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Car Insurance- What a rip-off !!

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Took out car insurance last year with another firm & added my 2 years no-claims & 8 penalty points. This year my car insurance is up for renewal & it's over £140 more than last year. And when you ta… Read More
WheresMeNuts Avatar
8m, 6d agoPosted 8 months, 6 days ago
Took out car insurance last year with another firm & added my 2 years no-claims & 8 penalty points.
This year my car insurance is up for renewal & it's over £140 more than last year.
And when you take in to account that I now have 3 years no claims & also no penalty points it sort of proves it's all fake about having no points & no claims etc on getting a better deal.
WheresMeNuts Avatar
8m, 6d agoPosted 8 months, 6 days ago
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(1)
7 Likes
Who cares how much it costs. We want to know what you got 8 points for!?X)

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#1
Mine seems to go up every year regardless. Pays to shop around I guess.
#2
Same with motorbike insurance. I have an extra year's NCB this year, the bike is worth less and yet the renewal price has increased by £90 for the year.
3 Likes #3
They always suck you in with a cheaper than normal 1st year. Just move companies, get the cash back and save a fortune.
#4
miikeyblue
Mine seems to go up every year regardless. Pays to shop around I guess.
I did on that mysupermarket site :(
#5
Thats why it pays to look around every year.
Ive moved to France and it really extortionate here.
In the UK I was paying £110 fully comp for my bike and about £150 fully comp for my car. They both cost about €500 each here with full no claims.
#6
try price comparison sites like moneysupermarket ect ect
#7
depends a lot on your postcode and job
7 Likes #8
Who cares how much it costs. We want to know what you got 8 points for!?X)
#9
dundeemaltman
depends a lot on your postcode and job
I have almost the same postcode as last year,but have my own driveway this year as well.
Everything this year is more positive,yet the insurance goes up around 20%
#10
Also as bonkers as it sounds sometimes changing it from being parked in a garage to having it on a drive way will decrease the risk. Garages in certain areas are looked upon as high risk break in.
#11
If I declared the tracking device on my car, the premium was shockingly higher.
#12
I've been looking for car insurance but best I could find is 1900 (with additional driver who has 10 years) so don't know what y'all complaining about :(
#13
rhinopaul
Also as bonkers as it sounds sometimes changing it from being parked in a garage to having it on a drive way will decrease the risk. Garages in certain areas are looked upon as high risk break in.


same here having it on the road was no difference to having it on the drive or in the garage, in one quote it was cheaper on the road. also if you use it for business use as I do its cheaper than actually being employed. their logic is you look after it more.
#14
There's lots of things you can do to make it cheaper. And your 8 points may still be taken into account. As they are on your licence for 3 years but insurers rate on the last 5 years for motoring convictions. Also above mentioned the vehicle being cheaper will sometimes make insurance more expensive as there is more chance it will be written off in an accident. My advise is if you have a partner get them on the insurance with you as it's a lower risk. Also mileage is best around 7-8k a year. Loads of people think the lower the better but you're a higher risk if you hardly drive your car. Also a garage is generally a higher risk due to being out of sight and the knocks it can get in the garage. So best on the street in most cases or drive. As above mentioned though a quick comparison search never hurts.
#15
If you live with your partner make sure you enter cohabiting not single as that will save you money. If you're single do a quote with your parents on or experienced friends. Market value best to add a few ££ if around 2k put 2.5k. As it makes no odds from insurers point of view as they will only pay out what it's worth at the time anyway.
1 Like #16
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.


Edited By: Aiden1512 on Oct 16, 2016 11:05
#17
Your job title makes a big difference so always try a few variations of your actual occupation. You don't need to lie as there are a bunch of things that fit most jobs.
#18
I'm a Chef. My partner only has a provisional & has had it for around 12 years,but has been taken lessons again in the last 6 weeks.Does a provisional count ?
The 8 points are from 2011 & are now up.
#19
when was the last time an insurance company went bust or made a loss?. Exactly oO
#20
Just paid £170 for fully comp on a Volvo C70 D5.
I use price comparison sites to find the best deals (use more than one) and then see if I can save more by going direct via a cashback site.
The other hot tip is to be over 55 :) And not crash or break the law.
2 Likes #21
Aiden1512
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.

I'll try that on my next one night stand, then it will save me driving her home in the morning and save me a few quid! X)
#22
WheresMeNuts
I'm a Chef. My partner only has a provisional & has had it for around 12 years,but has been taken lessons again in the last 6 weeks.Does a provisional count ?
The 8 points are from 2011 & are now up.
It will still probably work out cheaper with the 2 of you on there. But will cost a lot more when they pass. But do an online quote through comparison sites both ways.

Edited By: JohnnyRoller on Oct 16, 2016 11:21
#23
JesStain
when was the last time an insurance company went bust or made a loss?. Exactly oO
Happens all the time - if it was easy money we'd all do it. Don't you remember when all the "Lloyds Names" lost their fortunes in the 90s/00s?
http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/insurance/5446813/Lloyds-Names-face-bankruptcy-as-court-battle-ends.html
#24
JesStain
when was the last time an insurance company went bust or made a loss?. Exactly oO
Lol almost all smaller insurers run at a loss. The money is made from the upgraded options you take out.
1 Like #25
GAVINLEWISHUKD
Aiden1512
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.
I'll try that on my next one night stand, then it will save me driving her home in the morning and save me a few quid! X)
Lol the truth is that it can half your insurance! So get her under covers and on cover!
#26
WheresMeNuts
I'm a Chef. My partner only has a provisional & has had it for around 12 years,but has been taken lessons again in the last 6 weeks.Does a provisional count ?
The 8 points are from 2011 & are now up.

Well take the chef off for sure. That was my partners profession and because he worked around alcohol it raised the price. No, provisional doesn't count/won't make a difference, how about an aunt or sister or any other female family member?

Edited By: Aiden1512 on Oct 16, 2016 11:28
#27
GAVINLEWISHUKD
Aiden1512
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.
I'll try that on my next one night stand, then it will save me driving her home in the morning and save me a few quid! X)

X) just pay for her taxi you tight git. :p
#28
Its solely based on risk factors, i.e. type of car u drive, how many miles u do in a year, the colour of the car (yes), your profession, years ncb, where you park (day/ night), type of cover, additional extras, but also if your area where you live has had alot of claims - they consider it high risk and put up premiums for everyone in that area...also Brexit hasnt helped (not sure how but maybe devalued pound)...but yes i agree with you -i feel that they just make up prices as they go along as a base rate through risk based approach rather than actual deal offers and fluctuates up or down based on that, u need to be driving for atleast a good 10 years nowadays to see some reductions.
#29
Oh and if you're using price comparison sites, find the 3 cheapest and then go direct for a quote usually works out cheaper. If you have a clubcard then tesco offer good clubcard discounts. We've been with tesco for 3 years now, the price goes up every year but rather than renew the existing policy we just start a new claim once the old one has ended, it's always a lot cheaper.
1 Like #30
Aiden1512
GAVINLEWISHUKD
Aiden1512
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.
I'll try that on my next one night stand, then it will save me driving her home in the morning and save me a few quid! X)
X) just pay for her taxi you tight git. :p

I always feel giving them a lift home makes me feel less bad about never contacting them again! X) Giving them £20 for a taxi and kicking them out just doesn't sit so well. :)
1 Like #31
GAVINLEWISHUKD
Aiden1512
GAVINLEWISHUKD
Aiden1512
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.
I'll try that on my next one night stand, then it will save me driving her home in the morning and save me a few quid! X)
X) just pay for her taxi you tight git. :p
I always feel giving them a lift home makes me feel less bad about never contacting them again! X) Giving them £20 for a taxi and kicking them out just doesn't sit so well. :)

Save yourself the bother next time and go to her place X)
2 Likes #32
Aiden1512
GAVINLEWISHUKD
Aiden1512
GAVINLEWISHUKD
Aiden1512
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.
I'll try that on my next one night stand, then it will save me driving her home in the morning and save me a few quid! X)
X) just pay for her taxi you tight git. :p
I always feel giving them a lift home makes me feel less bad about never contacting them again! X) Giving them £20 for a taxi and kicking them out just doesn't sit so well. :)
Save yourself the bother next time and go to her place X)

But your husband might protest! X)
3 Likes #33
GAVINLEWISHUKD
Aiden1512
GAVINLEWISHUKD
Aiden1512
GAVINLEWISHUKD
Aiden1512
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.
I'll try that on my next one night stand, then it will save me driving her home in the morning and save me a few quid! X)
X) just pay for her taxi you tight git. :p
I always feel giving them a lift home makes me feel less bad about never contacting them again! X) Giving them £20 for a taxi and kicking them out just doesn't sit so well. :)
Save yourself the bother next time and go to her place X)
But your husband might protest! X)

I don't have one ;)
#34
Use Quidco or Topcashback.
Aviva are normally the cheapest for me so last year I let it expire, took out a policy with someone else and cancelled within 14 days cooling off period then I was free to take out a new policy with Aviva and get cashback which is only for new policies.
Also if you add someone else to your policy it often works out cheaper for some reason!
Don't add Lewis Hamilton but someone 50+ with a clean license who doesn't live in the same house is ideal.
#35
I pay £1450, i have 10 years no claims, but then again i don't have personal car insurance. Also 5 years ago i paid £920 for the same policy, so it goes up roughly £100 each year for me.

No claims apparently gives you a discount, but i don't think they take into account more than 6 for a discount. If you have 20 years NCD it'll be the same as 6 years.

It doesn't just go up for the sake of it to annoy all the consumers, it goes up for various reasons outside of your or their (the insurers) control.

You MAY get cheaper if you shop around, in my case its impossible to get cheaper than what i pay. I expect to pay another £100 on top next year too despite ZERO accidents, ZERO points and endless NCD... means nothing.
#36
GAVINLEWISHUKD
Aiden1512
Try adding a female driver as the second driver, also change the where you keep the car at night to parked on the street. Usually helps a lot. Your occupation makes a difference as well. If for example you work somewhere that sells alcohol, the price goes up.
I'll try that on my next one night stand, then it will save me driving her home in the morning and save me a few quid! X)

Or him driving you home
#37
I got my renewal quote from Hastings a few months ago and it had gone up by over £200 despite no accidents or convictions and an extra years no claims. I tried a new quote on comparison sites for the exact same policy and it came out drastically lower, so I phoned Hastings and told them, then after some umming and arring and about 30 mins on hold they beat my lowest quote by about £17 a year. Also I've got my Mum as a named driver, that brings the price down by not far off £100. I know fronting is illegal, but have wondered if there is any loophole they can get you on by having a named driver who is never going to drive the car.
2 Likes #38
J4GG4
I pay £1450, i have 10 years no claims, but then again i don't have personal car insurance. Also 5 years ago i paid £920 for the same policy, so it goes up roughly £100 each year for me.
No claims apparently gives you a discount, but i don't think they take into account more than 6 for a discount. If you have 20 years NCD it'll be the same as 6 years.
It doesn't just go up for the sake of it to annoy all the consumers, it goes up for various reasons outside of your or their (the insurers) control.
You MAY get cheaper if you shop around, in my case its impossible to get cheaper than what i pay. I expect to pay another £100 on top next year too despite ZERO accidents, ZERO points and endless NCD... means nothing.

I'm 100% certain that with 0 points and 10 years NCD I could get your insurance cheaper than that, whatever car it is.


Hang on, what do you mean, 'I don't have personal car insurance'?

Edited By: deeky on Oct 16, 2016 15:03
#39
deeky
J4GG4
I pay £1450, i have 10 years no claims, but then again i don't have personal car insurance. Also 5 years ago i paid £920 for the same policy, so it goes up roughly £100 each year for me.
No claims apparently gives you a discount, but i don't think they take into account more than 6 for a discount. If you have 20 years NCD it'll be the same as 6 years.
It doesn't just go up for the sake of it to annoy all the consumers, it goes up for various reasons outside of your or their (the insurers) control.
You MAY get cheaper if you shop around, in my case its impossible to get cheaper than what i pay. I expect to pay another £100 on top next year too despite ZERO accidents, ZERO points and endless NCD... means nothing.
I'm 100% certain that with 0 points and 10 years NCD I could get your insurance cheaper than that, whatever car it is.
Hang on, what do you mean, 'I don't have personal car insurance'?

Motor trade ie.. can drive any vehicle including classic, high performance..etc.
1 Like #40
Ah ok. I withdraw my challenge then :p

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