Car Insurance Renewal

[Beachball]

My wife just got her quote and her Car is Mitsubishi Colt Attivo 1124cc 2008 and the price was nearly £400 plus £70 Breakdown cover , and we have been with this insurance for at least 5 yrs but no more after today .
But the best thing i look online and saw a advert 1 yr free Breakdown cover with the Post Office and guess what i got a quote and my wife has saved £195 and everything is included and more .

 

[Mikey_74]

I tend to spend a couple of hours on the laptop every time an insurance is due for renewal, house car or pet, after I have obtained the best quote, I always phone back my current insurance and they tend to better the qoute then, it grieves me to spend so much money on a piece of paper that hopefully will never be used, but it's a known fact that all our policies are going up due to insured drivers and people who are involved in accidents caliming for whiplash and what ever else they can,

 

[MichaelE]

If you think your own insurance is expensive wait until your 17 son has to insure his 1.0 lt group 1 car worth £650.

 

[ValA.]

The premiums are absolutely extortionate - and it's shameful that this country almost encourages young drivers to drive ininsured by loading the premiums in such a way. We're talking about several thousands of pounds, for a car that has almost no value.
My son is now almost 26, and fortunately hasn't had a single accident, and has just qualified for some discounts because of no claims, and his age - but still pays £900 a year!
I know this group has the most accidents, and perhaps their ought to be more thorough driving lessons, including motorways, more speed awareness, stricter and more relevant driving tests, and also perhaps some 'time limited' insurance, so that they can't go out driving at 12.30 at night with their mates, but can insure their car and get to work and back.

 

[ProfJohnL]

Hello Val,

It will come as little solace, but the cost of insurance has very little to do with the value of the icar, but far mor to do with the cost of repairs and medical claims against the driver.
Modern cars now have so much function designed into body panels and structures, that what might seem a superfical ripple in some parts actually represents a significant impairment of the structural strength, or it's function as an energy absorbing crummple zone.
This is one reason why rear end collisions of a car with a towhitch, should be investigated, as the energy of the collision may have affected the floor pan of the car with no external visbible effects.

 

[colin-yorkshire1]

If you think your own insurance is expensive wait until your 17 son has to insure his 1.0 lt group 1 car worth £650.

or you can wait untill he is 62 has 40 years of claim free motoring 80% NCB and still can't get a quote less than £400. because of age loading (without NCB £2000 a year for a 1.7 diesel) my daughter has the same car has 25% NCB because of a previous accident and pays £245 for the same cover with the same insurer, it is less to do with the car repairs as John stated and more to do with the age of the driver.

 

[Beachball]

Also i forgot to mention i do know what it like my son when he was 17 and he had his heard set on a sports car but we manage to get him a sporty mini what was cheaper then what he wanted, what would have been £600 more . .
But the point i am making is my wife who is well over 50 insured a Nissan Mirca 1.0 E last year that was still dear but she has protected no claims that is at 9 years now a good clean driving licence .
The 2008 Mitsubishi Colt Attivo 1124 cc was dearer to insure the only difference is 124cc how can they charge that much extra ?

 

[Surfer]

We have a 1996 imported Toyota HiLux Surf 3.0L and generally the quote is about £250, but last year they wanted nearly £375 with about 20 years NCB. Changed insurers and got it down to £275, but it was a battle.
Getting to the stage we are thinking of trading in for a 2000 MY Toyota Landcruiser 3.0L just to keep insurance cost down.

 

[Martin24]

Hello Val,

It will come as little solace, but the cost of insurance has very little to do with the value of the icar, but far mor to do with the cost of repairs and medical claims against the driver.
Modern cars now have so much function designed into body panels and structures, that what might seem a superfical ripple in some parts actually represents a significant impairment of the structural strength, or it's function as an energy absorbing crummple zone.
This is one reason why rear end collisions of a car with a towhitch, should be investigated, as the energy of the collision may have affected the floor pan of the car with no external visbible effects.

Which is why when we traded in our old Rexton for the brand new defender we got a refund!! 30k difference in the value almost but the LR cheaper to repair!! though much easier and more likely to be stolen!!!!

 

[otherclive]

£223 for a 2010 Volvo. XC70 with two drivers 15k annual mileage £350 voluntary excess fully comp Europe cover and protected no claims. Been with this insurer for 10 years and the renewal quotes are always competitive so I do not shop around as they have an excellent reputation for dealing with claims if the worst happens

 

[emmerson]

We have a 1996 imported Toyota HiLux Surf 3.0L and generally the quote is about £250, but last year they wanted nearly £375 with about 20 years NCB. Changed insurers and got it down to £275, but it was a battle.
Getting to the stage we are thinking of trading in for a 2000 MY Toyota Landcruiser 3.0L just to keep insurance cost down.

Surfer, surely that doesn't make economic sense? The cost of the Land Cruiser would buy an awful lot of insurance for the Hi lux!

 

[DerekBrad]

Another factor to consider is this: My car was accidentally scraped this week (other driver who we know straightaway came and told me) I got a quote from a local bodyshop/garage, which was about £118. When I mentioned that the other driver may want to go through his insurance, the garage man said that it would be dearer if via insurance. When asked why, he said lots of things have to be done eg photos etc,and when pressed for a rough figure he said it would be in excess of £250 !! So it isn't altogether the insurance companies who are culpable in this scandal,but unscrupulous motor trade folk. So who would end up paying the £132 mark-up? you and I of course.
Happy days!
Derek

 

[Dustydog]

We have a 1996 imported Toyota HiLux Surf 3.0L and generally the quote is about £250, but last year they wanted nearly £375 with about 20 years NCB. Changed insurers and got it down to £275, but it was a battle.
Getting to the stage we are thinking of trading in for a 2000 MY Toyota Landcruiser 3.0L just to keep insurance cost down.

Surfer
Last July I went through the same tread mill. In the end , at that time, the Caravan Club Insurers were doing a "price match" less 10% and no problems about towing and towbars etc. I suggest they are worth a punt even now. Changing a good workhorse for a few hundred pounds premium seems a bit drastic to me

 

[mullsy1]

I always find that you get a cheap deal your first year then they hike it up on the renewal,especially now that most companies use an auto renewal system on your credit/debit card.I would say though,the cost of repairing relatively low speed accidents has rocketed what with the crumple zones and such.I remember being hit in a mk2 cortina by a volvo.Unbolted the chrome bumper straightened bumper iron out,second hand chrome piece,about £20.Probably over a grand for a similar repair today

 

[mealsonwheels]

The 'Honest John' motoring section in the weekend Telegraph has had several letters from readers recommending good service from Liverpool Victoria Insurance. I'm already with the Caravan Club, but when the time comes for renewal, I will get a quote from LV.

 

[otherclive]

I have been with LV for some years now and the nice thing is that they don't hike the rates up after year 1, so customer loyalty is valued. Also I find them very competitive on price for both our cars.

 

[norman_374478717]

Gave up loyalty years ago, when I realised that they do not value safe drivers. I shop around EVERY time. This year Aviva put up my premium by £1....I still had a look around and the best I could get, with £40 cashback was £375. Aviva kept my business.

I'm 65, drive a Freelander and have never had an accident that was my fault, so I think £215 for F/comp/protected N/C/legal Pro is a reasonable price.

It is a jungle out there....my neighbour is a case in point. She has not got a full licence, takes the car out on the school run ect. She then puts the car away and waits for the school of motoring car to turn up for a driving lesson. I have reported her but the local boys in blue are not interested. Just hope its not my car that she hits.

Norman

 

[DeliDave_]

For Surfer,you may remember I had an import delica and Tesco were very low compared to others and had the car on file,think I paid £180 fully comp including business use.