Acerforestry Posted February 19 Author Report Share Posted February 19 They may have literally just changed policy criteria, but that in turn probably did me a favour. Have now been quoted by NFU, full comp, breakdown cover and 15k miles aloowed per annum for approx 460. Superstars, i'll be sticking with them from now on. Too many of these companies are probably using the same underwriters but whacking crazy amounts on top, totally unethical really Quote Link to comment Share on other sites More sharing options...
JohnfromUK Posted February 19 Report Share Posted February 19 24 minutes ago, Acerforestry said: They may have literally just changed policy criteria, but that in turn probably did me a favour. Have now been quoted by NFU, full comp, breakdown cover and 15k miles aloowed per annum for approx 460. Superstars, i'll be sticking with them from now on. Too many of these companies are probably using the same underwriters but whacking crazy amounts on top, totally unethical really I have used the NFU for many years. Not always the cheapest, but on the (two in 30 years) occasions I have claimed - all went well. Quote Link to comment Share on other sites More sharing options...
London Best Posted February 20 Report Share Posted February 20 12 hours ago, JohnfromUK said: I have used the NFU for many years. Not always the cheapest, but on the (two in 30 years) occasions I have claimed - all went well. I used the NFU for over 25 years, but when I unfortunately had to make a large claim my next premium was doubled due to loss of no claims bonus. Fair enough, I could accept that (ouch) but the following year I expected a reduction. That didn’t happen and instead they quoted another substantial increase. I was forced to look elsewhere and insured for less than half NFU prices. I still think NFU is the best company to be insured with and will go back one day when NC bonus has built up again. Quote Link to comment Share on other sites More sharing options...
8 shot Posted February 20 Report Share Posted February 20 18 hours ago, JohnfromUK said: companies are probably using the same underwriters but I went on comparison website for a quote on a disco and 6 of the top 15 quotes used the same underwriter quotes ranged from around a grand to 3 grand 🤬 Quote Link to comment Share on other sites More sharing options...
JohnfromUK Posted February 20 Report Share Posted February 20 10 minutes ago, 8 shot said: I went on comparison website for a quote on a disco and 6 of the top 15 quotes used the same underwriter quotes ranged from around a grand to 3 grand 🤬 I imagine there would be differences in the 'commission' paid to the named company, and probably to the various 'small print' details like the excesses, allowed drivers ages and multitude of other things that may or may not be included (car hire, onward travel, overseas cover, breakdown cover, windscreen cover etc.). It's hard to compare because no two policies are alike (despite being with the same underwriters). I may be wrong but I believe the NFU have their own 'underwriters' in house. Some insurers specialise in certain risk types such as younger drivers, high performance cars, over 50's, certain professions, etc. It's certainly plenty of choice, but that just makes the choosing harder! Quote Link to comment Share on other sites More sharing options...
8 shot Posted February 20 Report Share Posted February 20 10 minutes ago, JohnfromUK said: I imagine there would be differences in the 'commission' paid to the named company, and probably to the various 'small print' details like the excesses, allowed drivers ages and multitude of other things that may or may not be included (car hire, onward travel, overseas cover, breakdown cover, windscreen cover etc.). It's hard to compare because no two policies are alike (despite being with the same underwriters). I may be wrong but I believe the NFU have their own 'underwriters' in house. Some insurers specialise in certain risk types such as younger drivers, high performance cars, over 50's, certain professions, etc. It's certainly plenty of choice, but that just makes the choosing harder! Your absolutely correct the main universal bits are the same but looking at the bare bones there are some big differences which can by omitted or added to suit your circumstances. Slightly bizarre was the Post Office gave some good quotes on Land Rover Quote Link to comment Share on other sites More sharing options...
team tractor Posted March 8 Report Share Posted March 8 Had my renewal. £190 to £258 inc a none fault claim 😁 Quote Link to comment Share on other sites More sharing options...
defender Posted March 9 Report Share Posted March 9 (edited) My hastings policy on my 2014 jazz has gone from £300 ish to £500 ish for no reason other than they wanted to make more money. I'm dreading my other 2 cars although they are specialist cover (old landy and MGF). Edited March 9 by defender Quote Link to comment Share on other sites More sharing options...
moondoggy Posted March 10 Report Share Posted March 10 The financial expert on GB News said the rises in car insurances are due to the shipping hijacking that’s going on, so we are subsidising the shipping company’s claims. My car insurance went up by about £100. Did a check on Go Compare and all results were higher than my renewal. I have never known that happen before. The past searches have always produced something cheaper, even if it was only a few pounds. Quote Link to comment Share on other sites More sharing options...
TIGHTCHOKE Posted March 10 Report Share Posted March 10 It's almost like they are operating a cartel and fixing the prices.......................... Quote Link to comment Share on other sites More sharing options...
Bigbob Posted March 10 Report Share Posted March 10 Its worth checking your details like the mileage is correct i dropped mine to 7000 a year on the rover and saved a bit Quote Link to comment Share on other sites More sharing options...
mossy835 Posted March 10 Report Share Posted March 10 i got done for speeding and 3 points and mine went down, Quote Link to comment Share on other sites More sharing options...
Gordon R Posted March 10 Report Share Posted March 10 Grandson passed his test last week - bought a motor - picking up next Saturday. 1.3 diesel - insurance cost £3874. Nearly as much as buying the car. Quote Link to comment Share on other sites More sharing options...
scobydog Posted March 10 Report Share Posted March 10 My Daughters went down by a 1/3rd due to having a black box fitted for her 1st year and having a great driving record with it. S Quote Link to comment Share on other sites More sharing options...
mossy835 Posted March 10 Report Share Posted March 10 when my Daughter passed her test she only had to pay,£500 Quote Link to comment Share on other sites More sharing options...
Gordon R Posted March 11 Report Share Posted March 11 Double checked his insurance later - had gone up by £150. We had used Compare the Market and Confused.com. Checked Money Supermarket and Go Compare - brought it down - 3 quotes £3050, £3104 and £3301. I had a look at a low mileage Ford Ka - later edition - insurance £2200, but too small for him. he is 6' 4" and still growing, so he bought the Corsa. Quote Link to comment Share on other sites More sharing options...
Bigbob Posted March 11 Report Share Posted March 11 1 hour ago, Gordon R said: Double checked his insurance later - had gone up by £150. We had used Compare the Market and Confused.com. Checked Money Supermarket and Go Compare - brought it down - 3 quotes £3050, £3104 and £3301. I had a look at a low mileage Ford Ka - later edition - insurance £2200, but too small for him. he is 6' 4" and still growing, so he bought the Corsa. Same as my son 6'4" bought a brand new Suzuki had it a year bought the Ford Ranger and his insurance went down Quote Link to comment Share on other sites More sharing options...
Sweet11-87 Posted March 11 Report Share Posted March 11 everything available online its not a secret its open knowledge cost of car insurance on average has gone up about 60% inflation on parts, more cars on the road since lockdown, more complex cars are common place e.g EVs, hybrids and all cars have thousands of sensors and as others have said write off with little bumps and knocks. plus entry level has gone up as above the days of getting a banger for your first car, new drivers are more and more going for new PCP. infact the trend of having cars on HP or PCP is on the rise across the board and all the insurers do is past the cost onto us in the next prediction. long story short accidents are more expensive these days. Quote Link to comment Share on other sites More sharing options...
JohnfromUK Posted March 11 Report Share Posted March 11 2 minutes ago, Sweet11-87 said: inflation on parts, more cars on the road since lockdown, more complex cars are common place e.g EVs, hybrids and all cars have thousands of sensors and as others have said write off with little bumps and knocks. /\. This. I was speaking to someone the other day who had had a 'minor' light failure on his car; not accident damage, but just a tail light not working (intermittently flickering). The whole assembly had to be replaced because the fault was with the 'canbus' parts. £600 and weeks wait for the part. Fortunately he was still under warranty, but the days of replacing a tail light lens/cover assembly damaged in a parking mishap for a few £ are gone now with these complex 'canbus' lighting systems apparently. Quote Link to comment Share on other sites More sharing options...
London Best Posted March 11 Report Share Posted March 11 2 hours ago, JohnfromUK said: /\. This. I was speaking to someone the other day who had had a 'minor' light failure on his car; not accident damage, but just a tail light not working (intermittently flickering). The whole assembly had to be replaced because the fault was with the 'canbus' parts. £600 and weeks wait for the part. Fortunately he was still under warranty, but the days of replacing a tail light lens/cover assembly damaged in a parking mishap for a few £ are gone now with these complex 'canbus' lighting systems apparently. I’ve just had a ‘minor’ light failure on my 2009 Defender. Fixed it with a bit of wire and a self-tapping screw. Quote Link to comment Share on other sites More sharing options...
JohnfromUK Posted March 11 Report Share Posted March 11 1 minute ago, London Best said: I’ve just had a ‘minor’ light failure on my 2009 Defender. Fixed it with a bit of wire and a self-tapping screw. Yes, regular thing on my 1993 Defender. Lucas tail light fittings, especially the stop/tail light one side and the reverse light. Usually just a clean up of the contacts. Where Lucas used to get such bad metal from is a mystery ......... This was a friends Discovery 5 - where the whole large light assembly - which is around the size of a biscuit tin - I assume his price is dealer inc fitting as the part ('genuine' part from an indie on the internet) is £293.47 plus VAT plus freight. It has a circuit board and various sundry 'canbus' electronics which may (or may not) do something more valid that push the price up - though I can't imagine what that would be. But it is the cost of items like that - easily damaged in car parks - that push up the insurance - because IF you are paying that sort of price for simple parts, suddenly an insurance claim becomes a possibility rather than just fixing it yourself. Quote Link to comment Share on other sites More sharing options...
London Best Posted March 11 Report Share Posted March 11 Joseph Lucas..........................Prince of Darkness. Please, what is a ‘canbus’ part? Not familiar with the word. Personally, my Land Rovers get genuine parts wherever possible. Never, that’s never, consider fitting anything from ‘Britpart’. Quote Link to comment Share on other sites More sharing options...
JohnfromUK Posted March 11 Report Share Posted March 11 2 minutes ago, London Best said: Please, what is a ‘canbus’ part? To those who know more than me (which will be many) please feel free to correct! CANbus (https://en.wikipedia.org/wiki/CAN_bus) is a system which 'connects' all of the "separate electrical sub-assemblies" of an electrical/electronic nature into a 'Controller Area Network'. It enables all "separate electrical sub-assemblies" to be CANbus connected and so controlled and monitored centrally. Such things as reporting bulb failures in the case of light units. Unfortunately (in my very limited personal experience of my recently departed BMW), most fault reports are incorrect (I had many tens of 'bulb failure reports' but only one actual failed bulb). Even more unfortunately, error reports and even false error reports are an MoT FAIL. To be fair - the BMW worked well for it's first 14 years or so before the system began to get senile. Faults can be read on a 'fault code reader' on an OBD port which allows all of the fault data collected by the CANbus to be collected by the garage to allow the bill to be suitably inflated. My personal experience is that when it works, it works very well, but when it starts playing up it is way beyond what garage mechanics/technicians can cope with and can prove hugely expensive to sort out. Quote Link to comment Share on other sites More sharing options...
London Best Posted March 11 Report Share Posted March 11 Thanks John. Well above my pay grade! Quote Link to comment Share on other sites More sharing options...
Nublue 22 Posted March 11 Report Share Posted March 11 Well this is interesting, my motorcycle insurance is due April and the renewal arrives (email) so before opening I had a little guess as how much it would be. £89.49 last year, this year £74.57. The question whys motorcycle insurance gone down? Quote Link to comment Share on other sites More sharing options...
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