Car Insurance Renewal - Price Increase of 36% - No Changes

[DrFfybes]

My existing insurer, Churchill quoted me £479.55 for this years premium. This was up 36% on last year.

The cheapest quote on Meerkat is from Darwin Friends of Churchill which is £232.99 (kinell )

The next best is price is ... you couldn't make it up, Churchill Essentials ... £246.55

Note that their 'essentials' range excludes a lot of stuff you might want, I bet using the car abroad is not covered. Saga do 3 different levels of Fully Comp.

Just had our SAGA renewal for the Z4M, up to £136 from £113. Cheapest Meerkat quote is £125.

Yes, I had my renewal quote the other day from Admiral for my two cars and it had risen from 761 to 1,221 (after 23 yrs NCB)

That's a lot - is this high performance cars in London, or are you on a "multicar" type thing. Combining vehicles is often a bad idea, generally one of them is unattractive to the insurer and the difference over elsewhere is more than the extra discount. LV hate performance cars, Admiral hate repmobiles.

Paul

[scrumpyjack]

No in deepest Hertfordshire countryside, parked over 100yds from the road. Same cars as last year - VW ID4 and 10 year old Golf.

I reckon they were trying it on.

[Dod101]

No in deepest Hertfordshire countryside, parked over 100yds from the road. Same cars as last year - VW ID4 and 10 year old Golf.

I reckon they were trying it on.

Admiral has always seemed to me to be expensive and I have never used them, despite being a modest shareholder.

Dod

[Lootman]

No in deepest Hertfordshire countryside, parked over 100yds from the road. Same cars as last year - VW ID4 and 10 year old Golf.

I reckon they were trying it on.

Does insurance go up at a certain age? And perhaps unevenly if you move from one age range to another?

Your cover sounds expensive but then I never had more than one vehicle on the same policy. My wife and I have separate policies for our 2 cars.

[scrumpyjack]

I suspect part of it is rates going up for electric cars. They can be much more expensive to repair. It was the premium for the ID4 that rose far more than that for the Golf.

[Lootman]

I suspect part of it is rates going up for electric cars. They can be much more expensive to repair. It was the premium for the ID4 that rose far more than that for the Golf.

Oh yeah I read somewhere that it is very easy to write-off a Tesla because of the way the battery is part of the structure of the vehicle.

[AJC5001]

No wonder an increasing hard core cock-a-snoot at the traffic laws.

[pedant mode on]
The correct phrase is 'cock a snook' - https://www.phrases.org.uk/meanings/cock-a-snook.html
[pedant mode off]

Adrian

[GrahamPlatt]

https://www.theguardian.com/money/2023/ ... rol-diesel

[pje16]

https://www.theguardian.com/money/2023/jul/22/uk-drivers-car-insurance-costs-price-petrol-diesel

typical headline grabbing
may as well say up to 100%
it's meaningless

[Tedx]

And my Hyundai i10 insurance renewal has just come in.

Was £130. Now £180. Other than being a year older (me, the missus and the car), no other changes.

+38%

[Dicky99]

My Aviva renewal has just landed. No changes other than a 22.8% increase. Can't find a lower quote that doesn't involve a higher excess imposed.

[CliffEdge]

Same here +30% over last year
NFU

[rhys]

My quote is just in. SAGA insurance since I'm in my late 50s. £102, was £114 last year.
I've not had an at-fault claim this century, and never had any penalty points, indeed I'm still driving on the original licence (no photocard). Always feel hard done by that the NCD scale seems stuck at about 9 yrs, and I'm only asked to disclose any accidents within 5 years!

[Dicky99]

My quote is just in. SAGA insurance since I'm in my late 50s. £102, was £114 last year.
I've not had an at-fault claim this century, and never had any penalty points, indeed I'm still driving on the original licence (no photocard). Always feel hard done by that the NCD scale seems stuck at about 9 yrs, and I'm only asked to disclose any accidents within 5 years!

Lucky you. I'm just doing a comparison for my mum. She received her renewal from Saga today. 75% increase on last year with no change of circumstances. So far the best I've found is Aviva but still a 42% increase.

[Tedx]

Car insurance hits £500 a year for average UK driver

Even with recent price rises the insurance for both the van and the wee Hyundai don't come to £500.

The mind boggles as to how much some for are paying to get on the road....

Mind you, I don't think I would ever get to the point where I couldn't afford the insurance to keep a car on the road - unlike this chap

In Burnley, Karl Kemp was told by Churchill it would cost him £1,653.66 to insure his Range Rover Evoque, up from £925.90 last year, despite no changes in his circumstances.

"There's absolutely no reason it should go up. The only change is I've actually gained a year in no claims, so it should actually drop slightly," he told the BBC

After shopping around First Choice offered him a figure comparable to last year's premium. "If we had to pay an extra £700 on car insurance there was just no way I could have afforded a car."


He looks like he's in his 20's and look what he's driving.


https://www.bbc.co.uk/news/business-66466626

[Lootman]

I'm still driving on the original licence (no photocard).

You still have one of those little red books?

I held out until the late 2000s but finally capitulated and got the soulless new credit-card type license. I should not have done - the old style were timeless classics.

[rhys]

You still have one of those little red books?

I am unaware of those. My licence, issued 1983, is a single green sheet, slightly smaller than A4. Had to laminate it in stick backed plastic some years ago.

[swill453]

You still have one of those little red books?

I am unaware of those. My licence, issued 1983, is a single green sheet, slightly smaller than A4. Had to laminate it in stick backed plastic some years ago.

I'm sure it suits your purpose, but good luck trying to hire a car abroad with one of those.

Scott.

[y0rkiebar]

I'm sure it suits your purpose, but good luck trying to hire a car abroad with one of those.

Scott.

Yes, I've still got the old skool paper driving licence. Reading online, it *shouldn't* make any difference hiring a car outside of the UK, but I have also read stories where (ill informed) car hire desk employees have refused the hire when presented with said paper licence.

[bungeejumper]

In Burnley, Karl Kemp was told by Churchill it would cost him £1,653.66 to insure his Range Rover Evoque, up from £925.90 last year, despite no changes in his circumstances.

......"If we had to pay an extra £700 on car insurance there was just no way I could have afforded a car."

"Oh dear, oh dear, oh woe is me, why is the world being so beastly to me? I couldn't possibly, possibly be seen in anything less than a Range Rooney. Whatever would they think of me at the golf club? Or the sushi bar? No, I won't be told I've got to drive a boring little Suzuki Swift or one of those hideous Ford Fiestas that poor people drive. I'm going to have a proper sulk now, and it's all your fault if I have to go everywhere by Uber from now on."

Listen, flower, £700 is what it's going to cost you the first time your Rangie throws a door switch or a windscreen wiper motor. (And it will, trust me, it will. ) If you haven't got that sort of funds in your emergency cash float, then you can't afford your lifestyle anyway. Just recalibrate your expectations a little, and sell the status toy and buy the stuffing Suzuki instead, and insure it easily, and just stop whingeing, will ya?

BJ