Car insurance

Car insurance

45 posts
2 Dec 2012
Chandos
Photographer
Chandos
I'm not that much into cars and my last one lasted 19.5 years, older than some models on here Insurance for that one, a Micra 1.3 has risen to £330 last May. Anyway I had it replaced with a Civic 1.6 at Group 6 and the quote was £546 with Hastings Direct, same with Direct Line. The cheapest was Admiral at £496. However a Civic Type R 2.0 with a massive jump in performance at Group 17 is barely £100 more at £600 with Admiral. Never realise the cost to insure was so close I would have expected a lot more for the Type R and a lot less for the ordinary 1.6. I'm now seriously consider geting the Type R.
Posted 2 Dec 2012
anthonyh
Photographer
anthonyh
here is a new scam to watch out for......


I received a renewal notice a few days back......just over £150 for my SAAB.


The renewal notice warned that it was based on all the info on it being correct....if not, I had to correct it on-line.

On checking I found my recorded NC period and period I held a driving license was too short....so I corrected it.

My renewal quote then jumped by nearly £100!

I obviously phoned the company as I naturally thought there was a glitch, but no. The rates were determined at the time of my 'new application'...and that was my new premium....even though the 'advisor' admitted that if I hadn't corrected their mistake it would have been renewed at exactly the same time for the £150....but it couldn't be changed now.

Needless to say, they immediately lost a customer.
Posted 2 Dec 2012
Edited by anthonyh 2 Dec 2012
Chandos
Photographer
Chandos
Men and women should get equal motor insurance from 21st December so if guys are thinking of renewing that is the time to do it.


Posted 2 Dec 2012
mph
Photographer
mph
[qt][author]Chandos[/author] Men and women should get equal motor insurance from 21st December so if guys are thinking of renewing that is the time to do it. [/qt] In practice it is women who should be thinking of renewing before that time!
Posted 2 Dec 2012
lester2705
Photographer
lester2705
I had a 58 plate Audi A3 1.4 TFSI Sport and paid £480 per year fully comp class 2 business use but decided to let the car go to save money. I then got a 03 plate Honda Civiv vtec which i gave 1200 quid for and changed the insurance .....the difference ? £650 more!!!!!!!! Unbelievable. But if i want to cancel (Swinton) and take out a new policy for 700 quid I have to pay a 50 quid cancellation fee....total rip off. I have no points no accidents and 30 years of driving experience, its a joke.

Posted 2 Dec 2012
artistoli
Photographer
artistoli
I was with Admiral until recently. I was doing two jobs (one self-employed and one part-time night shifts). Anyway, I quite being self-employed because I was losing money so I couldn't see the point. So I phone up Admiral to update my details. I explained that I didn't need the car to be insured for business use any longer - just going to one place of work a few days a week (up until this point it had been insured for business use and one place of employment). They promptly increased my premium by £240 per year!!! This is even though I would be using the car less and it would spend more time sitting safely on the driveway.

So, I told them where to stick it, sold the car and now I'm moving away to a sunny island in the Med where I won't need a car. Its really beyond time to tell insurance companies (and all the idiots who make stupid claims because of those annoying adverts - thus ever driving up premiums) to take a hike. Abandon playing their game. Opt out.

Posted 2 Dec 2012
anthonyh
Photographer
anthonyh
I am still considering whether to start a formal complaint process....I see no justification (in my case above) of upping my premium merely because I advised them that I was a better 'risk' than they thought!

I still don't know how the error on the renewal notice occurred in the first place....maybe I am being cynical but I am now wondering whether an error isn't deliberately introduced so that when a customer bothers to correct it they have an excuse for hiking the premium.

As it happens, I found a cheaper renewal quote online...with the AA.....but that won't stop me making the complaint....particularly as the price comparison site I used came up with a quote from the same company but was much lower than my 'new' premium.
Posted 2 Dec 2012
Edited by anthonyh 2 Dec 2012
ScottishGeek
Photographer
ScottishGeek
Insurance is something I've never understood. Many years ago I had an old car I paid £100 for and had it on third party only insurance. When I bought a brand new car one insurance group higher my premium dropped over 15% for fully comp!

More recently I moved from a 30 month old Honda hybrid to a 3.9L Mustang and my insurance dropped from £650 to £530! Simply doesn't make sense.

Posted 2 Dec 2012
dirk_99
Photographer
dirk_99
Chandos
I'm now seriously consider geting the Type R.
I'd advise a test drive over typical uk potholed roads - I had a Type-R and had to sell it after two months at a loss - and my back needed 6 trips to osteopaths and chiropractors to sort out. Great car on smooth roads....
Posted 2 Dec 2012
Maloby
Photographer
Maloby
My mother did not shop around for years and her renewal quote had risen to £1000. On a comparison website there were over 12 choices under £200 and one for £150 all fully comp. Reducing mileage and adding a partner can help reduce a quote.
Posted 2 Dec 2012
Chandos
Photographer
Chandos
mph
Chandos
Men and women should get equal motor insurance from 21st December so if guys are thinking of renewing that is the time to do it.
In practice it is women who should be thinking of renewing before that time!
Many insurers already made adjustment in raising womens car insurance premiums since Novemeber. As usual any falling premiums for men will have to wait till the final second on the 21st December.
Posted 2 Dec 2012
Chandos
Photographer
Chandos
lester2705
I had a 58 plate Audi A3 1.4 TFSI Sport and paid £480 per year fully comp class 2 business use but decided to let the car go to save money. I then got a 03 plate Honda Civiv vtec which i gave 1200 quid for and changed the insurance .....the difference ? £650 more!!!!!!!! Unbelievable. But if i want to cancel (Swinton) and take out a new policy for 700 quid I have to pay a 50 quid cancellation fee....total rip off. I have no points no accidents and 30 years of driving experience, its a joke.
I don't know why average Honda Civic are so high given its relatively low insurance group yet the top of the range Civic Type R 2001-2005 model with far higher insurance group actually only slightly higher and much less than the rival Golf GTI.
Posted 2 Dec 2012
Chandos
Photographer
Chandos
dirk_99
I'd advise a test drive over typical uk potholed roads - I had a Type-R and had to sell it after two months at a loss - and my back needed 6 trips to osteopaths and chiropractors to sort out. Great car on smooth roads....
What generation Type R did you have?
Posted 2 Dec 2012
Chandos
Photographer
Chandos
artistoli
I was with Admiral until recently. I was doing two jobs (one self-employed and one part-time night shifts). Anyway, I quite being self-employed because I was losing money so I couldn't see the point. So I phone up Admiral to update my details. I explained that I didn't need the car to be insured for business use any longer - just going to one place of work a few days a week (up until this point it had been insured for business use and one place of employment). They promptly increased my premium by £240 per year!!! This is even though I would be using the car less and it would spend more time sitting safely on the driveway.
Curious how your premium went up when you decide to drive less. The only reason for the rise so it seems is leaving your car in your drive unattended and they see that as a bigger risk (from theft?). Since I use my car to commute to work and use the work car park it is worth me telling my insurer that my work car park has security swipe access barriers and manned CCTV.
Posted 2 Dec 2012
gerryquiff
Photographer
gerryquiff
artistoli

I was with Admiral until recently. I was doing two jobs (one self-employed and one part-time night shifts). Anyway, I quite being self-employed because I was losing money so I couldn't see the point. So I phone up Admiral to update my details.

I explained that I didn't need the car to be insured for business use any longer - just going to one place of work a few days a week (up until this point it had been insured for business use and one place of employment). They promptly increased my premium by £240 per year!!! This is even though I would be using the car less and it would spend more time sitting safely on the driveway.


So, I told them where to stick it, sold the car and now I'm moving away to a sunny island in the Med where I won't need a car. Its really beyond time to tell insurance companies (and all the idiots who make stupid claims because of those annoying adverts - thus ever driving up premiums) to take a hike. Abandon playing their game. Opt out.


YOU see this as using the car less, THEY see this as more time to use the car. Which explains the high premiums for unemployed drivers.

Posted 2 Dec 2012
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