Right, now i'm confused...

[kiscix]

Just to make a quick change to the usual 'im 17 and it costs £2000 to insure my car' threads

I'm 25 and have a full no claims bonus (never once had a claim) as well as clean license and pass plus.

I was previously driving a big Alfa 156 and lived in Cambridge, where I was paying circa £700 for insurance. Fast forward a year or so, change of circumstances means I now have (a) an additional years no claims, (b) live in Southampton and (c) own a 1.2 base model Fiat Punto 5 door. Nothing sporty, nothing exotic.

Best insurance quotes I've found?

Yep, about £700.

Seriously, what gives? Seems like daylight robbery to me... Any tips for getting this down?

 

[dombooth]

Just to make a quick change to the usual 'im 17 and it costs £2000 to insure my car' threads

I'm 25 and have a full no claims bonus (never once had a claim) as well as clean license and pass plus.

I was previously driving a big Alfa 156 and lived in Cambridge, where I was paying circa £700 for insurance. Fast forward a year or so, change of circumstances means I now have (a) an additional years no claims, (b) live in Southampton and (c) own a 1.2 base model Fiat Punto 5 door. Nothing sporty, nothing exotic.

Best insurance quotes I've found?

Yep, about £700.

Seriously, what gives? Seems like daylight robbery to me... Any tips for getting this down?

Phone every company theres is! Also try the forum insurance traders offers!

Dom

 

[Caravadossi]

... Seriously, what gives? ...

Simply your gains have been wiped-out by increased costs – such that they cancel each other out.

It’s argued (I believe) that the average cost of car ins. has increased by some 33% (& more within the 18-25yo envelope) over the past 12m.

To calculate a reasonably accurate personal view – you’d need to compare like-with-like. What would the re-newal cost be for the Alfa 156 in Cambridge today? … or the ins. cost for the 1.2 Punto a year ago in So`ton?

.

 

[Most Easterly Pandas]

Have you compaired you post code areas. You might have gone from a low risk area to a high risk one.

 

[Caravadossi]

Update 2011/01/26 12:16
My insurance falls due late Feb 2011 - & although I’ve yet to receive my re-newal notice, my Ins Co have advised over the `phone this morning that their rates have climbed by 30(±15)% from Feb 2010. Then presumably if one is within the 17-25yo envelope with other `negative waves’ remaining equal, then your looking at a +45% increase.

.

 

[Freebo]

Hmm insurance for my 1.2 punto is about £700 (Fully Comp), im 19 with 2 years ncb. Could you not just be in a big high risk area?

 

[Vance]

Like others have said, most likely thing to have happened is your premium is up due to the postcode change.

Cambridge = A or B
Southampton = A,B or C

You possibly have went from an A to a C postcode.

 

[Most Easterly Pandas]

Like others have said, most likely thing to have happened is your premium is up due to the postcode change.

Cambridge = A or B
Southampton = A,B or C

You possibly have went from an A to a C postcode.

It's based on postcode not county.

 

[kiscix]

Well taking on some of your comments I've started doing some digging.

Postcode risk has indeed gone from A to C apparently.

Car insurance group (new style ones as per Parkers) has gone from 31 to 12.

I've run quotes on direct line (cheapest I've found) for March 1st - at which point I'll have 8 years no claims, for equivalencies sake:

Car #1 (Old car): 2004 Alfa Romeo 2.5 V6 Veloce
Cambridge quote: £621.06
Southampton quote: £1,228.90

Car #2 (current): 2000 Fiat Punto ELX 5dr
Cambridge quote: £438.52
Southampton quote: £704.64

Funnily enough, quoting for my OH who has 0 no claims instead of me barely makes any difference to the quotes - so basically it would seem gender/how 'clean' a driver you are have virtually no impact on quotes, whereas area does.

Pretty disgusted tbh but I guess thats life. Will just add it to the increasingly long list of reasons as to why this country sucks.

 

[Eklipze3k]

Doubled my insurance moving from Elgin to Huddersfield, so I feel your pain.

 

[Vance]

It's based on postcode not county.

I know that's why I put what risk the current and former address of the OP could have been.

 

[Stu DemonD]

I know that's why I put what risk the current and former address of the OP could have been.

Yeah, John probably read it too fast :devil:

 

[Most Easterly Pandas]

Yeah, John probably read it too fast :devil:

:doh: didn't read last sentence in post.

 

[Vance]

:doh: didn't read last sentence in post.

Haha has it been a long day?

Incidentally I was doing quotes as my renewal is soon, I did some for my car and also for the new furby vrs and seat ibiza cupra, it is only £66 pounds more to insure for both of the yet they sit in a much higher group?