Reply to: Inflation - car insurance

[dsc]

well on the German cars its easy to explain why, they
1. All have faulty indicators.
2. The Bonnet is obviously so long they don't understand stopping distance and travel an inch from your boot.
3. Undertaking, swerving across the lanes and poor driving is obviously part of driver training.

Not many of those nutters in this area, mostly just female drivers which don't really understand the size of their X3 / X5s or the new electrics and doing dickish moves on roundabouts (crossing lanes and then being surprised when you beep at them) or people parking like idiots. But I guess if there's more accidents involving a particular brand, you are automatically paying a higher premium...

Never liked the 1 series, 140 might be fun, but they are tiny cars (ie. bugger all fits in them in terms of DIY / furniture etc), 3/5 series is where the interest is, especially estates as sedans have retarded boots (ask me how I know...).

[vetran]

Getting close to 40, but after reading this I guess all is clear:

https://www.theguardian.com/business...sh-study-finds

Serves me right for driving a "performance" car

well on the German cars its easy to explain why, they
1. All have faulty indicators.
2. The Bonnet is obviously so long they don't understand stopping distance and travel an inch from your boot.
3. Undertaking, swerving across the lanes and poor driving is obviously part of driver training.

I have driven a speedy Subaru and they are for nutters like the top end Alfas were.

Porsches most of the drivers are so old they die at the wheel.

which one are you? I'm guessing a 1 series.

[SueEllen]

Getting close to 40, but after reading this I guess all is clear:

https://www.theguardian.com/business...sh-study-finds

Serves me right for driving a "performance" car

Do mercedes drivers get lower premiums?

As a pedestrian and when on a bike I noticed the ones in my area have better manners.

Anyway my current insurer is about £10 cheaper than the quotes I've found and offer me a lower excess.

[dsc]

Your age? (That's probably the biggest factor affecting premiums.)

Annual mileage has a bearing too. (I seem to recall LM doesn't use the car that much, so maybe she has declared a low annual mileage.)

Getting close to 40, but after reading this I guess all is clear:

https://www.theguardian.com/business...sh-study-finds

Serves me right for driving a "performance" car

[northernladuk]

Post code is an A bracket which is good to know if ever I have to pay for car insurance
(permie benefit, as part of the car allowance)

Reads post, checks forum name...

[Halo Jones]

Post code is an A bracket which is good to know if ever I have to pay for car insurance
(permie benefit, as part of the car allowance)

[northernladuk]

Insured with Saga when I got my new car in October 2022 on a 3 year deal so the price stays the same, glad I did

Do you have to report changing your hair rinse colour as a change in circumstances with them?

[tazdevil]

Insured with Saga when I got my new car in October 2022 on a 3 year deal so the price stays the same, glad I did

[northernladuk]

I think, as SE said, my policy renewed before the great increase. Just ran a quote search on compare the market and the lowest came in at £457

Seems like you've fallen out of the Hottie demographic...

[ladymuck]

Not sure how ladymucks insurance has gone down and up but still stayed in the same roughly the same for all these years. Her insurance must target hotties with cool cars.

I think, as SE said, my policy renewed before the great increase. Just ran a quote search on compare the market and the lowest came in at £457

[northernladuk]

Just had my renewal quote up from £360 to £577. Gordoneo Bennuto!

PS Maybe cos its a Ford Fiesta, most stolen car apparently.

It's in line with what everyone is saying on here so that's just an across the board increase we are all being hit with and nothing to do with aspects your insurance.

[xoggoth]

Just had my renewal quote up from £360 to £577. Gordoneo Bennuto!

PS Maybe cos its a Ford Fiesta, most stolen car apparently.

[northernladuk]

https://www.rac.co.uk/drive/advice/k...car-insurance/

Make/model of car, age of car, job title and where you/others in the area generally park. (Drives and car parks aren't safer where I am.)

Loads of people around me have EVs so according to complaints are paying over £1500+ for insurance. There are a few other petrol/diesel models that are regularly stolen.

Oh smaller cars aren't exempt from theft as they are being stolen for parts
https://www.autocar.co.uk/car-news/c...parts-shortage

https://www.bbc.co.uk/news/uk-england-essex-67309512

Don't forget also that insurance companies have a preferred group of people that match their risk model and costing. It's the reason LV, who prefer older, safer drivers with lower premiums will quote a 30 year old in a sporty car 5k+ or not even quote yet a specialist like AIB will come in at rates not for off the old fell and his diesel Focus. Sheila's wheels was a great example, but obviously now illegal.
I am sure many of us have been with a company that suddenly inflated prices and you've had to leave to go find someone else. It's because they've moved their risk factor and you've fallen out of their preferred demographic.

In the old days if you'd had a notable increase then you'd just go shopping and you'd find an equivalent or even better rate. Not so effective with the current price rises as it's just generally across the board rather than moving demographics.

Not sure how ladymucks insurance has gone down and up but still stayed in the same roughly the same for all these years. Her insurance must target hotties with cool cars.

[JustKeepSwimming]

I've had almost exactly the same recently. Every annual renewal quote for years, irrespective of company, has been anywhere from c. 10-50% higher.

Last year my renewal was around 40% lower. First time ever I didn't bother to get any other quotes.

9 out 10 times ringing my current insurer up gets me the best deal, maybe £10-20 in it, not worth faffing around moving. It's shocking how they still get away with not offering the best deal on renewal. It can't be that hard for regulator to check.

[edison]

Perhaps your wife was in a category of people Tesco needed at that time to 'balance' their book? Similar to how banks do it with their loans? It does seem a crap shoot. I remember one year my insurance dropped from £400 to £220 and then went up to £350 the next year and now hovered around £350-400 for years.

I've had almost exactly the same recently. Every annual renewal quote for years, irrespective of company, has been anywhere from c. 10-50% higher.

Last year my renewal was around 40% lower. First time ever I didn't bother to get any other quotes.