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Topic: Car Insurance

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Colin21

03/11/2023 at 2:09pm
Location: East Herts
Outfit: 1992 Elddis Wisp 450CT + X Trail

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Just recently had my car insurance renewal through and it's gone from £335 to £608 in just a year. Nothing has changed about me and it's the same car. I knew premiums had gone up this year but that is ridiculous.

I am convinced these insurers just pick a number out of thin air, double it, then see if they can get away with it. I'm still shopping around as I certainly won't be renewing with them! £475 is the best I have got so far. What also amazes me is on the comparison sites right down at the bottom, I always look just for a laugh, there are companies quoting me nearly £2,000. Do they ever get any customers?? I am a very experienced 74 year old trying to insure a 15 year old X Trail, not a 17 year old trying to insure a new Ferrari!

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Best Regards,
Colin

664DaveS

via mobile 03/11/2023 at 2:33pm
Location: Shropshire
Outfit: Bailey Phoenix GT 75

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It appears that us older folk are getting hit. We fixed both our car insurance price for 3 years with Saga, but I expect to see a big increase afterwards

I will be 72 soon, wife 70.

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bofs

via mobile 03/11/2023 at 3:06pm
Location: Cumbria
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My car insurance went up nearly £150, but checking other companies, my current insurer was still the cheapest, giving like for like cover, so I ended up renewing with them. Apparently nowadays it's not so much the cost of your vehicle if you need to claim, but the cost of other vehicles on the road that the insurers may have to pay out on, should it be a 3rd party claim.

daveyjp

03/11/2023 at 3:07pm
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Not really news as the increases have been well covered for months. 50-70% is quite normal. Mine went up 50% in June, but thankfully it is still affordable at just over £300.

Insurance companies have taken a battering over the last few years. Repair costs have increased, courtesy car costs increased as repairs have been delayed, write off values have increased, interest rate rises affect all businesses, inflation etc,

The biggie however is actuary calculations for future claims. In the last month there have been two significsnt storm events, thousands of vehicles will have been written off. Actuaries look at long term trends and these storms are now going to be part of every UK winter so need to be priced in to premiums.

Ancient Uncle

03/11/2023 at 3:26pm
Location: None Entered
Outfit: Coachman Festival

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Just wait until you get to 80. Some will not even offer insurance.

Colin21

03/11/2023 at 3:53pm
Location: East Herts
Outfit: 1992 Elddis Wisp 450CT + X Trail

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Quote: Originally posted by 664DaveS on 03/11/2023
It appears that us older folk are getting hit. We fixed both our car insurance price for 3 years with Saga, but I expect to see a big increase afterwards
I will be 72 soon, wife 70.

I thought Saga were supposed to be good for us oldies, but quotes I have had from them in the past have been astronomical! Much dearer than many insurers that have no age limitations.

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Colin

Mrs. Bonce

via mobile 03/11/2023 at 4:15pm
Location: Luton (no jokes plea
Outfit: Coachman and Hyundai

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Saga are useless!

iank01

03/11/2023 at 4:23pm
Location: Worcestershire
Outfit: Buccaneer Cruiser

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We have a 2018 Jeep GC and renewing with the same insurance company AXA was £40 so no issue there. Renewing insurance for 1996 Corolla was about the same as the previous year and also with the same company Lloyds.

Dot P

via mobile 03/11/2023 at 5:11pm
Location: North Wales
Outfit: Campervan

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I had letter from Swinton renewal due in 28 says with an increase from £288 to £378. When we hadn't contacted them in 14 days (as away) second reminder arrived with price of £238!

I rang around and changed to another company for £236 - £2 but was more the principal.

Colin21

03/11/2023 at 6:08pm
Location: East Herts
Outfit: 1992 Elddis Wisp 450CT + X Trail

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I have gone with the £475 quote as I don't think I'll better it for the same cover. I'm just amazed at the variation between the different companies and how different companies view different vehicles.

ClubCare from C&CC, who I still get my caravan cover from, once gave me very good rates on my Volvo V70 so I stayed with them for several years. When I switched to a Hyundai Tucson the quotes from them went really silly, so I switched to a company who had given me astronomical quotes for the Volvo. I tried ClubCare again on the X Trail, but still no good. Like I was trying to insure a Ferrari.

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Best Regards,
Colin

starcraft

04/11/2023 at 12:26pm
Location: Suffolk
Outfit: Romahome Hylo

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Makes my £250 look a bargain, but I don't think it is.
I've just got the old girl (2005 Nissan Cube) through the mot, had she failed I'd have scrapped and walked away. I've come to the decision that when the insurance expires, that's it. I'll use the train (station is 200yds from home) to town with a senior discount fare and onward with the bus pass.
Too many aches and pains for camping so static caravans off peak from now on.

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Knowledge is recognising that a tomato is a fruit: experience is not putting it in a fruit salad.

Mrs. Bonce

via mobile 04/11/2023 at 12:31pm
Location: Luton (no jokes plea
Outfit: Coachman and Hyundai

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Cheapest renewal quote for our 2020 Santa Fe is £900 odd. No idea why it's so expensive.

Fiona W

via mobile 04/11/2023 at 3:06pm
Location: Ayrshire
Outfit: Auto-Sleeper MHs

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We looked at which insurance company the broker (John Lewis) was going to, and went direct to them rather than pay for the broker’s profit. OH pretty much halfed his insurance that way.

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bofs

via mobile 04/11/2023 at 5:27pm
Location: Cumbria
Outfit: Coachman VIP 520

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Quote: Originally posted by Mrs. Bonce on 04/11/2023
Cheapest renewal quote for our 2020 Santa Fe is £900 odd. No idea why it's so expensive.

Wow, that is expensive! Our 2018 Sorento was around £460 this year. Of course, where you live affects the premium too.

Mrs. Bonce

via mobile 04/11/2023 at 9:15pm
Location: Luton (no jokes plea
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Think we will have to move!

bofs

via mobile 04/11/2023 at 10:27pm
Location: Cumbria
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