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Hi. A friend of mine has her car insurance due 5th of March. So just looking around for quotes on internet and the renewal is in the regions of 3k plus! Which is very very expensive for her car. Last … Read More
bingbing1 Avatar
5m, 1w agoPosted 5 months, 1 week ago
Hi. A friend of mine has her car insurance due 5th of March. So just looking around for quotes on internet and the renewal is in the regions of 3k plus! Which is very very expensive for her car. Last year she paid around £900. Her car is a 2005 golf. The question im asking is, are her renewal quotes excessive because her insurance is due next month. Should she wait a bit closer to the renewal date to look for quotes. She has not had a renewal quote from her current insurance company yet, it could be a reasonable price. How do insurance companies work? Do you get cheaper quotes nearer to the time than you do a lot earlier. What should she do. If she waits until next month and insurance is excessive then no time to shop around. Advice please.
bingbing1 Avatar
5m, 1w agoPosted 5 months, 1 week ago
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Top Responses

(1)
bingbing1
bingbing1
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?


Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.


The car is a basic diesel petrol 1.9 engine size.


So it's a hybrid?

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#1
Has her circumstances changed or has she had any accident claims as a jump like that doesnt seem right.

Regarding renewal dates and prices I have never noticed a big difference in the past, maybe £10 or so. I think you can only get quotes for a few months ahead anyway.
#2
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?
#3
rhinopaul
Has her circumstances changed or has she had any accident claims as a jump like that doesnt seem right.

Regarding renewal dates and prices I have never noticed a big difference in the past, maybe £10 or so. I think you can only get quotes for a few months ahead anyway.


No. No circumstances have changed. Everything is exactly the same. So cant seem to figure out why the quotes are so high
#4
rhinopaul
Has her circumstances changed or has she had any accident claims as a jump like that doesnt seem right.

Regarding renewal dates and prices I have never noticed a big difference in the past, maybe £10 or so. I think you can only get quotes for a few months ahead anyway.


No. No circumstances have changed. Everything is exactly the same. So cant seem to figure out why the quotes are so high
#5
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?


Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.
#6
bingbing1
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?


Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.


The car is a basic diesel petrol 1.9 engine size.
#7
If nothing has changed then more than likely the details given the first time round were incorrect. Biggest factors are postcode, mileage, and then the car itself, cost of the car but even that isn't significant enough to cause a big jump. Worth logging into your existing documents and see what details were given.

If you can't see a difference then do wait for the renewal, it will likely be slightly higher but obviously cheaper than your quotes. In any case if it is then you may really want to consider whats gone wrong. In the event of a serious incident they may use whatever is skewing the quote to invalidate insurance, that's the risk of lying knowingly or otherwise.

Also you will have plenty of time to shop around once the renewal quote comes through. In any case you may want to be ready to stump up the cash if driving needs to be continued as least there's the heads up on that.
#8
Maybe downsize the car to something a bit smaller? Citroen c1 has an insurance group 1 compared to insurance group 30+ which the golf is
#9
If an existing £900 policy is attracting multiple renewal quotes in excess of three times that amount for comparable circumstances it suggests there is some significant difference(s) between the existing policy's criteria and the renewal policies' criteria. Check all details provided to the existing insurer are the same as details provided to the renewal comparison site (obviously allowing for one year increment to dates where applicable).
#10
bingbing1
bingbing1
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?


Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.


The car is a basic diesel petrol 1.9 engine size.


So it's a hybrid?
#11
craigstephens
bingbing1
bingbing1
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?


Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.


The car is a basic diesel petrol 1.9 engine size.


So it's a hybrid?


No not a hybrid.
#12
Try 1st central insurance
#13
It's very cheap
#14
mrshussain
It's very cheap


Thankyou will do
#15
AndyRoyd
If an existing £900 policy is attracting multiple renewal quotes in excess of three times that amount for comparable circumstances it suggests there is some significant difference(s) between the existing policy's criteria and the renewal policies' criteria. Check all details provided to the existing insurer are the same as details provided to the renewal comparison site (obviously allowing for one year increment to dates where applicable).


Will look at existing policy. Hopefully she has not gone wrong somewhere.
#16
AndyRoyd
If an existing £900 policy is attracting multiple renewal quotes in excess of three times that amount for comparable circumstances it suggests there is some significant difference(s) between the existing policy's criteria and the renewal policies' criteria. Check all details provided to the existing insurer are the same as details provided to the renewal comparison site (obviously allowing for one year increment to dates where applicable).


Will look at existing policy. Hopefully she has not gone wrong somewhere oO
#17
Will look at existing policy. Hopefully she has not gone wrong somewhere
#18
I noticed go compare is normally cheaper for quotes for the same company on other sites
#19
bingbing1
craigstephens
bingbing1
bingbing1
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?
Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.
The car is a basic diesel petrol 1.9 engine size.
So it's a hybrid?
No not a hybrid.

That is probably why then ;).
#20
Careful when insuring with the cheapest insurers, I was with 1st central a few years ago and regretted it. Had an accident that wasn't my fault, they weren't interested in fighting for me so was settled 50:50. As the car was written off they paid out. Then there was the shock that they ended the policy. The big, and not all that obvious problem was the policy cost more than the car. It's all in the boring small print. Read everything before paying them, it's common with the cheapest companies.
#21
1m00dybeaver
Careful when insuring with the cheapest insurers, I was with 1st central a few years ago and regretted it. Had an accident that wasn't my fault, they weren't interested in fighting for me so was settled 50:50. As the car was written off they paid out. Then there was the shock that they ended the policy. The big, and not all that obvious problem was the policy cost more than the car. It's all in the boring small print. Read everything before paying them, it's common with the cheapest companies.
That is the same for all insurance companies.
#22
was your friend's insurance on third party fire and theft, now she's looking for fully comp? was her voluntary excess, excessively high? did she put someone down as a named driver too? there's a lot of variables, just best to compare last years insurance with what's she's putting down now in her details,
#23
It is quite frightening reading this. I have to share air with these people.
#24
STRICKIBHOY
was your friend's insurance on third party fire and theft, now she's looking for fully comp? was her voluntary excess, excessively high? did she put someone down as a named driver too? there's a lot of variables, just best to compare last years insurance with what's she's putting down now in her details,


Always fully comp. excess same amount always. No other driver other than herself. Only thing left to do is check present policy and make sure details are accurate. Which she will do first thing in the morning.
#25
For 3k a year you might as well look at Peugeots just add fuel deals. The insurance industry is a joke and it's the government's fault. If they want to make law that you have to have insurance the should either regulate it more (companies are making billions off it) or offer insurance them self's, said billions could then go into the countries coffers. But they are far to incompetent to do either.
#26
shauneco
1m00dybeaver
Careful when insuring with the cheapest insurers, I was with 1st central a few years ago and regretted it. Had an accident that wasn't my fault, they weren't interested in fighting for me so was settled 50:50. As the car was written off they paid out. Then there was the shock that they ended the policy. The big, and not all that obvious problem was the policy cost more than the car. It's all in the boring small print. Read everything before paying them, it's common with the cheapest companies.
That is the same for all insurance companies.

Is it? I had a non-fault with Hastings Direct 15 days into a new policy and I was still insured for the rest of the year.
#27
Dont use compare sites, they are cheap for a reason. Use Direct insurance sites, LV etc. get quotes a fortnight before renewal payment. If possible put older members on policy as well, this drastically reduces premium.
#28
t0mm
shauneco
1m00dybeaver
Careful when insuring with the cheapest insurers, I was with 1st central a few years ago and regretted it. Had an accident that wasn't my fault, they weren't interested in fighting for me so was settled 50:50. As the car was written off they paid out. Then there was the shock that they ended the policy. The big, and not all that obvious problem was the policy cost more than the car. It's all in the boring small print. Read everything before paying them, it's common with the cheapest companies.
That is the same for all insurance companies.
Is it? I had a non-fault with Hastings Direct 15 days into a new policy and I was still insured for the rest of the year.
An at-fault total loss payout frequently terminates the policy.
#29
666FU
For 3k a year you might as well look at Peugeots just add fuel deals. The insurance industry is a joke and it's the government's fault. If they want to make law that you have to have insurance the should either regulate it more (companies are making billions off it) or offer insurance them self's, said billions could then go into the countries coffers. But they are far to incompetent to do either.
Those are a waste of time as well unfortunately.. Peugeot basically just do a finance quote then quote you for insurance and add the payments together, they are different for everyone not a fixed price so if your in OP's position it doesn't help at all unfortunately
#30
Phone up her existing and question the renewal price, that might give you an idea on why its shot up!
Looks like she may have just got really lucky first year. If shes in a 'rough' postcode and under 30 3k sounds to be about right as ridiculous as it is!
You'll have to try some of the usual tricks and get it as low as possible.
Add older family members as extra driver, I find adding 2 makes a big difference.
Play around with job title, not lying but different description for the same thing.
If its currently on a drive try with on the road, sometimes cheaper for some reason. All that sort of stuff.
The additional drivers one makes the biggest difference so make sure you do that, nothing wrong with it as long as she is the main one. You can insure anyway even if your reason is that its just in case they borrow it sometime!
#31
AndyRoyd
t0mm
shauneco
1m00dybeaver
Careful when insuring with the cheapest insurers, I was with 1st central a few years ago and regretted it. Had an accident that wasn't my fault, they weren't interested in fighting for me so was settled 50:50. As the car was written off they paid out. Then there was the shock that they ended the policy. The big, and not all that obvious problem was the policy cost more than the car. It's all in the boring small print. Read everything before paying them, it's common with the cheapest companies.
That is the same for all insurance companies.
Is it? I had a non-fault with Hastings Direct 15 days into a new policy and I was still insured for the rest of the year.
An at-fault total loss payout frequently terminates the policy.
Fair enough. I wasn't 100% sure so was interested. Thanks for the reply!!
#32
Thankyou everyone for your input. Much appreciated :)
#33
Get a quote from Direct Line, they seem to be very competitive this year.
#34
5th march is on weekend and on weekend insurance is always up, change the date to 3rd, 6th or 7th of march to check insurance. I checked for a friend who wanted to start his car insurance on weekend, guess how much....£3k. Change date to mid week and that was £900~. oO
#35
Similair situation here. I started rummaging on comparison websites for next years insurance about 2 weeks ago. (It's due early March.) I was horrified to see all the quotes were over 2 times and above. Why? Another years NCB. I was genuinely worried. I waited till this week and called my current provider, despite not having a renewal letter. They said they had sent one and quoted me £2 above this years policy. Relieved? Oh yes. I asked why it had increased with another years NCB. A pause to speak to the 'Supervisor' and they came back with a £62 reduction.

Long winded way of suggesting that he/she contacts her current supplier. Maybe comparison sites don't always work. Best of luck.
#36
bingbing1
bingbing1
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?
Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.
The car is a basic diesel petrol 1.9 engine size.

Dut to be being very rare, 2 engined cars are extremely expensive to insure.
#37
saphiryman
5th march is on weekend and on weekend insurance is always up, change the date to 3rd, 6th or 7th of march to check insurance. I checked for a friend who wanted to start his car insurance on weekend, guess how much....£3k. Change date to mid week and that was £900~. oO


Really. That could be the case for my friend then. Because i have checked current policy, all the details are correct. And the details im inputting now are exactly the same. So couldn't figure out whats gone wrong. Hence the reason i wanted advice on this site. Thanks for taking your time out to reply.
#38
Diegobound
Similair situation here. I started rummaging on comparison websites for next years insurance about 2 weeks ago. (It's due early March.) I was horrified to see all the quotes were over 2 times and above. Why? Another years NCB. I was genuinely worried. I waited till this week and called my current provider, despite not having a renewal letter. They said they had sent one and quoted me £2 above this years policy. Relieved? Oh yes. I asked why it had increased with another years NCB. A pause to speak to the 'Supervisor' and they came back with a £62 reduction.

Long winded way of suggesting that he/she contacts her current supplier. Maybe comparison sites don't always work. Best of luck.


Thankyou. Might just give them a call. No point waiting for renewal letter. In the meantime im just getting stressed!
#39
andynicol
bingbing1
bingbing1
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?
Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.
The car is a basic diesel petrol 1.9 engine size.

Dut to be being very rare, 2 engined cars are extremely expensive to insure.





But never been quoted in region of 3k for insurance. Had the car 7 years now. Highest iv paid is £1100 few years ago. This year quotes are shocking!
#40
bingbing1
saphiryman
5th march is on weekend and on weekend insurance is always up, change the date to 3rd, 6th or 7th of march to check insurance. I checked for a friend who wanted to start his car insurance on weekend, guess how much....£3k. Change date to mid week and that was £900~. oO
Really. That could be the case for my friend then. Because i have checked current policy, all the details are correct. And the details im inputting now are exactly the same.
bingbing1
Diegobound
Similair situation here. I started rummaging on comparison websites for next years insurance about 2 weeks ago. (It's due early March.) I was horrified to see all the quotes were over 2 times and above. Why? Another years NCB. I was genuinely worried. I waited till this week and called my current provider, despite not having a renewal letter. They said they had sent one and quoted me £2 above this years policy. Relieved? Oh yes. I asked why it had increased with another years NCB. A pause to speak to the 'Supervisor' and they came back with a £62 reduction.
Long winded way of suggesting that he/she contacts her current supplier. Maybe comparison sites don't always work. Best of luck.
Thankyou. Might just give them a call. No point waiting for renewal letter. In the meantime im just getting stressed!

bingbing1
andynicol
bingbing1
bingbing1
Toon_army
Tell her to go on all the compare sites first.
I'm with Sky and there super cheap for me.
Is her car a GT or GTi? Or basic diesel petrol?
Been on all the comparison sites. The quotes are very high. 3k plus. Nothing less than 3k. Seems strange.
The car is a basic diesel petrol 1.9 engine size.
Dut to be being very rare, 2 engined cars are extremely expensive to insure.
But never been quoted in region of 3k for insurance. Had the car 7 years now. Highest iv paid is £1100 few years ago. This year quotes are shocking!
Casual interpretation of posts suggests alarming swaying between 3rd person and 1st person. Do that with an insurance company renewal and they will adjust the price to suit, or just decline to quote, which may cost the proposer more elsewhere subject to interpretation of "been declined insurance" disclosure obligation.

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