FabSwingers.com forum: Car insurance

By *icolerobbie OP Couple
over a year ago

walsall

I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

Reply privately

Reply in forum

Reply +quote

By *r-8-BBCMan
over a year ago

LONDON

"I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

Location?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I've heard this a lot recently.

I just renewed mine... My insurer wanted to put it up like 30% (as they do)... Got a comparision quote for the same as I pay now.

Reply privately

Reply in forum

Reply +quote

By *icolerobbie OP Couple
over a year ago

walsall

"I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

Location?"

Might be, the West Midlands is a hotbed for car crime, and every other crime it seems, but our cars aren’t the desirable high risk cars like range rovers etc.

Reply privately

Reply in forum

Reply +quote

By *wisted999Man
over a year ago

North Bucks

Mine came in cheaper this. Ok by £7 but it was enough to stop me having the hassle of shopping around.

Reply privately

Reply in forum

Reply +quote

By *icolerobbie OP Couple
over a year ago

walsall

"I've heard this a lot recently.

I just renewed mine... My insurer wanted to put it up like 30% (as they do)... Got a comparision quote for the same as I pay now."

Yes, tried that, but the comparisons are around the same as the renewals.

They always seem to try their hand at renewal time, but this time it looks like they are all sticking together.

Reply privately

Reply in forum

Reply +quote

By *icolerobbie OP Couple
over a year ago

walsall

"Mine came in cheaper this. Ok by £7 but it was enough to stop me having the hassle of shopping around. "

I’m moving to north bucks….

Reply privately

Reply in forum

Reply +quote

By *ineBigOnesMan
over a year ago

Corwen

I was of paying £800 annual, and I've just renewed, adding a fourth years no claims and it's gone up to £1000 annually! Coundnt even find a cheaper quote!

Reply privately

Reply in forum

Reply +quote

By *oft_SensualTV/TS
over a year ago

Yorkshire

Greedflation- pure and simple.

Reply privately

Reply in forum

Reply +quote

By *iercedItMan
over a year ago

Mcr

My renewal has been pretty solid the last few years but this year I'm expecting the worst.

Start new quotes from 60 days before renewal, there is a sweet spot it's usually between. 15-45 days before, where you get a deal (this has been true each year) but never leave it to the last minute, the closer your renewal date the bigger their strap on..

Reply privately

Reply in forum

Reply +quote

By *r-8-BBCMan
over a year ago

LONDON

"I was of paying £800 annual, and I've just renewed, adding a fourth years no claims and it's gone up to £1000 annually! Coundnt even find a cheaper quote!

What car do you drive if you don't mind me asking ?

Reply privately

Reply in forum

Reply +quote

By *wisted999Man
over a year ago

North Bucks

"Mine came in cheaper this. Ok by £7 but it was enough to stop me having the hassle of shopping around.

I’m moving to north bucks…."

The £7 soon gets swallowed up in the cost of living round here.

Reply privately

Reply in forum

Reply +quote

By *entlemanrogueMan
over a year ago

Motherwell

"I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

Insurance companies are theiving scum.

Reply privately

Reply in forum

Reply +quote

By *cottish guy 555Man
over a year ago

London

There's been a lot of cars stripped when parked in Birmingham I read recently. Not high end stuff either

Reply privately

Reply in forum

Reply +quote

By *assy69Man
over a year ago

West Sussex and Wales

"I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

My insurance for my little campervan went up 50% this year as well……. Nothing has changed since last year …… was a bit shocked

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Mines not bad

Fully comp

No claims

Courtesy car

Rac

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

The more you add the more increments

Sure insurance is going to be terrible come November for me

Reply privately

Reply in forum

Reply +quote

By *icolerobbie OP Couple
over a year ago

walsall

"There's been a lot of cars stripped when parked in Birmingham I read recently. Not high end stuff either

This is very true, they seem to target small Toyotas, peugeots and the like.

Car cannibals! How to they take them apart without anyone noticing?

Mechanics would charge loads to do that much taking to bits!

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Speak to your insurer. I did and a couple of things had changed like dont need biz cover, lower annual mileage. Mine went down over £100 from the renewal figure.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Had new age travellers sit on my bonnet thursday night in Folkestone. Neighbour told me. No damage but I am not happy.

Reply privately

Reply in forum

Reply +quote

By *opetop4UMan
over a year ago

Aberdeen

"I was of paying £800 annual, and I've just renewed, adding a fourth years no claims and it's gone up to £1000 annually! Coundnt even find a cheaper quote!

That's outrageous.

My kids only paid £600 when they passed their tests aged seventeen.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

Mine went for £395 to £1505 (the renwewal), I phoned them and just laughed. Went on comparison site and the cheapest was them for £400. Phoned them back and told them it could be free and id not go with them.

Got next cheapest for £405

Reply privately

Reply in forum

Reply +quote

By *icolerobbie OP Couple
over a year ago

walsall

"I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

Got next cheapest for £405"

Now that is a piss take.

I did the comparisons though and nothing in it.

Reply privately

Reply in forum

Reply +quote

By *icolerobbie OP Couple
over a year ago

walsall

"I was of paying £800 annual, and I've just renewed, adding a fourth years no claims and it's gone up to £1000 annually! Coundnt even find a cheaper quote!

That's outrageous.

My kids only paid £600 when they passed their tests aged seventeen."

Blimey when was that!

Reply privately

Reply in forum

Reply +quote

By *ris GrayMan
over a year ago

Dorchester

"I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

"
nope everyone and i mean everyone has hiked up the cost significantly, i always move to a different company if the price goes up because it should come down if you don't claim

Reply privately

Reply in forum

Reply +quote

By *0astMan
over a year ago

Discovering

Found Direct line to be cheaper over the last couple of years.

Reply privately

Reply in forum

Reply +quote

By *icolerobbie OP Couple
over a year ago

walsall

"Found Direct line to be cheaper over the last couple of years. "

I haven’t tried them, I’ll give them a go later. Thanks

Reply privately

Reply in forum

Reply +quote

By *ris GrayMan
over a year ago

Dorchester

Direct line have always been more expensive for me

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Go to MSE on line, they do they best range of quotations and variety of add ons.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

All insurance is likely to rise but car insurance at the moment especially. The industry is in a hard market at the moment meaning rates are up. Repair costs have increased massively in the last few years. Labour costs have increased due to lack of EU workers plus the additional skills needed for electric vehicle work. Cost of new and used cars have increased and the available has decreased. 99% of people will see a big increase on renewals. If you’ve had a claim it could be huge

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Much happier wuth you sitting on the bonnet ??????

Reply privately

Reply in forum

Reply +quote

By *opetop4UMan
over a year ago

Aberdeen

"I was of paying £800 annual, and I've just renewed, adding a fourth years no claims and it's gone up to £1000 annually! Coundnt even find a cheaper quote!

That's outrageous.

My kids only paid £600 when they passed their tests aged seventeen.

Blimey when was that!"

Three years ago.

It was even lower with a black box.

I have been cycling for two years but my last policies cost around £200

Reply privately

Reply in forum

Reply +quote

By *opetop4UMan
over a year ago

Aberdeen

Direct line aren't on comparison sites.

Reply privately

Reply in forum

Reply +quote

By *ndycoinsMan
over a year ago

Whaley Bridge,Nr Buxton,

"I have just had renewals for our car insurance and the cost has increase by over 50%.

No fines, no claims, nothing on our part for the increase.

Just had a quick shop around on the comparisons and the quotes are actually competitive.

What’s going on here? That’s not inflation running at 10%

Increasing numbers of un-insured drivers is the primary cause,add to that car crime and the lack of Police success in tackling it in your force area,and very weak sentencing when they do.The getaway driver (one of the chuckle brothers) for the moron who tried a smash 'n grab on my shop was on a 12 month driving ban,so for driving without insurance he got nothing,for driving while disqualified he got another 6 months.

Reply privately

Reply in forum

Reply +quote

By *om and JennieCouple
over a year ago

Chams or Socials

I’ll be looking at renewing soon & adding a learner driver - not hopeful!!

J x

Reply privately

Reply in forum

Reply +quote

By *ndycoinsMan
over a year ago

Whaley Bridge,Nr Buxton,

"I’ll be looking at renewing soon & adding a learner driver - not hopeful!!

J x "

Adding a learner isnt too bad because they have to be supervised by a full licence holder

Reply privately

Reply in forum

Reply +quote

By *opetop4UMan
over a year ago

Aberdeen

"I’ll be looking at renewing soon & adding a learner driver - not hopeful!!

J x

Adding a learner isnt too bad because they have to be supervised by a full licence holder"

That's correct. The big jump is when they pass their test.

Reply privately

Reply in forum

Reply +quote

By *icolerobbie OP Couple
over a year ago

walsall

"I’ll be looking at renewing soon & adding a learner driver - not hopeful!!

J x

Adding a learner isnt too bad because they have to be supervised by a full licence holder

That's correct. The big jump is when they pass their test."

I can’t believe what some young drivers have to pay!

Reply privately

Reply in forum

Reply +quote

By *om and JennieCouple
over a year ago

Chams or Socials

"I’ll be looking at renewing soon & adding a learner driver - not hopeful!!

J x

Adding a learner isnt too bad because they have to be supervised by a full licence holder

That's correct. The big jump is when they pass their test.

I can’t believe what some young drivers have to pay!"

It’s scary! God knows how we’ll afford it

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

OP, only down the Road here..

I had my Ins jump up £450 (nearly Double) for the Renewal..

Phoned and spoke to them and was Honest, I'd had a prang where I'd reversed into Someone to be told "Protected no claims is only a Number, we don't pay any attention to it" !! So, I did some shopping around and a Kangaroo themed place only Quoted me 8 quid more than I was already paying with the same benefits!! I think I bit their hand off!

And after all that, the Original Ins company sent me "Proof of NCB" and the Other Driver never even claimed !!!!!!

Reply privately

Reply in forum

Reply +quote

By *orace99Man
over a year ago

York

Mine went up £200 so called them and got it reduced by £130. Said I wanted to stay with them so hadn't looked around yet to give them the opportunity to find me a better deal.

Also saved me that increased up front payment.

Reply privately

Reply in forum

Reply +quote

By *obilebottomMan
over a year ago

All over

You need yp shop around at the optimum time and then haggle with your current insurance. A lot of them will bring the renewal quote down if you threaten to leave. Some also hive extra 15% or so off if you also have house insurance with them. If you are comparing insurances remember to also check one or two that are not on comparison sites. A quick search will reveal those. Mine went up £200 but spoke to them after doing my homework and they matched.

Reply privately

Reply in forum

Reply +quote

By *isfits behaving badlyCouple
over a year ago

Coventry

Strange. Nothing has changed for me and my renewal is about £20 more this year. That seems OK on last year when you account for rapid inflation. I shopped around and they were still one of the cheapest. I could have got a bit cheaper but the level of cover and quality of service wasn't worth the £20 saving.

I can only assume some trend or calculation has changed for your situation since last year in terms of how insurance risk is calculated. Maybe you demographic has become riskier. Maybe your area had become worse for crime or road accidents. Maybe others diving the same vehicle as you have been having more accidents. Insurance risk calculation can be a very fickle and seemingly unfair (even if statistically perfectly logical).

Reply privately

Reply in forum

Reply +quote

Post new Message to Thread