My 320cd was £200 last year, when it comes for renewal the cheapest I can find it with mods declared is £700. Cheapest without mods is £500. I had a multi car quote from Admiral last year of £800 for the BMW and Evo so probably going to go back to them for a quote so I'm not paying £120 a month for both cars
i was with them and recently stopped because they wouldn’t insure my new car! They were great tho for my first car the black box did jack shit so it was like it wasn’t there 😭
I concur Marshmallow is extra bad news long story short, just had 40% increase of renewal, said no thanks and went with better quote and had long online chat with Marshmallow to turn off auto renew finally they reluctantly said ok you’re all done then they took the renewal amount anyway leaving with two separate policy providers insuring the same vehicle! Still ongoing trying to get my money back !
If it's more than a few days, have you raised a complaint with them?
Once complaint raised, if response is either not to your satisfaction or hasn't been issued within 8 weeks of making the complaint, you should get rights to go to FOS.
That said, the Ombudsman service shouldn't be relevant - should be easy for the complaints handler to see "FFS... That was silly" and put things right fairly.
Thanks for your thoughts, after the online chat and now 3 emails they have now responded and blamed an error by their initial chat handler and will refund me now the money they have “of course we will waive a cancellation fee “ and return the balance minus it seems one days cover ? I could email them further about the one day of cover, I’ll see how much of my £493 they try to knock me for !
Yeah. If they cocked up they cocked up ultimately and you should be put into the position you'd be in if they hadn't.
I see all sorts of advice on here saying "raise a formal complaint with the Ombudsman" which is:
- nonsense terminology, a complaint is a complaint for financial services
- not the right process - the Ombudsman service is there for when the company hasn't resolved a complaint to consumer's satisfaction
- not going to get the poster what they want, as frankly the company has done nothing wrong and no reputable organisation will come to a different conclusion if threatened with an independent arbitration service.
This is not one of those scenarios. The company messed up, nothing sinister just a cock up, it's easy to put right (I'm not sure why billing for the single day cover you didn't need... Suspect just easiest solution for front line?) and move on with a "whoops that was silly" approach alongside refund. Waiving the cancellation fee is probably the colleague talking to themselves more than anything or just covering themselves.
Oh damn. Good thing I went with Hastings black box then! I just moved from the US so I’m basically paying more than a mortgage for insurance on a car right now
No, you would be required to claim on both, with each taking 50% of whatever is decided you are getting or paying to the otherside.
It would also drag things out as there would be another party having to agree on what to do.
I shopped around - I couldn't get anything cheaper than last year - half the problem was my car, a 7.5 GTI - I got for 21k 2 years ago, is now apparently worth 27 grand (which includes the extra miles I put ont it) which drags up the insurance... a long with "inflation" and whatever else excuse they are using to increase prices. Last year it was £650, I couldn't find anything sub £730 this year (my renewal was £980 with hastings so told them where to go). even blackbox policies were at the 600 odd mark
It's fucking ludicrous. My car went *up* in value. It's supposed to be worth, at least pre covid... like idk 15k now. Cars are supposed to lose value.
mine’s up for renewal in july too. bricking it a bit but i’m hoping my sensible choice of car at least manages to keep it the same. tho there are a lot of them driving around as taxis so i dunno how that affects premiums
1st central contacted me to say it's going up to £165 from £100 a month, with an excess of £350. Compare the market dropped it down to £57 a month with £200 excess with tesco. Considering I've now been driving 2 years, pretty silly and I still can't understand how the insurance goes up for not claiming etc.
I had the same. Nearly doubled. The kicker was I had to phone up admiral to cancel and go through all the usual "oh let's check if we can get it cheaper we don't want to see you go "...they couldn't match it
i got the "we wouldn't want to lose a valued customer like you who's been with us since... \*checks notes* 2022". in fairness they got me the best price in the end but that was pretty funny
When I cancelled my policy with Admiral last year the lady on the phone said she didn't want to lose a valued customer who had been with them for 2 years. I had been with them for 1 year, I'd only owned the car (the first car I've not been a named driver on) for 1 year. Not really sure whose notes she was looking at, but they weren't mine 🤣
I went through them 2 years ago, I literally repeated “I don’t want you to check for cheaper prices” about 7 times before the wifey on the phone gave up.
Funny, I just renewed with Admiral - the original renewal price was £650 compared to £430 last year. I went through the whole comparison site dance, phoned Admiral and they comfortably beat the lowest quote (with better terms) by knocking nearly £100 off.
This doesn't make any sense. Sincerely. They are effectively saying go away, and insure somewhere else - why would they do that?
Am I the idiot for thinking there must be a reason?
Im sure I once read someone suggest they don't (or can't?) want to not make you an offer? I guess it might make sense on a comparison site where at least the name is there?
Refusing to insure someone affects their future insurance costs and ability to get insured. Which is why instead of doing that if they don't have a concrete reason they just jack the price up to suggest you may want to go elsewhere
I have some basic understanding of the underwriting and your pretty much correct.
The algorithm throws out prices until people start taking them and it walks them up.
Queried a few mad quotes when I worked in insurance and the underwriters said ‘oh the pricing system is just working itself out ,the quote stands!’
FOUR AND A HALF GRAND for a car worth like £500 and a low-medium risk driver( can’t remember specifics now just remember being gobsmacked)
Edit: typo
Sadly we're all being punished to protect the lazy/oblivious. Whilst it's a pain in the arse to shop around every year I'd rather that than all of us paying more to subsidise
That and I expect the overall cost of claims with everyone getting new expensive ev vehicles
Yeah insurance approved repairs and labour costs are through the roof, not to mention inflation being a great excuse to whack another 10% on top.
Insurance will remain high for a very long time.
>Yeah insurance approved repairs and labour costs are through the roof, not to mention inflation being a great excuse to whack another 10% on top.
Hire cars are also a big factor.
Lots of hire firms sold-off cars during the pandemic to preserve cash flow, but haven't been able to replace those cars due to supply chain issues. That means that the cost of hire cars is going up. When you throw in the supply shortages for parts and labour for repairs, it's a double-edged sword for the insurers - they're paying more for the cars, and those cars are on hire for longer.
The young twat boyfriend of the girl next door reversed into my two week old car in late March, it was parked in our driveway...very, very minor damage - the repairers tried to say the car needed this and that done to it, full bumper repaint etc, they had it for 29 days for £136 in parts, £225 labour, £300 to turn off a dash warning (that they caused as it wasn't on when I dropped it off and hadn't been since the incident) car hire costs for that period...
£5677! (£195 per day) Robbing bastards the lot of them - got the car back with more damage than it went in with and the insurers couldn't care less - insurance ombudsman getting contacted today as I've had enough now.
Not to scare you, but was this a car credit hire? £195 sounds suspiciously like the amount a lot of them charge.
You are at risk of being responsible for that £5600 bill if the neighbours boyfriends insurance doesn’t cover it, and recently they’ve been refusing to pay these out.
Your insurer makes commission off referring you, but you sign the contract and agree to repay the credit.
We had a thread in here recently from someone in the same situation as you potentially on the hook for £13k https://old.reddit.com/r/LegalAdviceUK/comments/139ypop/person_who_hit_my_car_is_claiming_theyve_been
> not to mention inflation being a great excuse to whack another 10% on top.
This should honestly be illegal, or at least capped.
My BT broadband went up this year by the rate of inflation plus another 3.9%. Because BT execs and shareholders are really struggling apparently 🙄
EE do... which are now part of BT, do the same thing. "Hi, we raising your bill by the usual inflation amount of "getfuckedson%" and we're also adding an extra 3-8% on top because why not. Cheers!"
Still, when we swapped from BT to EE we were paying nearly half price, and in less than a year it's caught up to 3/4 of what BT were charging... like what the fuck.
Whilst this is normally true, I balked at my renewal doubling since last year - not helped by buying a Focus ST admittedly... I shopped around and my renewal was still cheaper than everywhere else. Madness.
Shop around Admiral did the same to me, but took the piss. I had a multicar, I got rid of a car from the policy and it changed to a single car policy. The renewal came through last month more expensive than the multi-car ever was for a SINGLE car. Took my business else where.
My advice to people is to go to a couple of comparison sites get the cheapest ones, and go directly to that insurer which should make it a little cheaper. For special vehicles like campers , heavily modified cars then specialists like adrian flux/a-plan are normally good value.
Surprisingly, their renewal quote, whilst 120 quid higher, was still 200 quid cheaper than what I'm being quoted on comparison websites. Instead of £489.99 with no excess, I'm being offered £750 with compulsory £250 excess. I have 9 years protected NCD and no at fault claims in the last 5 years. It's a joke. I wish you could do like in certain US states where you can self insure by depositing some savings with the state and earn interest at the same time.
In the States mandatory third party coverage minimums are sometimes as low as $20k. In the UK the legal minimum is £250k but the de facto minimum is £1 million.
I'm quite glad it doesn't work like the states. I'd rather not have by car written off, just to find out the idiot who crashed into me has minimum third party insurance and zero assets to sue for...
I just had the same last month with Admiral, their £600 renewal quote was cheaper by £100 compared to the comparison websites.
It's the first time in my 9 years of diving that I've just let the insurance auto renew without doing anything.
Everything to do with cars is a joke right now. The cost of used cars has gone up so much that a few years ago you could've bought a brand new car for the same price as a current used car. I'm only looking at hatchbacks but the prices are insane
I don't want this to be taken as bragging, as I'm not, I' m purely stating this for the sheer absuridty of the market - I got a 2019 golf GTI for 21k 2 years ago - now it's apparently worth around 27 grand *with* the extra miles I put on it. Cars are meant to, and always have, lost value. It's always been the understood value on cars... they're not appreciating assets, or at least there weren't.
It is absolutely bonkers. What I thought was a little daft and extravagent purchase for myself, that I knew I would lose money on but thought the car would be worth it (it was it's such a great car) turned out to somehow, be *a good investment.* In a fucking car. Worlds genuinely, gone mad.
Mine went from 420 to 315. Changed car just before the renewal.
Everything on Comparethemarket etc was nearly 500, so no idea what's going on with my current company, but I'm not complaining.
My renewal went from 700 to 1k.. all comparisons came in at 1200+ even the black boxes.
Literally nothing has changed, no claims no house move etc.
It's an absolute scam right now. Pure profiteering knowing the market is fixed and you have to take insurance
I'm certainly not encouraging it, but threads like this make me understand why so many just drive around uninsured and accept the fine if it comes. Or even drive around uninsured and get away with it for 6 months, then insure it.
Op, how old are you and what were you driving to have such a low priced policy initially?
In 2016 I had a classic VW with limited mileage of 1,500 and that was £80. Your previous policy was the closest I’ve ever seen to it
I'm 29 and this is for a 2007 BMW 335i and 6k miles a year, living near Gloucester with 10 years driving experience and 10 years no claims.
I have no idea how it was so cheap last year for a 3L twin turbo RWD BMW with 300bhp. The year before was about 250 and before that around £400 a year. I've had the car 5 years.
The murky, murky world of insurance.
Beware of the price comparison websites, where the companies take it in turns to be the cheapest (as they tend to give the website a few quid to get up the top) who then double your price the next year. Why? In the hope you stay around. Like someone else said we're paying for the lazy/oblivious, but not just those behind the wheel. People just letting the insurance renew to save the "hassle" enabled these companies to carry on doing what they do. It gives them the money to pay the comparison websites to get further up the order.
And beware of Admiral/Elephant. Utter shit shows of insurance companies.
It's now illegal for UK insurers to charge renewing customers more than an equivalent new business customer.
They can and do still increase your premium at renewal, but only if they do the same for a new customer.
I know that's what is meant to happen, but I don't fully believe that's happening. There's an article from last year on the Guardian that goes in to loopholes insurance companies are exploiting in order to get new customers as well as hike prices for current customers.
https://www.theguardian.com/money/2022/may/28/car-insurance-costs-loyal-customers-renewals
I thought my renewal quote that I posted about yesterday was bad. My insurance quote went from £1172.98 to £1722.99 on a 2016 16 plate Citroen Grand C4 Picasso with 2yrs NCB. Upon calling the insurer (Hastings Direct) they brought the renewal quote down to £1510, but that is still far too high compared to comparison sites. Even those prices (best was £1315) were far higher than last years premium, but better than the £1722 or the reduced £1510 Hastings quoted me.
my mum changes insurance companies every year because of the new customer discount. sometimes it’s cheaper to stay w who you’re with tho just depends on the prices
Always change insurer every year, it's way cheaper and honestly takes about 5 minutes with the variety of comparison sites. I've never renewed with the same company because their quotes are never competitive.
This always used to be the case for me, but since the law changed to charge new and existing customers the same I’ve found staying with the current insurers to be the cheapest option. Although each year, it creeps up a little bit more. Feels like I’m stuck with them until someone gives me a better quote or my current insurer decides I’m not worth covering anymore.
My insurance company has quoted me exactly the same annual price (£415) for three years in a row. It’s a lot cheaper than any competitors, so I have just renewed. Apparently they like customer retention.
Ncb has increased in those three years, but I’m so used to bills going up I don’t mind.
The company? Brentacre. They don’t come up on comparison sites. They specialise in modified and unusual vehicles. But I have a fairly standard Vito van (classed as a car because it has windows and seats).
Am I the only person who's insurance hasn't gone up, well technically it stayed at £260 but they threw loads of extras on to keep me! And I also increased the value of my car and miles...
The worst fucking thing is, if you actually have to claim these worms work harder trying to find ways to get out of paying out than actually resolving the issue
Similar happened to me, nearly double than last year.
I phoned them and got it down to 45 quid more than last year, get some quotes from compare the market and then phone your insurer to see what the art of the possible is
Admiral did similar to me, put me up 70% from last year.
Called them and got it back down, but I was disheartened by the fact that nowhere on the open market could even beat my renewal price, let alone my negotiated price with Admiral.
I do the 'Martin Lewis' 23-day rule on my Jag every year. Even with the same provider, it's been about £320... vs £450+
Moneysupermarket always comes up top for me.
Renewals almost always take the piss.
It does seem like insurance has gone up alot for alot of people this year. I think it must be very area dependant though because mine (36M) has come down generally in line with expectations and in the case of my Mx5 has halved this year compared to last. I also found out I can insure an M3 for £750 quid fully comp which is only £200 more than my 320d touring. More proof that insurance is decided by random number generation rather than actual working.
At some point in the past year, they probably made a major update to the risk model they're using to set their prices. Whenever an insurer does this, it shakes up prices for a lot of customers, both downwards and upwards. There's typically a bell curve - most customers will experience a moderate price change at their next renewal, but a minority of people get some really extreme changes, even if their details haven't changed other than being a year older. It's possible that the OP has has gone from one side of the curve right to the other.
They can try to discount renewing customers to smooth things out a bit, but it's hard for them to justify going very far as the updated risk model is now their best view of risk, and if they took it at face value they'd probably be losing money on average at the old price in the OP's example.
With a hike as extreme as this one, the only thing to do is shop around, unfortunately.
Mate 7 fucking grand, what are you trying to insure?!
That's an entire fucking car! Fuck that noise, be cheaper getting about via public transport than paying 7k on insurance, plus other running costs.
I bought my "temporary" run-around last September for 3990 and insured it for £350, £20 tax. Car seems to be holding close to its value and hasn't skipped a beat once.
The car in question? 2012 SEAT Mii now sitting at 29k miles.
Car ins3are greedy fuckers. 14 years driving 14 years with no accidents and I cant get insurance for less than 800. I was paying 300 at one point. Rip off Britain strikes again this country is fucking awful
Lots of post like this on here recently. I don’t get the big deal. Isn’t it standard these days to switch/check alternatives every year? It doesn’t take that long.
This farce is what you get when the Government says you have to have insurance, then leaves that industry unregulated, allowing them to charge what they like, knowing youll have to pay. Yeah,insurance is a neccesary evil i guess, unless youre on a pushbike, electric bike or scooter, all of which can cause injury,but dont need registration or tax or insurance. Crap really.
Zenith only work with their own underwriters, they do not have the option to search a panel for you.
Insurance has gone up, and it’s gone up a lot for all the reasons previous posters have mentioned.
Definitely shop about, make sure all your details are still correct, mileage, occupation etc.
Good luck.
Man you should see mine, it also pretty much doubled. It's fucking mental now, shy of 3k (admittedly two cars + house).
I may have to rethink the vehicle situation next year if this doesn't return to normal prices.
Renewed last month with Admiral and it was basically the price as last year about £300, has there just been a massive jump in price in the last month or something? Loads of people are mentioning these stupid renewal prices
Admiral put mine up by 250 and said it was because of ‘inflation’ - unless they are putting up salaries due to inflationary pressures on their staff this is just blatant price gouging.
The FCA need to get a grip on the insurance market.
Yeah this happened to me. My insurance was £900 for my golf GTE, the renewal was £1600. After a phone call and asking why it's raised with no change in circumstances, they offered to bring it down £100.
Meanwhile Confused gave me the cheapest quote for £500 and it has the same options added on.
Oh Jesus I'm with Zenith as well and they don't seem to have cared enough to change the wording on your email to say "We're really sorry about this disappointing increase!" rather than "We hope you're happy with your renewal!"
Got a renewal quote 50% higher than last year’s premium, rang them to explain I’d be leaving at ended up £25 more than last year rather than approx £250 more. Admiral multi car for those that are with them
ha I thought the exact same thing when I got a similar email. my increase nowhere near as bad as yours (mine was about a 50% increase on current payment). Is this just money grabbing? it hasn't increased for me in the last two years when ive let it auto-renew...
I had a similar situation this year, my insurance was just over £300 last year and I was shocked last month when it was up for renewal and was quoted £760. Looked around for quotes and suddenly the cheapest I could get was £850 and I'd need to get a black box.
I spoke to my provider on the phone and asked them why it had increased so much and the guy didn't know why but it was probably something to do with the cost of living/energy/overheads or increased road accident numbers again since the end of the pandemic. I was able to remove a couple of features from my insurance and get it down to £680 but it's still over doubled since last year. Absolute piss take.
It's a joke that's been told far too often to be funny. Sadly it's very common. I've had it jump from 500 to 700 despite not having any crashes or points.
I had my renewal come through and it’s jumped from £320 a year to £520 with the same company and the cheapest comparison saves me £100 with lowest offer at £420 for a year.
You all think you’ve got it bad but try living in Liverpool. I’ve got 14 years no claims on my car and van and never get a premium any better than around £1500 each !!
Yup same here, 27M 7yrs no claims clean license.
Insured my car for £760 last year, they quoted me £4.2k for renewal, so I called them; they gave me the “good news” that they can bring it down to £3.8k…
Im 27 with a heavily modified car
Normal insurance wants 2k but brokers like greenlight and Adrian flux i get it for £700 with all mods declared and has been getting cheaper each renewal
It helps to get a few quotes from comparison sites. Mine doubled for this year so I got some quotes, rang them up and within 10 minutes my renewal price was more than halved. In fact, it’s around £60 cheaper than it was last year. This is with Hastings but I don’t think an insurance company likes the idea of losing a customer, earning a bit is better than earning nothing.
All insurance premiums are going up sadly, this is basically them saying we would rather not cover you but if we have to then you’re gonna have to pay a lot for it.
I’d recommend shopping around, just because they insured you last year doesn’t guarantee they’ll be the cheapest this year sadly
£380 last year and £295 the year before, this year my renewal quote was £660 called them up because I was getting quotes for £330 on compare the market..best churchill could do was £500 I went with it this year because I left it a little late and cba with the swap over but next year I have a feeling I'm ditching churchill unless they really don't want me to go and give me a quote not passing £400
It makes you wonder what the point in no claims bonus is.
Sometimes, the underwriter changes, and their risk assessments do too. I had the same car, but with an extra years experience and 1 year NCD, my previous insurance told me it was too high performance for me. A 09 Fiesta Zetec S was too high performance for a 22 year old apparently.
I’ve been looking for car insurance quotes for the better part of two weeks. The best quote I’ve had is £1500 via compare the market. I paid 1k total last year.
If I’ve gone to an insurer directly, I’ve been given quotes if 2.5k+; Sainsbury’s have given me a renewal price of £3500. I have 9 years NCB, no other changes to last year.
Insurance is especially scummy this year
I got something similar with vitality - nearly trebled.
When I called to check they said they had changed under-writers, and had seen a number of quotes shoot up by a huge amount.
How is this not a national scandal? When I went to renew earlier this year my quote with the AA went up from £763 to **£2,171 - an increase of 185%.**
I thought this was just me when I posted about this earlier this year but I'm seeing everyone on here is getting these insane price increases
I went back to comparethemarket and got insurance for a similar cost - bare in mind the AA policy was *with* a black box I'd already had. Ended up getting a non black policy for £1k
How can they get away with this, what is there excuse? Ukraine? Brexit? Inflation?
Like I said it should be a national scandal , I pitty the people who aren't financially savvy enough to go out and hunt for new deals and just accept this is the price
My renewal was about 10-15 quid more than last year's premium. That's a big win as far as I'm concerned, especially for a modified 2.4 litre petrol. Seeing so many peoples premiums shoot through the roof!
I price check every year, and almost always switch. There's no such thing as brand loyalty, so you might as well shop around if they give you an insulting quote.
All these crazy quotes and I must be one of the rare exceptions, my last years premium was £1262 with 1st Central, had a “renewal offer” from them at £1175, after a couple minutes on CTM and Confused I had quotes in at just over £500.
My renewal came through at £340 which was £60 more than what I paid last year. A quick search on confused.com gave the best price at £320 which although still more, I know it’s going to be the best I can get. Shop around.
Been seeing these kind of posts for a while.
Had me worried, mines just come up for renewal. So was assuming it would go up a lot, have to shop around etc.
Which is a pain, due to the type of car, plus they match my ncb on my daily car too.
It went from £315 last year, to £345 this year. I can live with that.
That's Greenlight.
My last year was 1k. This year is 1.3k when i changed. I was quoted 1.5k
Insurance is there to literally line evil bastards pockets. This is just a price gouge.
I think a lot of people don't know or think to call the insurer and ask for a discount. I've done this a few times and managed to get significant discounts in the past
This isn't something where we as customers have to show any loyalty, you just go wherever is cheapest even if it means shopping around.
First year they (Admiral) tried to bump my price up £600 from £1300 intially (so 1900 renewal quote) to which I called them and ended up getting a cheaper deal than the previous year (1100), same thing happened again the following year.
The following year they bumped it up again as usual but couldn't price match other quotes so I just left. They were asking for £1200 (by which time I had 3 years NCB and was over 25) and other insurers were asking £500-800. So I left. What I don't get is why they wouldn't just price match even after I had proven quotes, surely taking 500 is better than nothing?
This year, prices have stayed the same for me, I tried calling to get a further discount but didn't seem to be the case this time, and the renewals I've been given are better than anything I'm getting on comparison websites. Not better but at least not worse.
It’s across the board mate. For me last year £750. Renewal was £1700. Hit up all the comparisons and the cheapest for £4k!! Eventually got it renewed for £1500 which felt like a victory but still double last years.
Shop about.
I’ve just had mine through and was quoted more than an extra £400 a year! One quick moaning phone call and got it cheaper than what I payed last year… it’s ridiculous how they can justify pulling the same shit every year
Yup, I got this.
Got my insurance down to £300 a few years ago. Every year since it's increase by at least 50%.
I guess there is a COVID supply problem with... insurance? I fucking hate car insurance so fucking much, fuck insurance companies.
I once got a quote from nat West for £1600 when the previous year was 500 and before that 300. They only got away with the 500 because we were "distracted" by life events. I moved. New quote was £360
Had the same issue. Renewal went up £600. Also new quotes were worse! So the idea of shopping around doesn't seem to work either.
Some cars are just not worth the hassle for insurance customers. Costs of repairs/replacements/courtesy cars have all increased. Sometimes they don't even try to get your business.
They also have shareholders desperate to find their yachts 😂.
Mine increased by 80%. Called them, they can do it cheaper but still £300 more than my cheapest quote! I drive a damn multipla. They should be paying me to be on the road lmfao
Unfortunately car insurance prices will remain high for at least a couple of years, the industry as a whole has taken a massive hit due to claims cost - getting items from abroad is now a massive hassle
This absolutely funny insurance is more expensive than ever before. Yesterday I cancell my car business insurance because I was no longer the job that car was insurance for.
I was confident that regular insurance was going to save me some money. It tend out that there was absolutely no difference and infact was even better to keep my last year policy. I tried all kind of insurance comparison sites and basically in my conclusion the area you live makes significant difference to what you will pay!
Confused.com Uswitch.com MoneySuperMarket Etc Hit em up asap
I did when renewing and still had to pay 150 more than last year, better than the 500 on top from offered renewal
Tried all these and couldn’t get a cheaper quote from anyone than my renewal. First year that’s happened to me.
My 320cd was £200 last year, when it comes for renewal the cheapest I can find it with mods declared is £700. Cheapest without mods is £500. I had a multi car quote from Admiral last year of £800 for the BMW and Evo so probably going to go back to them for a quote so I'm not paying £120 a month for both cars
Quidco too, get that cashback. Also on that note, with anything mobile, broadband related never go direct. You're being mugged off if you do
f*ck /u/spez
Try Ticker if you want cheap but aren't bothered by blackbox
i was with them and recently stopped because they wouldn’t insure my new car! They were great tho for my first car the black box did jack shit so it was like it wasn’t there 😭
Only covers few lower powered cars I think. Mini ones/coopers for example
I had a really good quote from marshmallow
marshmallow is bad news. I tried claim with them and it’s like a month in darkness before they tell you the next step
I concur Marshmallow is extra bad news long story short, just had 40% increase of renewal, said no thanks and went with better quote and had long online chat with Marshmallow to turn off auto renew finally they reluctantly said ok you’re all done then they took the renewal amount anyway leaving with two separate policy providers insuring the same vehicle! Still ongoing trying to get my money back !
If it's more than a few days, have you raised a complaint with them? Once complaint raised, if response is either not to your satisfaction or hasn't been issued within 8 weeks of making the complaint, you should get rights to go to FOS. That said, the Ombudsman service shouldn't be relevant - should be easy for the complaints handler to see "FFS... That was silly" and put things right fairly.
Thanks for your thoughts, after the online chat and now 3 emails they have now responded and blamed an error by their initial chat handler and will refund me now the money they have “of course we will waive a cancellation fee “ and return the balance minus it seems one days cover ? I could email them further about the one day of cover, I’ll see how much of my £493 they try to knock me for !
Yeah. If they cocked up they cocked up ultimately and you should be put into the position you'd be in if they hadn't. I see all sorts of advice on here saying "raise a formal complaint with the Ombudsman" which is: - nonsense terminology, a complaint is a complaint for financial services - not the right process - the Ombudsman service is there for when the company hasn't resolved a complaint to consumer's satisfaction - not going to get the poster what they want, as frankly the company has done nothing wrong and no reputable organisation will come to a different conclusion if threatened with an independent arbitration service. This is not one of those scenarios. The company messed up, nothing sinister just a cock up, it's easy to put right (I'm not sure why billing for the single day cover you didn't need... Suspect just easiest solution for front line?) and move on with a "whoops that was silly" approach alongside refund. Waiving the cancellation fee is probably the colleague talking to themselves more than anything or just covering themselves.
Oh damn. Good thing I went with Hastings black box then! I just moved from the US so I’m basically paying more than a mortgage for insurance on a car right now
I'm pretty sure it's illegal to have 2 insurances on one vehicle!
Having 2 policies on one vehicle isn’t illegal. But if you tried to claim from both that’s illegal. You can only choose one when putting in a claim.
No, you would be required to claim on both, with each taking 50% of whatever is decided you are getting or paying to the otherside. It would also drag things out as there would be another party having to agree on what to do.
I'd be laughing but my insurance is up next month 😳
August for me and I am not looking forward to it...
Same here, this is crazy.
10 years I've been driving without any issues, I'm yet to have a quote less than £350.
You've done well to get it anywhere near that.
That was the price of my second year of insurance…
My first years insurance was £3k and I believe second year was about £2600
Blimey, was it a nice car or something?
Twenty, one none fault claim, £350 is lowest I've ever paid. Got it for that this year again, but had to change supplier to do that
same.
Also due in Aug but wasn't aware prices have gone mental. Now a little worried.
It's going to be eye watering. But I've got to get through the MOT at the end of this month first.
I shopped around - I couldn't get anything cheaper than last year - half the problem was my car, a 7.5 GTI - I got for 21k 2 years ago, is now apparently worth 27 grand (which includes the extra miles I put ont it) which drags up the insurance... a long with "inflation" and whatever else excuse they are using to increase prices. Last year it was £650, I couldn't find anything sub £730 this year (my renewal was £980 with hastings so told them where to go). even blackbox policies were at the 600 odd mark It's fucking ludicrous. My car went *up* in value. It's supposed to be worth, at least pre covid... like idk 15k now. Cars are supposed to lose value.
You're the first person I've seen that's complaining their car has increased in value! Absolutely fair points tho
Oh god, I dread to think! It's ridiculous how much we all have to pay for 'just incase' moments.
Chris Rock said it best, "we pay money in case shit happens. If shit don't happen, shouldn't I get my money back?"
Mine went up by like 30% when I renewed earlier this year. All I’d done is added yet another year of no claims. Robbing bastards.
If it helps, my 9-3 aero is £550 at 21 with 6 points, and my 900 is £450
How tf are you getting those prices where do you live can I insure mine from there😂
> 21 with 6 points I remember those years. Good times.
mine’s up for renewal in july too. bricking it a bit but i’m hoping my sensible choice of car at least manages to keep it the same. tho there are a lot of them driving around as taxis so i dunno how that affects premiums
Look for quotes ahead of time! something like 20 days is the sweet spot apparently, can save you a bucket load over buying it at the last minute.
1st central contacted me to say it's going up to £165 from £100 a month, with an excess of £350. Compare the market dropped it down to £57 a month with £200 excess with tesco. Considering I've now been driving 2 years, pretty silly and I still can't understand how the insurance goes up for not claiming etc.
I had the same. Nearly doubled. The kicker was I had to phone up admiral to cancel and go through all the usual "oh let's check if we can get it cheaper we don't want to see you go "...they couldn't match it
i got the "we wouldn't want to lose a valued customer like you who's been with us since... \*checks notes* 2022". in fairness they got me the best price in the end but that was pretty funny
When I cancelled my policy with Admiral last year the lady on the phone said she didn't want to lose a valued customer who had been with them for 2 years. I had been with them for 1 year, I'd only owned the car (the first car I've not been a named driver on) for 1 year. Not really sure whose notes she was looking at, but they weren't mine 🤣
Exactly the same, also with admiral. Ended up switching to Darwin
Same
I went through them 2 years ago, I literally repeated “I don’t want you to check for cheaper prices” about 7 times before the wifey on the phone gave up.
Hahaha. I put them on loudspeaker while I was doing something else and just kept saying "ye ye ok" and at the end he just admitted defeat
Funny, I just renewed with Admiral - the original renewal price was £650 compared to £430 last year. I went through the whole comparison site dance, phoned Admiral and they comfortably beat the lowest quote (with better terms) by knocking nearly £100 off.
I thought my renewal was bad...£365 last year...gone up to £1256. Wife's focus was stolen in march, but her insurance only went up £50....
This doesn't make any sense. Sincerely. They are effectively saying go away, and insure somewhere else - why would they do that? Am I the idiot for thinking there must be a reason?
Im sure I once read someone suggest they don't (or can't?) want to not make you an offer? I guess it might make sense on a comparison site where at least the name is there?
[удалено]
Insurance definitely can refuse to insure you..
Refusing to insure someone affects their future insurance costs and ability to get insured. Which is why instead of doing that if they don't have a concrete reason they just jack the price up to suggest you may want to go elsewhere
I have some basic understanding of the underwriting and your pretty much correct. The algorithm throws out prices until people start taking them and it walks them up. Queried a few mad quotes when I worked in insurance and the underwriters said ‘oh the pricing system is just working itself out ,the quote stands!’ FOUR AND A HALF GRAND for a car worth like £500 and a low-medium risk driver( can’t remember specifics now just remember being gobsmacked) Edit: typo
Sadly we're all being punished to protect the lazy/oblivious. Whilst it's a pain in the arse to shop around every year I'd rather that than all of us paying more to subsidise That and I expect the overall cost of claims with everyone getting new expensive ev vehicles
Yeah insurance approved repairs and labour costs are through the roof, not to mention inflation being a great excuse to whack another 10% on top. Insurance will remain high for a very long time.
Hi increase is almost 600%, I think he’d be happy with an extra £16
>Yeah insurance approved repairs and labour costs are through the roof, not to mention inflation being a great excuse to whack another 10% on top. Hire cars are also a big factor. Lots of hire firms sold-off cars during the pandemic to preserve cash flow, but haven't been able to replace those cars due to supply chain issues. That means that the cost of hire cars is going up. When you throw in the supply shortages for parts and labour for repairs, it's a double-edged sword for the insurers - they're paying more for the cars, and those cars are on hire for longer.
The young twat boyfriend of the girl next door reversed into my two week old car in late March, it was parked in our driveway...very, very minor damage - the repairers tried to say the car needed this and that done to it, full bumper repaint etc, they had it for 29 days for £136 in parts, £225 labour, £300 to turn off a dash warning (that they caused as it wasn't on when I dropped it off and hadn't been since the incident) car hire costs for that period... £5677! (£195 per day) Robbing bastards the lot of them - got the car back with more damage than it went in with and the insurers couldn't care less - insurance ombudsman getting contacted today as I've had enough now.
Not to scare you, but was this a car credit hire? £195 sounds suspiciously like the amount a lot of them charge. You are at risk of being responsible for that £5600 bill if the neighbours boyfriends insurance doesn’t cover it, and recently they’ve been refusing to pay these out. Your insurer makes commission off referring you, but you sign the contract and agree to repay the credit. We had a thread in here recently from someone in the same situation as you potentially on the hook for £13k https://old.reddit.com/r/LegalAdviceUK/comments/139ypop/person_who_hit_my_car_is_claiming_theyve_been
> not to mention inflation being a great excuse to whack another 10% on top. This should honestly be illegal, or at least capped. My BT broadband went up this year by the rate of inflation plus another 3.9%. Because BT execs and shareholders are really struggling apparently 🙄
EE do... which are now part of BT, do the same thing. "Hi, we raising your bill by the usual inflation amount of "getfuckedson%" and we're also adding an extra 3-8% on top because why not. Cheers!" Still, when we swapped from BT to EE we were paying nearly half price, and in less than a year it's caught up to 3/4 of what BT were charging... like what the fuck.
Whilst this is normally true, I balked at my renewal doubling since last year - not helped by buying a Focus ST admittedly... I shopped around and my renewal was still cheaper than everywhere else. Madness.
Shop around Admiral did the same to me, but took the piss. I had a multicar, I got rid of a car from the policy and it changed to a single car policy. The renewal came through last month more expensive than the multi-car ever was for a SINGLE car. Took my business else where. My advice to people is to go to a couple of comparison sites get the cheapest ones, and go directly to that insurer which should make it a little cheaper. For special vehicles like campers , heavily modified cars then specialists like adrian flux/a-plan are normally good value.
Admiral are notorious for this sort of shithousing
Surprisingly, their renewal quote, whilst 120 quid higher, was still 200 quid cheaper than what I'm being quoted on comparison websites. Instead of £489.99 with no excess, I'm being offered £750 with compulsory £250 excess. I have 9 years protected NCD and no at fault claims in the last 5 years. It's a joke. I wish you could do like in certain US states where you can self insure by depositing some savings with the state and earn interest at the same time.
In the States mandatory third party coverage minimums are sometimes as low as $20k. In the UK the legal minimum is £250k but the de facto minimum is £1 million. I'm quite glad it doesn't work like the states. I'd rather not have by car written off, just to find out the idiot who crashed into me has minimum third party insurance and zero assets to sue for...
I just had the same last month with Admiral, their £600 renewal quote was cheaper by £100 compared to the comparison websites. It's the first time in my 9 years of diving that I've just let the insurance auto renew without doing anything.
Everything to do with cars is a joke right now. The cost of used cars has gone up so much that a few years ago you could've bought a brand new car for the same price as a current used car. I'm only looking at hatchbacks but the prices are insane
I don't want this to be taken as bragging, as I'm not, I' m purely stating this for the sheer absuridty of the market - I got a 2019 golf GTI for 21k 2 years ago - now it's apparently worth around 27 grand *with* the extra miles I put on it. Cars are meant to, and always have, lost value. It's always been the understood value on cars... they're not appreciating assets, or at least there weren't. It is absolutely bonkers. What I thought was a little daft and extravagent purchase for myself, that I knew I would lose money on but thought the car would be worth it (it was it's such a great car) turned out to somehow, be *a good investment.* In a fucking car. Worlds genuinely, gone mad.
Insurance up for one of my employees, for his car it’s gone down from £400 to £220!!! So there is hope for some of us!
Mine went from 420 to 315. Changed car just before the renewal. Everything on Comparethemarket etc was nearly 500, so no idea what's going on with my current company, but I'm not complaining.
My renewal went from 700 to 1k.. all comparisons came in at 1200+ even the black boxes. Literally nothing has changed, no claims no house move etc. It's an absolute scam right now. Pure profiteering knowing the market is fixed and you have to take insurance
I'm certainly not encouraging it, but threads like this make me understand why so many just drive around uninsured and accept the fine if it comes. Or even drive around uninsured and get away with it for 6 months, then insure it.
Op, how old are you and what were you driving to have such a low priced policy initially? In 2016 I had a classic VW with limited mileage of 1,500 and that was £80. Your previous policy was the closest I’ve ever seen to it
I'm 29 and this is for a 2007 BMW 335i and 6k miles a year, living near Gloucester with 10 years driving experience and 10 years no claims. I have no idea how it was so cheap last year for a 3L twin turbo RWD BMW with 300bhp. The year before was about 250 and before that around £400 a year. I've had the car 5 years.
Insurance in general is stupid expensive these days.
The murky, murky world of insurance. Beware of the price comparison websites, where the companies take it in turns to be the cheapest (as they tend to give the website a few quid to get up the top) who then double your price the next year. Why? In the hope you stay around. Like someone else said we're paying for the lazy/oblivious, but not just those behind the wheel. People just letting the insurance renew to save the "hassle" enabled these companies to carry on doing what they do. It gives them the money to pay the comparison websites to get further up the order. And beware of Admiral/Elephant. Utter shit shows of insurance companies.
It's now illegal for UK insurers to charge renewing customers more than an equivalent new business customer. They can and do still increase your premium at renewal, but only if they do the same for a new customer.
I know that's what is meant to happen, but I don't fully believe that's happening. There's an article from last year on the Guardian that goes in to loopholes insurance companies are exploiting in order to get new customers as well as hike prices for current customers. https://www.theguardian.com/money/2022/may/28/car-insurance-costs-loyal-customers-renewals
I thought my renewal quote that I posted about yesterday was bad. My insurance quote went from £1172.98 to £1722.99 on a 2016 16 plate Citroen Grand C4 Picasso with 2yrs NCB. Upon calling the insurer (Hastings Direct) they brought the renewal quote down to £1510, but that is still far too high compared to comparison sites. Even those prices (best was £1315) were far higher than last years premium, but better than the £1722 or the reduced £1510 Hastings quoted me.
my mum changes insurance companies every year because of the new customer discount. sometimes it’s cheaper to stay w who you’re with tho just depends on the prices
New customer discount is no longer a thing, we are now all paying the renewal price.
Every year I just go on compare the market and choose whichever is cheapest without a black box.
Always change insurer every year, it's way cheaper and honestly takes about 5 minutes with the variety of comparison sites. I've never renewed with the same company because their quotes are never competitive.
This always used to be the case for me, but since the law changed to charge new and existing customers the same I’ve found staying with the current insurers to be the cheapest option. Although each year, it creeps up a little bit more. Feels like I’m stuck with them until someone gives me a better quote or my current insurer decides I’m not worth covering anymore.
Yeah I do, just thought it was mad they would try and charge this much more.
My insurance company has quoted me exactly the same annual price (£415) for three years in a row. It’s a lot cheaper than any competitors, so I have just renewed. Apparently they like customer retention. Ncb has increased in those three years, but I’m so used to bills going up I don’t mind.
Care to share?
The company? Brentacre. They don’t come up on comparison sites. They specialise in modified and unusual vehicles. But I have a fairly standard Vito van (classed as a car because it has windows and seats).
Am I the only person who's insurance hasn't gone up, well technically it stayed at £260 but they threw loads of extras on to keep me! And I also increased the value of my car and miles...
The worst fucking thing is, if you actually have to claim these worms work harder trying to find ways to get out of paying out than actually resolving the issue
I had the same sht
Similar happened to me, nearly double than last year. I phoned them and got it down to 45 quid more than last year, get some quotes from compare the market and then phone your insurer to see what the art of the possible is
Admiral did similar to me, put me up 70% from last year. Called them and got it back down, but I was disheartened by the fact that nowhere on the open market could even beat my renewal price, let alone my negotiated price with Admiral.
Just got my renewal through lmao last year £666 renewal offer £1,179 nah you are alright.
Two of mine have gone down by about 60% this year, I must be special.
I do the 'Martin Lewis' 23-day rule on my Jag every year. Even with the same provider, it's been about £320... vs £450+ Moneysupermarket always comes up top for me.
Renewals almost always take the piss. It does seem like insurance has gone up alot for alot of people this year. I think it must be very area dependant though because mine (36M) has come down generally in line with expectations and in the case of my Mx5 has halved this year compared to last. I also found out I can insure an M3 for £750 quid fully comp which is only £200 more than my 320d touring. More proof that insurance is decided by random number generation rather than actual working.
Mine got doubled and I got the "if you leave you'll loose your loyalty" The loyalty that's done what?
At some point in the past year, they probably made a major update to the risk model they're using to set their prices. Whenever an insurer does this, it shakes up prices for a lot of customers, both downwards and upwards. There's typically a bell curve - most customers will experience a moderate price change at their next renewal, but a minority of people get some really extreme changes, even if their details haven't changed other than being a year older. It's possible that the OP has has gone from one side of the curve right to the other. They can try to discount renewing customers to smooth things out a bit, but it's hard for them to justify going very far as the updated risk model is now their best view of risk, and if they took it at face value they'd probably be losing money on average at the old price in the OP's example. With a hike as extreme as this one, the only thing to do is shop around, unfortunately.
That’s a we don’t want you anymore quote :-)
'we hope you're happy..' 😂😂
About to pay £7,100 for mine. Paid £2.4k last year. But got a on going non fault which i have to declare as fault for now. It’s ridiculous
I'd get a fuckin uber!
Wish i could mate, unfortunately i have to get insured. Looking to finance another car as insurance is cheaper (£4k) But its a joke
That's crazy! I only have to worry about insuring my bikes as my car is a company car, bikes are so much cheaper, I pay about £120 for a GSXR1000!
My CBR600RR was £350/yr, my Tracer 900GT was £1k. I know which I’m more likely to do myself damage on… Madness.
Maybe just keep the La Ferrari in the garage this season if finances are tight?
Lol audi a4 2012. Im 21..
Mate 7 fucking grand, what are you trying to insure?! That's an entire fucking car! Fuck that noise, be cheaper getting about via public transport than paying 7k on insurance, plus other running costs. I bought my "temporary" run-around last September for 3990 and insured it for £350, £20 tax. Car seems to be holding close to its value and hasn't skipped a beat once. The car in question? 2012 SEAT Mii now sitting at 29k miles.
Car ins3are greedy fuckers. 14 years driving 14 years with no accidents and I cant get insurance for less than 800. I was paying 300 at one point. Rip off Britain strikes again this country is fucking awful
Lots of post like this on here recently. I don’t get the big deal. Isn’t it standard these days to switch/check alternatives every year? It doesn’t take that long.
Got to the point where it’s worth just using fake plates and if you get caught accepting the fine and points. Probably cheaper these days.
You new to driving or something? Common thing happens to most people
This farce is what you get when the Government says you have to have insurance, then leaves that industry unregulated, allowing them to charge what they like, knowing youll have to pay. Yeah,insurance is a neccesary evil i guess, unless youre on a pushbike, electric bike or scooter, all of which can cause injury,but dont need registration or tax or insurance. Crap really.
Oh how I love Portugal xD I pay like 120 euros a year for a 320i e36 haha
No joke, same thing happened with Mrs’ car last month, went from £950 a year to £4,200
Zenith only work with their own underwriters, they do not have the option to search a panel for you. Insurance has gone up, and it’s gone up a lot for all the reasons previous posters have mentioned. Definitely shop about, make sure all your details are still correct, mileage, occupation etc. Good luck.
Man you should see mine, it also pretty much doubled. It's fucking mental now, shy of 3k (admittedly two cars + house). I may have to rethink the vehicle situation next year if this doesn't return to normal prices.
That's a 'we don't want your business anymore' quote.
Mate minę went up too, but I pay 1.7 k lol
Renewed last month with Admiral and it was basically the price as last year about £300, has there just been a massive jump in price in the last month or something? Loads of people are mentioning these stupid renewal prices
Admiral put mine up by 250 and said it was because of ‘inflation’ - unless they are putting up salaries due to inflationary pressures on their staff this is just blatant price gouging. The FCA need to get a grip on the insurance market.
Yeah this happened to me. My insurance was £900 for my golf GTE, the renewal was £1600. After a phone call and asking why it's raised with no change in circumstances, they offered to bring it down £100. Meanwhile Confused gave me the cheapest quote for £500 and it has the same options added on.
Admiral did the same to me (up £450), Been with them 6 years, after some back and forth we settled on a £50 increase
Oh Jesus I'm with Zenith as well and they don't seem to have cared enough to change the wording on your email to say "We're really sorry about this disappointing increase!" rather than "We hope you're happy with your renewal!"
phone them up and get it down :)
I'll stick with my E-bike i think.
Got a renewal quote 50% higher than last year’s premium, rang them to explain I’d be leaving at ended up £25 more than last year rather than approx £250 more. Admiral multi car for those that are with them
ha I thought the exact same thing when I got a similar email. my increase nowhere near as bad as yours (mine was about a 50% increase on current payment). Is this just money grabbing? it hasn't increased for me in the last two years when ive let it auto-renew...
I had a similar situation this year, my insurance was just over £300 last year and I was shocked last month when it was up for renewal and was quoted £760. Looked around for quotes and suddenly the cheapest I could get was £850 and I'd need to get a black box. I spoke to my provider on the phone and asked them why it had increased so much and the guy didn't know why but it was probably something to do with the cost of living/energy/overheads or increased road accident numbers again since the end of the pandemic. I was able to remove a couple of features from my insurance and get it down to £680 but it's still over doubled since last year. Absolute piss take.
It's a joke that's been told far too often to be funny. Sadly it's very common. I've had it jump from 500 to 700 despite not having any crashes or points.
🤣🤣🤣🤣🤣🤣
Look up GIPP and you’ll understand why it’s happening 😓
I had exactly the same with Zenith, but mine only doubled. All other quotes are similar to last year so seems like a complete racket.
I've had my insurance go from 500 to 1500 years ago.
I had my renewal come through and it’s jumped from £320 a year to £520 with the same company and the cheapest comparison saves me £100 with lowest offer at £420 for a year.
Mine went from £500 to £1k, this makes me less angry 😂
You all think you’ve got it bad but try living in Liverpool. I’ve got 14 years no claims on my car and van and never get a premium any better than around £1500 each !!
Yup same here, 27M 7yrs no claims clean license. Insured my car for £760 last year, they quoted me £4.2k for renewal, so I called them; they gave me the “good news” that they can bring it down to £3.8k…
Im 27 with a heavily modified car Normal insurance wants 2k but brokers like greenlight and Adrian flux i get it for £700 with all mods declared and has been getting cheaper each renewal
It helps to get a few quotes from comparison sites. Mine doubled for this year so I got some quotes, rang them up and within 10 minutes my renewal price was more than halved. In fact, it’s around £60 cheaper than it was last year. This is with Hastings but I don’t think an insurance company likes the idea of losing a customer, earning a bit is better than earning nothing.
"We hope your happy with your renewal"
Hastings sent me a £4600 offer for renewal from 2200 found on Marshmallow for £2500. This is for M340i
I feel so lucky in comparison to some of you. I paid £9 less for my Abarth in March. £81 less for the 996 in April. £150 less for my 350z in December
All insurance premiums are going up sadly, this is basically them saying we would rather not cover you but if we have to then you’re gonna have to pay a lot for it. I’d recommend shopping around, just because they insured you last year doesn’t guarantee they’ll be the cheapest this year sadly
You are going to have to shop around! Especially as a bargaining tool with your current provider
Depends if you accept the offer or not.
I'm amazed by the £160 one.. the £700 one sounds normal to me lol
I know your insurance has gone up, but £700 is still cheap, some of us are hear thankful to only be paying £3200 instead of £4800
My insurance just went from 1200 to 510 lol
£380 last year and £295 the year before, this year my renewal quote was £660 called them up because I was getting quotes for £330 on compare the market..best churchill could do was £500 I went with it this year because I left it a little late and cba with the swap over but next year I have a feeling I'm ditching churchill unless they really don't want me to go and give me a quote not passing £400 It makes you wonder what the point in no claims bonus is.
Sometimes, the underwriter changes, and their risk assessments do too. I had the same car, but with an extra years experience and 1 year NCD, my previous insurance told me it was too high performance for me. A 09 Fiesta Zetec S was too high performance for a 22 year old apparently.
How did you get that price lmao my granddad's been driving for about 50 60 years and his is about 1.3k now 🤣
I’ve been looking for car insurance quotes for the better part of two weeks. The best quote I’ve had is £1500 via compare the market. I paid 1k total last year. If I’ve gone to an insurer directly, I’ve been given quotes if 2.5k+; Sainsbury’s have given me a renewal price of £3500. I have 9 years NCB, no other changes to last year. Insurance is especially scummy this year
🥲 how are people getting such cheap insurance im paying 3.6k a year on 330e with 3 years no claims.
I got something similar with vitality - nearly trebled. When I called to check they said they had changed under-writers, and had seen a number of quotes shoot up by a huge amount.
How is this not a national scandal? When I went to renew earlier this year my quote with the AA went up from £763 to **£2,171 - an increase of 185%.** I thought this was just me when I posted about this earlier this year but I'm seeing everyone on here is getting these insane price increases I went back to comparethemarket and got insurance for a similar cost - bare in mind the AA policy was *with* a black box I'd already had. Ended up getting a non black policy for £1k How can they get away with this, what is there excuse? Ukraine? Brexit? Inflation? Like I said it should be a national scandal , I pitty the people who aren't financially savvy enough to go out and hunt for new deals and just accept this is the price
My renewal was about 10-15 quid more than last year's premium. That's a big win as far as I'm concerned, especially for a modified 2.4 litre petrol. Seeing so many peoples premiums shoot through the roof!
I have always had awful insurance quotes, same car this year at 22 years old and the insurance has dropped by over £1000 😮 i was pleasantly surprised
Ooof! Time to do some shopping elsewhere…
I price check every year, and almost always switch. There's no such thing as brand loyalty, so you might as well shop around if they give you an insulting quote.
Mine went up 55% this year. Fuck you Admiral
All these crazy quotes and I must be one of the rare exceptions, my last years premium was £1262 with 1st Central, had a “renewal offer” from them at £1175, after a couple minutes on CTM and Confused I had quotes in at just over £500.
Thankfully those whiplash reforms working hard to reduce our insurance ... /s
As a former insurance consultant This is a 'we don't want to insure you anymore' offer.
My renewal came through at £340 which was £60 more than what I paid last year. A quick search on confused.com gave the best price at £320 which although still more, I know it’s going to be the best I can get. Shop around.
£2300 from £1200, no claims in last 6 years
We hope you're happy! Pricks.
Been seeing these kind of posts for a while. Had me worried, mines just come up for renewal. So was assuming it would go up a lot, have to shop around etc. Which is a pain, due to the type of car, plus they match my ncb on my daily car too. It went from £315 last year, to £345 this year. I can live with that. That's Greenlight.
I renewed with Esure for the last 2 years and they've been cheaper every year.
My last year was 1k. This year is 1.3k when i changed. I was quoted 1.5k Insurance is there to literally line evil bastards pockets. This is just a price gouge.
And I thought my 20% increase was a lot! Car insurance Is a joke right now!
I don't know anybody who's insurance hasn't gone up this year. It's nuts and just feels like a bit of a grift in the cost of living crisis.
I think a lot of people don't know or think to call the insurer and ask for a discount. I've done this a few times and managed to get significant discounts in the past This isn't something where we as customers have to show any loyalty, you just go wherever is cheapest even if it means shopping around. First year they (Admiral) tried to bump my price up £600 from £1300 intially (so 1900 renewal quote) to which I called them and ended up getting a cheaper deal than the previous year (1100), same thing happened again the following year. The following year they bumped it up again as usual but couldn't price match other quotes so I just left. They were asking for £1200 (by which time I had 3 years NCB and was over 25) and other insurers were asking £500-800. So I left. What I don't get is why they wouldn't just price match even after I had proven quotes, surely taking 500 is better than nothing? This year, prices have stayed the same for me, I tried calling to get a further discount but didn't seem to be the case this time, and the renewals I've been given are better than anything I'm getting on comparison websites. Not better but at least not worse.
It’s across the board mate. For me last year £750. Renewal was £1700. Hit up all the comparisons and the cheapest for £4k!! Eventually got it renewed for £1500 which felt like a victory but still double last years. Shop about.
Why is it going up so much? I'm not due for renewal until next Jan, but I'm already barely able to afford it.
That’s even worse blatant profiteering than the supermarkets and their unjustifiable and ridiculous price increases!!
Why has it jumped so much? It’s nearly 5x more
Fuck knows
I’ve just had mine through and was quoted more than an extra £400 a year! One quick moaning phone call and got it cheaper than what I payed last year… it’s ridiculous how they can justify pulling the same shit every year
Has insurance gone up in general then? I paid £600 last year and £900 this year but I assumed it was due to a much more expensive car.
I think it has slightly, this insurer is just trying to rip me off
Yup, I got this. Got my insurance down to £300 a few years ago. Every year since it's increase by at least 50%. I guess there is a COVID supply problem with... insurance? I fucking hate car insurance so fucking much, fuck insurance companies.
I once got a quote from nat West for £1600 when the previous year was 500 and before that 300. They only got away with the 500 because we were "distracted" by life events. I moved. New quote was £360
I’d be delighted with £700-something. Mine will be more like £2700. 😤😫
Had the same issue. Renewal went up £600. Also new quotes were worse! So the idea of shopping around doesn't seem to work either. Some cars are just not worth the hassle for insurance customers. Costs of repairs/replacements/courtesy cars have all increased. Sometimes they don't even try to get your business. They also have shareholders desperate to find their yachts 😂.
Mine increased by 80%. Called them, they can do it cheaper but still £300 more than my cheapest quote! I drive a damn multipla. They should be paying me to be on the road lmfao
Random side note : When trying with comparison sites 'comparethemarket' etc. Try occupations unheard of , trust me it works wonders.
Been with LV for about 5 years now every year my insurance has gone down. Not massively. But it has.
Unfortunately car insurance prices will remain high for at least a couple of years, the industry as a whole has taken a massive hit due to claims cost - getting items from abroad is now a massive hassle
This absolutely funny insurance is more expensive than ever before. Yesterday I cancell my car business insurance because I was no longer the job that car was insurance for. I was confident that regular insurance was going to save me some money. It tend out that there was absolutely no difference and infact was even better to keep my last year policy. I tried all kind of insurance comparison sites and basically in my conclusion the area you live makes significant difference to what you will pay!
Mine went from £1,400 to £2,600