastings had put my premium up from 550 quid to 790 for no apparent reason. Nothing has changed. No points, no claims so I phoned them up and said I wanted cancel my policy as I’d had a cheaper quote elsewhere
They asked if they could run through some details and we confirmed that nothing had changed. They then ‘revised’ my quote down from 790 to 540 quid, a tenner less than I paid last year
So give your insurance company a bell and actually speak to someone as it’s amazing how fast they can ‘revise’ your quote once you tell them you’re off
solamanda – your wife’s looks expensive. Clearly, you both like cars with added ooomph!
Business cover is also expensive. Interestingly when I was researching cars, a 320i was more expensive to insure than a 340i.
Just insured my 911 C4S and was a bit worried. Ended up at £306.68 with Churchill!
I've found the postcode makes the biggest difference.
When married (2020) and living in a nice part of England I had a Merc GLC AMG and a DB9 (2011 plate). The insurance was less than a grand a month, I'm now paying close to that for a single car, valued at £27k, but I'm now in a less desirable post code. Even horsepower wise, way less than than the merc.
Tempted to get rid of the Cupra and just use the girlfriends Audi A1. Insurance is pennies! But it's an Audi A1....
Yeah.. I don't know how they calculate it on an individual basis.. But post code certainly seems like one of the largest factors.
At least anecdotally from what I can gather.
£440 fully comp for my damn fool subaru. Last year went way up everywhere on online quoters etc but when I phoned up Churchill to cancel, they offered me a much better price. Like, thanks I guess? But next year could you just give me the good price first and we can all use that 10 minutes to do something else.
I’ve been hankering after a 2016 / 17 Merc AMG GLA 45 recently. Been comparing a few on Autotrader with a view to arranging test drives.
Before that though I thought I’d best do an insurance comparison quote last week. 42 yrs old, off street driveway parking, 12 yrs NCB, never had license points, 6000 miles / yr etc.
Best quote came out as £1800+, worst was £5250…
Yeah, don’t think that car purchase is happening now!
I tend to agree.. if I had to pay £1800+ for insurance I'd at least want a car that looks nice.. those things are butt ugly!
It's obviously a very fast car, hence the insurance price, but it looks like a turd on wheels.
Ended up at £306.68 with Churchill!
Just tried Churchill, they won’t quote me. Presumably because I hit a deer 3 years ago and am SP30 nearly 5 years ago.
My renewal from Direct Line for a 2017 Golf GTI is £440 (it says last year I paid £285, which I didn’t, but wonder if they’ve adjusted that for Golf which I’ve only just changed to).
Best quotes from the meerkats are around £360
Last year I think I paid £340 for my E91 330D
Just insured my 911 C4S and was a bit worried. Ended up at £306.68 with Churchill!
It’s odd, Porsches always seem cheaper to insure.
Happy to be corrected but certain cars are cheaper as they’re less likely to be involved in a claim. In other words a sporty hatchback is more likely to end up halfway through someone’s living room than a 911.
Salary sacrifice car but just got a quote for my Tesla Model 3 and the cheapest came back at £2,030. That’s living in the sticks and telling them I had 10 years NCD, which I’ve probably lost given the company-car aspect.
Mate has a 2 year old discovery.
Insurance is 2.5k in Leeds - LS28
Will be going up to 4k next year.
I know what I would do.
And Direct Line have just agreed to match my best Meerkat quote based on a screenshot of the quote screen 👍
Just checking that they are OK with me swapping to the winter wheels… This could be the downfall.
Salary sacrifice car but just got a quote for my Tesla Model 3 and the cheapest came back at £2,030<br /><br />
I’ve just done one for our salary sacrifice ID3 that’s just been delivered, cheapest is £430 which doesn’t seem too bad for a brand new car.
We've got a 6yr old Kuga, a 20yr old MG TF and a 16 year old Civic Type R - all are £360 ish each fully comp no mileage restrictions.
So give your insurance company a bell and actually speak to someone as it’s amazing how fast they can ‘revise’ your quote once you tell them you’re off
That’s if you can actually call them up.
Which companies are good at answering their phones?
Last year moved from mid Herts to Suffolk, price dropped c20% - postcode is a massive factor
Just tried direct line. We live in the badlands of Epsom.
Have a ****ing giraffe.
£1065 and that’s not mentioning business miles.
Which companies are good at answering their phones?
All ours are with LV on a group policy.
My wife works for NFU but puts the cars with LV as they are far better. And you can call and speak to someone who knows what they are on about.
£580-ish fully comprehensive for an 8 year old 528i Tourer. 7 years NCB, off-road parking in Ipswich Town. Makes the £130 a year Saab rot-box look positively cheap.
£580 for 2 diesels on separate policies as it was cheaper this year on Churchill (allows us both to drive Both cars). Our motors are around 10 years old, one is a 2 litre the other 1.6. We are now in our 50's not had a claim for years and years.
Son paid £3.5k for his first year of driving for a 15 plate focus. He's 21 and didn't want one of those boxes fitted. I know the younger generation are considered more at risk but they're all taking the piss. But what can you do?
Last year I paid £650 for a 2016 BMW m4, and the Mrs paid about £500 for a Ford kuga.
Then back in April this year both our cars (the m4 and ford kuga) were stolen off thee drive, this year's cheapest quote for an m4 was £4200, the kuga was £1300.
https://www.confused.com/car-insurance/guides/has-car-insurance-gone-up
Confused. Com reckon the average fully comp price has increased by 58% since last year.
That’s if you can actually call them up
Which companies are good at answering their phones?
I’ve been with Hastings for years and have to say that they’re very good at answering their phones. I had the whole thing sorted in 5 minutes
Like others have said, I can’t get why they bumped my premium up by 40%, then immediately reduced it by 40% as soon as I called to cancel.
I guess some people must just auto-renew without questioning it, leaving them quids in 🤷♂️
Just insured my 911 C4S and was a bit worried. Ended up at £306.68 with Churchill!
It’s odd, Porsches always seem cheaper to insure.
Happy to be corrected but certain cars are cheaper as they’re less likely to be involved in a claim. In other words a sporty hatchback is more likely to end up halfway through someone’s living room than a 911.
Wife's 2.7 2014 Boxster always seems cheap. £172 last year, garaged, 5k, Hampshire.
Due for renewal in 6 weeks...
Son paid £3.5k for his first year of driving for a 15 plate focus. He’s 21 and didn’t want one of those boxes fitted. I know the younger generation are considered more at risk but they’re all taking the piss. But what can you do?
Well, we know they'll load in as much profit as they think they can get away with but notwithstanding that the premium will pretty closely reflect the risk. For all that people moan about half-blind oldies bimbling about on the roads causing a hazard to navigation it's young people that are more likely to crash big and often.
we know they’ll load in as much profit as they think they can get away
Most car insurers run at a 100% loss ratio across their book. Few will price in any underwriting profit. They try and make their money off investments instead
Most car insurers run at a 100% loss ratio across their book. Few will price in any underwriting profit. They try and make their money off investments instead
I knew profits on the industry were famously low despite the reputation for rapacity but I didn't realise that was the model. I still reckon they'll take it if they can get it though!
It's such a cut throat industry. Service matters little and price is king. It's a race to the bottom.
The government are the only winners here. 12% IPT on premiums that are increasing by 60%! £7bn in IPT in the UK last year. Significantly higher this year.
Mine went from around £550 to £700, Merc CLS, live in central Cardiff, so went on a few comparison sites which are always much, much cheaper and the best I could do was £15 less than my quote, so I just sucked it up, oh well.
4year old caddy,
41 years old,
£290, VED cost more
Admiral multi car
This year:
VOLVO V50 1.6d (Some mods) - £845.99, 2yr NCB, 22yr old son
BMW 335d Xdrive- £824.05, 11+ yr NCB, 53 yr old wife
MERCEDES VITO Tourer - £682.74, 11+ yr NCB, 54 yr old me
Last year:
VOLVO V50 1.6d (Some mods) - £936.75, 1yr NCB, 21yr old son
BMW 335d Xdrive- £487.05, 11+ yr NCB, 52yr old wife
MERCEDES VITO Tourer - £450.24, 11+ yr NCB, 53 yr old me
Are BMW parts suddenly massively more expensive? No accidents etc happened in the past year so it seems to have jumped massively.