Insurance Rises
11-01-2011, 11:59 AM
#1
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Thread Starter
Insurance Rises
Mines just gone from £479 a year to £1,011, no change in anything other than another years NCB!!
Is this a big increase compared with what others are seeing ?
Any response appreciated, thanks
tabetha
Is this a big increase compared with what others are seeing ?
Any response appreciated, thanks
tabetha
11-01-2011, 12:14 PM
#5
PassionFord Post Whore!!
My focus tddi estate has just been renewed today it was £240 fully comp and £260 with the bints name on as a learner, thought that was pretty damn good considering what others are saying
A neighbours nephew has just passed his test and has a 03 plate focus 1.6 zetec and his first policy in his own name is £8000 fuckin £8 grand
A neighbours nephew has just passed his test and has a 03 plate focus 1.6 zetec and his first policy in his own name is £8000 fuckin £8 grand
11-01-2011, 12:18 PM
#6
PassionFord Post Whore!!
My focus tddi estate has just been renewed today it was £240 fully comp and £260 with the bints name on as a learner, thought that was pretty damn good considering what others are saying
A neighbours nephew has just passed his test and has a 03 plate focus 1.6 zetec and his first policy in his own name is £8000 fuckin £8 grand
A neighbours nephew has just passed his test and has a 03 plate focus 1.6 zetec and his first policy in his own name is £8000 fuckin £8 grand
surely he hasnt taken the policy out at 8k?
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11-01-2011, 12:33 PM
#8
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NO mistake, I already phoned them, they said the VAT had gone up wtf!!
Already cancelled, as have my 25 years NCB proof, I think they don't like higher risk cars anymore, with previous phoning around I got it down to around £400 with 400bhp(future mods) and unlimited mileage, as soon as the weather clears I'm ready to get back on road, got all the bits(apart from wheels-let down).
Currently it's still insured till late feb when policy expires so plenty of time, I've actually just not renewed rather than cancel, as that would cost me 2 months premium at £92.66 a month, £185 just to cancel!!
tabetha
Already cancelled, as have my 25 years NCB proof, I think they don't like higher risk cars anymore, with previous phoning around I got it down to around £400 with 400bhp(future mods) and unlimited mileage, as soon as the weather clears I'm ready to get back on road, got all the bits(apart from wheels-let down).
Currently it's still insured till late feb when policy expires so plenty of time, I've actually just not renewed rather than cancel, as that would cost me 2 months premium at £92.66 a month, £185 just to cancel!!
tabetha
11-01-2011, 12:39 PM
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NO mistake, I already phoned them, they said the VAT had gone up wtf!!
Already cancelled, as have my 25 years NCB proof, I think they don't like higher risk cars anymore, with previous phoning around I got it down to around £400 with 400bhp(future mods) and unlimited mileage, as soon as the weather clears I'm ready to get back on road, got all the bits(apart from wheels-let down).
Currently it's still insured till late feb when policy expires so plenty of time, I've actually just not renewed rather than cancel, as that would cost me 2 months premium at £92.66 a month, £185 just to cancel!!
tabetha
Already cancelled, as have my 25 years NCB proof, I think they don't like higher risk cars anymore, with previous phoning around I got it down to around £400 with 400bhp(future mods) and unlimited mileage, as soon as the weather clears I'm ready to get back on road, got all the bits(apart from wheels-let down).
Currently it's still insured till late feb when policy expires so plenty of time, I've actually just not renewed rather than cancel, as that would cost me 2 months premium at £92.66 a month, £185 just to cancel!!
tabetha
you havent taken out the new policy already have you?
you know its illegal to be insured on a vehicle by 2 seperate insurance companys(your allowed a 2week cross over)
I work for a car insurance company and just letting you know incase to save potential problems
p.s insurance premium tax has gone from 5% to 6% so dont let them blame it on the vat change
11-01-2011, 12:44 PM
#11
PassionFord Post Whore!!
11-01-2011, 12:50 PM
#14
Wahay!! I've lost my Virginity!!
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I had the same problem last year with my current car.
Was due for renewal in july on my passat 1.9tdi, I got 10 years ncb, no points no mods etc nothing had changed apart from another years ncb and it went from £442 a year to £976. That was with direct line, as you can imagine i told them to stick it.
shopped around and got it for £640, still no better but insurance is essential
Was due for renewal in july on my passat 1.9tdi, I got 10 years ncb, no points no mods etc nothing had changed apart from another years ncb and it went from £442 a year to £976. That was with direct line, as you can imagine i told them to stick it.
shopped around and got it for £640, still no better but insurance is essential
11-01-2011, 01:03 PM
#15
You can have 100 years ncb it won't make any difference, the max is 5 years ncb and that gets you 60% and that's it
My old Mum bless her phoned me at the weekend, hers was about £350 last year and they now want £507 went on compare the meerkat and none of the quotes bettered that, cheapest was bout £550
Luciano
My old Mum bless her phoned me at the weekend, hers was about £350 last year and they now want £507
went on compare the meerkat and none of the quotes bettered that, cheapest was bout £550 Luciano
11-01-2011, 01:11 PM
#16
10K+ Poster!!
Mine went from £400 last year, to £1100 with my insurance company. i did have a claim against me as i bumped my neighbours car, but i had protected no claims, so still had them.
i had been with the same insurance company for six years, and built my no claims with them. i said i could understand an increase due to the claim, but nearly three times as much was outragous.
i shopped around, and got it for £650, but its still £250 more than last year.
i had been with the same insurance company for six years, and built my no claims with them. i said i could understand an increase due to the claim, but nearly three times as much was outragous.
i shopped around, and got it for £650, but its still £250 more than last year.
11-01-2011, 01:17 PM
#17
My insurance renewal on my ST170 went down by £20 BUT when i looked closely the monthly payments had gone up!!
APR on the finance to pay it monthly has increased so the reality it cost me nearly £100 MORE!! I have 9 years NCB Proof, i was told that you get the 60% discount at 5 years then the premium will go up every year with inflations tax etc!! Im 28 with 9 years NCB and i pay over £600 on an ST170 which i think is steep!
APR on the finance to pay it monthly has increased so the reality it cost me nearly £100 MORE!! I have 9 years NCB Proof, i was told that you get the 60% discount at 5 years then the premium will go up every year with inflations tax etc!! Im 28 with 9 years NCB and i pay over £600 on an ST170 which i think is steep!
11-01-2011, 01:34 PM
#18
20K+ Super Poster.
Thread Starter
you havent taken out the new policy already have you?
you know its illegal to be insured on a vehicle by 2 seperate insurance companys(your allowed a 2week cross over)
I work for a car insurance company and just letting you know incase to save potential problems
p.s insurance premium tax has gone from 5% to 6% so dont let them blame it on the vat change
you know its illegal to be insured on a vehicle by 2 seperate insurance companys(your allowed a 2week cross over)
I work for a car insurance company and just letting you know incase to save potential problems
p.s insurance premium tax has gone from 5% to 6% so dont let them blame it on the vat change
tabetha
11-01-2011, 01:38 PM
#19
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Thread Starter
I've just phoned up Footman James, they quoted me, "sorry we no longer insure ANY modified bhp increase cars", when I challenged this I was told since middle of last year renewals for bhp increase won't be renewed.
So I'm still phoning around, personally I don't give a toss if it is insured with 2 people and the "allowable" overlap was more than 2 weeks, but of course sensibly I'll start new one the day after the old one finishes.
tabetha
So I'm still phoning around, personally I don't give a toss if it is insured with 2 people and the "allowable" overlap was more than 2 weeks, but of course sensibly I'll start new one the day after the old one finishes.
tabetha
11-01-2011, 06:10 PM
#20
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Just got my insurance renewal through for my e46 m3, last year i paid £580
This year £1201
It was with adrian flux, they told me the actual insurance provider no longer works for them now and thats the best they could do.
The search begins
This year £1201
It was with adrian flux, they told me the actual insurance provider no longer works for them now and thats the best they could do.
The search begins
11-01-2011, 07:02 PM
#23
Just done mine today after a bit of phoning about Flux phoned me to ask if I was going to renew with them,
told them that I didnt want to pay over £400 and will be looking about for a better price so they came back with a quote of £400 for comp with all mods
funny when I phoned a week or so back the best they could do was £458(wanted £512 at first)
told them that I didnt want to pay over £400 and will be looking about for a better price so they came back with a quote of £400 for comp with all mods
funny when I phoned a week or so back the best they could do was £458(wanted £512 at first)
11-01-2011, 07:15 PM
#26
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Thread Starter
Mine has gone down for the last 3 years about £10-£20 a year until this.
Chris Clacy at A Plan quoted me very happy, at £459, for everything fully comp with unlimited mileage, looking further on my last insurers renewal the total price including the charge for paying monthly is £1,112.36p, they've charged me £101.12p just because I pay monthly(22.4% APR), A plan are charging me just under £50 for paying monthly, so will pay up front methinks.
The great bit about the RSOC official insurer is despite now 6 enquiries they've still not phoned back like they said they would, that was Boncaster.
Had a good chat with Chris from A Plan, a really decent chap, couldn't be more helpful, sorted it out, phoned me back when he said with the good news, can thoroughly recommend him/them.
Now going to phone around for gf's insurance, as no doubt being as he's the same insurer hers may take a hit also come renewal.
tabetha
Chris Clacy at A Plan quoted me very happy, at £459, for everything fully comp with unlimited mileage, looking further on my last insurers renewal the total price including the charge for paying monthly is £1,112.36p, they've charged me £101.12p just because I pay monthly(22.4% APR), A plan are charging me just under £50 for paying monthly, so will pay up front methinks.
The great bit about the RSOC official insurer is despite now 6 enquiries they've still not phoned back like they said they would, that was Boncaster.
Had a good chat with Chris from A Plan, a really decent chap, couldn't be more helpful, sorted it out, phoned me back when he said with the good news, can thoroughly recommend him/them.
Now going to phone around for gf's insurance, as no doubt being as he's the same insurer hers may take a hit also come renewal.
tabetha
11-01-2011, 08:04 PM
#30
I've found that life I needed.. It's HERE!!
aviva was who gave me the above rise! through quick fit!
11-01-2011, 08:13 PM
#32
OCD Victim
It is getting a joke and the insurance companies are trying their luck.
My 4be went up by £2 this year, no issues there
The cabriolet and 2000e stayed exactly the same.
The Cinquecento went up by £45, so I shoppped around and got it down to £16 more than last year
The Fiesta went from £211 last year to £369, but after trying another insurance company that sent a "try us" style leaflet through and having an argument with India over details, I got it down to £191 (for 4 people, including one person under 30)
Worst one though was the woman who owns the cafe round the corner from work. She has a 2003 BMW X5 4.4i V8 and paid £600 last year. This year, her quote was £2,935
With a bit of ringing around and playing one off against the other, we managed to get hers down to £900, still 50% extra compared to last year though.
My 4be went up by £2 this year, no issues there
The cabriolet and 2000e stayed exactly the same.
The Cinquecento went up by £45, so I shoppped around and got it down to £16 more than last year
The Fiesta went from £211 last year to £369, but after trying another insurance company that sent a "try us" style leaflet through and having an argument with India over details, I got it down to £191 (for 4 people, including one person under 30)
Worst one though was the woman who owns the cafe round the corner from work. She has a 2003 BMW X5 4.4i V8 and paid £600 last year. This year, her quote was £2,935
With a bit of ringing around and playing one off against the other, we managed to get hers down to £900, still 50% extra compared to last year though.
11-01-2011, 08:38 PM
#36
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im 26 with 6points and my 4be saph is 645 with stage1 mods listed. went up £200 when i changed from my s14a 200sx. was happy with that. has 2 have a amobiliser on the car thow.
11-01-2011, 08:49 PM
#37
PassionFord Post Troll
Aparently, insurance companies make nothing from 'insurance'.
the premiums collected are used to play the stock market, insurance companies invest in the markets to make a profit.
The over the top general increase in the cost of insurance has nothing to do with your own insurance risk, but more to do with insurance companies wanting to make back their hefty losses in the recession.
its not just car insurance, its home insurance too!
theiving bar-stewards the lot of them!
Im 38, clean licence, 12 years+ NCB & paying over £700 for a 2002 1.6 Focus 'chic' special edition, a raise of over £100 on last year via Swinton insurance....Robbing gits!
the premiums collected are used to play the stock market, insurance companies invest in the markets to make a profit.
The over the top general increase in the cost of insurance has nothing to do with your own insurance risk, but more to do with insurance companies wanting to make back their hefty losses in the recession.
its not just car insurance, its home insurance too!
theiving bar-stewards the lot of them!
Im 38, clean licence, 12 years+ NCB & paying over £700 for a 2002 1.6 Focus 'chic' special edition, a raise of over £100 on last year via Swinton insurance....Robbing gits!
Last edited by Magnum PI; 11-01-2011 at 08:51 PM.
11-01-2011, 09:55 PM
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