Author Topic: Car Insurance  (Read 42426 times)

Online BOBSCOUSE

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Re: Car Insurance
« Reply #320 on: April 1, 2016, 09:23:57 pm »
Anybody bother getting the breakdown/roadside recovery with the insurance company or do it separately through AA?
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Offline pazcom

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Re: Car Insurance
« Reply #321 on: April 2, 2016, 11:02:11 am »
Anybody bother getting the breakdown/roadside recovery with the insurance company or do it separately through AA?
I got mine through ASDA. It's £7 a month not sure the level of cover, quite sure it includes recovery though
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Re: Car Insurance
« Reply #322 on: April 2, 2016, 11:10:04 am »
All count yourselfs lucky anyway. I have just passed my test and I am getting quoted £2,500

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Re: Car Insurance
« Reply #323 on: April 2, 2016, 11:22:19 am »
All count yourselfs lucky anyway. I have just passed my test and I am getting quoted £2,500

Try looking at Admiral multi-car.
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Online BOBSCOUSE

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Re: Car Insurance
« Reply #324 on: April 2, 2016, 03:32:49 pm »
I got mine through ASDA. It's £7 a month not sure the level of cover, quite sure it includes recovery though

Thanks!
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Re: Car Insurance
« Reply #325 on: April 4, 2016, 05:20:32 pm »
Northern Ireland is absolutely pants for insurance - I remember reading that it's something like 10-20% more expensive than the rest of the UK.  I'm on the same car and job as last year, I'm a year older, have another year of no claims, yet my best quote (after haggling) is 25% more than last year's price... my cousin in England drives the same car as me, is two years younger and his job is a red-flag one, yet he pays a third of the insurance price I pay.

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Re: Car Insurance
« Reply #326 on: March 26, 2019, 05:18:20 pm »
Do you lose no claims discount if you take 6 - 12 months without driving?
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Re: Car Insurance
« Reply #327 on: March 26, 2019, 05:47:13 pm »
Do you lose no claims discount if you take 6 - 12 months without driving?

If I remember right from my time working for Esure, they would accept anything up to 2 years gap.

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Re: Car Insurance
« Reply #328 on: March 26, 2019, 07:43:37 pm »
If I remember right from my time working for Esure, they would accept anything up to 2 years gap.

Ta mate.
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Re: Car Insurance
« Reply #329 on: March 26, 2019, 09:23:21 pm »
Ta mate.

Don't take it as gospel, that was quite a few years ago!

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Re: Car Insurance
« Reply #330 on: March 27, 2019, 08:08:59 am »
Ta mate.

Check with your insurance how they long they allow, but I think it is still at least a 1 yr break is allowed.

I remember reading some advice last year about if you don't own a car but you other half does, swap the main driver over on the insurance each year and both build and retain NCB. Wish I'd done that as I lost full NCB when I sold my car, even though I was named on the wifes policy.
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Re: Car Insurance
« Reply #331 on: March 27, 2019, 08:22:45 am »
Cheers Rob. It's someone I will be adding as a named driver on my policy as their car is fucked. She doesn't want to be paying her own insurance for a car she wont be driving anymore and will be a few months before shes in a position to buy another one.
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Re: Car Insurance
« Reply #332 on: April 15, 2019, 10:48:37 pm »
Anybody bother getting the breakdown/roadside recovery with the insurance company or do it separately through AA?

I get AA cover though my membership of the Toyota owners club for £56 all in.
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Re: Car Insurance
« Reply #333 on: June 2, 2021, 10:48:32 am »
Was doing a spot of gardening yesterday out the back when the doorbell went. Went to answer it thinking it was a skip I had booked to remove some rubbish. Anyway, went to the door and it was a neighbour from across the road telling me to check my car. Car was parked on the road outside, with the back window and rear lights completely smashed, huge dent on the rear left too. Anyway, she’d been in her front garden and a van had pulled up, she saw two blokes get out and rifle through the rubbish that was stacked up at the front of ours. Anyway, they’d jumped back in their van, and somehow reversed into the back of my car causing the damage and driven off. She’d managed to get their number plate but in her words they looked like they were up to no good. Anyway, my insurance company have been brilliant however what happens if they deny liability? Also, not sure I want to get into a row with them over a car. Some neighbours saying involve the police but again, not sure that’s a road I want to go down. The positive is that the van is fully insured and taxed which initially I worried about.
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Re: Car Insurance
« Reply #334 on: June 2, 2021, 10:51:24 am »
Ring the police and get them involved. Don’t let the fuckers get away with it.

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Re: Car Insurance
« Reply #335 on: June 2, 2021, 11:04:55 am »
Ring the police and get them involved. Don’t let the fuckers get away with it.
Ordinarily yes but as it was outside my house, a little bit wary.
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Re: Car Insurance
« Reply #336 on: June 2, 2021, 12:23:09 pm »
You've probably already pissed them off getting the insurance company involved so you'll probably want the police for a bit of protection mate

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Re: Car Insurance
« Reply #337 on: June 2, 2021, 01:18:01 pm »
True. Although, from their perspective, potentially 15 quid a month more on the direct debit is probably preferable to police involvement.
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Offline adruk87

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Re: Car Insurance
« Reply #338 on: August 21, 2023, 06:33:47 pm »
Got my renewel quote through yesterday. £628 up from £365 last year, thought it was them being their usual shit selves not wanting to retain the custom. Turns out this is one of the cheapest quotes out there, I know things have gone up, but a 70% increase is bonkers, especially for no change in circumstances, plus a 17 year NCB.

Anyone else copped for a horrendous uplift recently?
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Offline gazzam1963

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Re: Car Insurance
« Reply #339 on: August 21, 2023, 07:20:58 pm »
Got my renewel quote through yesterday. £628 up from £365 last year, thought it was them being their usual shit selves not wanting to retain the custom. Turns out this is one of the cheapest quotes out there, I know things have gone up, but a 70% increase is bonkers, especially for no change in circumstances, plus a 17 year NCB.

Anyone else copped for a horrendous uplift recently?

Yes with LV £409 to £577 both aged 60 ( near enough ) full NCD I’ve one speeding convction . I read the other day it’s down to a lack of parts holding up repairs so courtesy carts are out for a lot longer
Edit just had a look on gocompare and getting a cheaper one at £525
« Last Edit: August 21, 2023, 07:28:22 pm by gazzam1963 »

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Re: Car Insurance
« Reply #340 on: August 21, 2023, 08:55:15 pm »
Got my renewel quote through yesterday. £628 up from £365 last year, thought it was them being their usual shit selves not wanting to retain the custom. Turns out this is one of the cheapest quotes out there, I know things have gone up, but a 70% increase is bonkers, especially for no change in circumstances, plus a 17 year NCB.

Anyone else copped for a horrendous uplift recently?
My other half’s dad was moaning about his yesterday, I didn’t pay much attention as he’s a bit tight, but it’s gone up to over £1k, more than double what it was. He’s in his eighties.

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Re: Car Insurance
« Reply #341 on: August 21, 2023, 09:36:59 pm »
I was on fully comp with LV, went up by exactly £100 this year even with 13 years NCB and no claims for five years. With third party theft and fire policy I'd save £35 so just went for it.

Offline gazzam1963

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Re: Car Insurance
« Reply #342 on: August 21, 2023, 10:12:15 pm »
I was on fully comp with LV, went up by exactly £100 this year even with 13 years NCB and no claims for five years. With third party theft and fire policy I'd save £35 so just went for it.

You went for the third party ? Is it worth it if you have an accident and you’ve no claim on your own damage if it’s your fault

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Re: Car Insurance
« Reply #343 on: August 21, 2023, 10:27:43 pm »
You went for the third party ? Is it worth it if you have an accident and you’ve no claim on your own damage if it’s your fault


I don't think that's what he meant.
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Re: Car Insurance
« Reply #344 on: August 21, 2023, 10:30:05 pm »
...Anyone else copped for a horrendous uplift recently?

I renewed the other week. Mine went up from around £285 to £500. 😲

I binned them off and got a five star rated fully comp policy through Confused for £340 with free legal protection.

My Mum's insurance also rocketed on renewal a month or so ago. Shopping around reduced that markedly but it was still up a fair bit on last year.
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Offline gazzam1963

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Re: Car Insurance
« Reply #345 on: August 21, 2023, 10:46:35 pm »

I don't think that's what he meant.

Yeah was not overly sure

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Re: Car Insurance
« Reply #346 on: August 21, 2023, 11:41:28 pm »
Never ever stay with a car insurance company… they treat existing customers like dirt…
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Re: Car Insurance
« Reply #347 on: August 22, 2023, 03:31:12 am »
That's complete nonsense. Utter rubbish.  ::)

Mine with Churchill went from £520 a year in 2021, £290 in 2022 and £219 a few months back.
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Re: Car Insurance
« Reply #348 on: August 22, 2023, 07:39:41 am »
I've renewed with Admiral this week. They tried to increase it by £100 - I still couldn't get lower on a comparison website, but I called Admiral to complain and they reduced last years premium by about £50. So I'm happy in the end.
That's with 2 other named drivers.

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Re: Car Insurance
« Reply #349 on: August 22, 2023, 08:08:07 am »
I've renewed with Admiral this week. They tried to increase it by £100 - I still couldn't get lower on a comparison website, but I called Admiral to complain and they reduced last years premium by about £50. So I'm happy in the end.
That's with 2 other named drivers.

I was with Admiral for years doing exactly that - they tried to hike it, I'd go find the best alternative on Confused (which would sometimes be a little cheaper) then they'd beat that and the premium would either go down or stay roughly the same.

Then a few years back the girl I was speaking to for renewals said "We don't do that" and wouldn't budge. It was a weird conversation, she accused me of lying about the alternative quotes anyway as she could see I'd searched on Compare the Market and nothing was cheaper. I told her I never use the site (which is true, I can't stand the bloody meerkat voices on the ads) and Confused had honestly given me better quotes, so I got a brief "Well I suggest you follow one of those up then"  and that was the end of that!

I 've not stayed with any one insurer since, switching is hardly a hassle any more as you just get all the documents popped on a portal day 1. With Churchill currently, paying about £220. I've had it under £200 a couple of times but house moves and car changes have pushed it back up slightly. Don't think I ever paid more than £800 a year, some of the quotes youngsters get now for pretty bland first cars are insane.

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Offline adruk87

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Re: Car Insurance
« Reply #350 on: August 22, 2023, 07:21:54 pm »
It's mad currently. Two years ago I paid sub £200 on a Honda Civic, went up slightly when I changed car last year, which is understandable, newer bigger car. But this years quotes are obscene, I'm being quote £200 less than my first car 17 years ago.

Plus I have no accidents/convicitions and my wifes accident from 5 years ago has just dropped off.
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Re: Car Insurance
« Reply #351 on: August 28, 2023, 09:23:06 am »
Getting some quotes on comparison sites for my lad for when he passes his test. Trying to avoid the usual boy racer cars like Corsa or Golf.

Yet to get a quote under £3500 for a scrapper that's worth less than £1k. How do they expect young people to be able to afford that?
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Re: Car Insurance
« Reply #352 on: August 28, 2023, 11:58:51 am »
I'd hate to be a young driver trying to get insurance. Quotes are insane.

I didn't learn to drive until I was around 40. My first policy came in at £600 for a 1.1L car that was five years old. I hate to think what it might have been if I was twenty years younger when looking to purchase a policy.
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Re: Car Insurance
« Reply #353 on: August 28, 2023, 12:03:06 pm »
Getting some quotes on comparison sites for my lad for when he passes his test. Trying to avoid the usual boy racer cars like Corsa or Golf.

Yet to get a quote under £3500 for a scrapper that's worth less than £1k. How do they expect young people to be able to afford that?

Sadly they are paying for being in the worst group for being killed and seriously injured in accidents. The 17-24 age group costs £2.9 billion in payouts, compared to the total cost of £14.7 billion.

I know from buying and repairing a few Corsas with a mate, most ie 99% of the cars we bought, were front damaged from rear ending others.Some claims will work out at least £20k each - damage to the cars, and PI claims, you could be looking at 8 to 10 people banging in a claim for one accident. Its even worse with leccy cars, write off a basic Vauxhall Mokka E and thats a £44k car.
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Re: Car Insurance
« Reply #354 on: August 28, 2023, 12:04:25 pm »
I'd hate to be a young driver trying to get insurance. Quotes are insane.

I didn't learn to drive until I was around 40. My first policy came in at £600 for a 1.1L car that was five years old. I hate to think what it might have been if I was twenty years younger when looking to purchase a policy.

£199 I paid for a 2ltr Capri when I was 21 - I could and should have bought a 3ltr, as it wasn't much more to insure. No ambulance chasers in those days though....
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Re: Car Insurance
« Reply #355 on: August 28, 2023, 07:10:04 pm »
Getting some quotes on comparison sites for my lad for when he passes his test. Trying to avoid the usual boy racer cars like Corsa or Golf.

Yet to get a quote under £3500 for a scrapper that's worth less than £1k. How do they expect young people to be able to afford that?
Are the quotes with your lad as policyholder?

If so, don't bother, as £3000+ quotes is what you'll be getting.

You become policyholder, add his mum and lad on there as named drivers and that should be a lot cheaper. Let him build driving experience and when he gets to 21-22, he can begin his own policy.
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Re: Car Insurance
« Reply #356 on: August 29, 2023, 10:27:43 am »
Are the quotes with your lad as policyholder?

If so, don't bother, as £3000+ quotes is what you'll be getting.

You become policyholder, add his mum and lad on there as named drivers and that should be a lot cheaper. Let him build driving experience and when he gets to 21-22, he can begin his own policy.

Yeah I've been looking at quotes with me as the main driver too, still £1500+. Better money wise obviously, but still shite to build his no claims. I reckon at 21/22 he'll stilll be looking at £2k or more.
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Re: Car Insurance
« Reply #357 on: August 29, 2023, 10:49:21 am »
Yeah I've been looking at quotes with me as the main driver too, still £1500+. Better money wise obviously, but still shite to build his no claims. I reckon at 21/22 he'll stilll be looking at £2k or more.

Hiya mate. I have been looking at quotes for my daughter (18 in December) but have been limiting it to Group 1 cars (Ford KA, that sort of thing) and they are coming in around £1500 for her as the main policy holder and me as a named driver. I think the insurance grouping makes a big difference. I know that the VW UP, Polo and Ford KA are all very low groups.
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Re: Car Insurance
« Reply #358 on: August 29, 2023, 10:51:35 am »
£199 I paid for a 2ltr Capri when I was 21 - I could and should have bought a 3ltr, as it wasn't much more to insure. No ambulance chasers in those days though....

That's a bit of a myth nowadays though you know. The rules changed a few years ago and there is no money in it for lawyers on low value claims (basic whiplash type claims). The insurance industry said it would reduce the cost of policies - low and behold it never did.
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Re: Car Insurance
« Reply #359 on: August 29, 2023, 10:52:26 am »
Hiya mate. I have been looking at quotes for my daughter (18 in December) but have been limiting it to Group 1 cars (Ford KA, that sort of thing) and they are coming in around £1500 for her as the main policy holder and me as a named driver. I think the insurance grouping makes a big difference. I know that the VW UP, Polo and Ford KA are all very low groups.

I might change his sex to female on the next search to see what the difference is  :D
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