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#1
5th January 2020, 08:04 AM
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Insurance for D4 4.2....
Only had my D4 4.2tdi since mid November.
My insurance is due on 20 Jan. I do have multi car insurance with admiral and last year, for a D3 4.2tdi and a BMW 645, they were very competitive! Now, I'm struggling to insure this D4 for less than £500! I'm 50 yrs old FGS! I've shopped away from admiral and looked at comparison sites and £430, with a high excess, seems to be the best I can get. I have no convictions, points, etc. Has anyone else experienced this 'hike' in price from a D3 to D4? Why is there such a jump - both have the same engine and roughly the same construction?
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Current: Graphite grey 2016 q7 3.0 (4m) Night blue - 2005 D3 4.2 TDi LWB My pride and joy - 1991 ur 20v quattro (owned since 2003). BMW 645 (Need to sell now I have 2 A8s....) Previous cars A8 D4 4.2tdi lwb (2011) A4 cab 3.0 Quattro petrol (2005) T5 Caravelle exec 2.5 (2006) A8 D2 3.7 quattro sport (2001) A8 D3 4.2 quattro (2003) A6 4.2 quattro avant (1999) A6 2.8 quattro (1998) Audi Coupe 2.6E (1993) Carlton 3.0 GSI 
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#2
5th January 2020, 08:24 AM
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Massive hike on my S5 (2011) to over £450. I’m 46 and live in a good postcode
Got to renew both cars around the same time as you. Currently with LV multicar after moving from Admiral following a non-fault claim on the S5 (which didn’t alter premium much when renewed last year)
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===SOLD===2002 Audi S8 D2 Final Edition (yes, really) in Avus Silver with purple extended leather===SOLD=== 2011 S5 Sportback in Phantom Black with black Super Sports leather, 9x20s, tech pack high, adaptive xenon plus, intelligent key, memory seats pack, sunroof, B&O, Audi Drive Select & quattro Sports Diff, DAB, parking system plus 2015 VW Golf GTI Performance Pack in Carbon Grey with black Vienna leather, tech pack (Discovery Pro nav & Dynaudio), DCC, factory towbar and retrofit RVC Last edited by Adrian E; 5th January 2020 at 11:21 AM. Reason: spelling!
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#3
5th January 2020, 09:49 AM
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I think the issue is more to do with the rebuild costs of newer models, headlights at over a grand each, loads of electronics behind the bumper and grill, etc.
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2010 Jag XF 3.0D Portfolio S I know.. I know.. 
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#4
5th January 2020, 11:39 AM
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Yes, the rebuild costs on newer, highly technical cars is an insurance issue.
Plus I wouldn't be surprised if all the driving aids newer cars have on them make us worse, less alert drivers
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 2002 D2 S8 - Avus Silver, Valcona red leather, Dark Myrtle wood inserts, Heated rear seats, Heated windscreen, Auto dim rear view mirror, Bose, Xenon Plus, Servotronic, Extended leather, Heat & UV Reflective glass & Ski hatch. Gearbox went bang but she's sleeping safely away.
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#5
5th January 2020, 01:11 PM
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I suspect there's an age profile (for the car) issue that's kicking in, in terms of the value of the car as a commodity, and the cost of replacement parts, which makes a write-off more likely than a repair. Also as cars get cheaper, there 'may' be a tendency for them to be driven by people who take less care to avoid minor knocks
I suspect for our S5 they're dropping into sub-£10k territory as a reasonably rapid/affordable family wagon, plus with age on the vehicle the insurance industry will claim that the profile for claims for that vehicle are now better understood (based on claims history), so increases are justified. Will see how I manage to get on  as an aside, our 2015 Golf GTI is still sub-£250 and hasn't ramped up, which does suggest the car is the issue when it comes to the Audi.....
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===SOLD===2002 Audi S8 D2 Final Edition (yes, really) in Avus Silver with purple extended leather===SOLD=== 2011 S5 Sportback in Phantom Black with black Super Sports leather, 9x20s, tech pack high, adaptive xenon plus, intelligent key, memory seats pack, sunroof, B&O, Audi Drive Select & quattro Sports Diff, DAB, parking system plus 2015 VW Golf GTI Performance Pack in Carbon Grey with black Vienna leather, tech pack (Discovery Pro nav & Dynaudio), DCC, factory towbar and retrofit RVC
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#6
5th January 2020, 02:25 PM
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Interesting as my S8 just gets cheaper and cheaper to insure, maybe entering "cherished" territory?
The Volvo on the other hand they keep trying to charge more for, yet it has way more driver/safety aids. 
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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! 
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