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What is this madness with insurance prices?
I'm trying to get a quote for my wife's car. She barely drives more than a few thousand miles a year (if that), it's on the world's most boring car (Toyota hybrid) and she's had zero accidents in the last 20 years.
£320 a year from a couple of places. What are we paying for? Last year was £188.
I'm tempted to start a thread on the bike forum "how to persuade my wife to give up on her car and switch to an ebike".
Might actually be cheaper just for her to use taxis tbh.
Just did a 16 (! Must get a new car!) Year old Mondeo estate fully comp, 9k a year, social+business+commuting. £210 with legal cover and courtesy car. Up from last year - adding my old man (78) upped the price for the first time (rather than decreasing it) so put the missus on instead and saved 20 quid.
adding my old man (78) upped the price for the first time (rather than decreasing it)
think you’ve done well there… for the first time in my life I’ve got a ‘nice’ car, coinciding with the insurance price rises. Tried a number of things to get the price down. Tried adding my (33) parents (65, own cars no accidents, nice postcode) and the quote was higher.
Might actually be cheaper just for her to use taxis tbh.
I wish more people would do that
14 plate Octavia. Gone up from £330 to £550. No additional drivers, convictions or accidents since last year. Cheapest I can get from the comparison sites is £430.
Seems crap but my 19 year old is paying £1600 for an MX-5.
*smug grin*
Zero
My car is invisible
For the first time I can remember, I can't beat my existing insurer's renewal price. 68 years old, Honda Civic 2015, 2 years NCB (many years with company vehicle), CA8 postcode, legal cover. £311 this year, £245 last. By contrast, 2021 Triumph Speed twin 1200 - £138 with legal cover and protected NCB. My partner's 2019 MX5 was £213.
Wifes car was £180, renewal is £250, not checked comparison sites yet
330bhp/ton fun car is less than £200
Motorbike is about £120
Apprentice at work pays £200-£350/month depending on which ibiza/fabia/mx5 he has on the road.
Adding parents at a different address used to decrease my price until certain ages where I guess they become higher risk
My 2007 1.4 Fester is going to be £226 on renewal. Up from £198 this year.
I think there's definitely a post code lottery going on, city centers or high crime areas, now more-so than ever it's probably weighted more... Also probably a bit of scalping on the insurance companies part as well, because they can, it would be naive to think they don't.
Just did a 16 (! Must get a new car!) Year old Mondeo estate fully comp, 9k a year
You could almost retain a private chauffeur for that sort of money, lol!
Well, maybe not, but pretty much unlimited standard taxi fares....
41 y/o, Full NCB, Modified but fairly worthless old VW Caddy covered for business/personal use is about £500. I use a specialist van insurer though which has always worked out cheaper for me.
2008 Ford Focus 1.6. 358 ****ing pounds with Hastings. Up from 261 last year. Nothings changed apart from 1 year of time. I completely missed the renewal notice.
2015 Peugeot Expert 1.6 £354
Fully comp on Abarth 595 Pista £305...and fully comp on 2018 vw caddy van ( Inc breakdown) £330
The only good bit about being old is cheap insurance
Just had our Admiral Home & Multi Car renewal. Up by 46%, with the portion on my car up by 58%.
Not claimed on the car for 15 years and never had a point on my licence in 37 years.
Time to have a conversation with them.
This chart (which unfortunately has lost the title!) is something like "driver casualties per million miles driven"..
I've got it saved on my desktop because, though the left of the chart is unsurprising, the right side really does show the risk of older drivers too!<br />I'm always having conversations with elderly drivers about "maybe giving up the car cos, you know, you're blind" etc, but they often feel they're low risk.. sigh!
<br />DrP
Just to give you an idea as to how localised it is, and how bad it's got, i reinsured the same make and model as our old second car (that was sold after the divorce ~7 years ago).
It was 4200 Sek/year (about 380 quid) which included european recovery, extra mechanical insurance and was fully comp and 50000 km/year.
It's now 4800Sek/Är for the same cover on the same age of vehicle with the same conditions, 7 years later.
Just done a bit of digging.
For my car on it's own.
Admiral (current insurer) £707 up 58%
Aviva £803
Direct Line £1,023
Farkin' Ell!
Both our cars renew at the same time, as we previously had Admiral multi-car.
My Wife's car (2 litre diesel Ibiza FR, 12 plate, ~10k miles/year) has come through from the RAC - last year was £299, this year £309 - so £10 more. That is with breakdown cover.
My car (2 litre diesel Leon estate, 18 plate ~14k miles/year) has come through from Churchill - last year was £300, this year £470. It does say on the renewal letter though "you been with us for a number of years, so you might get a better price by shopping around".
I think I'll stick with RAC for my Wife's car & see if I can get a better deal for mine.
Same with me. Wife's car up by 17%, mine up by 58%, but they have added onwards travel that I don't need as I'm already covered by the RAC.
I've a renewal email from Sainsbury's (they weren't the cheapest, but had good Which reviews for customer service), to remind me that my car insurance (2012 Prius+) is up for renewal shortly, but not to worry as they've made it really easy to renew.
Last year's total price: ~£654
This year's total price: ~£2108
WTF. That's quite the bump.
Renewed ours just before Xmas , Saga on the side of older people? Nope ! Went with Halifax £280 for a 2019 Focus estate wife and I , both retired low usage 7K a year . Then our local garage had a 2022 Focus estate in , same size engine and BHP only difference ST so a bit fancier . Halifax quoted over £500 !!!! Curiously underwritten by Aviva and I got the insurance from them for just over £300 ! 🤔🤔🤔
Just to confirm my suspicions that all insurance companies only differ from Dick Turpin in they don’t wear a mask when I cancelled with Halifax they charged me £76 for less than a months insurance when 12 months was £280 ? 🤔🙄On top of that they also charged me £35 “ cancellation fee “ 🤔😡😡
Just to confirm my suspicions that all insurance companies only differ from Dick Turpin in they don’t wear a mask when I cancelled with Halifax they charged me £76 for less than a months insurance when 12 months was £280 ? 🤔
Maybe more d*ckhead drivers choose to buy and then crash the schportier car?
I've got exactly this with our FR. It's seems it's both crashed and stolen more than the same engine & drivetrain 'less schporty' model.
Agreed that charges for changes to policy are just a scam.
£350 for 16 plate transit custom
Civic 1.8, I’m 51, live in a Hampshire town.
5 years Ncb. Was with esure, they wanted 500 squid this year so changed to Churchill at £280 fully comp. Edit to add: 6k miles a year.
zafira tourer up to £400, gt86 under £250, same conditions, drivers, the works.