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  #1  
Old 23rd July 2020, 11:35 AM
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tc4332 tc4332 is offline
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Default Car Insurance

Car insurance is increasing in price.
Last year cost me £643
Researching the market is quoting £1284.53
I'll have to wait and see what my current offers renewal at.



What is happening.
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  #2  
Old 23rd July 2020, 04:57 PM
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steamship steamship is offline
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Quote:
Originally Posted by tc4332 View Post
Car insurance is increasing in price.
Last year cost me £643
Researching the market is quoting £1284.53
That's ridiculous! I got my renewal in for next month and it's actually lower than last year by an itty-bitty amount.

Out of curiosity, I went onto a couple of comparison sites and the best deals they're giving are over £200 more than my renewal, and that is with a £100 voluntary excess AND a compulsory excess of £300-£350. More than half a dozen had compulsory excesses between £600-£700!!
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2001 A8 D2 FL 3.7 Q - LPG Conversion, Engine: AKC, Gearbox:FBB, Colour:LY5X Aqua Blue pearl effect, Interior:WJ light beige/dark beige valcona leather with burr walnut inserts

My DIY jobs - Replaced alarm horn, Replaced Coolant Temp sensor, Updated RNS-D firmware, Installed Reversing Camera and Digital TV, Dashcam Installation, Retrofitted Rear Blinds, Auto-Dimming Rear View Mirror, Chrome Boot Struts

Sold! 2008 S8 D3 5.2 V10 - Engine: BSM, Gearbox:KLW, Colour:LY7F Suzuka Grey Pearl Effect, Interior:Black/Black with Silver/Black valcona leather with carbon atlas inserts, Bang & Olufsen, Heated windscreen, Soft-close doors, TV, DAB, AMI, Quad Zone, Auto Boot, Auto dim Mirrors, Keyless entry, PDC with rearview camera, AFS II Headlights

My DIY jobs - Fan Jet Windscreen Washers, Retrofitted Electric Side Blinds
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  #3  
Old 23rd July 2020, 05:00 PM
tintin tintin is offline
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Default

Quote:
Originally Posted by tc4332 View Post
Car insurance is increasing in price.
Last year cost me £643
Researching the market is quoting £1284.53
I'll have to wait and see what my current offers renewal at.

What is happening.
Keep shopping around Ray, I don't think there's anything happening to drive premiums up - in fact, I got told by Admiral I'd get a Covid refund because of their lower claims incidence .

Unless you've had one of those fancy black boxes fitted, but are still driving at your "preferred" speeds .....
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(1) 2015 Tesla Model S: (was 85D, now 90D ). Silent and deadly, and very fast... But not as fast as Ian's M3P-
(2) 2002 D2 S8 Final Edition: Bulletproof and faultless: Brilliant Black with Extended (Red!) Leather. Three-times winner of Best D2 1st prize
(3) 1997 Fiat Coupe 20v Turbo: Scots (! ) Green. Fragile, but beautiful.
(4) 2010 Fiat Panda 100HP. White Pandamonium (Final Edition!!). Pure old-fashioned 6-speed go-karting.
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Old 23rd July 2020, 07:24 PM
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Norretal Norretal is offline
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Just had my renewal through the post today, a £100 more than last year

Time to look around...
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  #5  
Old 23rd July 2020, 08:37 PM
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pete-p pete-p is offline
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That is shocking Ray, has anything changed in the last year?

Mine went up by £12 to £260 and I couldn't find it cheaper than my renewal at Admiral so stayed with them. They also matched a home insurance quote too which was nice.
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'93 Audi Coupe 2.0 Alpine White (sold)
'99 Audi S4 Merlin Purple - K04 upgrade to 412hp (sold)
'00 Audi S8 Agate Grey (Sold )
'11 Audi Q7 4.2tdi Unknown Red (Classic Red Pearl Effect - thanks MJ)

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Old 24th July 2020, 09:56 PM
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Conan_the_Librarian Conan_the_Librarian is offline
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Interestingly I was with LV on a multi car. When the renewal came up I did a comparison on each car separately. Saved £340 over LVs quote. When I spoke to them they were unwilling to drop it anywhere near the three separate quotes!
Now I'm with Sheila's Wheels and Tesco.
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Watch it if you dare

Currently,
2000 S8, Merlin Purple, Leather Pack 1, Winter Pack 1, SPAX adjustable suspension, AP Racing 6 pot front caliper, 385mm fully floating disks, EBC Yellow Stuff Pads, Black Diamond grooved rear disks and predetor pads, D2 Doctors Brake Block.
1997 4.2 A8SQ - the Projekt. 12 years and ongoing!
1997 4.2 A8SQ - Ming Blue. Restoration sat waiting; saved from the Scrapyard
2003 C5 Allroad 4.2Q - Cobolt Blue. Towing car. Laid up awaiting manual conversion.
2005 C5 Allroad 2.5TDi FE - Grey - Workhorse.
2015 Q3QS SLine - Daytona Grey. Lots of extras! Long Haired Admirals cutter.

Previously
2003 C5 A6 1.9TDI FWD - Loaner from D2 Doctor Lifex
1997 S8 - Ming Blue. Loaned out and written off. I loved that car. My first engine swap after cambelt failure.
1996 4.2 A8SQ - Ming Blue. 178k on a cambelt! Trader's 8. Delivered to A8Parts at Lifex.
2003 2.8 A8SQ - powder blueish. Fill in for a while. Sold on.
1998 1.8T A4 Avant FWD. Ming Blue (there's a theme here), PEX for the 97 S8.
And a list of non VAG going back 40 years before I saw the light.
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Old 24th July 2020, 10:20 PM
HPsauce HPsauce is offline
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I'm still with Privilege for the S8, they wrote to me recently asking if I wanted to apply for a premium reduction due to reduced mileage during lockdown. Didn't actually bother as the premium is so low already and went down at the last renewal that I though any saving would be trivial.

The Volvo, as I think I've noted elsewhere I switched to AvivaPlus quite recently from Privilege due to an inexplicable premium increase; it's pay monthly but only about £19 a month now!
That turned out to be a good choice as it needed a new windscreen recently. Heated with cameras etc. behind that all needed realigning, so a 4-hour workshop job. There's no glass replacement excess whatsoever on that policy whereas most seem to be £75 or more!
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2003 D2 FL S8. Irish Green Pearl/Beige. Solar sunroof, auto-dim mirrors, electric rear seat functions, ski hatch retrofit; extended leather. Aftermarket DVB-T, reversing camera and full XCarlink (Bluetooth etc.).
2016 Volvo V40 T5 Cross Country (4WD) with ALL the toys including adaptive cruise etc. etc. Osmium Grey with Blonde/Charcoal leather interior. Polestar performance "optimisation". (A much rarer model than a D2 S8 by the way!) Oh, and a brand new engine at just under 30,000 miles on the factory one!
Finally: gone, but not forgotten.....
1998 D2 PF S8. AgateGrey/Platinum. Every option (I think) except electric rear seats, tiptronic steering wheel, ski hatch, towbar & dimming door mirrors.
e.g. Cruise control, NavPlus/TV, Bose, GSM, Xenons, Solar roof, Parking sensors, Alcantara/leather everywhere of course. (internal dimming mirror added later)
1998 (very early) Ford Focus 1.8 Zetec; ABS/TCS, Heated screen/mirrors, Aircon, Auto-dim mirror, Leather, Trip computer, Cruise control, OEM Ford SatNav with CD changer.
And before that a lot of Rover 800s, a few oddities, a lovely Triumph Dolomite 1850HL with Overdrive and way back in my schooldays an Austin Seven aka Mini 850!

Last edited by HPsauce; 25th July 2020 at 09:33 AM.
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  #8  
Old 24th July 2020, 10:32 PM
tintin tintin is offline
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Quote:
Originally Posted by Conan_the_Librarian View Post
Interestingly I was with LV on a multi car. When the renewal came up I did a comparison on each car separately. Saved £340 over LVs quote. When I spoke to them they were unwilling to drop it anywhere near the three separate quotes!
Now I'm with Sheila's Wheels and Tesco.
That's why the whole industry is a scam and ripoff: it relies on and feeds off lazy consumers who can't be arsed to shop around, to get away with premium hikes on any retained customers. PITA.
__________________

Autos Autos everywhere...
(1) 2015 Tesla Model S: (was 85D, now 90D ). Silent and deadly, and very fast... But not as fast as Ian's M3P-
(2) 2002 D2 S8 Final Edition: Bulletproof and faultless: Brilliant Black with Extended (Red!) Leather. Three-times winner of Best D2 1st prize
(3) 1997 Fiat Coupe 20v Turbo: Scots (! ) Green. Fragile, but beautiful.
(4) 2010 Fiat Panda 100HP. White Pandamonium (Final Edition!!). Pure old-fashioned 6-speed go-karting.
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  #9  
Old 25th July 2020, 07:03 AM
ainarssems ainarssems is offline
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Yep, when I check it's always cheaper to get separate policies for separate cars for me too instead of one of those multicar policies.

The same with energy, always cheaper to get gas and electricity from different companies compared to getting both from one even if they offer £30 per year per fuel discount if getting both from the same place.
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8 history:
2006 A8 Sport 4.2TDI quattro SOLD,
1997 S8, reached end of life with gearbox failure
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  #10  
Old 25th July 2020, 08:18 AM
spannerrash spannerrash is offline
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In February this year I changed from a "multi car" policy to two separate insurers. It was much cheaper. Multi car seems to me to be a bit of a scam. As mentioned earlier, it seems to feed off customers who just want a simple life or who have better things to do than shop around. It's a shame but as with many of these things, if they can get more money out of you, they will. The customers that stay and pay the inflated premiums must outweigh those that leave otherwise they wouldn't do it.
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