Reply to: Shock - Car Insurance Renewal less than last year!!

[Troll]

Top tip:

Just added myself as a named driver to 19yo daughter's policy. Cost - 39p including £35 admin fee - basically if we'd added me when she took out the policy (2 days ago!), it would have been £35 cheaper.

How much was your daughters policy (and what group car is she driving)?

[escapeUK]

Good lord, for the first time in living memory. £80 cheaper this year!

Are premiums starting to reduce after all the fuss over spurious whiplash claims ?

I got a letter from the AA yesterday offering me contents insurance for only £40, it was £120 the last time I decided it was a waste of money. So I fills it all in, gets to the end, it says my credit card number is invalid. No its not. So I try another one. Invalid. ALT-F4.

We'll do without another year

[mudskipper]

Top tip:

Just added myself as a named driver to 19yo daughter's policy. Cost - 39p including £35 admin fee - basically if we'd added me when she took out the policy (2 days ago!), it would have been £35 cheaper.

[BoredBloke]

You are apparently statistically a greater risk because you are more likely to drive in or park in places where people don't pay attention.

Even if you are careful i.e. park quite far from the entrance in supermarkets it doesn't stop people going into you.

I wasn't just talking about supermarkets, the whole thing is rigged. How can you face a panalty when sombody does something to you when you have done nothing wrong. If you stop at the lights and sombody goes into the back of you then you can face an increase in your premiums for simply being the innocent party. What are you supposed to do? Keep your car locked in a garage 24/7 as statistically your are more likely to have an accident when the car is on the road.

[Troll]

I fail to see how they can see you as being a greater risk when you are clearly not at fault with any part of the accident. Surely that is just taking the pi55.

You are apparently statistically a greater risk because you are more likely to drive in or park in places where people don't pay attention.

WSES is how they justify it elephant in the room is how the Gruandian tells it

But it is taking the pi55

[SueEllen]

I fail to see how they can see you as being a greater risk when you are clearly not at fault with any part of the accident. Surely that is just taking the pi55.

You are apparently statistically a greater risk because you are more likely to drive in or park in places where people don't pay attention.

Even if you are careful i.e. park quite far from the entrance in supermarkets it doesn't stop people going into you.

I've had a dozy woman reverse into the side of me while I was waiting in a queue to get out of a garage. I've also had 2 people go into the back of me including one guy on a mobile phone in stationary queues of traffic. I would understand if these people were teenagers but they were all around 50.

[d000hg]

Mine's been cheaper every year I bought it. But then I'm 30 so was on the steep part of the risk gradient. And now I don't have a car at all.

[BoredBloke]

I fail to see how they can see you as being a greater risk when you are clearly not at fault with any part of the accident. Surely that is just taking the pi55.

My car is a 55 plate Mondeo. Its locked in a residents only garage in the flat and in the past 2 months its done, on average, 1 mile a week!!! So its worth fec all, does fec all but becuase the address is London, direct line wanted over £600 I would get shut of it but periodically I have to use it to drive home via Worcester to pick up my son.

[Scoobos]

Good lord, for the first time in living memory. £80 cheaper this year!

Are premiums starting to reduce after all the fuss over spurious whiplash claims ?

Hmm I'm not sure so those claims have anything to do with it, here's my recent experience that says its the bloody companies that are taking the micky.

Insured with Admiral.

Stopped waiting to turn right in my 4,500 quid year 2000 MR2 roadster
Just passed 17 year old rides straight into the back of it and admits full responsibility, saying he's on his mums multicar policy will I deal in cash.
I go get a quote to repair at the local Toyota garage, they say 1200 quid.
Kids mum says its too much.

Goes to insurace company...

His insurance company call me, begging me to accept 1200 quid for the repair + an extra 800 to spend however I see fit.

I'm very suspicious , so reject it, the guy is unhappy and explains that admiral will ramp the costs up to the tens of thousands and I'll wait ages for my car.


He was spot on - here's what happened.

Within 1 day my car was taken away for repairs at an "approved" repairer
The same day a brand new Alfa Romeo Spider convertible, with 500 miles on the clock as "an equivalent car" charged out, again through an "approved" supplier, for 300 pounds per day.

30 days later, I get my car back, half repaired ....

So I didn't get a good repair, and Admiral managed to fleece 10 grand out of the other insurance company..

Thats why insurance is so expensive, why it needs regulating and also why (in my view) it shouldn't be compulsory (look New Zealand etc).

The final insult was, when it came to renewal, they counted the accident (even though I wasn't as fault) and tried to charge me 300 quid more per year , bringing my premium - with no points / convictions etc to 1400 quid for a year.

Absolute piss take.

[Harmonic]

My 6 points stopped counting this year so my premium dropped a fair bit. Both mine and the wife's went down when we added each other as additional drivers to each others car and it's still £400 cheaper than "cheap for the first year then ramp it up" Admiral Multi-car

[Platypus]

Just got some quotes for my renewal in 4 weeks, and was surprised at how low some of the quotes were. £240 for a Jaguar S-Type R (that's the 400bhp one), me 35 and the wife 32.

Bloody hell, that's still a lot less than I'm paying for a simple A3 diesel

And I'm a lot older than you

[amoeba]

Just got some quotes for my renewal in 4 weeks, and was surprised at how low some of the quotes were. £240 for a Jaguar S-Type R (that's the 400bhp one), me 35 and the wife 32.

[TestMangler]

Mine went down £50 for naming the Mrs on my policy and hers went down £65 by naming me

Don't understand it but not complaining about it.

[Troll]

Don't get me started on Insurance Companies

Wifey parked her 1 week old car in Supermarket car park & while she was inside shopping, a dopey driver reversed out of the bay opposite & struck the front end, looked around to see if anyone had seen and promptly drove off!
But 2 guys in a car had witnessed and waited for wife to return, gave the vehicle reg and their details as witnesses.

We waited 24 hours and then went to the police to report an accident ...long story short - police visited the other driver who admitted driving off - said it was a moment of madness & police decided to take no further action - anyway got her insurance details - hire car arranged any it was taken away for it to be repaired; a week later got the vehicle back looking like new & thought no more of it until I came to renew my 4x4 insurance for which the wife is a named driver - they wanted a £55 premium for adding her - even though her accident was a no fault claim they rated -i.e. increased- premiums for any no fault claim!!

Found out subsequently that many insurance companies do the same and I'm currently in discussions to reclaim the the 3 (vehicles in the family) x £55 for future premiums per car for the 5 years that you have to declare any accidents

barstewards

[MarillionFan]

Good lord, for the first time in living memory. £80 cheaper this year!

Are premiums starting to reduce after all the fuss over spurious whiplash claims ?

Must be a mistake. Phone them up and ask them to quote you a higher value so you can shop around.