bluescortcossie

where am i going wrong , as far as i can see it should be a lot cheaper now but no matter who i try its always between £700 - £1200

main details are :
2006 ford ranger , double cab , 2.5
33 years old
full no claims
low crime rate postcode
kept on a driveway
no accidents or convictions
common law married with kids
full license for 15 years


makes no sense why its that much when i insured a saph cos for half that ten years ago !

Drayton

I take it you are shopping around/using price comparison websites etc?

bluescortcossie

tried comparison sites and no end of companies direct , cheapest is direct line at £700

tempted to get a trade policy and cover all my cars with it at this rate

Drayton

Have you tried reducing your estimated annual mileage and adding a second driver of lower risk, ie; someone older with more driving experience and clean licence, as these always help a bit

Stoka

90% sure it will be your profession, alter it so you are still within your actual profession, when i put service engineer it doubles to when i put fabricator, but i do both so i aint lying

bluescortcossie

im a HGV driver , would think that would help being a "so called" professional driver

also, ive got the mrs (10+ years driving / full NCB ) on the policy which brought it down a bit

also limited to 10k miles

CrOwSoN15

Your profession doesn't make all the much difference.

What's your postcode? Your area makes the biggest difference IMO.

bluescortcossie

postcode is low crime rate , middle of the Derbyshire countryside

CrOwSoN15

That's odd. Any convictions, refused insurance etc?

bluescortcossie

no , clean licence , never turned down for insurance etc , the mrs has a 2.0 mondeo , hers is £190 , same postcode, fully comp

Twins

iTrader: (18)

Perhaps its the car then,can affect it if its one that been stolen a lot

Fil

coming from a pickup owner, they are high on insurance generally

T.E.D. Jordan

I'm 25, own a brand new VW pickup and pay £900 with no mileage limit with 7yrs NCB and I don't own a house.

Some places/people seem to just be higher for no reason!

Jordan

Psycho Warren

iTrader: (5)

No such thing.

You either married and have a certificate to prove it or are merely cohabiting in law. They ditched the phrase "living as man and wife" in the benefit system legislation a long time ago, even if commonly referred to as such.

dojj

iTrader: (3)

I've got to lol at all us UK peeps bitching about insurance fucking us over
Them Canadians pay between $150 and $350 a month for insurance!!!!!
But they do also get policies which last 3 months
They don't seem to offer any ncb discount but some will not punish you for having one own fault accident in your lifetime

Fil

Errr, so £90 to £200 a month?

£1100 to £2400 ish a year, thats simular to here aint it ? I know a fair few people at work pay more that £2k per year

dojj

iTrader: (3)

But that figure never comes down unlike here when it drops after s few years ncb

And that's on a basic snotter and not something posh

t-man

iTrader: (1)

its a pick up truck, so its considered to be a commericial/work vehicle. this bumps the insurance prices up

foxy06

This^^

I insured Cossies, Audis, ST220's etc for less than 500, but as soon as i had a snotter of a Tranny it went up to 700 odd, commercial vehicle with seperate NCD.

cossiejay

because they know you cant drive lol