Is car insurance a load of old B$%^&*@KS???? - HotUKDeals
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Is car insurance a load of old [email protected]????

Trickyjabs Avatar
7y, 10m agoPosted 7 years, 10 months ago
Just got a quote and, despite checking all the sites I can think of, for the 4th year running the price has hardly changed, despite building up a No Claims Bonus over that time.

Anyone else getting this, or is it just me?
Trickyjabs Avatar
7y, 10m agoPosted 7 years, 10 months ago
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#1
Got mine £400 cheaper for a years no claims lol.
So im happy!
Shop around and dont use the comparison sites, go to them direct much cheaper!
banned#2
How old are you? What do you drive?
#3
mine has been going down each year. now paying £124 for fully comp.

original renewal quote was £168 so rang the same company pretending to be a new customer. quote came to £124 for same cover!

never trust a renewal quote
#4
I've tried quidco but I think that they add the extra on top when you go through the link. I have tried getting a quote without going through the quidco link and have then used exactly the same details going through quidco and it's always significantly more expensive. Anyone else had the same?
#5
chocci - who's that with please? I've held a driving licence for over twenty years. I've got maximum no claims bonus as I've never made a claim. No points or anything. Only a 1.4 car worth about 500 pounds. Kept in a locked garage overnight and I can't find a quote anywher for less than about £250.
#6
sbeard1;4097692
chocci - who's that with please? I've held a driving licence for over twenty years. I've got maximum no claims bonus as I've never made a claim. No points or anything. Only a 1.4 car worth about 500 pounds. Kept in a locked garage overnight and I can't find a quote anywher for less than about £250.

This is where age comes in useful SAGA for the over 50`s
#7
id advise everyone to try tesco compare. they were really cheap for me and some friends. the difference in price is usually down to the postcode! for example if you live in an area with lots off crime or accidents the premium is gioing to be higher.
#8
sbeard1
chocci - who's that with please? I've held a driving licence for over twenty years. I've got maximum no claims bonus as I've never made a claim. No points or anything. Only a 1.4 car worth about 500 pounds. Kept in a locked garage overnight and I can't find a quote anywher for less than about £250.


Do you live in Gaza? :whistling:
#9
Live in Coventry. Not the best area around but not too bad either. I've used all the top comparison sites. Go-compare, compare the market etc etc and the cheapest I found was £248. Tried ging through the quidco link to the same companies as the cheapest quotes on te comparison site and they all came out more expensive doing it that way. Perhaps it is the postcode, I might try putting the same details in with a posh postcode and see if it makes much difference.
#10
Just got a quote on the tesco site of £469!!!! That was with a voluntary excess of £350, no replacement car or legal cover. What on earth am I doing wrong?
#11
ADAMHODG
Got mine £400 cheaper for a years no claims lol.
So im happy!
Shop around and dont use the comparison sites, go to them direct much cheaper!

have to agree this year i tried the comparison site and found they were rubbish, you would get a quote and think ooh thats cheap then they will say "do you want to protect your no claims for this much extra" and "do you want legal cover etc " so then it bumps it up:x
#12
sbeard1
Just got a quote on the tesco site of £469!!!! That was with a voluntary excess of £350, no replacement car or legal cover. What on earth am I doing wrong?


Your occupation wouldn't involve motor sport would it? :-D
#13
Postcode definitely makes a considerable difference, I have friends with similar cars and insurance setups but their insurance is three to four times as much as my own as I live in a quiet place in the Highlands whereas they're closer to major cities.

Admittedly though I do frequently come across strange insurance prices, I'm currently organising insurance for my first 'big bike' having passed my test this week. I passed my CBT last summer and been riding a little 14bhp 125 which I bought second hand, I of course was getting ready to bit the bullet with the insurance quotes for the new bike but to my surprise they were far less...over 100 pounds in some case from the same insurer?? This is despite the fact I still have no claims for the bike and obviously my car situation hasn't changed much since last year although I assume it does help to have held a car license for over 11 years.

Similarly when I changed my car for a newer and more powerful one which was five insurance groups higher I thought the insurance premium might go up a bit but actually it was exactly the same as the previous car.

Obviously I'm not complaining in either of these cases but I do agree it makes little sense at times. According to lecturers at university insurance classification systems do tend to use neural networks in an attempt to process a large number of different factors and boil it down to a simple price. Whether it's true or not I don't know but the facts seem to fit, unlike conventinal computer programming only the structure of a neural network is programmed - the internal configuration is handled by training the system with examples and telling it when it's right or wrong. Therefore results can be erratic if the training samples weren't good enough.

John
#14
Johnmcl7
Postcode definitely makes a considerable difference, I have friends with similar cars and insurance setups but their insurance is three to four times as much as my own as I live in a quiet place in the Highlands whereas they're closer to major cities.

Admittedly though I do frequently come across strange insurance prices, I'm currently organising insurance for my first 'big bike' having passed my test this week. I passed my CBT last summer and been riding a little 14bhp 125 which I bought second hand, I of course was getting ready to bit the bullet with the insurance quotes for the new bike but to my surprise they were far less...over 100 pounds in some case from the same insurer?? This is despite the fact I still have no claims for the bike and obviously my car situation hasn't changed much since last year although I assume it does help to have held a car license for over 11 years.

Similarly when I changed my car for a newer and more powerful one which was five insurance groups higher I thought the insurance premium might go up a bit but actually it was exactly the same as the previous car.

Obviously I'm not complaining in either of these cases but I do agree it makes little sense at times. According to lecturers at university insurance classification systems do tend to use neural networks in an attempt to process a large number of different factors and boil it down to a simple price. Whether it's true or not I don't know but the facts seem to fit, unlike conventinal computer programming only the structure of a neural network is programmed - the internal configuration is handled by training the system with examples and telling it when it's right or wrong. Therefore results can be erratic if the training samples weren't good enough.

John


You writing your thesis? :-D
#15
"Your occupation wouldn't involve motor sport would it?" lol

No, I'm an accountant so hardly a high risk occupation. I phoned Tescos and asked them why the quote was so high. They looked through all my details and said they couldn't see any reason why but that was what it was coming up at. Didn't try to reduce it in any way just basically said that's the price, take it or leave it! I do live in a city so maybe that's it but I'm surprised it makes quite such a difference.

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