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Car Insurance

capricornianz Avatar
5y, 11m agoPosted 5 years, 11 months ago
Any idea why the car insurance rates are sooo high all of a sudden?

I got a rate of 450 last year and with 9 yrs NCD, I am this year getting 850+.

Nothing has changed. No claims made. No address change etc etc etc
capricornianz Avatar
5y, 11m agoPosted 5 years, 11 months ago
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Comments/page:
#1
my insurance went from £2100 to all of a sudden i can only get around £6000 the cheapest wtf oO
1 Like #2
you got to pay for being young. Im old and cheap. ha
#3
My renewal price more than doubled so I went on the comparison sites and got the same price as I paid last year.
#4
was that with same company? I pay 210 pound for mine. I would shop about if you havnt already. Its no wonder people dont take insurance out when paying premiums like that!
#5
No it wasn't with the same company but I seem to find the group who does Admiral, Diamond and Elephant always seem to come up cheapest.
#6
Mumofth3Obeast
No it wasn't with the same company but I seem to find the group who does Admiral, Diamond and Elephant always seem to come up cheapest.


+1
#7
quidco have some good deals
aviva £60 cashback..
#8
I always find the best quote on confused.com
#10
Mumofth3Obeast
I always find the best quote on confused.com


same here
#11
Mine has gone up over £120 a year even though I've gone from a 2.2 litre engine to a 1.2. My kids keep nagging me to put them on my insurance and I keep saying no!
#12
Directline was cheapest for me. Tried all the comparison sites and even though my insurance went up, it was still cheaper than anywhere else.
#13
oh, and as to the why have the rates gone sky high, someone has to pay for all their banking mistakes. A lot of insuance companies have investment arms, their investments nosedived and even though we bailed a lot of banks out, we are also bailing out these insurance companies.
Isn't it funny how little unseemingly related businesses can all be related, and how we, the public get shafted all the time by them.
#14
im screwed. 3 accidents in 2 years.
1 non fault. 1 should be non fault, but insurance accepted liability as I couldn't prove other party speeding to skip lights
3rd one, my fault, skidded into back of vehicle.
esure wont be renewing me =/
#15
5nowman
im screwed. 3 accidents in 2 years.
1 non fault. 1 should be non fault, but insurance accepted liability as I couldn't prove other party speeding to skip lights
3rd one, my fault, skidded into back of vehicle.
esure wont be renewing me =/


That is why premiums are on the rise.
#16
no... you are wrong.
premiums went up about 5% for the accidents in December due to snow alone. I've never made a false claim.
People claiming whiplash etc where there is none is on the rise, false claims are up.

There was a guy jailed recently who had accidents on purpose so others could claim.. lots of factors that cause insurance to go up


Edited By: 5nowman on Jan 08, 2011 09:45
#17
years back, About 5 miles from me, people could pay to sit in a car that was to be deliberatley driven against a wall, just to claim on the insurance!
#18
5nowman
no... you are wrong.
premiums went up about 5% for the accidents in December due to snow alone. I've never made a false claim.
People claiming whiplash etc where there is none is on the rise, false claims are up.

There was a guy jailed recently who had accidents on purpose so others could claim.. lots of factors that cause insurance to go up



I never suggested that you made a " false claim " you have had 3 claims, the fact that you have had that many accidents in such a short space of time is the reason that premiums are on the rise.


I would get some driving lessons if I were you.
#19
It's very easy to say someone needs driving lessons.
Imagine scenario, person turns right all of a sudden, no signal.
4x4 behind it breaks quickly. Car behind that (me) breaks but skids into that 4x4.
Not good. My fault as I hit the back of someone. Live and learn.


Sorry, didn mean to come across as you saying false claim.
10 years driving at 30, I've still got 8 years no claims luckily.

Inactive
5nowman
no... you are wrong.
premiums went up about 5% for the accidents in December due to snow alone. I've never made a false claim.
People claiming whiplash etc where there is none is on the rise, false claims are up.

There was a guy jailed recently who had accidents on purpose so others could claim.. lots of factors that cause insurance to go up



I never suggested that you made a " false claim " you have had 3 claims, the fact that you have had that many accidents in such a short space of time is the reason that premiums are on the rise.


I would get some driving lessons if I were you.
#20
Just Got 2 quotes myself.
Aviva - 1600
Tesco - with clubcard. 890
Both with legal cover too

Anyone recommend a good company? Gonna haggle to price match tesco!
#21
5nowman
Just Got 2 quotes myself.
Aviva - 1600
Tesco - with clubcard. 890
Both with legal cover too

Anyone recommend a good company? Gonna haggle to price match tesco!

try co-op

they have been cheapest for me last year and this year
#22
I'm not in my teens. Have a family car and also tried all the comparison sites and also the ones that are not listed there like direct line etc. The cheapest is still around 650, whereas last year I only paid 450 and that also with 9 yrs of protected NCD.

still cant understand why..
#23
5nowman


Sorry, didn mean to come across as you saying false claim.
10 years driving at 30, [b]I've still got 8 years no claims luckily.



How do you have 8 years no claim bonus when you have had 2 at fault claims, and one no fault..?
#24
Inactive
5nowman
Sorry, didn mean to come across as you saying false claim. 10 years driving at 30, [b]I've still got 8 years no claims luckily.
How do you have 8 years no claim bonus when you have had 2 at fault claims, and one no fault..?

I always protect my no claims. Esure verified it over the phone and are putting it in writing.
I don't know too much about no claims protection.... and claim years.
But esure verified all the details I need to move to another company.

I always protect it as I know it reduces the insurance, and I always get legal cover.
#25
ilovepink
5nowman
Just Got 2 quotes myself. Aviva - 1600Tesco - with clubcard. 890Both with legal cover tooAnyone recommend a good company? Gonna haggle to price match tesco!
try co-opthey have been cheapest for me last year and this year

Will check them out now! Cheers.
#26
5nowman

I always protect my no claims. Esure verified it over the phone and are putting it in writing.
I don't know too much about no claims protection.... and claim years.
But esure verified all the details I need to move to another company.

I always protect it as I know it reduces the insurance, and I always get legal cover.


I think that the protected NCB is with the company ie esure, I'm fairly sure that it isn't transferable to another company.

See this link;
http://www.non-standard-car-insurance.co.uk/types-of-cover.asp?ReferrerCode=INR9
#27
Try NFU

You have to give them a call but they are usually very competitive, and the quality of their cover is excellent. You can also get breakdown cover through them with your insurance extremely cheaply. I really recommend them.
#28
5nowman
Inactive
5nowman
Sorry, didn mean to come across as you saying false claim. 10 years driving at 30, [b]I've still got 8 years no claims luckily.
How do you have 8 years no claim bonus when you have had 2 at fault claims, and one no fault..?


I always protect my no claims. Esure verified it over the phone and are putting it in writing.
I don't know too much about no claims protection.... and claim years.
But esure verified all the details I need to move to another company.

I always protect it as I know it reduces the insurance, and I always get legal cover.


just to say that the premium goes up by quite a bit when you make a claim and then you get the max ncd off that higher value. A lot off pll used to think that if it was protected, it meant they could have a free accident without loss.

I have been meaning to write to the MP to highlight the fact that this industry is along the lines of 'charge as much as you like' .
It's a money making cow industry.
No wonder some ppl don't bother insuring their sub £1000 car as the premiums are not worth it.
#29
Wierd. I have been with 3 insurance companies throughout the 10 years, each one asked for proof from the previous company of the no claims, and in essence "carry the flag." They need the proof within 14 days of course, else the insurance is void.

Inactive
5nowman
I always protect my no claims. Esure verified it over the phone and are putting it in writing.I don't know too much about no claims protection.... and claim years.But esure verified all the details I need to move to another company.I always protect it as I know it reduces the insurance, and I always get legal cover.
I think that the protected NCB is with the company ie esure, I'm fairly sure that it isn't transferable to another company.See this link;http://www.non-standard-car-insurance.co.uk/types-of-cover.asp?ReferrerCode=INR9
#30
you're right, its not clear at all.. there should be a standard. I even know some companies offer 1 years on the day of signup if you have 0! like a bonus one years no claim!

Joey Bloggsy
5nowman
Inactive
5nowman
Sorry, didn mean to come across as you saying false claim. 10 years driving at 30, [b]I've still got 8 years no claims luckily.
How do you have 8 years no claim bonus when you have had 2 at fault claims, and one no fault..?
I always protect my no claims. Esure verified it over the phone and are putting it in writing.I don't know too much about no claims protection.... and claim years.But esure verified all the details I need to move to another company.I always protect it as I know it reduces the insurance, and I always get legal cover.
just to say that the premium goes up by quite a bit when you make a claim and then you get the max ncd off that higher value. A lot off pll used to think that if it was protected, it meant they could have a free accident without loss.I have been meaning to write to the MP to highlight the fact that this industry is along the lines of 'charge as much as you like' .It's a money making cow industry.No wonder some ppl don't bother insuring their sub £1000 car as the premiums are not worth it.
#31
5nowman
Wierd. I have been with 3 insurance companies throughout the 10 years, each one asked for proof from the previous company of the no claims, and in essence "carry the flag." They need the proof within 14 days of course, else the insurance is void.


But was that before you had the accidents.??

You must declare any accidents to your new insurers, if you do not, you will end up in serious trouble once they find out.

The fact that esure have declined you should ring alarm bells.
#32
It was before 2 of the accidents.esure will document I have 8 years no claims after the policy has finished. this will be info will be passed onto the new company.
I declare everything and let the companies make their judgement calls. undeclared = void insurance.



Inactive
5nowman
Wierd. I have been with 3 insurance companies throughout the 10 years, each one asked for proof from the previous company of the no claims, and in essence "carry the flag." They need the proof within 14 days of course, else the insurance is void.
But was that before you had the accidents.?? You must declare any accidents to your new insurers, if you do not, you will end up in serious trouble once they find out.The fact that esure have declined you should ring alarm bells.
#33
5nowman
It was before 2 of the accidents.esure will document I have 8 years no claims after the policy has finished. this will be info will be passed onto the new company.
I declare everything and let the companies make their judgement calls. undeclared = void insurance.




Good for you, though do not be surprised if the new company do not accept your protected NCD from esure.

Good Luck.
banned#34
5nowman
It was before 2 of the accidents.esure will document I have 8 years no claims after the policy has finished. this will be info will be passed onto the new company.
I declare everything and let the companies make their judgement calls. undeclared = void insurance.



Inactive
5nowman
Wierd. I have been with 3 insurance companies throughout the 10 years, each one asked for proof from the previous company of the no claims, and in essence "carry the flag." They need the proof within 14 days of course, else the insurance is void.
But was that before you had the accidents.?? You must declare any accidents to your new insurers, if you do not, you will end up in serious trouble once they find out.The fact that esure have declined you should ring alarm bells.

Esure are different in that they offer NCD protection for the life of the policy.

http://www.esure.com/helpful_resources/insurance_research/no_claim_discount/

You will find others only protect for around 2 claims in a 3-5 year period. Basically, when you get a quote elsewhere the NCD will be ignored once you put the fact that you have had 3 claims in the last 2 years. You really need to try to get Esure to insure you.
#35
Tried.. was willing to pay up to £500 extra =/ they have not declined it or cancelled it.. which helps me get another car insurance, the underwriters have changed their policy so renewal for me is not an option.

Tesco: You will not lose any of your no claim discount as long as: • no more than two claims are made in any period of three years.
After a second claim is made in any three-year period, this policy section will no longer
apply and any further claims will result in the loss of no claim discount.

co-op:
If you are entitled to a discount of 70% or more and there has not been more than one claim in the last three years, you may qualify for our Protected Discount Scheme. In return for an extra premium, this guarantees a discount of at least 70% at the next renewal date provided that there have been no more than two claims in the preceding three years (including claims with a previous insurer). Three claims will result in the Protected Discount Scheme being withdrawn at renewal.


Edited By: 5nowman on Jan 08, 2011 12:30
#36
capricornianz, MR1123. Did you get your car insurances sorted out?

as mentioned earlier, I went with tesco. had a credit card, which comes with a club bard automatically and purchased online. might want to check that out if you want?
will be kewl to find out how you got on. good thing i found about tesco was that the insurance came live that minute, some companies "go live" at midnight. Hope they are good!


Good luck

Edited By: 5nowman on Jan 08, 2011 15:37
#37
I'm a young driver who had a non-fault accident last year, I pay £330 fully comp with 2 years no claims. Year before I paid £360 and year before that, £540.

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