Car insurance

[PJ87]

It very much depends on gender, location and car. My daughter is 21, has a 9yr old Yaris, parks on a road in York, pays £600. If she were male, in a Corsa, in a less pleasant location, it may well be in the £3k territory.

It's a numbers game and there is a reason it costs younger people more.

When I swapped cars recently the Kia was £65 cheaper (ofc they charged me £20 for the pleasure) than the vauxhall

But on the flip side the Kona was £125 more than the Alhambra (again charger £20)

So actual insurance wise I paid £1750 for the Corsa and the Alhambra

So in reality should be £1810 to insure the Kia and the Hyundai

Don't get me wrong that's day light robbery with 9 and 6 years no claims. That's another con! After 9 years they say "9 is the max" so you stop building them. They just wrote 9 on my policy . It's actually 12. Well then put that missing 3 on the 6 then you cheeky sausages.

 

[NearHull]

Annual LV multi car renewal arrives into Inbox. Both cars ( Fiesta and Focus) fully comp + legal + breakdown and recovery.

Price increased from £380 to £490. We are retired, but we have daughter on the Focus and SiL on the Fiesta to back up their work transport. To try to offset the increase in this years price, I asked for both of them to be removed, but instead of reducing the price, it went up by £3 and £5 respectively! I declined the change!

Apparently, having three drivers on each of the vehicles spreads the risk!

Not quite how I assessed costs of risk in my previous career.

 

[KenL]

Annual LV multi car renewal arrives into Inbox. Both cars ( Fiesta and Focus) fully comp + legal + breakdown and recovery.

Price increased from £380 to £490. We are retired, but we have daughter on the Focus and SiL on the Fiesta to back up their work transport. To try to offset the increase in this years price, I asked for both of them to be removed, but instead of reducing the price, it went up by £3 and £5 respectively! I declined the change!

Apparently, having three drivers on each of the vehicles spreads the risk!

Not quite how I assessed costs of risk in my previous career.

With a 25% increase are you shopping around or asking for a discount?

 

[NearHull]

With a 25% increase are you shopping around or asking for a discount?

I haven’t done so as yet. I do like LV, they get a high rating from Which and you also get discount for holding more than one type of policy with them,

 

[3offTheTee]

I haven’t done so as yet. I do like LV, they get a high rating from Which and you also get discount for holding more than one type of policy with them,

Had mine from LV earlier this month. Almost 100% increase but it was low last year @£142.
Have multi car and phoned for a quote for the other car @4.40 on Friday as they close @5 p.m. They hd all gone home!

 

[Reemul]

LV= Changing to Allianz in April/May who bought them in 2018

 

[Doon frae Troon]

Four years ago our joint renewal fee for two cars was £400
This year our separate fees are over £1k.

I wonder what has happened in those 4 years to have caused that.

 

[PJ87]

Four years ago our joint renewal fee for two cars was £400
This year our separate fees are over £1k.

I wonder what has happened in those 4 years to have caused that.

Similar here. Mine was a shy over 1k for 2 cars now it's a shy under 2k for 2 cars

No claims increased and no claims or points since

I get things go up and insurer costs rise but it's getting ridiculous

 

[Reemul]

£10 billion in claims a year is what has happened, insurers pulling out the market, less competition, too cheap rates to start with compared to other countries, expensive spare, cost to repair. Insurers losing £10p on the pound on motor insurance is what happened.

These answers are the same as ealier in the thread, nothing has changed, the above are correct

 

[Neilds]

I have been insured by Yoga for the past 2 years but last week got an email from them saying they were unable to provide cover for the coming year as the insurers they work with couldn't provide cover. I went to a well known comparison site and Yoga came out in the top 5 quotes. They weren't the cheapest so now with Churchill.

PS - Only £307 so not sure what expensive machines some of you are wanting quotes for

 

[KenL]

I changed one Fiesta ST to another 2 years ago.
When I called my insurer to change they said they couldn't cover it so I had to cancel and go elsewhere.

Onto comparison sites and guess who offered me cover, the same company!

 

[GreiginFife]

We are with Admiral, multicar with three cars. Two of the cars are insured for both of us. Last year we were £1500, which includes one of those three being modified.

We're about to come up to renewal so will be interesting to see if we need to split these up.

 

[spongebob59]

Just had mine through, up over 30%.
Will be a day on comparison websites

 

[upsidedown]

With LV and did the trawl round to see if cheaper to no avail. As have sold the Volvo now don't get a courtesy car so phoned LV to see how much extra it would be and was £17, then asked if that was their best price and they came back with cheaper price than renewal quote and now with courtesy car . It's a pain you have to play the game

 

[spongebob59]

Which comparion sites do folk use these days ?

 

[PJ87]

Which comparion sites do folk use these days ?

ATM use go compare they give you £250 excess cover insurance

 

[chellie]

Which comparion sites do folk use these days ?

Top cashback and MSE for me this time.

 

[KenL]

What I have done in the past is to use the comparison sites then go directly to the one(s) I fancy.
Have saved a little money that way before.

 

[spongebob59]

Top cashback and MSE for me this time.

Couldn't get the MSE link to money supermarket to fire up

 

[chellie]

Couldn't get the MSE link to money supermarket to fire up

Oh, perhaps try again in a bit.