I don't get Car Insurance......

73
Found 17th Sep 2010
Morning all,

The wife's car insurance is due for renewal soon, she has just got herself a 54 plate Vauxhall Meriva 1.7cdti for the impending baby arrival.

She has 6 years no claims, no convictions, no accidents, no claims & the cheapest quote I've got is just over £800 !!!

This is on a group 6 car & I've tried all the major comparison websites??

What I don't get is that by comparison (i.e postcode/address), I have a Land Rover Freelander 2 HSE & pay less than £700 (thats with less no claims bonus, male driver, more mileage etc).

I just don't get it ????

73 Comments

Banned

You're a bloke. You are capable of driving in a straight line, she is not.

Check your excess, made big difference on my premium.

add yourself in her insurance, it'll bring it down a notch.

how old are you how old is she??

I think all insurance has shot up in the last 12 months, probably with the state of the economy more people are committing insurance fraud.

Extra charge for spoiling the landscape with such an ugly car?

In seriousness, sounds very pricy. Given that she has 6 yrs no claims, have u tried privilege? I think they used to have some special deals for long time NCB
Good luck with the baby!

just to add, try calling footman james (broker),they seem to get really cheap quotes

Sloth/Mod

I got a new Grande Scenic and pay less than £200 a year fully comp.........i must be old. X)

Banned

Syzable

I got a new Grande Scenic and pay less than £200 a year fully … I got a new Grande Scenic and pay less than £200 a year fully comp.........i must be old. X)



yes you are X)

Thats seem awfully high mate

We have a 1.6 Focus C-max Zetec - Insurance group 6.

My GF is 27 with 6 years no claims, I am 31 and only been driving 3 years (named driver)

We pay less than £300 per year fully comp through E-sure

Sloth/Mod

dog_cop

yes you are X)



But still younger than you.

tinkerbell28

Aww I miss my grand scenic my little baby but now I have my all poweful … Aww I miss my grand scenic my little baby but now I have my all poweful 3l grande espace, everyone moves out of my way mwahahahaha.



The Venga Bus.

Thats seems far too high. We have an xc90 and our insurance is only 300 and something.
Have you tried swift cover, they're pretty cheap?

Original Poster

vibeone

You're a bloke. You are capable of driving in a straight line, she is … You're a bloke. You are capable of driving in a straight line, she is not.



Thats quite funny for you

Sloth/Mod

Doh!!!! Back to changing gears and squishing behind the wheel then. lol

Original Poster

Mentor

Check your excess, made big difference on my premium.



Excess on both is less than £250

Aviva seem unbeatable at the moment as the offer 2 months free. Plus you get around £50 quidco cashback!

Original Poster

samwants2save

add yourself in her insurance, it'll bring it down a notch.



Tried that & the Premium went up.......

Original Poster

shamus1975

how old are you how old is she??



We are both 28

Original Poster

MarvinHC

Extra charge for spoiling the landscape with such an ugly car? :pIn … Extra charge for spoiling the landscape with such an ugly car? :pIn seriousness, sounds very pricy. Given that she has 6 yrs no claims, have u tried privilege? I think they used to have some special deals for long time NCBGood luck with the baby!



Thanks mate - I'll give them a try

Sloth/Mod

ChrisUK

Tried that & the Premium went up.......



Marry her and it will drop. Have kids and it will drop some more.

Strange but true.........you are seen as a lower more mature risk.


edit : Just noticed you are married.............scrub no.1 and get to work on no.2. lol
Edited by: "Syzable" 17th Sep 2010

Original Poster

samwants2save

just to add, try calling footman james (broker),they seem to get really … just to add, try calling footman james (broker),they seem to get really cheap quotes



I'll look them up as well, cheers

Original Poster

DJNG22

Thats seem awfully high mateWe have a 1.6 Focus C-max Zetec - Insurance … Thats seem awfully high mateWe have a 1.6 Focus C-max Zetec - Insurance group 6.My GF is 27 with 6 years no claims, I am 31 and only been driving 3 years (named driver)We pay less than £300 per year fully comp through E-sure



I'll give E-sure a try as well. Thanks

Insurance prices have significantly increased since January. There is a bbc article about it.

Apparently because of all the bad weather and claims that came with it including insurance fraud etc.

My insurance went up by at least 20%. including everyone in my family.

=\

Original Poster

galareho

Thats seems far too high. We have an xc90 and our insurance is only 300 … Thats seems far too high. We have an xc90 and our insurance is only 300 and something.Have you tried swift cover, they're pretty cheap?



I've tried all the comparison sites so far, not gone through anyone direct just yet. I'll give swift cover a bash though. Thanks

Original Poster

Syzable

Marry her and it will drop. Have kids and it will drop some more.Strange … Marry her and it will drop. Have kids and it will drop some more.Strange but true.........you are seen as a lower more mature risk.edit : Just noticed you are married.............scrub no.1 and get to work on no.2. lol



lol - I'll get a hareem & see if that sorts it out. In fact, scrub that, I'd rather pay high insurance prices......

DJNG22

Thats seem awfully high mateWe have a 1.6 Focus C-max Zetec - Insurance … Thats seem awfully high mateWe have a 1.6 Focus C-max Zetec - Insurance group 6.My GF is 27 with 6 years no claims, I am 31 and only been driving 3 years (named driver)We pay less than £300 per year fully comp through E-sure



You must either be lying or you must live in an town/island where you and your GF are the only inhabitants..

You tried Direct Line? I don't think they're on any of the comparison websites, they were by far the cheapest for me for years!!

I'm with Sainsburys now, got a 59 plate astra 1.6 and my insurance is only about £300...

Original Poster

mus_ne

Insurance prices have significantly increased since January. There is a … Insurance prices have significantly increased since January. There is a bbc article about it. Apparently because of all the bad weather and claims that came with it including insurance fraud etc. My insurance went up by at least 20%. including everyone in my family. =\



I got my car in March (baby was a perfect excuse to get a big car !) & the insurance wasn't so bad (I'm paying about £700, but on a car worth £35000 3 years ago). This has just shocked me though, as I thought her's would be around £400-500

Original Poster

ps - sorry I'm replying to you all individually, I did a big post with multi quotes & it only posted 2 of them !!!

Original Poster

I normally hit the comparison sites, see who is cheapest, then go to them direct via Topcashback/Quidco.

Just seems weird that they are all coming back high.

Don't forget, the £800 was the CHEAPEST I got, some of them were over 2 grand !

try the AA, my wifes renewal has just come through for a 07 plate 1.6 meriva at £157 (Fully Comp)


Original Poster

Right, will try a few of the suggested, I'll report back with the findings.

Thanks guys, will rep you all at the end

Original Poster

The Fox

try the AA, my wifes renewal has just come through for a 07 plate 1.6 … try the AA, my wifes renewal has just come through for a 07 plate 1.6 meriva at £157



Cheers mate, but the AA were expensive & included in most of the comparison sites

Banned

OK time for a serious post...

Goto your favourite comparison site of choice, fill in your details, see list of policies
Write down the cheapest 5 that you have actually heard of - ignore the ultra cheap random ones - you get what you pay for.
Close browser, clear cache, clear cookies ideally download a new browser.
Goto quidco/topcashback and add to your list the price taking into account cashback.
Choose your best price, click through the tracking list, ensure you answer "no" if they "find an existing account" or similar - make sure you appear as a new customers without competing cookies etc.

Boom!

PS: Always remove Hastings Direct from your list, regardless of price. Always always remove, and never be tempted
Edited by: "vibeone" 17th Sep 2010

Original Poster

DJNG22

Thats seem awfully high mateWe have a 1.6 Focus C-max Zetec - Insurance … Thats seem awfully high mateWe have a 1.6 Focus C-max Zetec - Insurance group 6.My GF is 27 with 6 years no claims, I am 31 and only been driving 3 years (named driver)We pay less than £300 per year fully comp through E-sure



Tried E-Sure........they wont provide an insurance quote. WTF ?

Original Poster

vibeone

OK time for a serious post...Goto your favourite comparison site of … OK time for a serious post...Goto your favourite comparison site of choice, fill in your details, see list of policiesWrite down the cheapest 5 that you have actually heard of - ignore the ultra cheap random ones - you get what you pay for.Close browser, clear cache, clear cookies ideally download a new browser.Goto quidco/topcashback and add to your list the price taking into account cashback. Choose your best price, click through the tracking list, ensure you answer "no" if they "find an existing account" or similar - make sure you appear as a new customers without competing cookies etc.Boom!PS: Always remove Hastings Direct from your list, regardless of price. Always always remove, and never be tempted



Thats what I do fella, but not paying £800 to insure a Vauxhall Meriva !!!

Original Poster

galareho

Thats seems far too high. We have an xc90 and our insurance is only 300 … Thats seems far too high. We have an xc90 and our insurance is only 300 and something.Have you tried swift cover, they're pretty cheap?



Swift Cover are coming back with £791.92......

Banned

I've used the following in recent years (last renewal I finally got rid of my 6 speeding points)... these gave me good deals over the past few years...

Zurich
Frizell
AA
LV
CIS

crappy edit bug :@

Edited by: "vibeone" 17th Sep 2010

Original Poster

greenhell

Aviva seem unbeatable at the moment as the offer 2 months free. Plus you … Aviva seem unbeatable at the moment as the offer 2 months free. Plus you get around £50 quidco cashback!



Not unbeatable for me I'm afraid...

Normal premium : £1669.00
Saving : £274.00
Your Quote:£1395.00 Per Month:£161.60

There must be something that you are inputting that is bumping the price up.

I can only think it will be home postcode, postcode where car is kept during day and status of parking, occupation?

Try adjusting the occupation to something similar but not the same to see if that changes it?
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