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CAR INSURANCE

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

yes its in capital letters.. im sooooo mad!

Ive been driving since for 4 years now and my insurance for this year has gone up by £100?! what's that about?! no accidents and ive stayed with the same insurance company.. im blooming livid!

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

Mine has gone up too despite having 5 years no claims with the same company. A quick look on confused.com and I got a quote from AXA that was £120 less than my current insurance. I'm about to ring them and see if they will go lower.

Good luck with yours! It's worth having a shop around and trying to play a couple of insurers against each other

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By *irtyGirlWoman
over a year ago

Edinburgh

Mine too! 21 years driving, full no claims and it's gone up £120 from last year.

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

just done a Go compare search and they are all more expensive that my renewal with DirectLine.. oh man! MEH!!!

I have a really small car as it is with practicaly no engine and they still want me to pay £450 a year! JEEEESUS!

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

my insurance went up in jan so shopped around on the net and got a much cheaper quote .phoned current insurer told them i could get fully comp for what i'm paying you tpft and they gave me the same deal i found on the net .you have to shop around

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By *unky monkeyMan
over a year ago

in the night garden

Have you tried Sainsburys directly (not through a compare site)?

They always come out 50-100 snots cheaper than anyone else for me.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

Errr mine has gone up too and that is with no claims since I started driving in 1988 !!....I am guessing they are all putting them up.

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

This was on Watchdog, car insurance has roughly gone up by around 40%. My little Corsa went up from £298 to £550, nothing changed just the price. That was with 4 years no claims bonus and driving for 5 years. So i changed my car for something nice :p (not the only reason I changed it).

But OP if your complaining now then your really going to complain next year when the insurance companies are being made not to be sexist (finally!) by not having a risk factor because of sex. Meaning men and women will pay the same costs roughly for car insurance.

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

Everything is going up, not just car insurance.

Mine went down, mind you did change my car.

I am fed up with the UK, we seem to accept all these increase, we should do something aboutit more.

Being ripped off by everyone and getting taxed foreverythinginc oursavings.

UK sucks

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

My car Tax stayed the same £110 :D

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By *atisfy janeWoman
over a year ago

Torquay


"Everything is going up, not just car insurance.

Mine went down, mind you did change my car.

I am fed up with the UK, we seem to accept all these increase, we should do something aboutit more.

Being ripped off by everyone and getting taxed foreverythinginc oursavings.

UK sucks"

Have you ever tried insuring a car abroad?

If you think things are cheaper outside the UK you need to think again...

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By *i 1 Get 1 FreeCouple (MM)
over a year ago

birmingham


"ive stayed with the same insurance company"

Loyalty counts for nothing these days

I’m sure you have an insurance broker close to you, go use them to find you the best deal

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

The only price comparison website we ever seem to save money on is confused.com, especially when it comes to insurance, its gotten to the stage you have to change providers every year to get cheaper prices these days.

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

ive just spent a day ftrying to get a cheaper quote and yes there are loads of cheaper quotes out there but beware of some of the cheaper quotes they might not be much fun todeal with if you have a claim !!i checked out a few of the cheaper companies on a review website and steered well clear of them decided to go with santander they gave me 130 off my existing premium and full brakdown cover included protected noclaims legl assistance windscreen cover and courtesy car for 280 .i have a group 7 car so iwas happy with that

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

I found SAGA was cheapest for me...pays to be over fifty. Just put my son on my insurance for six months, he's twenty-five with seven years no claims, £37 ....a bargain!

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

They just changed the rules cos of high court ruling that says women can no longer get cheaper insurance, even though statistically we're safer drivers its sexist or something! i thought all insurance was worked out on stats and probabilities so i dont really know why they got that result, but it does mean that womens premiums have shot up

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By *atisfy janeWoman
over a year ago

Torquay


"They just changed the rules cos of high court ruling that says women can no longer get cheaper insurance, even though statistically we're safer drivers its sexist or something! i thought all insurance was worked out on stats and probabilities so i dont really know why they got that result, but it does mean that womens premiums have shot up "

I thought that was not until 2012?

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

supposed to be but in practice the insurance companies can do whatever they like cant they! just several women i know had massive hike straight after the news of the new rules.

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By *iamondsmiles.Woman
over a year ago

little house on the praire

£450 lol, my sons having driving lessons and nearly died at what the insurance is going to cost me when he passes,

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


"£450 lol, my sons having driving lessons and nearly died at what the insurance is going to cost me when he passes, "

I was £1200 to insure my son when he first passed his test, his car wasn't even worth that. xxx

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

i think i drive the un-coolest car ever made.. however i love her

besides no one will steal her lol

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

we've never had an accident or a claim. Ours is £450 this year. we shop around and look at the best deals but know we've gotta have it so we try not to get bent out of shape by the cost

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

I have just added mrs to my insurance as she's a learner but mine even came down to under 300 quid , a few reasons. 1. i kept down how many miles per year which helps and plus having the Mrs added brought it down further. and the excess added a bit more.

I think because we live in NI that the insurance is sky high but seems not the case bloody sharks all of them

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By *ittle_brat_evie!!Woman
over a year ago

evesham

Be careful on the comparison sites cos what's offered isn't always what you get!! I chose a nice cheap quote but it was cancelled cos of an undisclosed medical condition (I said I had debut the site didn't let me say what it was!!) Then when I tried to sort it out it went up!!!

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By *iamondsmiles.Woman
over a year ago

little house on the praire


"£450 lol, my sons having driving lessons and nearly died at what the insurance is going to cost me when he passes,

I was £1200 to insure my son when he first passed his test, his car wasn't even worth that. xxx"

I havent found a quote under £1600 but i hate looking lol, makes me go all shakey and panicking lmao

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


"£450 lol, my sons having driving lessons and nearly died at what the insurance is going to cost me when he passes,

I was £1200 to insure my son when he first passed his test, his car wasn't even worth that. xxx

I havent found a quote under £1600 but i hate looking lol, makes me go all shakey and panicking lmao"

tell him to get a smaller car

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By *ouple1234Couple
over a year ago

BELFAST UK

try living in NI as soon as you say bt13 your insurabce wont go under £1300, the girlfriends bro passed his test 17years old and couldnt get anything under 7g and the car was only worth £600

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By *atisfy janeWoman
over a year ago

Torquay

My son (21) pays just over £2700 a year to insure his Audi, he has a clean driving license and has been driving since a week after his 17th birthday.

I don't know how they manage it these young un's...

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By *ouple1234Couple
over a year ago

BELFAST UK

thats shocking driving an audi and paying just over £2700, im 23 and wouldnt even get a quote for a car like that

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By *iamondsmiles.Woman
over a year ago

little house on the praire


"£450 lol, my sons having driving lessons and nearly died at what the insurance is going to cost me when he passes,

I was £1200 to insure my son when he first passed his test, his car wasn't even worth that. xxx

I havent found a quote under £1600 but i hate looking lol, makes me go all shakey and panicking lmao

tell him to get a smaller car "

He hasnt got a car yet, still taking lessons, that is THE cheapest quote for any old banger lol

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By *atisfy janeWoman
over a year ago

Torquay


"thats shocking driving an audi and paying just over £2700, im 23 and wouldnt even get a quote for a car like that "

Is that because of where you live?

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

Its crazy how these companies work. I got my renewal through and went up by just over £120 pounds, 5 years no claims same company all the time. Did comparison check and same company came out cheapest and cheaper than they were quoting me for the renewal. Phoned them and asked for the internet quote and they wouldnt allow it. Tried to apply online for the cheaper deal but when asked for address and car details as soon as put them in the site declined my application.

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By *ustyWoman
over a year ago

inverclyde

you normally find the younger you are the more expensive it is to insure any car

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By *ouple1234Couple
over a year ago

BELFAST UK


"thats shocking driving an audi and paying just over £2700, im 23 and wouldnt even get a quote for a car like that

Is that because of where you live?"

yeah its crazy bt13 is prob the worst postcode in the uk, sure if ya see my post above, it was around 7grand for a 17year old to insure a £600 car

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By *atisfy janeWoman
over a year ago

Torquay

Previously my 21 year old paid £1400 a year to insure a VW Golf TDI, then it went up to £2700 for his new car.

More money than sense in my opinion....

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

diamond, try a daewoo matiz

that was my first car

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By *mumaWoman
over a year ago

Livingston

thank fook the only driving I do is to drive men wild

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


"£450 lol, my sons having driving lessons and nearly died at what the insurance is going to cost me when he passes,

I was £1200 to insure my son when he first passed his test, his car wasn't even worth that. xxx

I havent found a quote under £1600 but i hate looking lol, makes me go all shakey and panicking lmao

tell him to get a smaller car "

My son's first car was a fiat seicento.... a biscuit tin on wheels, last car was an audi a4 1.9 litre diesel...now residing in a scrappy's hence him going onto my insurance.

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By *heekyladyCouple
over a year ago

manchester

Area is all to do with it . Mind you I used to live in a really good and cheap car insurance area and had my car broken into constantly and it was only an old ford galaxy. Moved here after split with ex to really bad car insurance area and car not been touched once (touch wood lol) even left my purse on passenger seat one night being really dipsy and was still there and car in tact next morning !!!

Think they are all a rip off. Mine shot up to over £600 and thats for a 07 Pergeot and not a fast swanky thing either just your box standard one.

The reason the insurers gave is the fact that we are not living in a 'where theres blame, there's a claim' society. Some companies were more than double what I pay now and I'm bloody 42 and been driving since i was 17.

x

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

Been there and once a insurance company hung up on me when i had mention bt13 many years ago


"try living in NI as soon as you say bt13 your insurabce wont go under £1300, the girlfriends bro passed his test 17years old and couldnt get anything under 7g and the car was only worth £600"

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

I think this is due to the new legislation that says it's sexist to give women cheaper insurance than men, so, women's have gone up a lot and men's come down a bit - they should be equal now.

Equality, it's such a bitch sometimes innit.

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By *plpxp2Couple
over a year ago

Middlesbrough

Loyalty cost you a lot of money in so many things, but especially insurance. The key is to shop around and then apply cashback sites into the mix, my insurance last year was £120 after over £100 cash back.

Remove things like legal cover, instead of paying the insurance company £30+ but a stand alone policy for £9.

At time sit can be far cheaper to take out a new policy than to renew your exisiting one with the same company!

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

Found out on Monday that my monthly premium had doubled. Seven years no claims, same broker. Outrageous.

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By *uckscouple2007Couple
over a year ago

Bucks

always shop around...

have found cheaper quotes for incumbent insurer on price comparison websites

and after that ... prices vary per insurer per price comparison web site ... but worth spending some time trawling a couple of them ~(and once yr details are loaded once then will be easier next year to up date only those bits on yr profile that have changed, if any)

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

well you now they recently passed a law saying that women can no longer get cheaper car insurance than men of the same age. e.g. descrimanation or sexist

just my 2p worth

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

a pay 500quid on my traders policy to drive anything fully comp :D

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By *-and-KCouple
over a year ago

Back of Beyond

I got a quote last year for my MG TF. If you include the 11 months direct debit payments it came to 99 THOUSAND POUNDS

Not a mistake, I actually rang them and queried it. I am 54 years old 33 years no claims discount. The answer was they just didn't want the custom!!

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By *oDownEasyMan
over a year ago

Ayrshire

It most certainkly pays to shop around.My broker is pretty good, so I wont change just to save about 20 quid off the net.

Sadly thanks to so many dodgy claims-made up accidents & false injuries/expenses, coupled with no win no fee sharks claiming for any sccident, no matter how daft(and therefore making insurers pay staff to defend/deny them) insurance , for both road & work/public liability,is going up.

I heard on the radio today that some of these practices are going to be outlawed/restricted, but I suspect that the really innocent person who suffers an injury thru no fault of their own will end up the loser, especially coupled with the total lack of Legal Aid, and big companies wil be better off, with no incentive to improve safety

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


"My car Tax stayed the same £110 :D

"

So did mine - £30

In fact I think my insurance has only gone up by about 20 quid or so ...

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


"Its crazy how these companies work. I got my renewal through and went up by just over £120 pounds, 5 years no claims same company all the time. Did comparison check and same company came out cheapest and cheaper than they were quoting me for the renewal. Phoned them and asked for the internet quote and they wouldnt allow it. Tried to apply online for the cheaper deal but when asked for address and car details as soon as put them in the site declined my application. "

I had exactly the same problem with the commercial insurance for my Van. My current insurers renewal quote was nearly 100 quid more than their online quote for a new customer, so I phoned them and asked what the fuck was going on. They managed to reduce it by a couple of quid per month, so I told them to stuff it and went elsewhere and got a quote of not a kick in the arse of what I was already paying.

A few days later my current insurers phoned up and asked if I was still considering renewing with them to which I said, "you had your chance a few days ago and now I have a better price" Oh they said, "tell us what it is and we'll match it" I told them to piss off, if that's the way they treat a customer that they've had for almost 7 years I no longer wish to do business with them

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


"Loyalty cost you a lot of money in so many things, but especially insurance. The key is to shop around and then apply cashback sites into the mix, my insurance last year was £120 after over £100 cash back.

Remove things like legal cover, instead of paying the insurance company £30+ but a stand alone policy for £9.

At time sit can be far cheaper to take out a new policy than to renew your exisiting one with the same company! "

Ain't that the truth!

If you pay for your insurance on your credit card will you not have legal cover with it?

Just a thought, might save a few more pennies.

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

Apparently the reason for the increase in costs is that they are paying out £120 for ever £100 they are getting in. So putting up the prices so they don't go bust.

The large outgoings are for all the "hoo my poor neck" claims and wot not. I'd give them sore bloody neck!

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


"Apparently the reason for the increase in costs is that they are paying out £120 for ever £100 they are getting in. So putting up the prices so they don't go bust.

The large outgoings are for all the "hoo my poor neck" claims and wot not. I'd give them sore bloody neck! "

It looks like an end may be coming to the 'ooh my poor neck' claims as the government are about to clamp down on the 'no win, no fee' industry - apparently

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

The Association of British Insurers are forever saying that the industry is paying out £1.20 for every £1 it collects in premiums. They have been quoting this for years, despite large premium increases year on year, and the fact that they seldom pay out the true value of a vehicle when they settle a claim.

(Trust me, I have heard every excuse in the book in order to keep the premium high)

Personally, I think its a huge scam. No business could operate if they were making a loss like the big organisations keep saying. In reality, the more they can charge you and the less they have to pay out, the more money they make. Its really that simple. The ABI fail to mention that an underhand trick in a total loss scenario is to delay paying out to a 3rd party, in the hope of the 3rd party being short of funds to purchase a replacement vehicle. That way, they get away with paying out considerably less than the market value. They also keep quiet about the billions each year which they make from the trading of the salvage.

Schysters, the lot of them....!

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

Hows this one then....

Bought another car 2 weeks ago, called a new insurance co (as direct line wanted an extra £500)... all fine, they actually beat direct line.

Problem with the car taht cant be fixed for some weeks, so have found an identical model. Called insurance to change the reg of the car.... an extra £48. What? Its the same car!!! Exactly the same!

Robbing Bassa's!

S

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

Not surprised at all, the extra £48 is most likely to be an admin fee. In what other industry can you charge such a sum in exchange for a few seconds to update a piece of information on a screen, and print it out...? Like I said, theyre schysters. I would consider taking my business elsewhere in protest.

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By *i 1 Get 1 FreeCouple (MM)
over a year ago

birmingham


"The ABI fail to mention"

Like ABTA, don't expect any of the representative organisations to act in the consumer's interest, there sole aim is to represent the company

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

Thought I would also mention that Churchill and Direct Line are two seperate halves of the same company. Most people are unaware of this.

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By *abioMan
over a year ago

Newcastle and Gateshead

you lot are not filling me with loads of hope for when i pass my test and try to get a toyota prius (my hippy wagon) insured....

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By *atisfy janeWoman
over a year ago

Torquay


"Thought I would also mention that Churchill and Direct Line are two seperate halves of the same company. Most people are unaware of this."

Are you sure about that?

Churchill Insurance is part of the Royal Bank of Scotland group of companies I thought?

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


"Thought I would also mention that Churchill and Direct Line are two seperate halves of the same company. Most people are unaware of this.

Are you sure about that?

Churchill Insurance is part of the Royal Bank of Scotland group of companies I thought?"

Absolutely 100% certain Jane. My uncle HATES them, because they caused his brokerage business to fold.

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By *i 1 Get 1 FreeCouple (MM)
over a year ago

birmingham

Direct line / Churchill / Privilege / Green Flag, come under RBS umbrella.

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By *atisfy janeWoman
over a year ago

Torquay

Both Churchill and Direct Line are divisions of RBS.....along with Privilege Insurance, Devitt Motorcycle Insurance, NIG Business Insurance, and International Insurance (Germany)

RBS also own Green Flag breakdown and Tracker Car Security Systems.

Feck me!!....The Tories are going to enjoy selling that little lot off cheap to their chums!

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By *ashful BazMan
over a year ago

poole dorset

My 1994 Volvo which I paid 400 quid for, was £330 last time I renewed it.

My classic American cars which are worth a lot of money cost me about £110 per car.

I have a Transit van I use for the mobile disco jobs, which isnt worth a carrot, I recently paid £259 after a lot of haggling and ringing around.

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

Confused.com owned by Admiral. Yes, that Admiral. They also own elephant.co.uk, Bell Direct and Diamond, the womens car insurance specialist.

GoCompare are “independent” but have received a £30m loan from esure. If they can’t pay esure back in cash, esure become a major shareholder. That’s according to the Insurance Times.

Compare the Market is owned by Budget. This one is a bit naughty, as all of the brands quoted are Budget group companies – but they don’t make that obvious – they also own Dial Direct, “Local Broker“, ibuyeco, Quote Mart, and Junction who run the insurance arms of the Post Office, Marks and Spencer, Debenhams, Bradford & Bingley, Homebase and yesinsurance.com.

MoneySupermarket have just floated (in what was described as an “unfortunate” stock market debut, they failed to raise as much cash as had been hoped for, partly due to a recent Google penalty for link spamming which saw their web traffic shrink alarmingly!). As such they are independent.

So much for the main price comparison sites, what about some of the other big insurance brands?

HBOS Group owns Halifax Insurance, esure, Sheilas Wheels and First Alternative.

Royal & SunAlliance owns More Than

GroupAMA owns Carole Nash, Choice Quote, Bollington & Lark

AXA owns Swiftcover and has a share in Venture Preference. It also offers quotes as Lloyds TSB Insurance and insurance.co.uk

AON owns Firebond & Footman James

MMA owns Swinton, its4me & bullseye

Zurich owns Endsleigh

Fortis owns RIAS

Kwik-Fit Insurance Services owns Express Insurance

BDML Connect owns Lancaster

Fresh Insurance owns Ladybird and First Insurance

IAG owns Hastings Direct, People’s Choice, Diamond, Advantage, Open & Direct and Equity

There are loads more like this, but finally we come to

RBS Group – the Royal Bank of Scotland Group includes our old friends Direct Line, plus Churchill, Privilege, NIG as well as insurance sold branded as Tesco Insurance, Natwest, Virgin Money, MBNA, BMW Insurance, MINI Insurance, Mint, Egg, Nationwide, Age Concern, Vauxhall Insurance and several others!

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

I've always always maintained that insurance is nothing more than a fookin scam that plays on people's frears about something that might happen but in reality hardly ever does.

Grrrrrrr...

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By *atisfy janeWoman
over a year ago

Torquay


"I've always always maintained that insurance is nothing more than a fookin scam that plays on people's frears about something that might happen but in reality hardly ever does.

Grrrrrrr... "

Try telling the Japanese that!

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


"I've always always maintained that insurance is nothing more than a fookin scam that plays on people's frears about something that might happen but in reality hardly ever does.

Grrrrrrr...

Try telling the Japanese that!

"

This isn't about the Japanese Jane, the UK market has a completely different set of dynamics and we don't get off shore earthquakes triggering tsunamis that blow our nuclear power stations up.

...but if we did, we probably wouldn't be covered somewhere in the small print.

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By *ardybumsCouple
over a year ago

peekin under duvet is it safe?


"Not surprised at all, the extra £48 is most likely to be an admin fee. In what other industry can you charge such a sum in exchange for a few seconds to update a piece of information on a screen, and print it out...? Like I said, theyre schysters. I would consider taking my business elsewhere in protest."

banks

but thats another story

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By *phroditeWoman
over a year ago

(She/ her) in Sensualityland


"I've always always maintained that insurance is nothing more than a fookin scam that plays on people's frears about something that might happen but in reality hardly ever does.

Grrrrrrr...

Try telling the Japanese that!

"

Indeed.. and also I feel insurances, funded through relatively small contributions by the many, generally speaking are for the benefit of the individual when things have gone wrong.. so an essential necessity in modern society unless you choose to live on an island?

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By *edhotminxWoman
over a year ago

Turn left at the Singing Ringing Tree

Read in the paper at the weekend of a teenager who had an accident due to black ice in the wintery weather. His insurance company have quoted him £24k for one year's insurance. Reason - they didn't want his business so hence the ridiculous quote. The cheapest quote he has had is £12k.

I dread my son wanting to go on my car insurance, currently I pay £260 fully comp, 9 years+ no claims and I always protect my no claims.

AA renewal quote for breakdown was £49, I rang up and got them down to £28. All insurance companies have some negotiation, just ring up and tell them you will move your business elsewhere, or get a quote and play them off against each other.

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By *atisfy janeWoman
over a year ago

Torquay

Actually Wishy there is a major connection with UK car insurance and Japanese car insurance, both the thousands of Japanese car owners who have been informed over the last week or so that their car insurance doesn't cover Tsunami's and the residents and visitors in Boscastle in Cornwall (2004)when the majority of those that saw their cars swept out to sea found out they were not covered for their loss.

So not as different as you might think.

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By *phroditeWoman
over a year ago

(She/ her) in Sensualityland


"Read in the paper at the weekend of a teenager who had an accident due to black ice in the wintery weather. His insurance company have quoted him £24k for one year's insurance. Reason - they didn't want his business so hence the ridiculous quote. The cheapest quote he has had is £12k.

I dread my son wanting to go on my car insurance, currently I pay £260 fully comp, 9 years+ no claims and I always protect my no claims.

AA renewal quote for breakdown was £49, I rang up and got them down to £28. All insurance companies have some negotiation, just ring up and tell them you will move your business elsewhere, or get a quote and play them off against each other."

very true, and insurances "specialise" in cetain areas so some will be cheaper for young drivers, others a re better deals for the over 50 ies... and so on. Bottom line is we need insurances

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

Mine only went up because of the car i have, odd considering the age, state of the vehicle and the fact that i am well over 21

I always shop around, never ever use those that are for women only as they have always proved incredibly expensive

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By *otswbabeCouple
over a year ago

north cornwall

Thank the Court of European Human Rights for defending equal opportunities. Women not to get cheaper insurance (so womens insurance cost goes up not mens going down - big surprise!) Grrr

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

perhaps im dumb.. ok i am.. but why do i have to pay extra to protect my no claims? surely i'm entitled to them and cant loose them unless i make a claim?

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By *phroditeWoman
over a year ago

(She/ her) in Sensualityland


"Thank the Court of European Human Rights for defending equal opportunities. Women not to get cheaper insurance (so womens insurance cost goes up not mens going down - big surprise!) Grrr "

Know what you mean.... but I do feel it is part of the price us women pay for equality.. so I am kind of ok with that...lol

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By *edhotminxWoman
over a year ago

Turn left at the Singing Ringing Tree


"perhaps im dumb.. ok i am.. but why do i have to pay extra to protect my no claims? surely i'm entitled to them and cant loose them unless i make a claim?"

You can protect your 'no claims discount', so that if you do happen to make a claim it doesn't count. However, if you make two claims in one year then you lose them completely.

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


"perhaps im dumb.. ok i am.. but why do i have to pay extra to protect my no claims? surely i'm entitled to them and cant loose them unless i make a claim?"

That's why you pay to protect your no claims, you keep some of them if you do claim, although I know if you have say 60% no claims, they don't necessarily peg your new no claims at that same level after a claim, paying for no claims protection or not. xx

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By *ashful BazMan
over a year ago

poole dorset


"Read in the paper at the weekend of a teenager who had an accident due to black ice in the wintery weather. His insurance company have quoted him £24k for one year's insurance. Reason - they didn't want his business so hence the ridiculous quote. The cheapest quote he has had is £12k.

I dread my son wanting to go on my car insurance, currently I pay £260 fully comp, 9 years+ no claims and I always protect my no claims.

AA renewal quote for breakdown was £49, I rang up and got them down to £28. All insurance companies have some negotiation, just ring up and tell them you will move your business elsewhere, or get a quote and play them off against each other."

Thats spot on, one of my friends left it till the last minute to renew, he refused to pay the original quote, he said he would try someone else, and eventually got about 70 quid of the original price.

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

Recently sold a 1.8 Diesel and bought a 2.0 Petrol (with the word sport next to it, which never bodes well come insurance time!) either way, it only went up by £30 which was better than expected.

Theres no loyalty in insurance anymore (from them, or from us as a result) I'd happily pay whoever was offering me the bare minimum for the least amount of money (other than windscreen cover, which I always have).

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By *ornyandnymphoCouple
over a year ago

poole


"The Association of British Insurers are forever saying that the industry is paying out £1.20 for every £1 it collects in premiums. They have been quoting this for years, despite large premium increases year on year, and the fact that they seldom pay out the true value of a vehicle when they settle a claim.

(Trust me, I have heard every excuse in the book in order to keep the premium high)

Personally, I think its a huge scam. No business could operate if they were making a loss like the big organisations keep saying. In reality, the more they can charge you and the less they have to pay out, the more money they make. Its really that simple. The ABI fail to mention that an underhand trick in a total loss scenario is to delay paying out to a 3rd party, in the hope of the 3rd party being short of funds to purchase a replacement vehicle. That way, they get away with paying out considerably less than the market value. They also keep quiet about the billions each year which they make from the trading of the salvage.

Schysters, the lot of them....!"

Insurance companies also want you to use their approved repairer, or their approved solicitors as they recieve a premium for every customer passed on.

In some cases the insurance company recieve more than they pay out. So your insurance company earn from every accident that you make a claim on. If you are not at fault, your insurance company are laughing all the way to the bank.

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


"Thank the Court of European Human Rights for defending equal opportunities. Women not to get cheaper insurance (so womens insurance cost goes up not mens going down - big surprise!) Grrr

Know what you mean.... but I do feel it is part of the price us women pay for equality.. so I am kind of ok with that...lol"

Ah, but instead of making the ladies pay more, why not let the gents pay less..? I suppose that would be too easy though.

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By *athnBobCouple
over a year ago

sandwell

New Zealand has it right. 3rd party is included with your road tax. Fully comp is optional you pay for your self. Prices are really low apparently (not verified this told by a kiwi who has lived in the UK for 10 years)

2 years ago my insurance went from £300 to £950. Broker would not shift on the price. Rang another broker and got better cover with the same underwriter for £250!!!

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


"The only price comparison website we ever seem to save money on is confused.com, especially when it comes to insurance, its gotten to the stage you have to change providers every year to get cheaper prices these days. "

The problem with confused.com is the scary hair bird keeps getting things out of her chuff, the latest thing's a laptop, she had a microphone and a bunch of flowers previously

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By *atisfy janeWoman
over a year ago

Torquay


"New Zealand has it right. 3rd party is included with your road tax. Fully comp is optional you pay for your self. Prices are really low apparently (not verified this told by a kiwi who has lived in the UK for 10 years)

2 years ago my insurance went from £300 to £950. Broker would not shift on the price. Rang another broker and got better cover with the same underwriter for £250!!! "

It isn't quite that simple in New Zealand....Third party insurance is not compulsory but the vast majority of New Zealanders hold fully comp insurance in order to cover themselves if an uninsured driver hits them.

The road tax does not cover any type of insurance.

A lot of North African countries work on the same basis, that third party insurance is not compulsory, difference there being that the majority don't then purchase full comp insurance to cover that.

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

just being on money saveing expert.com a women claims to have insured her car fully comp for 96 pence for the year check out the site to see how she did it

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

This 'dodgy' picture of 'No win, No fee' is all painted by the insurers yet if you have 'Legal cover' on your car policy then the insurers farm the claim out to a solicitor at a cost of c. £750! Funny that!

The only reason we have such a regime is because the government withdrew legal aid 12/13 years ago due to the cost on the public purse. As a result the CFA regime came in and the insurance companies started getting hit with bigger costs, For every £1 in damages they are paying out £1.78 in legal fees.

Whichever way you look at it it is costing you, either through tax or premiums. The new rules propsed are that clients give up a % of dmages so you still ain't winning!

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By *eppersCouple
over a year ago

telford

We've just had our renewal for the minibus which was previously in the wife's name although she couldn't drive it as it's not auto,but the renewal today £220 more this time than last year,so i phoned them up and had a rant and they immediately offered a 10% discount,odd that then i said is this due to the European legislation thing and was told it wasn't,that don't come in till next year so why the hike in price from £440 to £620 and was told all premiums have gone up,so i then said as the wife can't drive the bloody thing anyway can you re- quote with just myself to drive and then it came down to £522, now i am flummoxed lol.

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By *ofakindCouple
over a year ago

Running with Monkeys


"Recently sold a 1.8 Diesel and bought a 2.0 Petrol (with the word sport next to it, which never bodes well come insurance time!) either way, it only went up by £30 which was better than expected.

Theres no loyalty in insurance anymore (from them, or from us as a result) I'd happily pay whoever was offering me the bare minimum for the least amount of money (other than windscreen cover, which I always have)."

ditto ive just sold a 1.9 turbo diesel and bought a 1.8 top spec petrol car my insurance has only gone up £150 for the year... 22, 0 no claims, bad insurance area... only passed in october

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By *phroditeWoman
over a year ago

(She/ her) in Sensualityland


"Thank the Court of European Human Rights for defending equal opportunities. Women not to get cheaper insurance (so womens insurance cost goes up not mens going down - big surprise!) Grrr

Know what you mean.... but I do feel it is part of the price us women pay for equality.. so I am kind of ok with that...lol

Ah, but instead of making the ladies pay more, why not let the gents pay less..? I suppose that would be too easy though."

Agree with you - that would be better... I only meant to say that if we want equality we cannot complain when we pays same rates

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

I have been with Direct Line and they hoik their prices up when you've been with em for a couple of years.

Shop around and you Will find a better deal.

I ended up with Churchill, and a better deal, even though they are Direct Lines sister company - so go figure!

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

Just over 2 years ago I had a wrx subaru and a type R subaru import.. one cost me £310 to insure, the other £380ish... my Zafira £120 Bare in mind that I couldnt use the no claims on all of them..

However, if I wanted to get another type R subaru now.. it would cost me £1350 to insure the exact same car... although tax isnt to bad on it as its an older car... the tax on the wrx would now be 2nd from highest.

Car insurance is just going up and up...

Katie.

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


"Just over 2 years ago I had a wrx subaru and a type R subaru import.. one cost me £310 to insure, the other £380ish... my Zafira £120 Bare in mind that I couldnt use the no claims on all of them..

However, if I wanted to get another type R subaru now.. it would cost me £1350 to insure the exact same car... although tax isnt to bad on it as its an older car... the tax on the wrx would now be 2nd from highest.

Car insurance is just going up and up...

Katie. "

All this does me make me feel a bit better when I'm getting quoted £1450 for my slk. If people with no claims are paying stupid prices then really I should no qualms given that I'm 24.

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

How come I am paying £530 fully comp for my 2006 2.0 litre Mondeo? I have 15 years no claims, and I have a professional driving quailification and an advanced licence ffs. Ive prevented so many crashes from other people's inattention and poor judgement the insurance companies should be paying me..!

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By *atisfy janeWoman
over a year ago

Torquay


"How come I am paying £530 fully comp for my 2006 2.0 litre Mondeo? I have 15 years no claims, and I have a professional driving quailification and an advanced licence ffs. Ive prevented so many crashes from other people's inattention and poor judgement the insurance companies should be paying me..!"

Because you can't be bothered to shop around maybe?

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

Youre kidding...! That was the cheapest anywhere, its all a big conspiracy.

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By *atisfy janeWoman
over a year ago

Torquay

Full no claims....no advanced driving qualification....not a professional driver....Ibiza Cupra

£390 full Comp

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By *he_original_poloWoman
over a year ago

a Primark shoebox in Leicester


"How come I am paying £530 fully comp for my 2006 2.0 litre Mondeo? I have 15 years no claims, and I have a professional driving quailification and an advanced licence ffs. Ive prevented so many crashes from other people's inattention and poor judgement the insurance companies should be paying me..!"

You live in a car crime/claim blackspot.

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


"How come I am paying £530 fully comp for my 2006 2.0 litre Mondeo? I have 15 years no claims, and I have a professional driving quailification and an advanced licence ffs. Ive prevented so many crashes from other people's inattention and poor judgement the insurance companies should be paying me..!

You live in a car crime/claim blackspot."

Quite possible....

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By *leasureDomeMan
over a year ago

all over the place

dont always go for the cheapest tho ,i just had notification they are going to cover a couple of tyres i had slashed and a key job on my paintwork last week as part of a vandalism clause on the policy.

Not sure i would of got that from a bucket policy tho

ps) good news too they got em on cctv doing it,i am made up.

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By *ittle_brat_evie!!Woman
over a year ago

evesham

As we speak i am on the phone to my company. My premiums wet up from 40 quid to 60 odd. Was eventually fine with that but my previous company screwed me over with my NCB by telling me I had five then mysteriously only three!!!

Now my new company want 80 quid a month!!!!!

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By *ashful BazMan
over a year ago

poole dorset


"As we speak i am on the phone to my company. My premiums wet up from 40 quid to 60 odd. Was eventually fine with that but my previous company screwed me over with my NCB by telling me I had five then mysteriously only three!!!

Now my new company want 80 quid a month!!!!! "

Hope you get that sorted out!

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