Reply to: Inflation - car insurance

[woody1]

Just got a quote to change my 2007 TT to a 2019 TT. Same performance & insurance group.

Current insurance (incl. breakdown cover): £222
New insurance (incl. breakdown cover): £499

Not as bad as our neighbour's 200% price hike but still a 125% increase.

[Zigenare]

Happy days. Whats the rules about points nowadays. It used to be on your paper licence for two years but had to disclose them for five years until the expired under the rehabilitation act. Some of the articles say they stay on your licence for four to eleven years now. How long since you had the points and what did the insurance people say?

Happened in 2020 during lockdown - 97mph in a 70mph limit. Camera van on the A55 heading eastbound up the hill. During the time I was looking after Mum's horses after she'd died. All handled online but Magistrates Court was involved. No issues with renewing my "Clearance" so all good. Funnily enough I'd just met up with Brillo for a chat - can't really blame him though...

[ladymuck]

Happy days. Whats the rules about points nowadays. It used to be on your paper licence for two years but had to disclose them for five years until the expired under the rehabilitation act. Some of the articles say they stay on your licence for four to eleven years now. How long since you had the points and what did the insurance people say?

Asking for a friend?

[northernladuk]

Just received my renewal quote - £700 cheaper this year...
The reason being that the 5 points I had on my licence have fallen off

Happy days. Whats the rules about points nowadays. It used to be on your paper licence for two years but had to disclose them for five years until the expired under the rehabilitation act. Some of the articles say they stay on your licence for four to eleven years now. How long since you had the points and what did the insurance people say?

[Zigenare]

Just received my renewal quote - £700 cheaper this year...
The reason being that the 5 points I had on my licence have fallen off

[woody1]

Elderly neighbour just changed her car, for a similar small hatchback, and had a nasty surprise.

Previous car: 2007 VW Polo, insurance £300
New car: 2018 Hyundai i10, cost approx £8k, insurance £900

She rang around other insurers (incl. Churchill, Admiral) and none were any cheaper. Some were quoting over £1000.

If, like me, you're thinking of changing your car, it might be worth checking the cost of insurance first.

[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...