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"10 odd years no claims and mines 600 for the year " Jesus that’s expensive  | |||
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"10 odd years no claims and mines 600 for the year Jesus that’s expensive "I thought it wasn’t bad for an almost brand new car | |||
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"10 odd years no claims and mines 600 for the year Jesus that’s expensive
I thought it wasn’t bad for an almost brand new car "I remember when I first passed my test and grown ups were paying £150 for the year with less no claims than you. But then, a full tank of petrol cost me £35 back then too
Showing my age | |||
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"A friend of mine’s granddaughter has just passed their test, think they are 17 or 18, has a 10 year old Citroen, a C1 is the model I think. Insurance quote was 2500 without blackbox or 1300 with the blackbox. At the other end of the scale a 90 year old, who is in excellent health, fully aware, with an excellent insurance/driving record has had to sell his car because nobody will insure him anymore. " Then you’ll just have to get yourself a bicycle  | |||
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"A friend of mine’s granddaughter has just passed their test, think they are 17 or 18, has a 10 year old Citroen, a C1 is the model I think. Insurance quote was 2500 without blackbox or 1300 with the blackbox. At the other end of the scale a 90 year old, who is in excellent health, fully aware, with an excellent insurance/driving record has had to sell his car because nobody will insure him anymore. Then you’ll just have to get yourself a bicycle "I’ve just deleted the reply I was going to post, I’ve not long returned from a 5 day ban, don’t need a repeat of that.  | |||
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"A friend of mine’s granddaughter has just passed their test, think they are 17 or 18, has a 10 year old Citroen, a C1 is the model I think. Insurance quote was 2500 without blackbox or 1300 with the blackbox. At the other end of the scale a 90 year old, who is in excellent health, fully aware, with an excellent insurance/driving record has had to sell his car because nobody will insure him anymore. Then you’ll just have to get yourself a bicycle
I’ve just deleted the reply I was going to post, I’ve not long returned from a 5 day ban, don’t need a repeat of that. "I thought the forums were quieter! I’ll stop the cheek | |||
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"A friend of mine’s granddaughter has just passed their test, think they are 17 or 18, has a 10 year old Citroen, a C1 is the model I think. Insurance quote was 2500 without blackbox or 1300 with the blackbox. At the other end of the scale a 90 year old, who is in excellent health, fully aware, with an excellent insurance/driving record has had to sell his car because nobody will insure him anymore. Then you’ll just have to get yourself a bicycle
I’ve just deleted the reply I was going to post, I’ve not long returned from a 5 day ban, don’t need a repeat of that. "What speed were you driving at? | |||
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"My lad is a learner driver, he's 19, and was quoted over five thousand pounds a year. He's a level 3 HGV apprentice and so being able to drive would be advantageous. But there's no chance on his wages. " For learner drivers Marmalade pay-per-mile is cheapest | |||
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"My 17 Yr olds will be 3.2k" I’ll take two | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote" can't really do that on my 17 year old daughters quote. Plus lying on insurance is never a good thing Cali | |||
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"My lad is a learner driver, he's 19, and was quoted over five thousand pounds a year. He's a level 3 HGV apprentice and so being able to drive would be advantageous. But there's no chance on his wages. For learner drivers Marmalade pay-per-mile is cheapest " They weren’t cheapest for either of our children but came highly recommended J x | |||
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"1st ping in 30years of driving and 18year old boy showing of hit my car.. dont think youngsters care. Why, cause mum & dad will bail them out and the young thing doesnt claim on his car insurance. Rant over" I’ve just had to pay just over 6k a year for my 18y/o son!!! | |||
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"Jesus." Absolute disgrace x That’s was after a black box policy got cancelled for no reason whatsoever | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote" A) thats insurance fraud, if you get found out- good luck with ever getting any sort of insurance for the rest of your life B) If you have a crash, guess who will be paying for everything out fo their own pocket for a long, long time- regardless of fault  | |||
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"Looks like we could end up with eleci car future, but no one knowing how to drive!!!" Be cheaper getting a lekky bike!! lol | |||
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"Mine was around £200 fully comp on my last renewal. " Im movin to by you £200 bargin | |||
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"Mine was around £200 fully comp on my last renewal. Im movin to by you £200 bargin" lol… I’ll come with you hah | |||
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"Looks like we could end up with eleci car future, but no one knowing how to drive!!!" Our 21yo son isn't learning yet, due to the high costs. | |||
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"Mine was around £200 fully comp on my last renewal. Im movin to by you £200 bargin lol… I’ll come with you hah" Im havin a bedroom u can have the pullout bed  | |||
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"Mine was around £200 fully comp on my last renewal. Im movin to by you £200 bargin lol… I’ll come with you hah Im havin a bedroom u can have the pullout bed "I’ll settle for the couch.. couch sleeping is underrated x | |||
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"This is something I will be dealing with this year, my lad will be learning to drive this year and dreading the insurance " I added my youngest to my policy for @£175 I think - I know it doubled my policy. His dad bought him a car & has insured it but I dread to think what it’ll be when he passes. Or how he’ll pay for it!! My eldest managed to get his down to less than £700 last year & should get 5 years no claims when he renews | |||
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"Car insurance is something that’s heavily effected by a lot of the things going on in the world today Inflation, brexit, better tech in cars, more need for replacement car while yours is getting fixed, and all of these are heavily effected by the war in Ukraine " Indeed. There is a lot of costs that factor in to insurance, all of which have increased. 2 new costs are coming or slowly being phased in. . 1. Windscreen cover in being decoupled (in many cases it already is), so will be treated separately. A wider moved across all insurers eventually. 2. Higher premiums, because less policies are being sold, because fewer can afford it. So more uninsured vehicles on the road. Which raises the premium for everyone else. | |||
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"Anyone else think that these insurance companies are absolutely out of order £2300 for a 20 year old .. what's your thoughts ?" well they have no experience, they drive too fast and have no idea of peripheral vision so although £2,300 is expensive i guess the idea is they get some of their money back when they have an accident | |||
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"My 17 Yr olds will be 3.2k" Will you pay it | |||
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"My lad is a learner driver, he's 19, and was quoted over five thousand pounds a year. He's a level 3 HGV apprentice and so being able to drive would be advantageous. But there's no chance on his wages. For learner drivers Marmalade pay-per-mile is cheapest " Ah thank you, we'll look into that. | |||
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"Anyone else think that these insurance companies are absolutely out of order £2300 for a 20 year old .. what's your thoughts ?" Completely agree and think it terrible profiteering. People understand a higher rate charge is needed but that rate has unjustifiable become excessively large. They know they have parents and youngsters over a barrel, as it’s a necessity if having to travel long distances or for a lot of young people to help get a foot in the door when applying for jobs. It really does seem to make a difference with job applications and coming across as a more viable candidate. Seen it for myself a fair few times. Having a car can also sometimes help young people get started in other ways as well. One example being it can help with demonstrating that someone is a suitable person to lend to as they’ve had a car on finance and kept up with the payments or paid it off. None this means though if you don’t have a car people are locked out from getting on in life but having a car you can drive does help x | |||
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"I’ve been driving for 17 years and mine is still over £1000 a year. Partly because of high miles and partly because of my post code. The thing is, they’ve got you by the throat because it’s mandated. So they can charge what they like " Absolutely agree with you and think that’s the problem as well. They know they have people over a barrel and with the law as it is, it allows and almost promotes insurance companies to exploit customers. There no restriction to stop them and there nothing the customer can do so they think why not | |||
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"Looks like we could end up with eleci car future, but no one knowing how to drive!!! Our 21yo son isn't learning yet, due to the high costs." Where I work we are finding a lot of younger new starters aren't driving yet because of the prohibitive costs and it's becoming quite difficult as we are very rural in our location and no public transport can get them to work in time for their shifts to start. | |||
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"Sorry O.P. ....... to answer your question £2,300 is extortionate and to me quite dishonest. It's almost 200 per month. Which 20 year old earns enough to let 200 per month go in car insurance alone. I get that most accidents are caused by young drivers ( that's stats fact not my opinion ) but if we keep them off the road through making it too expensive , how will they ever learn ? Their lesson and test pass proved them competent, they should not be charged more. Nothing annoys me more than stereotyping and to say ALL youngsters should pay for all other youngsters is stereotyping. I don't like assumptions made about any group in society. Maybe after their FIRST accident if they are proven at fault THEN hike their insurance up but the innocent should not be penalised. " That’s not how insurance works - you _have_ to take the average cost of a group of people and then use that for everyone as you don’t know who will be the one to cause the accident. If you wait until they have an accident it is too late. The youngsters who do suffer are the females who have much lower accident rates but because sex discrimination is illegal then they have to go into the same age group as the males. | |||
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"Sorry O.P. ....... to answer your question £2,300 is extortionate and to me quite dishonest. It's almost 200 per month. Which 20 year old earns enough to let 200 per month go in car insurance alone. I get that most accidents are caused by young drivers ( that's stats fact not my opinion ) but if we keep them off the road through making it too expensive , how will they ever learn ? Their lesson and test pass proved them competent, they should not be charged more. Nothing annoys me more than stereotyping and to say ALL youngsters should pay for all other youngsters is stereotyping. I don't like assumptions made about any group in society. Maybe after their FIRST accident if they are proven at fault THEN hike their insurance up but the innocent should not be penalised. " All insurance, whether vehicle, health or property, is based on risk, new drivers are high risk, this is not an assumption, this is reality. Are the very high premiums justified, I don’t know, it does seem very steep and is probably contributing to the numbers of people willing to take the chance and drive without insurance. I do think that the reductions for schemes like the black box could be more generous. | |||
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"My insurance has just rose by £250 from last year Thank all the electric cars on the road that cost a hell of a lot more to repair on insurance claims. * Prove me wrong. " This is correct - cars like Tesla have effectively made the batteries part of the chassis which means that even a minor issue with the battery and the _entire_ car needs to be junked. It is costing a fortune and doesn’t sound very environmentally friendly. | |||
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"£192 per year for me n my car. There's no gloating here !" i always paid well under £200 for fully comp insurance but as soon as lockdown hit everyone took the opportunity to hike insurance so now i pay £350,so from the new drivers perspective i do think £2,300 is expensive but their are ways to reduce it, like the black box which is no different than the trackers you get in works vans or get your dad to have you on his insurance as a named driver | |||
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"£192 per year for me n my car. There's no gloating here !" Jesus thats good | |||
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"My insurance has just rose by £250 from last year Thank all the electric cars on the road that cost a hell of a lot more to repair on insurance claims. * Prove me wrong. This is correct - cars like Tesla have effectively made the batteries part of the chassis which means that even a minor issue with the battery and the _entire_ car needs to be junked. It is costing a fortune and doesn’t sound very environmentally friendly." There’s an impact when major changes take place. MAJOR. And it’s been thrown at everyone this big change. Look how the internet and smartphones changed the shopping landscape in such a short time. All cars to be zero emissions before 2030. that’s some change.  and car manufacturers have put all their eggs into going electric. We were nowhere near ready. | |||
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"£192 per year for me n my car. There's no gloating here ! Jesus thats good" 16 a month with flow .... | |||
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"After I turned 50, I searched around when my renewal seemed a bit steep. Cheapest was with saga...so I went with them after my initial outrage subsided " Embrace the benefits of the fantastic fifties | |||
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"My lad is a learner driver, he's 19, and was quoted over five thousand pounds a year. He's a level 3 HGV apprentice and so being able to drive would be advantageous. But there's no chance on his wages. For learner drivers Marmalade pay-per-mile is cheapest Ah thank you, we'll look into that. " Looked into it but they want a copy of the vehicle log book. Sounds dodgy to me as you can steal a car using those details so I won't use them. My insurance was £190 per year. Doubled to add my 17 year old as a learner. Now she has passed her test the insurers wanted £800 extra for the remaining 7 weeks of the policy so I had to remove her and so passing her test means she now is not allowed to drive. | |||
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"At the moment it’s a license to print money for the insurance companies. If the government makes it a law to have insurance then they must regulate it. " Good idea but never going to happen.too many deep pockets with snouts in the gravy train!!!!!!! | |||
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"10 odd years no claims and mines 600 for the year Jesus that’s expensive "Unfortunately I think no claims bonus maxes out after about 9 years. | |||
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"Anyone else think that these insurance companies are absolutely out of order £2300 for a 20 year old .. what's your thoughts ?" My first car insurance in 2008 was £1650. Excess was £500 in total. 12000 miles SDLC. VW Passat. I’ve got 13 years NCD. No claims in past 3 years. I have a 2 litre diesel VW SUV. My insurance in 2021/22 was £764 with 15000 miles SDLC. £200 excess overall. Protected NCD. Courtesy car, legal cover, personal injury options selected. My 22/23 renewal was £688 with same insurer. Only difference was I had a windscreen repair in 2022. My 23/24 renewal was quoted at £1825.98. In Nov 2023 my neighbour reversed into my car & claimed liability. It was a non fault claim with full recovery on third party. I shopped around and found policies between £1100-£2400 depending on if I opted for tracker or not. I ended up calling my insurer to ask the situation and they advised me prices had gone up across the industry because of inflation, brexit, Ukraine war causing supply issues which all increased cost of premiums. I eventually got my renewal price down for 23/24 to £1261 but only by accepting to increase my overall excess to £450 & price matching my insurer down with other online prices on the comparison websites. Personally, I think it’s insurers, the repair garage network profiteering + recovering monies lost during Covid + covering costs paid to workforce for cost of living crisis + energy costs being charged back on mass for gas/electricity which sadly means we get screwed as drivers. I’d worked out the peak average inflation across Uk + Europe & estimated my renewal probably should have been nearer £970ish. If your son/daughter is looking for insurance, you trust them NOT to speed, use phone whilst driving or drive mostly at night then I’d probably be thinking long & hard about the insurance policies with a tracker fitted. The premiums are lower & can help save costs for new drivers getting insured. It may also be worth thinking of the age of the car your son/daughter gets as their first car. I’ve looked to get rid of my 4 year old car & get a 7-8 year SUV. I’ve noticed my insurance would be about £300 cheaper per year than my current car which seems nuts. However, I’d be paying for that no doubt in repairs, the massive hike in road tax due to the emissions & fuel usage inefficiencies with older cars. I’ve found “British” & Japanese manufacturers are cheaper for me on my insurance quotes vs German, Italian, French, Eastern Europe counterparts. | |||
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"My insurance has just rose by £250 from last year Thank all the electric cars on the road that cost a hell of a lot more to repair on insurance claims. * Prove me wrong. " Before asking people to prove your statement wrong, provide some evidence. I am the richest person in the world. Prove me wrong... | |||
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"My insurance has just rose by £250 from last year Thank all the electric cars on the road that cost a hell of a lot more to repair on insurance claims. * Prove me wrong. Before asking people to prove your statement wrong, provide some evidence. I am the richest person in the world. Prove me wrong..." Motoring organisations,trade governing bodies of vehicle repair garages etc have spoken of the higher cost of repairing electrics for a couple of years.Biggest cost factor is the small number of mechanics qualified to work on an EV.Those that are can charge what they want.Recovery of an EV from an accident is more expensive because it needs to be proven to be electronically safe.A friend had to pay over £300 for recovery,then it had to go in a monitored compound at £70 a day because of the electrical fire risk. | |||
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"Looks like we could end up with eleci car future, but no one knowing how to drive!!! Our 21yo son isn't learning yet, due to the high costs. Where I work we are finding a lot of younger new starters aren't driving yet because of the prohibitive costs and it's becoming quite difficult as we are very rural in our location and no public transport can get them to work in time for their shifts to start. " Our son is finding it hard because he works all sorts of hours and despite it only being semi rural here, we only have buses (no train station nearby and no trams anywhere) and they don't start until 05:30 ish. However that's too late for some of his shifts and also if he finishes after 23:00, he'll miss the last buses home (has to take 2). He gets around it by bunking with friends in student digs in the city centre but that option will soon be gone. | |||
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"Sorry O.P. ....... to answer your question £2,300 is extortionate and to me quite dishonest. It's almost 200 per month. Which 20 year old earns enough to let 200 per month go in car insurance alone. I get that most accidents are caused by young drivers ( that's stats fact not my opinion ) but if we keep them off the road through making it too expensive , how will they ever learn ? Their lesson and test pass proved them competent, they should not be charged more. Nothing annoys me more than stereotyping and to say ALL youngsters should pay for all other youngsters is stereotyping. I don't like assumptions made about any group in society. Maybe after their FIRST accident if they are proven at fault THEN hike their insurance up but the innocent should not be penalised. That’s not how insurance works - you _have_ to take the average cost of a group of people and then use that for everyone as you don’t know who will be the one to cause the accident. If you wait until they have an accident it is too late. The youngsters who do suffer are the females who have much lower accident rates but because sex discrimination is illegal then they have to go into the same age group as the males." remember "Sheila's wheels",a firm that recognised the lower accident rates of women and priced accordingly,closed down because it was discriminatory. | |||
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"Anyone else think that these insurance companies are absolutely out of order £2300 for a 20 year old .. what's your thoughts ?" No. Not all. I agree insurance is OTT but like most things. Depends on many things. No claim bonus. Postcode On road/garage Type of car Any moderations | |||
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"Anyone else think that these insurance companies are absolutely out of order £2300 for a 20 year old .. what's your thoughts ? No. Not all. I agree insurance is OTT but like most things. Depends on many things. No claim bonus. Postcode On road/garage Type of car Any moderations " Plus their claim will be higher and more likely to have an accident. | |||
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"Sorry O.P. ....... to answer your question £2,300 is extortionate and to me quite dishonest. It's almost 200 per month. Which 20 year old earns enough to let 200 per month go in car insurance alone. I get that most accidents are caused by young drivers ( that's stats fact not my opinion ) but if we keep them off the road through making it too expensive , how will they ever learn ? Their lesson and test pass proved them competent, they should not be charged more. Nothing annoys me more than stereotyping and to say ALL youngsters should pay for all other youngsters is stereotyping. I don't like assumptions made about any group in society. Maybe after their FIRST accident if they are proven at fault THEN hike their insurance up but the innocent should not be penalised. That’s not how insurance works - you _have_ to take the average cost of a group of people and then use that for everyone as you don’t know who will be the one to cause the accident. If you wait until they have an accident it is too late. The youngsters who do suffer are the females who have much lower accident rates but because sex discrimination is illegal then they have to go into the same age group as the males. remember "Sheila's wheels",a firm that recognised the lower accident rates of women and priced accordingly,closed down because it was discriminatory."And actually exploited some gullible females by charging more for cover. | |||
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"__________ Only a suggestion... but, if everyone commenting / moaning about insurance costs etc, took the time to write a letter to their MP asking for questions to be raised in parliament it might, just might, persuade insurance companies to revise their pricing policies... As has been said above, governments make it compulsory to have car insurance, so should they also be made to show some interest in costs? _________ " Hate to say it but no political party would have any interest in lowering car insurance prices for the simple reason the more car insurance firms earn the more tax they pay to the government! Also, there's also the issue that (in theory) that political parties want to reduce the number of vehicles on the road (Net Zero!), although in practice they don't (cos of the money!) | |||
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"__________ Only a suggestion... but, if everyone commenting / moaning about insurance costs etc, took the time to write a letter to their MP asking for questions to be raised in parliament it might, just might, persuade insurance companies to revise their pricing policies... As has been said above, governments make it compulsory to have car insurance, so should they also be made to show some interest in costs? _________ Hate to say it but no political party would have any interest in lowering car insurance prices for the simple reason the more car insurance firms earn the more tax they pay to the government! Also, there's also the issue that (in theory) that political parties want to reduce the number of vehicles on the road (Net Zero!), although in practice they don't (cos of the money!)" If people _really_ think that insurance companies are profiteering and that they are making easy money then they should set up their own insurance companies and then show everyone how it is done. Think of all that money that you could redistribute back to good causes because apparently you just open your doors and then roll in all that cash that pours in. I fear that it might not be as easy as some people wish. | |||
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"My insurance has just rose by £250 from last year Thank all the electric cars on the road that cost a hell of a lot more to repair on insurance claims. * Prove me wrong. Before asking people to prove your statement wrong, provide some evidence. I am the richest person in the world. Prove me wrong..." Oh please. Don’t be one of them. | |||
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"__________ Only a suggestion... but, if everyone commenting / moaning about insurance costs etc, took the time to write a letter to their MP asking for questions to be raised in parliament it might, just might, persuade insurance companies to revise their pricing policies... As has been said above, governments make it compulsory to have car insurance, so should they also be made to show some interest in costs? _________ Hate to say it but no political party would have any interest in lowering car insurance prices for the simple reason the more car insurance firms earn the more tax they pay to the government! Also, there's also the issue that (in theory) that political parties want to reduce the number of vehicles on the road (Net Zero!), although in practice they don't (cos of the money!) If people _really_ think that insurance companies are profiteering and that they are making easy money then they should set up their own insurance companies and then show everyone how it is done. Think of all that money that you could redistribute back to good causes because apparently you just open your doors and then roll in all that cash that pours in. I fear that it might not be as easy as some people wish." Of course they profiteer. They’re in business to do that, not make a loss. Business isn’t easy | |||
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"when I started driving at 18 yrs old (29yrs ago) I was £780 TPFT for a F-Reg 1.2 Vauxhall Nova Merit with the policy in my name , now that was a lot " Novas were considered "boy racer" cars and so considered high risk, I understand. | |||
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"when I started driving at 18 yrs old (29yrs ago) I was £780 TPFT for a F-Reg 1.2 Vauxhall Nova Merit with the policy in my name , now that was a lot Novas were considered "boy racer" cars and so considered high risk, I understand." Mine was the big Saloon version , as un-sporty as it could get but hey , it was Freedom | |||
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"when I started driving at 18 yrs old (29yrs ago) I was £780 TPFT for a F-Reg 1.2 Vauxhall Nova Merit with the policy in my name , now that was a lot " My first car was a beaten up Renault 5 cost me £250 and the insurance was £550tpft. Now I think if you compare it to today's it's probably about the same. Two years later I purchased a Capri 3 ltr S I could only get third party only £750 car only cost me £150 ( probably be worth about 20k now) But like I said right at the start of the thread, new drivers now are all spoilt and want to drive brand new car's so it's hardly surprising that the insurance is sky high when you have an 18 yo Newly passed driving around in a car worth 20k plus. It used to be new drivers had a right of passage starting with a cheap piece of crap working up to a decent car after about 5 years. Unfortunately the government is making it virtually impossible to get a cheap car with all the changes to emissions and taxation. Used to be plenty of car's drivable and safe for around £500 now you are lucky to get the same thing for under £3000. So I kinda understand why new drivers go for an expensive car but it's pushing premiums up for everyone. And the stupid cuntish EVs | |||
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"A friend of mine’s granddaughter has just passed their test, think they are 17 or 18, has a 10 year old Citroen, a C1 is the model I think. Insurance quote was 2500 without blackbox or 1300 with the blackbox. " Having seen how lots of teenagers drive I'm not surprised at the price. Remember they are not just covering the car of the insured person but damage to another car which could be worth 10 - 50 times as much or indeed buildings. Two drivers collided near me recently going fast through town (one for sure was a young driver) and took out the front of a pub and corner of an adjacent house. Probably two cars written off and £10-20k for building repairs. | |||
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"10 odd years no claims and mines 600 for the year " try 44 yrs and mine as gone up by 180 quid do less than 4000 miles a year and that cost me 400 quid if it wasn't for my job I wouldn't bother with it. | |||
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"Anyone else think that these insurance companies are absolutely out of order £2300 for a 20 year old .. what's your thoughts ?" It's not just an age thing, I out of interest looked at cost of insuring my mums car for example 64 plate dacia as a new driver aged 45...... Prices went from 1800 with a black box to 10k
It's nuts! | |||
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"when I started driving at 18 yrs old (29yrs ago) I was £780 TPFT for a F-Reg 1.2 Vauxhall Nova Merit with the policy in my name , now that was a lot My first car was a beaten up Renault 5 cost me £250 and the insurance was £550tpft. Now I think if you compare it to today's it's probably about the same. Two years later I purchased a Capri 3 ltr S I could only get third party only £750 car only cost me £150 ( probably be worth about 20k now) But like I said right at the start of the thread, new drivers now are all spoilt and want to drive brand new car's so it's hardly surprising that the insurance is sky high when you have an 18 yo Newly passed driving around in a car worth 20k plus. It used to be new drivers had a right of passage starting with a cheap piece of crap working up to a decent car after about 5 years. Unfortunately the government is making it virtually impossible to get a cheap car with all the changes to emissions and taxation. Used to be plenty of car's drivable and safe for around £500 now you are lucky to get the same thing for under £3000. So I kinda understand why new drivers go for an expensive car but it's pushing premiums up for everyone. And the stupid cuntish EVs " There are very few functioning, safe, used cars knocking about now. Everything is super expensive. We've ended up paying far more for a used car than we ever dreamed because otherwise, there was nothing automatic and big enough for my mobility needs, that wasn't a beat up pile of scrap. | |||
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"__________ Only a suggestion... but, if everyone commenting / moaning about insurance costs etc, took the time to write a letter to their MP asking for questions to be raised in parliament it might, just might, persuade insurance companies to revise their pricing policies... As has been said above, governments make it compulsory to have car insurance, so should they also be made to show some interest in costs? _________ Hate to say it but no political party would have any interest in lowering car insurance prices for the simple reason the more car insurance firms earn the more tax they pay to the government! Also, there's also the issue that (in theory) that political parties want to reduce the number of vehicles on the road (Net Zero!), although in practice they don't (cos of the money!)" ______ You're probably right, but 5 min to write a letter, 2nd class stamp, get it in the post box to your MP... can it do any harm? But it's easier for folk to have a moan on here than actually do anything about it! As has been suggested to me by PM, maybe it needs someone like Martin Lewis to get on board and raise it with insurance companies. Or the guy who does the petrol-price campaigns.. (can't remember his name, sorry). Maybe wishful thinking, but, if some MP was able to ask the right question in parliament that could trigger these big hitters to tackle the insurance industry head on. It has to start somewhere. ________ | |||
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"Could always be a bus wanker.... Mr " Except in rural areas buses are few and far between and in some of the villages by me that have to be booked to stop and even then they don't turn up. Evie | |||
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"Car insurance is not really based on vehicle, age, experience, location and claim history anymore. All your details are drilled into and its now based on a social credit score. Missed a CC payment recently +10%, work a job known for shift work, +10%. Drive an old car that would suggest you are skint and therefore more likely to a regular pub goer, +15%. When was the last time an insurance company asked how many kids you had as part of the quote? It not asked as you would have been seen as more likely to drive with caution and they don't do discounts anymore. Another issue is the government's insurance premium tax, nobody seems to complain to the government about that one though." We got car insurance quotes today via the online comparison sites, and we were asked about numbers of dependent children. | |||
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"My insurance is going up I'm 69 and not made a claim in 30yrs, but I'm now getting in the class of old age let's rip em off" Because as we get older we become more of a risk again. That’s why you have to re-apply for a licence | |||
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"Mine was around £200 fully comp on my last renewal. " Of course!look where you live. | |||
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"When the cost of insuring you car if 5 times the cost of the car, somethings wrong." Yes you must be driving a really cheap car
You are not insuring just your car but the damage you can do with it to another more expensive car or buildings etc. | |||
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"When the cost of insuring you car if 5 times the cost of the car, somethings wrong. Yes you must be driving a really cheap car
You are not insuring just your car but the damage you can do with it to another more expensive car or buildings etc. "This. The car may be worth £500, but it can still be crashed into an £80k car and kill the occupants. | |||
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"Car insurance is something that’s heavily effected by a lot of the things going on in the world today Inflation, brexit, better tech in cars, more need for replacement car while yours is getting fixed, and all of these are heavily effected by the war in Ukraine " Ah, the old "It's the fault of Brexit"! Is there no problem in the world that people won't blame on Brexit? | |||
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"Car insurance is not really based on vehicle, age, experience, location and claim history anymore. All your details are drilled into and its now based on a social credit score. Missed a CC payment recently +10%, work a job known for shift work, +10%. Drive an old car that would suggest you are skint and therefore more likely to a regular pub goer, +15%. When was the last time an insurance company asked how many kids you had as part of the quote? It not asked as you would have been seen as more likely to drive with caution and they don't do discounts anymore. Another issue is the government's insurance premium tax, nobody seems to complain to the government about that one though." As someone that works in insurance, including motor, and sees the pricing models, this is incorrect. I mean some of those things would help us work out how much of a risk someone is, but it’s not based on a ‘social credit score’. I don’t doubt that kind of thing has a bearing on other factors in your life but it’s not why your car insurance is going up | |||
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"Ok so everyone imagines insurers are coining it because of their own premium but looking at facts it's a different story. They lost money on car insurance in 2022 and 2023 most probably. If you look at money left after deducting cost of claims from premium in 2021 insurers made £3 for every £100 in premium income (this is before corporate costs/overheads) - the so called Net Combined Ratio was 97%. In 2022 they lost £9 and it seems in 2023 forecast to lose £8. This is driven by inflation hitting the cost of claims just like everywhere else and driving getting back to normal levels after the pandemic. After premium increases looks like 2024 will be back to £2-3 profit for every £100 in premiums - hardly huge profits. I think people underestimate their own risk and the cost of repairs when there is a problem, cost of a replacement car if a write-off (car prices have shot up). cost of replacement hire cars, etc. " Bingo | |||
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"I must live in a different world to most posters on here. £270 to insure a Merc SLK which is only slightly up on previous year due to speeding conviction." Mine is "only" £460 including breakdown cover and I've only got 3 years no claims and had one speeding conviction. I called out RAC on it recently and fixed a problem that would have cost me £100 to fix otherwise so good value really. | |||
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"Mines £500 and that's with 9 years no claims and goes up every year because of different costs and un insured drivers on the road , a lad who only past his test by a week slammed into a car by me not long ago and tried to do a runner but then hit another car when fleeing," lol and that's why youngsters have high premiums. I've only caused one crash in my life and I was 17. I'd been to to the funeral of one of my classmates and was feeling shit. Went round a corner way too fast and slid into another car. Nobody saw me do it. At that exact moment my ex-driving instructor appeared and told me to do a runner | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote" If you're not a teacher it will just give them an excuse not to pay out if you do claim and in fact incorrect data will nullify your policy so you'd get done for driving without insurance. The whole insurance industry is a scam. | |||
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"Ah, the old "It's the fault of Brexit"! Is there no problem in the world that people won't blame on Brexit?" It’s had a bad impact on the availability of parts made abroad, and pushed a lot of prices up. I’m not blaming it for Ukraine or the Middle East, but it’s screwed up a lot of things at home. Without Covid it would be a lot more apparent. | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote If you're not a teacher it will just give them an excuse not to pay out if you do claim and in fact incorrect data will nullify your policy so you'd get done for driving without insurance. The whole insurance industry is a scam. " Scam until in a crash and then it comes in handy | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote If you're not a teacher it will just give them an excuse not to pay out if you do claim and in fact incorrect data will nullify your policy so you'd get done for driving without insurance. The whole insurance industry is a scam. " Is it a scam, or is it just a business and so if you try and commit fraud they’ll not pay out? | |||
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" Ah, the old "It's the fault of Brexit"! Is there no problem in the world that people won't blame on Brexit?" It’s just easy to do because it’s caused so many problems and not one tangible benefit. But that’s another thread 
Brexit isn’t the only reason insurance has gone up but as stated above it has had a negative effect | |||
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So now paying extra 200 premium.
I fixed my car myself and took me about 15 minutes.
Apparently there's also no time limit, so next August when I have to renew, the same rip off merchants will be hijacking my bank account
So yes! Legalised robbers .. typical if this shit rip off UK | |||
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"Anyone else think that these insurance companies are absolutely out of order £2300 for a 20 year old .. what's your thoughts ?" 20 year olds are a high risk | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote If you're not a teacher it will just give them an excuse not to pay out if you do claim and in fact incorrect data will nullify your policy so you'd get done for driving without insurance. The whole insurance industry is a scam. Scam until in a crash and then it comes in handy "For them yes ... For you? | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote If you're not a teacher it will just give them an excuse not to pay out if you do claim and in fact incorrect data will nullify your policy so you'd get done for driving without insurance. The whole insurance industry is a scam. Scam until in a crash and then it comes in handy
For them yes ... For you? "If your car is written off, you should get the cost of the write off, if you have comprehensive insurance. | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote If you're not a teacher it will just give them an excuse not to pay out if you do claim and in fact incorrect data will nullify your policy so you'd get done for driving without insurance. The whole insurance industry is a scam. Scam until in a crash and then it comes in handy
For them yes ... For you?
If your car is written off, you should get the cost of the write off, if you have comprehensive insurance. "I was on comprehensive a few years ago. A guy crashed into the back of me , wrote both cars off and o got a shit deal from the insurance | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote If you're not a teacher it will just give them an excuse not to pay out if you do claim and in fact incorrect data will nullify your policy so you'd get done for driving without insurance. The whole insurance industry is a scam. Scam until in a crash and then it comes in handy
For them yes ... For you?
If your car is written off, you should get the cost of the write off, if you have comprehensive insurance.
I was on comprehensive a few years ago. A guy crashed into the back of me , wrote both cars off and o got a shit deal from the insurance "Yes, you often get less than you think your car is worth but surely that's better than absolutely nothing at all, which is what you'd get without insurance? It just shows how much dealers inflate prices on the forecourts. | |||
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"Best m8 lad who's 17 costs him 500 as a learner driver but once he passes his test looking at over 3500 .wit a rip off x" Presumably as a learner, with a qualified driver sat next to him, he's unlikely to rag it round? But stats apparently tell us newly qualified drivers, especially male ones, ARE more likely to rag round and cause an accident. It kinda makes sense to be much more expensive when the driver is no longer being supervised. | |||
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"Best m8 lad who's 17 costs him 500 as a learner driver but once he passes his test looking at over 3500 .wit a rip off x Presumably as a learner, with a qualified driver sat next to him, he's unlikely to rag it round? But stats apparently tell us newlyqualified drivers, especially male ones, ARE more likely to rag round and cause an accident. It kinda makes sense to be much more expensive when the driver is no longer being supervised. " Yes agree but most insurers want black box fitted so that speed is kept down and so is distance and mileage x | |||
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"I recently sold a quite powerful car - a 2.5l Turbo convertible - and when the buyer came to collect he filled out the V5 in his daughter's name... ....she's apparently a 17 year-old who's not yet passed her test - and for whom the insurance will almost certainly be well in excess of what he paid for the car... "He might not be insuring her to drive it. Could be other reasons why he is putting in her name but then perhaps insuring himself. | |||
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"Put your profession down as teacher, will make a difference, some job professions bumb up your quote If you're not a teacher it will just give them an excuse not to pay out if you do claim and in fact incorrect data will nullify your policy so you'd get done for driving without insurance. The whole insurance industry is a scam. Scam until in a crash and then it comes in handy
For them yes ... For you? "Well worked out for me a few years back when somebody crashed into me. They wrote off the car based on pics and within 5 hours of the crash I had the money in my bank account. My elderly mum caused a crash a few months ago and wrote off her car. It took a while but we were shocked at what they gave her - at least twice what we would have got by selling the car. Sorry it has been tricky for you but don't think the whole industry is a scam. They pay out most of the money they get in via premiums (and in 2022 and 2023 they've paid out more than they get in as per my post above). | |||
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"Best m8 lad who's 17 costs him 500 as a learner driver but once he passes his test looking at over 3500 .wit a rip off x" 17 year old boys just passed test are high risk - can't get away from it. It's not just the speed per se but how they drive, especially with mates in car. And even the best behaved are still learning and inexperienced on the road when faced with tricky situations. Only crash I have caused in almost 40 years of driving was then I was 17. Go figure. | |||
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"I'm 43 and just had my renewal go up over 100%. Ran my details through some comparison sites and got loads saying I'd need a black box!!!
Evie "Same. 21 years driving and its tripled to £1400 for a renewal. I can get it £1000 with a black box. Its embarrassing by the companies. | |||
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