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I just got my renewal through which is twice what I paid last year so I'm not too pleased. I went on the online comparison sites and found the situation was the same for all insurers. My policy has changed since last year with a fire claim for the Dolomite so as a matter of interest I got a quote with that removed from the equation. To my surprise it had actually reduced my premium so I started to mess with other details.
The thing that most shocked me was that I pay more with a NCB than without until 4 years is reached when it drops, only to go up again at 5 years NCB! The cost of insurance also rose as I reduced my mileage to anything under 5k/year and rose again as it increased. Having a licence for 3 years costs more than 1 or 2 and it's not until 5 years that it gets less, by £2.
I've heard good things about Sky insurance but most specialists won't touch me until I'm 25. Any ideas?
James
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Last Edit: Apr 9, 2014 17:10:29 GMT by metroman
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Can't really help with insurance but just a warning, if you alter your address or other things to see how much difference it makes, if you do take a policy out, ring the insurer afterwards and actually check your insured.
May sound stupid but when insuring the girlfriends 307cc I tried 3 different addresses just out of curiosity, then filled out correct details and got insured with goskippy, payment was took in full but a month later still received no documents by email or post so rang them to get them sent out, only to be told you're not insured as it's suspicious that you tried different addresses.
Needless to say I now avoid goskippy even though they are usually the cheapest for our moderns,
Hope that helps you in some way
,
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Insurance has risen for most people within the last year. For example I'm retired, 56, clean licence, full no claims, no accidents or claims yet I'm paying a noticeable amount more than last year.
A number of things make up the risk - age of driver, how many years driving experience, address, amount of no claims, employment type, age and type of vehicle, any convictions, previous claims within last 3-5 years, are some off the top of my head.
Have you contacted your own insurers (NOT BROKER) and asked why such a hike in premium ? You never know they might offer a discount to keep you as a customer rather than you defecting to another company.
One thing isn't clear. Did you have an insurance claim for fire with the Dolomite ?
Paul H
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Cheers, I did call my insurer and they were less than interested in explaining the hike, even less so in keeping me on. I did claim for the Dolomite but as I say, it is cheaper for me to insure with it declared than not. I will be very wary of insuring from an online quote, thanks for the warning.
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There is your answer - you have a claim against you. Also I assume you hadn't protected no claims so will now have dropped down to NIL.
A mate, in his 70's, got hit by another car (who didn't stop) as he was pulling out of the dealer where he's just bought a car ! Insurer wrote off the car and paid him out £2250. He hadn't protected no claims and this year the premium is £1500 - on a Kia Soul diesel. He now says it would have been cheaper to not have claimed in the first place as the increase in premiums he'll pay over the next few years will far exceed the £2250 payout. I can see the same situation will, unfortunately, apply to yourself for the next 3-5 years until you can say that you haven't had a claim within that period and have rebuilt no claims.
Paul h
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The no claims was protected so that's not the issue, I did expect it to increase with the claim but when I ran the comparison it's actually lower with the claim. That's what I'm so surprised by. Bizarrely it was also cheaper to put down that I didn't have any NCB than putting down the 2 years I do have. I'll call them tomorrow.
James
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I think you need to contact insurers, as you say you are going to do, and ask them for a full breakdown of the premium quote. A claim will bump up the risk but if protected no claims then I wouldn't have expected it to have doubled the costs.
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reliantreviver
Part of things
"It will be getting fixed up come summer..." (year undefined)
Posts: 412
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When fiddling with online quotes, have your details / name / addess etc. slightly out, and amend them if you want to take the quote. Seem sthat some insurers have an internal quote limit - I broke admiral, elephant and diamond via confused.com after 100!
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Current:
Reliant "750" Super Robin, Scimitar SS1s - 2 x 1300, 1 x 1600, 1 x 1800ti. 76 years off the road between them!
Also - Mitsubishi Galant Sport and Hyundai Coupe Gen3
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Insurance (rant)Deleted
@Deleted
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Apr 10, 2014 22:27:35 GMT
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The no claims was protected so that's not the issue, I did expect it to increase with the claim but when I ran the comparison it's actually lower with the claim. That's what I'm so surprised by. Bizarrely it was also cheaper to put down that I didn't have any NCB than putting down the 2 years I do have. I'll call them tomorrow. James The 'protected no claims' scam only applies with that insurer, it doesn't mean that you can go to a different insurer and declare that you have a claim free history, the question asked is 'have you made a claim?' (or similar) which you have to answer 'yes'. Also it is completely pointless and a waste of time trying comparison sites with differing details, all insurers are linked via the MIB and if you give incorrect details can be classed as fraud and they when you eventually take out a policy they may question why you gave different details and void your policy which then can make things worse when you have to declare that you were refused cover. Use the phone and be honest. |
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Apr 10, 2014 22:47:06 GMT
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The no claims was protected so that's not the issue, I did expect it to increase with the claim but when I ran the comparison it's actually lower with the claim. That's what I'm so surprised by. Bizarrely it was also cheaper to put down that I didn't have any NCB than putting down the 2 years I do have. I'll call them tomorrow. James The 'protected no claims' scam only applies with that insurer, it doesn't mean that you can go to a different insurer and declare that you have a claim free history, the question asked is 'have you made a claim?' (or similar) which you have to answer 'yes'. Also it is completely pointless and a waste of time trying comparison sites with differing details, all insurers are linked via the MIB and if you give incorrect details can be classed as fraud and they when you eventually take out a policy they may question why you gave different details and void your policy which then can make things worse when you have to declare that you were refused cover. Use the phone and be honest. I'd forgot about the protected no claims only applying to the same insurer - should have remembered as got stung by it many years ago. Somebody reversed out of a supermarket parking space whilst my wife was passing. No damage to our car (MKII Golf 1.8GL auto) as they hit the tyre but scuffed the wheel arch on a brand new Honda. The other person admitted they were blinded by sun and apologised. Few weeks later insurer asked for confirmation of the "accident" so they were given full story and told under no circumstances to allow a claim against ourselves as the other party were 100% at fault. In the end our insurer (Tesco) said it was cheaper for them to pay out than argue and anyway we had protected no claims so wouldn't make any difference to our premium. Reluctantly I agreed and decided to change companies at renewal. Then I found out that 3 years no claims had been removed from our entitlement that was available for transfer to another company. However if we stayed with Tesco then they would credit us with a notional no claims under the protected scheme. I had to stay with Tesco for 3 years until full no claims accrued again before I could change companies. Paul H |
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