[Misc] Car Insurance cost

[zefarelly]

I've just insured an Alfa Romeo for £300 . . . And the renewal for the two wheeled fleet and race car has gone down.

 

[Badger]

These premiums all sound cheap to me. The premiums in Canada are wild. I bought my first car here about 18 months ago and my first year's insurance was CA$310 (about £190) per MONTH on a low mileage without using it to commute. When I renewed it I managed to find a provider who takes my UK driving history into account, but it's still costing me CA$180 (£110) per month. This is for a 39 year-old with no points and no previous claims doing up to 7000km non-commuting in a bog standard VW Golf.

 

[goldstone]

Just got a renewal advice through - tells me that last years premium of £465 will now be £792. No change beyond another year passing. 70% increase FFS!

Didn't bother me that much initially given that they always try it on, but checking comparison sites indicates this is the new norm. Might save £50 but that's it

Is this generally now being experienced by everyone? I've not known a hike quite like this in the past, although it always seems to increase

Certainly is. Just got me renewal through. Up from £376 to £712 with nothing changed. Couldn't find anything markedly cheaper on the comparison sites. Rip off!!

 

[Horses Arse]

Certainly is. Just got me renewal through. Up from £376 to £712 with nothing changed. Couldn't find anything markedly cheaper on the comparison sites. Rip off!!

Makes you want to go and ram someone doesn't it?!!

 

[Horses Arse]

These premiums all sound cheap to me. The premiums in Canada are wild. I bought my first car here about 18 months ago and my first year's insurance was CA$310 (about £190) per MONTH on a low mileage without using it to commute. When I renewed it I managed to find a provider who takes my UK driving history into account, but it's still costing me CA$180 (£110) per month. This is for a 39 year-old with no points and no previous claims doing up to 7000km non-commuting in a bog standard VW Golf.

Is it true that you can't say c@nt in Canada? If so, is that to protect car insurance firms from abuse?

 

[Badger]

Is it true that you can't say c@nt in Canada? If so, is that to protect car insurance firms from abuse?

I've only heard British and Irish expats using it! I have convinced a couple of my Canadian friends to use tw@t as an insult though.

 

[Live by the sea]

Car insurance has gone up a lot . Best to shop around but be careful you are using a reputable insurer that will pay out if needed . Check ‘ Which ‘ for unbiased ratings & reviews .

 

[Icy Gull]

I've just insured an Alfa Romeo for £300 . . . And the renewal for the two wheeled fleet and race car has gone down.

It’s a bit dodgy to go third party only!

 

[HHGull]

My renewal just came through at £550 (up from £320 last year). I got quoted £300 by Tesco and bought their policy.

When I rang Hastings Direct to cancel they asked if they could re-quote me. I said ‘no thanks I’ve already bought it elsewhere’. She said ‘That’s a shame, I can see our best price before we start modifying the quote is £406, and I’m sure we could get it down to £300.’

‘You should have given that as your renewal price then’ was my response.

Robbing bastards.

 

[Live by the sea]

Tesco have good reviews from Which so I’m sure your be fine .

 

[Horses Arse]

Friend of mine just told me his had gone from £450 to £900. Crazy stuff, reckons he's going to sell it, hardly uses it as it is.

 

[Weststander]

At my last renewal the proposed premium jumped by £400 to £900. No at fault accidents for as long as I can remember, no motoring convictions. Reluctantly I left LV (they were great back in 2017 after a t@sser took out my new car, then tried to lie). The new premium I paid elsewhere via confused.com ….. £500 again.

 

[Papak]

Bloody good result. I tried contacting aviva, who I'm with. No telephone support, only online support. On line policy states no reduction in renewal price, take it or f@ck off. Given that comparison sites have similar costs stated I guess I'm stuck with it.

Exactly the same for me. Ended up staying with Aviva as the increase was not too bad but I have heard of insane increases from friends (over 50 etc.) where premiums have gone up by multiples of the previous policy cost at renewal.

 

[Weststander]

Makes you want to go and ram someone doesn't it?!!

Who’s the lucky lady?

 

[Horses Arse]

Exactly the same for me. Ended up staying with Aviva as the increase was not too bad but I have heard of insane increases from friends (over 50 etc.) where premiums have gone up by multiples of the previous policy cost at renewal.

Yep, that's my experience. Over 50, 2015 merc estate so not exactly high risk or value these days (car that is, I'm priceless....). I have two no fault 'incidents' and that's probably part of the reason, as unfair as that seems. Even so, massive hike. While I could have saved £50 I'd prefer to stay with them given that Aviva are a well known/respected (?) firm and they can't claim not to know my history. I changed once before for a good deal, only to be reminded of a claim I'd forgotten about (age innit) that took me back to the premium I'd walked away from.

 

[zefarelly]

It’s a bit dodgy to go third party only!

It's fully comp

maximum of 7 miles a year, on a sunny day, with a police escort.

Seriously, I have a 3000 mile limit for scooters and race car (on the road, which it rarely does) all with confirmed agreed value and drive to work. And it's dropped to under £600 a year . . . Thats a significant chunk of money covered if the worst happened.

There are lots of different factors, I suppose being 40-60 is the sweet spot, having a garage/drive also, and mileage, I don't do loads so put 6000 as an annual guestimate.

 

[Weststander]

Yep, that's my experience. Over 50, 2015 merc estate so not exactly high risk or value these days (car that is, I'm priceless....). I have two no fault 'incidents' and that's probably part of the reason, as unfair as that seems. Even so, massive hike. While I could have saved £50 I'd prefer to stay with them given that Aviva are a well known/respected (?) firm and they can't claim not to know my history. I changed once before for a good deal, only to be reminded of a claim I'd forgotten about (age innit) that took me back to the premium I'd walked away from.

That’s always been the way, loading, where the two no-fault accidents statistically indicate a higher risk. Whilst NCD remains in tact.

 

[zeemeeuw]

Admiral put ours up by a bit. We called and asked them not to. They said OK.

 

[Horses Arse]

That’s always been the way, loading, where the two no-fault accidents statistically indicate a higher risk. Whilst NCD remains in tact.

Have to admit there's sense in it. I'm a 'no you f***ing don't' type of driver, hence those incidents and hence why insurance companies do that. The bastards!

 

[Horses Arse]

It's fully comp

maximum of 7 miles a year, on a sunny day, with a police escort.

Seriously, I have a 3000 mile limit for scooters and race car (on the road, which it rarely does) all with confirmed agreed value and drive to work. And it's dropped to under £600 a year . . . Thats a significant chunk of money covered if the worst happened.

There are lots of different factors, I suppose being 40-60 is the sweet spot, having a garage/drive also, and mileage, I don't do loads so put 6000 as an annual guestimate.

I thought higher mileage, within reason, lowered premiums.

I've no garage or drive, car abandoned in the road- so that impacts too. Always been the same though