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OMG car insurance nightmare!!

silkymolo Avatar
6y, 3m agoPosted 6 years, 3 months ago
My insurance is not due for renewal until October, but just had a quick look around a couple of comparison sites and am now very upset!! Did a quote as if starting next month and all of the quotes are over £300 more than I pay now, and I have an extra years no claims bonus!

What the heck is going on?

Do the quotes change from month to month?
silkymolo Avatar
6y, 3m agoPosted 6 years, 3 months ago
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#1
whatsThePoint
they change from day to day, get a quote at the end of the month when they have to hit their targets
sorry but that is so not true, i worked at one of the biggest brokers in the UK and they work on RISK not targets, best bet is try using confused.com they seem to pull the best quotes out the bag..
#2
ukmonkey
whatsThePoint
they change from day to day, get a quote at the end of the month when they have to hit their targets
sorry but that is so not true, i worked at one of the biggest brokers in the UK and they work on RISK not targets, best bet is try using confused.com they seem to pull the best quotes out the bag..


Tried that and the cheapest quote I got was £850 (I only paid about £550 this year), no bumps etc, an extra years no claims bonus etc Cheapest quote I got last year was £440, but that was with Hastings essential (too basic, and excess too high for my liking), ended up with Hastings Direct. Just praying my renewal is not gonna give me a heart attack!
1 Like #3
give co-operative a go. I had a similar problem, but they came in at loads cheaper than any others.

link
#4
Mine went up from £95 last year to £120 this year. I asked why and the lady I dealt with said the insurance taxes had gone up so everyones premiums will be going up too, regardless of the extra years no claims etc.
Ridiculous. Insurance companies are the most confusing bunch of ****** out there!
#5
You can bring it down slightly by going on a price comparison website, finding the best few deals, closing the windows and then go on http://www.quidco.com, find out who does the best cashback deals and getting it that way.
#6
minifish33
Mine went up from £95 last year to £120 this year. I asked why and the lady I dealt with said the insurance taxes had gone up so everyones premiums will be going up too, regardless of the extra years no claims etc.Ridiculous. Insurance companies are the most confusing bunch of ****** out there!


Oh boo hoo £120, lol just kidding, wish mine was that low!

Just done a quote with current insurer and that is £310 increase!

Gonna check the co-op link out boardingnuts, thanks
#7
insurance has risen due to the increase of claims and fraudulant claims. Unfortunately we have to bare the brunt. http://www.guardian.co.uk/money/2010/jan/28/car-insurance-costs-rise
#8
boardingnuts
give co-operative a go. I had a similar problem, but they came in at loads cheaper than any others.

link


Not too bad, only about £100 more, £13 a month with apr etc, can cope with that, just not the £40 extra a month.

Wish I could leave rep, but can't so you will just have to accept a hearty thank you for saving me from panicking up until my renewal comes through!


Also, anyone have any ideas as to why I only have 51 weeks cover with my current insurer? Only realised yesterday when I saw my policy. Start date 31/10/2009, ends midnight 23/10/2010??
1 Like #9
its worth getting the quote online and then calling the company. i did that this year and they went down in price on the phone. its always best calling and talking to them, can haggle.
#10
Also check LV (Liverpool Victoria),they always seem the cheapest for our cars, I did one of them today and it was £187 fully comp, £150 excess, including extras of legal expenses and protected no claims. Was about £155 last year. £20 topcashback too.

Edit: I don't think you can do online quotes after 10pm or something like that so you might have to wait until tomorrow to do a quote.
Also remember Direct Line doesn't come up on comparison sites and might be worth checking.

Edited By: sickly sweet on Aug 14, 2010 23:27: info
#11
sickly sweet
Also check LV (Liverpool Victoria),they always seem the cheapest for our cars, I did one of them today and it was £187 fully comp, £150 excess, including extras of legal expenses and protected no claims. Was about £155 last year. £20 topcashback too.


Have always had a nightmare with these! My first year insured on my own car I was in a trade union that gets a discount on LV insurance, their quote was £1000 more than my cheapest quote. They wanted £1650, went with Green insurance company for about £600. Worth a try now I suppose though, got some no claims bonus at least now!
banned#12
The insurance for our third car (Vauxhall Zafira) has gone up to £195. Disgusting! I've a mind to stick to 2 cars from now on!
#13
silkymolo

Have always had a nightmare with these! My first year insured on my own car I was in a trade union that gets a discount on LV insurance, their quote was £1000 more than my cheapest quote. They wanted £1650, went with Green insurance company for about £600. Worth a try now I suppose though, got some no claims bonus at least now!


No harm in getting a quote, takes 5 mins at most and they are incredibly reasonable for me and my family and beat the rest by a long way.
#14
guv
The insurance for our third car (Vauxhall Zafira) has gone up to £195. Disgusting! I've a mind to stick to 2 cars from now on!


3, now that's just greedy lol!!
#15
Well thanks for all the input everybody, has been very helpful!

Am falling asleep at the keyboard so night all x
#16
well mine went up from £960 to £1300 and that was the cheapest. But a bit of the hike was probably also due to a non-fault accident.
#17
My Mum was recently given 'my' quote and that had/has gon e up drastically again this year. She freaked before realising it was the wrong car - 'cos my car's bigger than hers - but the figure they gave her freaked me out too. When she queried why such an increase they said it was due to the high number of people with no insurance at all. It's difficult because when it is so expensive there's a part of me that wants to skip buying it too! I do think though that they take advantage, I was rear-ended whilst stationary, should have been clear-cut, but my premium went up as it was unsettled at the time, and of course I have to declare it even as a no-fault accident, and you can't tell me they don't penalize me for it - really. I never got reimbursed the diference that's for sure.

As for the comparison websites, in my experience they just give you bargaining power. I got great quotes last year, having out in that I'd had a no fault incident in a certain month of a certain year. Then, when I went further and had to give a specific date (the only changed/enhanced detail), the premium jumped up £300. I stayed with my original company, with what amounted to a different policy name, but got a little £20 or so off, plus cashback - amounted to about £75 off in total and better than a kick in the teeth, but why don't they just give you their best price in the first place and save us all some hassle?
#18
try swiftcover.com, just got ours for £260 (comprehensive cover)
#19
http://www.carinsuranceexplained.com/car_insurance_explained/insurance_postcode_risk.htm

Would be interesting to know if that is accurate, also if for high risk post codes if it might be worth having a walled/gated driveway would actually reduce premiums?
#20
I second swift cover, very good IMO - All of my cars are with them.
#21
does your mum or dad drive ?

try adding them as a named driver it can bring the price down a bit
#22
mine has only gone down by £50 from £600 to £550 but I've found on gocompare that elephant are offering the same for £415 so I'll be on the phone to mine on Monday as usual. Every year they do this and give me a rip-off yet I keep giving them the chance to better there quote.
#23
Tesco are normally good, if u have a clubcard u get extra money off or if someone else the house has a policy, u get another discount. go to them direct and see what they quote. They have currently also got an offer on where they give u a free MOT, go check it out
#24
..yep. I'm in the same boat. Though not as costly. Mine has gone up another 100..randomly. So I will def be searching around for better.

..Mine was tesco..so replying to the above. No good for me! :(
#25
I got 2 great deals last year from gocompare , Churchill & Saga ,but both companys this year increased there premiums by £80 . So, I had to find an extra £160 out of my already shrinking wage .
One company said there had been an overall increase of 20% within the companys . I shopped around with gocompare again and got 2 new deals ,this time from Rias & Hastings. How they justify an increase of £80 when there has been no claims ,beats me but an increase of £300 is robbery .
#26
give Adrian Flux a ring or there sister company Flux direct ive been with adrian flu last year and my insurance is due end of the month they cant beat there sister companys price of £610 :(
banned#27
ukmonkey
whatsThePoint
they change from day to day, get a quote at the end of the month when they have to hit their targets

sorry but that is so not true, i worked at one of the biggest brokers in the UK and they work on RISK not targets, best bet is try using confused.com they seem to pull the best quotes out the bag..

+1

LOL hard at quotes are worked on sales targets!

Insurance is going up for everyone due to the rise in uninsured drivers
#28
A lot of people are reporting major hikes in their premiums on the car forums i frequent. They claim that the insurance companies are blaming the weather for the increase as there was a large number of insurance claims with the snow / floods that we have been experiencing in the last couple of years.

Shopping around is the only way to combat this.
#29
deanos
does your mum or dad drive ?try adding them as a named driver it can bring the price down a bit


Tried this last year with my dad after reading this on a yahoo guide to insurance, he has been driving for 35 years, over 10 years no claims, bumped price up by £500 a year?!??
#30
carloskev
Tesco are normally good, if u have a clubcard u get extra money off or if someone else the house has a policy, u get another discount. go to them direct and see what they quote. They have currently also got an offer on where they give u a free MOT, go check it out


They wanted £1100, currently paying about £600
#31
Carley
A lot of people are reporting major hikes in their premiums on the car forums i frequent. They claim that the insurance companies are blaming the weather for the increase as there was a large number of insurance claims with the snow / floods that we have been experiencing in the last couple of years.Shopping around is the only way to combat this.


Get's you doesn't it that as a good driver, you have to pay for everyone elses mistakes/accidents. Not that good drivers don't have bumps. You should be guaranteed a reduction in car insurance for every year with no cliam, even if it's only a £10 reduction over the year!!

home insurance is the same though, in the 4 years I have had home insurance, have never had a decrease, and have never made a claim!!
#32
silkymolo
deanos
does your mum or dad drive ?try adding them as a named driver it can bring the price down a bit


Tried this last year with my dad after reading this on a yahoo guide to insurance, he has been driving for 35 years, over 10 years no claims, bumped price up by £500 a year?!??


Knocked £40 off my premium last year
banned#33
andymwh1972
You can bring it down slightly by going on a price comparison website, finding the best few deals, closing the windows and then go on http://www.quidco.com, find out who does the best cashback deals and getting it that way.


I tried that and the price through quidco and TCB tended to be higher than going to the insurers direct or through comparison sites.

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