Has any body's car insurance gone up without any accidents? - HotUKDeals
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Has any body's car insurance gone up without any accidents?

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Just wondering if it's just me this has happened to. I've been paying £59 a month for car insurance worked out around £738 yearly (1st payment was £130 odd) Now ive nearly come to the end of the … Read More
shacal Avatar
4m, 6d agoPosted 4 months, 6 days ago
Just wondering if it's just me this has happened to. I've been paying £59 a month for car insurance worked out around £738 yearly (1st payment was £130 odd)

Now ive nearly come to the end of the month to look around for better or same deal as nothing has changed renew came and as I've now gained a extra years no claims, its come back as £89 a month??! Exactly the same cover only I've got 2 years no claims not 1..

Been on comparison sites coming up the cheapest is £79 month.

How is it even possible it's a extra £200 a year than when i only had 1 years no claims.
shacal Avatar
4m, 6d agoPosted 4 months, 6 days ago
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#1
Everybody
#2
Think everybodys has this year, I've just sold my car so not sure what prices I'm going to be hit with soon!
#3
Happens all the time. I remember renewal quote coming in atc£2k up from £500 once. That's why you shop around. The quote is based on your location too so that can change the price if there have been higher than average claims etc.
#4
I don't think I know anyone who's car insurance hasn't gone up every year regardless of claim histry. Insurance companies are weasels and rely on you forgetting too or not bothering to look elsewhere for a quote come renewal time.
#5
darlodge
I don't think I know anyone who's car insurance hasn't gone up every year regardless of claim histry. Insurance companies are weasels and rely on you forgetting too or not bothering to look elsewhere for a quote come renewal time.


This is all a shock to me, my first car insurance when i had no claims was £170 a month, i earned 1 years no claims it went DOWN to £59 a month same details etc i earn 2 years no claims and it goes up a extra £30 a month!!
#6
shacal
darlodge
I don't think I know anyone who's car insurance hasn't gone up every year regardless of claim histry. Insurance companies are weasels and rely on you forgetting too or not bothering to look elsewhere for a quote come renewal time.
This is all a shock to me, my first car insurance when i had no claims was £170 a month, i earned 1 years no claims it went DOWN to £59 a month same details etc i earn 2 years no claims and it goes up a extra £30 a month!!
Will do the same for the next 10 years , hence the shopping around tedium
#7
are u not able pay upfront that will make it cheaper or in 2 installments. but wyes shop around they almost always put the price up I was insured with same company and as a new customer got a new qoute with them and it was 70 quid less than renewal they play all sorts of silly games insurance companies
#8
You can thank all the insurance dodgers and scammers.... it will only ever go up.
#9
Always shop around.
Worth checking out for cash back deals as well iirc aviva was giving £60 cashback.
#10
Every year on mine just switch and use quidco.
#11
muddassarsardar
are u not able pay upfront that will make it cheaper or in 2 installments. but wyes shop around they almost always put the price up I was insured with same company and as a new customer got a new qoute with them and it was 70 quid less than renewal they play all sorts of silly games insurance companies


Unfortunately i can't pay like that. I've just been on comparison sites again and I've found that on one website there's a company which has a £50 difference for the exactly same thing, so im assuming different comparison sites give you different prices for the same company's!
#12
shacal
muddassarsardar
are u not able pay upfront that will make it cheaper or in 2 installments. but wyes shop around they almost always put the price up I was insured with same company and as a new customer got a new qoute with them and it was 70 quid less than renewal they play all sorts of silly games insurance companies


Unfortunately i can't pay like that. I've just been on comparison sites again and I've found that on one website there's a company which has a £50 difference for the exactly same thing, so im assuming different comparison sites give you different prices for the same company's!


Correct. Note Aviva, Direct Line and NFU, plus possibly others are not listed on comparison sites.
#13
Yeah mine too I have 12 years no claim discount but still £100 higher than last year
#14
just renewed mine after HOURS of form filling! I found it cheaper to be fully comp than 3rd party fire & theft!! (I know..right!?) and it seems if you add a named driver.. choose a mate over 30 with no claims/penalties.. it comes down more! it's soooooo annoying that you have to piddle about amending this and that to find the cheapest way!! JUST DON'T FORGET QUIDCO/TCB. find your best quote and "save for later" then close all your windows and go in via the casbck site to ensure they plant the cookie.
#15
the renewal quotes we got were double the cost of the past yr. needless to say we shopped around and got a better deal. I think they expect people to not pay attention to the changes and to just pay it.
#16
The first year is always cheaper as its an introductory price, so always goes up. Just go to a new company. Look at topcashback too, for any cashback deals.
#17
My husband bumped into another car in tesco car park. The other person claimed so we thought the insurance would jump on renewal but it went up 6% so wasnt too bad.
#18
My car insurance has always been under £250 for the year. Been like that for the past 25 years. Only difference is I'm now fully comp. Started out with 3rd party cover. It has gone up as paid £115 in 2004 ish. Just over £200 now.
#19
just compared the car insurance for a friend on weekend, it does matter when(weekend or midweek) you want to start the new insurance. On weekends, it will cost you £200-500 extra comparing to weekdays(i put in very next day Monday), all same deatails but starting day. oO
#20
According to confused.com car insurance has increased by 14% over the last 12months
#21
First year in a long time its gone up.
#22
mutley1
My husband bumped into another car in tesco car park. The other person claimed so we thought the insurance would jump on renewal but it went up 6% so wasnt too bad.
My husband's car got stolen. His no claims was protected so his policy was unaffected. As he was a named driver on my car, my renewal price increased. How unfair was that ?
#23
mine has gone up from £17 a month to £23 a month
#24
Mine went down. But I did move...however, I did move to a new build (so no insurance history)...but it is in Sandbach.

Currently paying £450 a year...for 2 policies (_;)
#25
fozzeh
Mine went down. But I did move...however, I did move to a new build (so no insurance history)...but it is in Sandbach.
Currently paying £450 a year...for 2 policies (_;)
not much car crime in sandbach that m6 is lethal tho
#26
ding
fozzeh
Mine went down. But I did move...however, I did move to a new build (so no insurance history)...but it is in Sandbach.
Currently paying £450 a year...for 2 policies (_;)
not much car crime in sandbach that m6 is lethal tho

Yeh, they're doing a lot of work at the junction so is constantly 50 but joining is pretty terrible.

Moving from Stalybridge to there was probably key reason.
#27
Tesco bumped mine up £200 this year for no obvious reason... managed to get it £200 than my current price elsewhere.
#28
I changed the job title and it was £150 cheaper what's all that about ????????????
#29
My wife's £200 more this year over all comparison sites and her original insurance refused to insure her again at all after been with them two years the reason it's a Vauxhall Zafira and they catch fire well some do anyway.
#30
waterloo
I changed the job title and it was £150 cheaper what's all that about ????????????
Certain jobs carry bigger insurance risks , and cost more if you claim loss of earnings .
#31
psychobitchfromhell
mutley1
My husband bumped into another car in tesco car park. The other person claimed so we thought the insurance would jump on renewal but it went up 6% so wasnt too bad.
My husband's car got stolen. His no claims was protected so his policy was unaffected. As he was a named driver on my car, my renewal price increased. How unfair was that ?
The no claims is protected but the policy price isn't .

Edited By: plodging on Jan 17, 2017 08:39
#32
Tweak yourself job title , add another driver, pay annually in a 0% card so you're not paying their high rates. Back to the other driver I'm a named driver on my wife's policy, I can't drive only got a provisional but it brought the policy down.
#33
plodging
waterloo
I changed the job title and it was £150 cheaper what's all that about ????????????
Certain jobs carry bigger insurance risks , and cost more if you claim loss of earnings .
Yes you are correct but the jobs we put down should have no relevance to the cost both were very similar it's a BIG CON !
#34
postmang
Tweak yourself job title , add another driver, pay annually in a 0% card so you're not paying their high rates. Back to the other driver I'm a named driver on my wife's policy, I can't drive only got a provisional but it brought the policy down.
Yes do this its all legit ;)
#35
postmang
Tweak yourself job title , add another driver, pay annually in a 0% card so you're not paying their high rates. Back to the other driver I'm a named driver on my wife's policy, I can't drive only got a provisional but it brought the policy down.

I'm confused, sorry - I don't really drive :(

It's cheaper to add another driver? Thought it would be more expensive? - Confused :(
#36
Working in insurance its to do with risk, postcode, job, car rating and also insurance premium tax has increased several times in the last year which is done by government not the insurers
#37
Adding another named driver usually reduces the premium. This year my wife added me ,a non driving provisional licence holder previously she added my dad ,a retired guy . Obviously fronting is illegal which is the other way round :you as the named driver so he careful. Jiggle the named driver to get the best premium.
#38
When you get a age big bump or extra NCD, the insurer increases get hidden; it is only when you reach a plateau you tend to notice.

My premium (52 years old w 9 years NCD), was going UP a LOT, from £320 to over £400, for no good reason; a one hour trawl of the comparison sites got me a better deal for £220 inc monthly DD payments, so about half what the RAC wanted.

Edited By: Gentle_Giant on Jan 19, 2017 21:58
#39
AndyB3168
Working in insurance its to do with risk, postcode, job, car rating and also insurance premium tax has increased several times in the last year which is done by government not the insurers
And the tax is going up again to 12% on 1st June 2017!

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