What does everyone pay for they car insurance?

35
Posted 29th Jul
Just wondering what people pay.


Im looking at buying a different car and insurance for a Skoda Octavia (the car I'm after) would be just over £1000.

I'd be going from a basic trim 2007 1.2 Corsa that I've been paying about £450 per year to insure, to a 2014 1.6 tdi Octavia that's almost top of the range. I'm not sure if it's normal to pay that much more

Edit: I'm mid thirties! and was comparing prices at 5000 miles per year. Nothing else on my policy of note.
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Ask a 100 people to give you a quote for the vehicle you mention and you'll get 100 different quotes.
Edited by: "Gollywood" 29th Jul
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372 for my Fiat Panda 2013 (2012-onwards version); 1st time driver but I’m over 30 so that’s probably a factor why the premium insurance was low
Did you go through compare the market?
I had a similar thing with my insurance, , was looking for an "estate style" car and kia, hyundai were around the £500 Mark but when I put in a volvo equivalent it jumped up to around £900, even though the volvo has the safety history, I thought it would be cheaper...

I know you want the skoda but they are made by vw, so could there be a vw passant (no idea if they still make them) equivalent that you could buy that might be cheaper to insure?
Edited by: "nopartylikeansclubparty" 29th Jul
I pay about 320 for my seat Ibiza 1.4.FR 64 plate.
Ford fiesta for me & Gf. £72 per year fully comp (£50 excess) after £35 topcashback with Sheila's wheels
Edited by: "chocci" 29th Jul
£367 for Audi A1 diesel 18 plate
minhp29/07/2020 05:42

372 for my Fiat Panda 2013 (2012-onwards version); 1st time driver but I’m …372 for my Fiat Panda 2013 (2012-onwards version); 1st time driver but I’m over 30 so that’s probably a factor why the premium insurance was low


I’ve been nearly driving for 4 years and it’s dropped from around 1k to £400. Currently have a 69 plate Kia proceed 1.6 diesel. Age certainly is a factor and where you live also seems to. I live in a nice area of my town my sister lives around a mile away in a council estate and the difference between my house and hers was £500 when all the details were the same for her bar swapping her address with mine
Ask a 100 people to give you a quote for the vehicle you mention and you'll get 100 different quotes.
Edited by: "Gollywood" 29th Jul
I once haggled my taxi insurance from £1300 down to £600, was well chuffed.
Take a look at by miles, very strict criteria on car and person.
If accepted can get a very good price.
London post code for me, Peugeot 5008 1.6 diesel.66 plate.
£170 plus 3.2p a mile year one. Year two £215 plus 4.5p a mile.
Both years cost me under £350 in total.
Next best price for 3000 miles was £720 Or £750 I think.
Works well as you pay the £215 upfront and the mileage charge each month like a mobile contract.
Plus if you get a referral you both get £50 of free miles.
Worth a look.
Find the same car your looking for and use it’s reg plate.
That way you con use a referral on your car later.
The AA business insurance.
£556 this year. Was around £1000 last year and around £2000 my first year with different companies.
1.6 63 plate Alfa Romeo Giulietta.
25 years old. Driving for 3 years.
3 years no claims.

Insurance cost has a lot to do with your address, no claims, car type, mileage, job title, whether you have access to a company van/car (I do), age (it drops massively after 25 no matter how long you've been driving I think)

Confused.com has been the best compare site for me.
Edited by: "Cloeeez" 29th Jul
It definitely depends on a number of factors, age, experience, location etc. My son is 20 and has a 2016 Golf R estate with only two years NCB 6000m and only paid £800 fully comp and no black box with Admiral. My daughter had a 2004 Nissan Micra with one year NCB 7000m and this year was £650, same again with Admiral. Admiral through the comparison sites definitely seem to be cheaper for younger drivers at the moment. My son also has his van with them as well. I have a 2004 Golf diesel and pay well under £300. This is with us living in N. Essex.
Edited by: "wkdandyly" 29th Jul
Money 💰
Cloeeez29/07/2020 07:16

The AA business insurance.£556 this year. Was around £1000 last year and a …The AA business insurance.£556 this year. Was around £1000 last year and around £2000 my first year with different companies.1.6 63 plate Alfa Romeo Giulietta.25 years old. Driving for 3 years.3 years no claims.Insurance cost has a lot to do with your address, no claims, car type, mileage, job title, whether you have access to a company van/car (I do), age (it drops massively after 25 no matter how long you've been driving I think)Confused.com has been the best compare site for me.


It drops massively when you are 25 and over, and also when you have one years no claims under your belt.
MIDURIX29/07/2020 07:42

It drops massively when you are 25 and over, and also when you have one …It drops massively when you are 25 and over, and also when you have one years no claims under your belt.


Yup, pretty much one of the only good things about getting old is cheaper car insurance. I’m early forties, got a 2006 Fiesta ST £165 a year and a 2016 Octavia VRS at £270 a year both fully comp
danzab29/07/2020 07:52

Yup, pretty much one of the only good things about getting old is cheaper …Yup, pretty much one of the only good things about getting old is cheaper car insurance. I’m early forties, got a 2006 Fiesta ST £165 a year and a 2016 Octavia VRS at £270 a year both fully comp


Indeed, the advantages of being old.
2014 Nissan X-Trail and a 2005 Honda CRV both fully comp and protected no claims (which I know is a waste of money) both me and the Mrs driving both cars £390 a year all in.
I'm assuming you're going for a different company? What I find is when I change car the existing insurer is rarely the cheapest. Unfortunately I have to transfer the insurance to maintain the years NCB. But once insurance comes up for renewal I can find a cheaper price with someone else. My recent change from a Saab 9-3 to a Skoda Superb has cost me quite a bit extra because it's still the same insurer, but doing a check for renewal prices shows the amount will come right down once I get to the end of the year.
£360 for a Nissan 370Z.

Mind you road tax is almost £50 per month.
I’ve got a 1.6 Toyota CH-R and pay about £250 a year
Bit meaningless comparing what other people pay without also taking into account how many miles they and you do, how old you are, how many claims you have, where you live, etc. £1000 could be either a bargain or a rip-off!
As someone mentiond earlier, location, mileage, age of you, age of car, class of car, whether you're married/2nd driver, occupation etc all make a difference.
paul_merton29/07/2020 08:56

Bit meaningless comparing what other people pay without also taking into …Bit meaningless comparing what other people pay without also taking into account how many miles they and you do, how old you are, how many claims you have, where you live, etc. £1000 could be either a bargain or a rip-off!


This.

I pay in the region of £250 fully comp, I drive a MINI JCW but have many years NCD, in my 40s, drive less than 6,000 miles per year currently, no claims or points, and live in a remote area
Edited by: "joeydeacon" 29th Jul
As others have mentioned, a lot of factors affect prices. I pay about £250 Fully Comp. on a 1.9dci Scenic (17yrs old, but great mpg! ), includes commuting, no Vol. Excess and low mileage . Three of us on policy, I'm late 50's, hubby mid 60's and son 27. Got a £25 refund too from Admiral recently due to Covid situation
Best to shop around.
For young drivers it can be cheaper to add an 'older' experienced person (parent, uncle etc.) as a named driver if they have a good No Claims history.
I chose to pay extra (on top) for Car Hire option to secure bigger car in event of accident - they're 6'8 and 6'5 and a basic little "courtesy car" wouldn't be big enough!
Last year as an 18 year old I paid £2100 (third party fire and theft) on a turbocharged Astra 1.6 sport hatch

No driving convictions or claims and this year I’ve paid £1000 comprehensive (and I feel like I’ve got a bargain(confused) )

But yes, as others have said insurance can vary on a million and one different factors.
Last year 2013 Vauxhall Insignia 2.0 VRX was £500.00 for the year, someone wrote it off in September hit the back of me, This year 2008 Skoda Superb 2.0 Elegance £450.00...

Myself and Wife on policy.
Edited by: "MrSprkle" 29th Jul
Skoda superb estate 170bhp 2.0 tdi - £230 fully comp
nissan leaf £220 fully comp

Try putting a higher mileage in. 5k is old duffer pottering around town bouncing off parked cars mileage.
Pointless question as there are so many variables preventing any sort of meaningful comparison, but as you asked:

£470 fully comp on a new Kia Niro, that's with 2 drivers in their 40s, no claims or convictions, 10,000 miles with 1,000 miles of business use. With our age and driving record it's the postcode which bumps it up, where we live is actually a decent area but there are some really dodgy areas with the same first half of the postcode.
Edited by: "spoo" 29th Jul
Call Briskoda (Chris Knott Insurance) for your Octavia quote, Skoda specialists.

I am 30 and had a Mk1 VRS for £400 a year.
just renewed mine (was cheaper than buying from a new provider!). 2009 focus, 1,6L, £254 for fully comp w/ 2 added drivers.
£202 fully comp with an agreed value of £2500, passed 2 1/2 years ago and made an at fault claim last year that was over £1k for mine and the other car owners repairs, the year before it was just over £300, they sent a renewal price of around £500 so I got some quotes elsewhere that was about £180-190 so rand them up and they gave me the new price of £202 (didnt go with the cheaper ones because of how efficiently they dealt with mine, they had an assessor out within a couple of days to look at mine and made an offer of £400 cash to sort the repairs myself - the damage was a custom fiberglass rear wing that broke into several pieces, I just bought a pair of steel wings used with custom frenched lights for £50 - repaired the fiberglass one for under £20 in my own time - time from informing them to me having cash in my account 5 days!) This is with Adrian Flux for a 1974 heavily customised beetle - modified wheels and tyres, engine, lights, seats, dash, bodywork, exhaust etc - oddly enough if it was all standard the quotes would have been more. 44 years old (me not that car - thats even older)
Burnham198729/07/2020 06:47

I’ve been nearly driving for 4 years and it’s dropped from around 1k to £40 …I’ve been nearly driving for 4 years and it’s dropped from around 1k to £400. Currently have a 69 plate Kia proceed 1.6 diesel. Age certainly is a factor and where you live also seems to. I live in a nice area of my town my sister lives around a mile away in a council estate and the difference between my house and hers was £500 when all the details were the same for her bar swapping her address with mine


Yes, location is definitely a factor also. When I was looking for my first car, I was in Harrow and insurance quotes were around £1200ish for most cars and shortly I moved to Bexley, the quotes dropped to 600-800£ for most cars including Verso, Capur, Peugeot 2008. When I saw the Fiat Panda at 372 a year, that’s it and now I’m a proud 🐼 owner :-)
Ive paid between £150 and £300 every single year since i first started driving 31 years ago
Does everyone use comparison sites when renewing? I find the difference comparison sites all give different prices for the same insurance companies
36, married with kids
2.2 Litre Diesel Estate Mazda 6
£380 fully comp with direct line
£175 fully comp 6 years no claims and early 30s for a 09 plate i10 10k miles Inc commuting.
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