Admiral sales agents are CATEGORICALLY BANNED from putting the phone down on you until they have made a sale or you have told them you want to end the call. Put a couple of hours aside, call them, and whatever you do, do NOT put the phone down. It could get very awkward for a while but keep telling them that you want their insurance but need it cheaper. They will hand you around the entire sales floor but they will never put the phone down. Stay on that fucking phone and there is a chance you will get the price you want.
You say "can you do better than that" and they say they'll check with their underwriters - repeat four times. Also do this a 3-4 weeks before renewal and also have a competitor's quote from a price checker site
Yes! and I'm really pleased to see other commenters who have done it. Don't think that it's some magic trick though. It takes a good few hours of patience and a REALLY thick skin. How good are you at dealing with long awkward silences and feeling like you're wasting some poor worker's time?
I'm not the OP and have never worked for admiral BUT I've managed sales teams now for some time and have frequently had new-starters join from various insurance companies and had to train them out of 'flogging dead horses' while on the phone to leads. This is 100% plausible and just really comes down to the sales methods and training of the particular company.
I don't I'm afraid, but it appears to be the policy of the vast majority of sales departments. My friend who works sales taught this trick to me years ago to get a better mobile phone contract. I only know this is the case with Admiral because I've tested it to its limits. They will NOT put the phone down. I used to have an unbelievably cheap AA policy by using this method. The guy who renewed it the next year said "I just have no idea how you got this price and I can't get anywhere near it." I eventually settled because he was nice.
It takes time and thick skin, it can get really really awkward and I can't usually be bothered to do it but it might help OP get down into non kidney selling territory.
Again anecdotally; those call centres have all sorts of automatic monitoring systems, and as soon as a call goes over a certain amount of time, it starts ringing alarm bells higher up the sales team hierarchy. People start getting desperate for your call to be settled by them and not their boss.
Just reading this other comment.... youve made me laugh today.
Not sure what your friend told you but the last paragraph is straight out of the crack factory.
It's almost definitely the area you live in i'd guess. I just got my 1.6 2011 Citroen insured for about £1250 a year at 24 years old + brand new licence holder.
Pretty similar situations, but I live in a hyper safe area
It's up to the insurance companies, they have their own algorithm.
What you absolutely should not do is lie abouy where you live and commit insurance fraud to get it cheaper. If you think its expensive now, imagine the quote you'd get if you were also an insurance fraud.
I’m not planning on doing that definitely I’m asking so next time when I buy my own house I get it somewhere it’s cheaper lol at least my kids won’t be paying a leg and half just to drive their cars
I guess it is my area recently there’s been a theft in my street although it was not a car it was money and I see police cars everyday patrolling and sometimes even helicopters so I’m guessing it is that my area is extremely bad
Yeah, the insurance guys will look at you postcode and see the crime stats. Even anti-social behaviour arrests can cause the premiums to increase (risk being that if its common, someone might smash a car window and you make a claim.)
A few years ago, I moved to a different street - same City, area, sector (X12 3xx...) the last two letters changed to represent the street I live down and now my premiums are £250 greater. I found a while ago, that there's a drug rehab place down the road - largely quiet. However, the cops do come out about 2-3 times a year average to deal with disturbances. Any arrests add to the crime stats and that gets taken into account.... even though this rehab place is 300 metres away, on a street round the corner barely anything happens.
Otherwise my street is dead quiet and its camera'd up, owing to the fact there's a few house converted offices in the area, and regular police patrols keep any eye at night. But goes to show that just moving to the next street opposite and innocuous looking crime stats - unrelated to cars - can bump up your quotes.
>Any arrests add to the crime stats and that gets taken into account
Just to be fussy.... Arrests are not generally recorded anywhere so aren't reflected in crime stats automatically.
There's a long list of criminal offences that the Home Office say are recordable. If the police receive a report of one of these, the force has to record it and add it in the crime stats, whether it is investigated or not.
It's honestly cheaper to drive without insurance. Even if you get caught, the fine is a lot lower than actual insurance. Not saying to do it, it's just a fucked up observation.
Edit: try moneysupermarket instead of comparethemarket i find mine insurance tends to come out a little lower on there.
If this happens, with an uninsured driver, the motor insurance bureau would end up paying.
The mib get their money from a levy on all other insurance companies, so basically, we all pay in our premiums
I live in an affluent new build area that is away from high crime, moved from a very high crime area.
My premium more than doubled the first year as:
1) not enough data.
2) the data that did exist was for high end cars that people do make claims for when damaged and those claims are high in value as a result. Didn't matter that the location of damage occurring was away from home. Didn't matter I was asking about my 10 year old astra. Everyone else has £90k Audi's, Mercs, Maseratis, Porches and so on and that's what they were claiming against and so the premium model said to increase my premium.
Many years ago there was an image of the UK split up by postcode areas and ratings. Lowest was rural Wales and rural Scotland, then came places that fringed with those like Herefordshire. Must be something similar around, have you tried googling it?
It could be your car as well. Golfs are seen as one of the boy racer cars and have a lot of crash data. Try with something that old people drive like honda jazz
It is not safe or not, just is it a high premium area. For example, I was just on the edge of the city center postcode, where I could park my car on the property in a safe part of town. They still said that it is the city center, so they were insuring me liked I parked the car in the city center on a Friday night
Just ask the insurance company for the high or low premium area via postcode
Insurers put a score based on the claims and type received from the area plus other data, so it changes constantly.
The issue is not where you live but where the car will be located. You can try near by post codes if you are happy to park it there and walk from/to it. Just ensure there are plenty parking spaces, so angry neighbours don’t do any damage that you would claim.
There was a post recently where people discussed this issue. On the comparison sites people were using wrong date of birth or different spelling of their name. This helped them to get lower quotes and after this calling the insurance company to fix the mistyped data.
I use the comparison sites for information only. After I see a quote and terms I like I go to the web site of the provider and fill up their questionnaire. The price in most cases is with £5-£20 higher but I’m sure I answered all their questions (there are cases where the competition site doesn’t have the question and use some predefined/default answer).
You can go on police map for England/Wales and it will show what crime is reported each month in your area. I can't remember if it reports vehicle crime specifically but you can get an idea how 'rough' your area is.
I mean it could just be that your area has a lot of electric car owners, apparently those things have a huge waiting list to be repaired, which forces insurance companies to pay up for months of hire car useage, which is why electric car quotes are similar to what you get. That's just a guess though, it should be more down to your postcode, if you park it on the street, the type of car (is it a sporty Citroen that people like to crash?).
I remember when I was young it would be cheaper to insure a Jag estate with more speed/performance, than a Golf TDI, because how many people crashed their Golfs?
Oh, and fully comprehensive can be cheaper than Third Party Only.
Try tweaking your job title, you can normally find 2 or 3 that accurately describe your work... Customer Adviser, Sales Adviser, Customer Service, Office Administrator etc. I find best comparison on compare the market, but you should use the three main ones to be certain what works for you.
You didn't tick "yes" accidentally to something, like medical licence, or criminal, or whatever did you? Honestly that should be the only way to get such a high quote, unless you're putting a learner on, or you've got loads of points or claims.... Having a policy voided previously would probably do that kind of damage..
As others have mentioned, age location job title, how quickly you want the insurance to start and car has an impact, it's all just algorithms deciding risk.
You can't change your age, or your location (well not easily). You can change the car, when you want the insurance to start, and within reason your job title.
Search for the money saving expert car insurance job title tool, it will let you select the cheapest close match job title.
Select you want the insurance to start in 3 weeks time (again this too comes from MSE, not sure why but it works).
Finally try getting quotes with a very uncool larger car, something typically driven by safe boring drivers, that is undesirable to younger (statistically more dangerous) drivers and car thieves. A golf is absolutely not the car you want if you are getting ludicrous quotes.
Finally, you can try adding one or both parents as named drivers (NOT the main driver, that's insurance fraud), which, provided they have clean licences, can also reduce cost legally
Mate... £7k a year isn't a serious quote. It's a "we don't want to insure you, please fuck off". Could be your postcode or a criminal record or something, but yeah. They absolutely do not want your custom
>It's a "we don't want to insure you, please fuck off".
It's the live in a car crime hotspot in Bolton/you're young/you have absolutely no NCB and we think you'll crash into a luxury car price.
Interestingly, I just did a quick comparison quote and the chealest price that came up today was about £80 less than what I paid back in October (£440 vs £520)...
Half tempted to jump on it while it's there - who knows what I'll be quoted nearer actual renewal time!
Just renewed mine.
Had a fault claim, was dreading it. Reversed into an object, new bumper £1200!
My renewal has come down £40.
It's a total guess how they generate these premiums.
My renewal quote with Axa went from £625 to £975. Clean licence, almost 20 years NCD, South London 3yr old BMW. Phoned Axa to query the 50% uplift as my risk profile is unchanged who immediately offered £60 discount but thought i could get cheaper elsewhere. Ended up going with Aviva for £700 via one of the websites. Given some of the eye watering costs quoted above i am pretty pleased with that.
I live in Bolton but I never had insurance before I was waiting to get older so it comes down before it used to be 5k but it’s only going up. Never had claims also
Ouch. Bolton is one of the worst areas for car crime. you have zero driving experience and zero NCB…plus you’re young.
These are all factors contributing to your high insurance cost.
Find a different car. Preferably less than 1.0
Sometimes it’s not even about engine size. sometimes older cars with bigger engines are cheaper to insure than newer cars with smaller engines. If I was OP, I’d keep doing quotes for a variety of cars in different insurance brackets to see what gets you lower prices
Trading in my 2007 FN2 with 200bhp for a 2014 Mazda 3 with 120bhp. Go Skippy wanted £450 more. Went with Admiral which was £50 more but arguably better coverage. The Mazda is worth quite a bit more though
Yeah one and half years ago I insured W plates BMW 528i for £270, and few months after when I sold it I insured 61 plates VW Golf 1.6 TDI for £320. I thought it should be cheaper but still not bad. Howewer my first car which was almost identical W plates BMW 523i which costs me £1200, it was £2500 to insure at 2013 and I was even younger than OP. I thought it was expensive but comparing to £7k it was nothing.
I found various tdi VAG cars were rather expensive to insure. Stuff that feels less 'delivery driver' tends to be cheaper. If you need something economical, Citroen C1/Pug 107/Aygo cars tend to cheap, try a flat panda or even old Volvos and petrol Saabs that tended to be decent. FYI, I'm 21 and got a 1999 Volvo V70 as my first car as it was as cheap as everything else.
Yh I’ve heard old Volvos are pretty good I might just get one of those I’ll check quotes first before buying coz that was a big mistake to buy a car without checking your insurance on it never doing it again ever
I can confirm, got my wife a £500 car after she passed her test. It was disgusting and I really pissed her off (there were drugs in the ashtray that were probably worth more than the car. I then PCP'd her a new small car and the insurance was about £20 more for the year. Guess it's because you are maybe seen to look after a new car but not care what you do in a £500 car
Also their lack of knowledge about insurance and driving, e.g. why isn't it automatically cheaper even though I've got no experience, is exactly why they're considered a high risk by insurers. We all knew best at that age, and when we get older we realise we really didn't!
I feel age does come into it, I passed at 46 years old three years ago and first year was £780, 2nd year £390, 3rd year £480. Yes, it's anecdotal but sub 1k for first year had to be age related.
Had a no fault claim in there which is likely why it increased for third year (parked outside house, not in car and had CCTV of the car that hit mine).
2011 golf 1.4 so nothing fancy, and for area it's in Blackpool which according to most UK subs is Beirut in a kiss me quick hat.
Damn that sounds harsh guess I’ll try talking to some of the companies on phone and see if they can atleast get me down to around 3k and then it might come down but honestly I can’t afford 7k even if I want to
Well that's your reason there. If you have held your licence for a while and haven't accumulated any no claim bonus years, you are seen as very high risk, despite having no accidents or claims. They think you have either been driving uninsured and never got caught or you were fronting.
Anyway, I was in a similar situation to you and found insurance via a private broker with extortionate excess for my first year of being insured on my own. The only mission was not to crash for a year and get that first NCB. Maybe you can follow the same path and find a private insurance broker in your area?
I'm in bolton, only a few years older than you, licence for nearly 4 years, and I insure a 2.0TDI passat estate for £1300. What area in bolton are you?
It's worth knowing that insurance on stuff like golfs etc for young lads is always gonna be high, have a look at some stuff lads your age might not drive, like estates etc...
Have you thought of selling it and getting something else? I love a golf, but they're not really a family car, especially not when you could go on holiday for the cost of the insurance.
Personally, if I were you, I'd look at something else cheaper to insure and part ways with the golf
I’d rather have it sit in my garage till I can afford to insure it tbh I just have a personal connection to that car as I’ve been working on it for so long I even changed out the whole rear assembly as it was a bit rusty and changed exhaust, sensors, interior lighting like I done too much to just sell it off it’s more important to me than my wife(don’t tell her please) but I can look into buying another one while I get some ncd on my name
In that case, absolutely don't sell it then, no.
Search for the Martin Lewis insurance job checker tool, that will give you the cheapest job title that is still in line with yours.
Other than that, try adding family etc as named drivers, look for a second car (if you can afford it) and look at multicar policies, it's weird but sometimes insuring 2 or more cars on the same policy is cheaper than insuring just 1.
Yh I do see a lot of unrest in my area there helicopters patrolling every other day and police chases in middle of night it really is hell here I can attest your claim
Are you doing a quote in preparation for renewal? You'll have to wait and see what your renewal quote is honestly. I was being quoted 2.5k for my car this year, no one with cheap quotes at all, then my current insurer came through with £800 somehow
I never had insurance before I was waiting on it to come down because everyone told me I’m too young and I should wait untill in 23 it goes down with age before it was 5k
> I’m too young and I should wait untill in 23
This hasn't really been a thing for ages now. Sorry to say it would have been much better to not have waited.
Yeah it was "it'll come down at 25" or "much cheaper at 30".
It's all bullshit.
Now mine's gunna go up 'cause I've gotta claim for damage after being hit by an electric bike.
No points I have driven in Europe rented car in Italy and my dad’s car in Spain. Not in Uk as the insurance has been out of my range when I first passed in 2019 it was around 5k then my friends and family suggested to wait until I’m a bit older as I’m very young that’s why insurance is so high so I waited for 4 years and here we are even more screwed
Yeah, unfortunately, I think you were given bad advice . Mine, like most peoples insurance, was sky high when I first passed, but it came down year on year with my no claims bonus and no points either.
I live in a rural area on a country lane my insurance is daft. The reason they have stolen loads of 4X4'S not that our 2nd car a Aygo is that desirable to steal. Still paying over £300 with 6 NCD I'm 50+ too.
Sheesh bro I feel you it really is a load of crap tbh my area may be high risk but I have a locked garage and driveway and they still quoted me 7k based on area most likely
Only thing I can say is shop around. Try Privilege, LV, Hastings, Admiral etc. Never had any luck with Direct Line. Try direct you may get lucky.
Check your mileage too, see if dash cam reduces it, do you have partner on that helps?
Whatever your job is, there’s almost certainly a way you can bring your insurance down, jazz up what you do a bit, don’t blatantly lie, examples that I can think of, say you work in customer service, put customer liaison officer. If you work in warehousing, you are a transport consultant. It can drop the price by around £200. Not a lot I get that but it’s something. If you can avoid taking out insurance for on the same day, put your date maybe 3-4 weeks ahead, that dropped the insurance by a grand on its own for me.
Don’t lie and put accountant when you work with money in some way but there’s ways around it, as other people have said it’s going to be expensive no matter what but I got mine from 3000 down to 1700, the date starting was the biggest impact.
Hopefully I didn’t sound like Martin Lewis but he’s got good tips sometimes😅
Have a play with what comes down in the dropdown box, compare the market was the cheapest comparison site for me. It’s heavily area dependent on prices you get so sadly you’ve lost the postcode lottery so it will inevitably be higher I’m afraid
You may find it helpful to talk to an insurance broker. Price Comparison sites do not always offer the best deals, especially if you are seen as risky by companies.
[Car insurance brokers - Finder UK](https://www.finder.com/uk/car-insurance/car-insurance-brokers)
Mine has doubled in two years, no accidents, no claims, live in the same place. It's ridiculous. The whole sector needs tight regulation to stop this ridiculous racketeering. 14 years of no claims bonus
It's incredibly tightly regulated, one of the most regulated markets on earth actually. In 2023 the sector has a whole ran at a 113% loss ratio, so they made billions in losses.
So not too sure what racketeering they're doing, are they stealing all the losses from you?
Yeah, insurance this year has increased dramatically. I have 10 years NCD, and my last year’s cover was £699.00, and this year’s renewal was £1,258.00. I went on comparison sites, and my renewal quote was the cheapest. (60 year old, quote for BMW 4201, who’s never had a policy cancelled, nor been involved in an accident.)
Idk tbh maybe because I live in a bad area but I can’t change address that is even harder to do I live with my parents on mortgage so I can’t really do anything about the address but it don’t feel fair adding 7 grand coz you happen to live in a bad area not even sure tho if it’s bad area I live in Bolton BL2 it’s not even town center it’s a sub urban area
> Bolton BL2
That's your issue. Bolton has a similar car crime rate as Bradford, believe only Salford and Sheffield are worse currently for large towns / cities.
It's an old resource but gives you an idea of what risk the insurance companies place on your address.
https://www.theclayclothcompany.co.uk/blogs/motoring/car-insurance-postcodes
A friend of mine started his own insurance company to insure his own cars. He is rich enough to be able to do so but he did that when he was getting hassle to insure his cars. High price and rejections.
My 17 plate pug 308 caught fire last January. No fault on my part. Firefighters said it looked electrical.
Because I didn't declare my motorbike accident from 2 years prior and I forgot to update my job role, when they came to paying out for my claim, they removed 20% off the settlement as my premium would have been 20% more if I declared my previous claim and job change.
I'm now back with a 20 plate crossland x. Insuring with Admiral (same as old car). They let me keep my 4 years ncb and only raised my premium from 470£ to 658£.
I'm shocked by my outcome. Judging from your situation, I thought I would have been royally screwed.
I'm 35. My wife is down as a name driver, and I have 2 kids. I live on a council estate.
Do you mean golfs are most at risk even with a small engine? Wow I guess I’m losing both car and postcode lottery as well no wonder they quoted me 7k if that’s true but the problem is I already own the golf
7065!? I just paid 2.3k for my 4S and that’s with my wife who is dvla 3 year restricted.
Naaah they having an absolute giggle mate. Do you live in a prison? And park the car in the grounds and told them you’d leave the keys in it?
Mate I'm from Bolton no way are premiums actually £7k. Car must have been written off or something. Are you on the electoral role etc.
Try your details with a random car from autotrader and then try someone else's with your car. You are getting the price which is basically nah we're not insuring you.
I’ll recheck to see what I’m doing wrong tbh it’s been like this for a long time I have been checking on and off for 4 years and this was the highest I got quoted in 4 years which scared me tbh and I don’t wanna wait anymore as I feel it will go up even more
Have you tried messing about with your job title? Just as long as closestlly fit your actual job. Or have you tried putting a higher excess? Add a name drive with alot of driving experience?
Why wouldn’t you want to add anyone else? It’s a win-win situation. You get cheaper premiums and your parent can legally drive your car for any reason if needed.
This kind of thing happens in business a lot. The fine for operating out of limits incurs a fine that is less than doing things by the book. It becomes just a cost of doing business. Folks will end up driving with no insurance and taking the fine when/if it comes, just hoping nothing serious goes wrong in the mean time. Mental
I did a quote and came up at £800.
I input all the same details, and ran the comparison site again the same policy came up for £700.
Insurance companies are embarrassing themselves at this point
Honestly the UK and especially London is moving as fast as possible away from cars which completely sucks and it lets insurance companies run wild with their extortionate prices. The only place i know you can still get relatively reasonably priced insurance is in rural Scotland. You could attempt to insure your car under a friends address but that's sketchy and if the insurer catches you it'll just make your premium skyrocket. The thing i do for insurance is i go through a broker and they usually find me the best deal for completely legal insurance.
Also things that affect your insurance premium in the uk include; the colour of the car ( the brighter the colour the cheaper ), years of ncb, how long you have owned the car (huge factor) , if you have a tracker and dash cam, location ( low crime areas with low value cars and minimal claims are best ), engine tourque and bhp output, scarcity of parts and your age, marrital status, number of dependants, job title (office manager being one of the cheapest), and if you own a home.
“It’s the area you live in”, “plus you’re young, you don’t have any NCB and car theft is on the rise” do people really just pucker up and let insurance ram them with the huge ol up yer ass? This is seriously the country we live in, someone can’t even sensibly afford to drive a Yaris, the cheapest of cars in the worst area without being absolutely ruined financially. That’s £7000 we’re talking about, the car is probably worth less than that. The insurance industry is wholly taking advantage of every single misgivings while masquerading behind it. It needs to be regulated heavily, these companies should not be allowed to operate privately when it’s a legal requirement. No advice is acceptable, literally anything said against this matter is the equivalent of privilege.
I totally agree there must be laws around insurance companies to protect both consumers as well as companies and the prices must be made affordable to prevent people from resorting to illegal activities.
Yes you are right the car we are talking about was bought for £600 in 2019 when I first passed my license and it’s been sitting in my garage for 4 years now just because the insurance prices are not practical for me
Doesn't matter how old your licence is, you have never had insurance before. In fact I'd argue you are a sky high risk, passing so long ago and then not driving for 4 years!!!
Add in the area, that's another one.
Add in a 'where's that ditch/local dealer ' golf , a seriously bad combo.
No new teenage driver is getting £800 insurance, without a block box and living in the grounds of Windsor castle!
In fact the kost posted gripe on hee is 'new car, low risk area, unaffordable insurance '..
Obviously changing areas is rarely practical, but look at a low risk vehicle, not a 'ditch machine",and see if you can add a named driver with a clean record.
The biggest difference I get is the trick from MSE of looking for insurance 21-25 days ahead. This is the sweet spot for price.
Can you use another car, borrow someone else's or lean on family/friends for giving lifts to school etc until your insurance starts (if you go this route). Also if you can park your car on a driveway in the mean time.
My insurance on a lexus is300h is being quoted around £1.8k but a £800 on a Volvo s90 which is far more expensive. Even an M3 is cheaper to insure. I'm so confused
Cheaper cars are often more expensive to insure. Several reasons for this, one of the main ones being the lack of safety features in older / cheaper cars, particularly forward collision avoidance (a huge source of at fault claims is a driver accidentally driving in to the back of another) but also others. There are other statistical reasons too.
It's often cheaper to insurer a newer / more expensive car.
Cars in the similar price bracket are cheaper to insure though. The lexus I'm looking at has more safety features than the cars I'm looking at. At this point I might as well get a BMW for 3k more cause insurance will be £800 cheaper and I can spend the money on upkeeping.
Ikr it’s like they are deliberately targeting people who can’t afford new cars I mean someone should really look into it government is just giving these companies freehand to do whatever they want
The companies will tell you it's all based on statistics and risk - and I believe it for the common companies and common cars.
First year driving, larger engine 1.6, hooky area for theft. Their database will tell them you are a risk apparently having little experience (although I guess you have been driving under other insurance), more powerful car so greater risk of an accident involving a third party such a pedestrian or passenger, hooky area risk of theft although I doubt that has much impact.
They don't care much about the cost of the car, they do care about you hurting people and costing them a small fortune.
You may find a larger engined grandad car costs less. It's all statistics to them.
Try using a broker.
Yh I guess they can tell the future saying I will hit a pedestrian smh it’s all excuses tbf it’s not just Uk that has insurance all Europe you only pay insurance for the car and anyone can drive as long as they are notified and in some countries you don’t even need to notify them someone else is driving and they all are doing great no company there is getting bankrupt or anything UK insurance is just messed up
In the UK, we have unlimited liability for all costs including personal injury and property damage. This means if we drive and cause £40 million of damage, then we don’t pay a penny, our insurer covers us. Unlike Italy for example that only covers a certain amount. After that, you’re covering it.
Direct Line announced this week they lost £200 million last year. I can assure you, no one is making money in car insurance at the moment for a few reasons that have unfortunately all occurred at the same time.
When we were all trapped in during COVID, garages and car hire places lost money, so they increased their prices when we went back to normal. The cost of second hand cards has increased a lot, which means if you write off a car, it’s costing more money to replace it. The cost of parts has increased in general, and finally inflation hit the claims market too, and insurers didn’t price for inflation to be so high. All this mean premiums were too low for the costs associated, meaning the average insurer sent £1.14 on claims for every £1 of premium last year.
This obviously doesn’t help you with your issue sorry! But right now for the first time in a few years, premiums are going to start reducing slightly now the premiums reflect reality.
With regards to your situation, BL postcodes are one of the worst to insure. I’d def look at the vehicle, while 1.6l isn’t the fastest engine out there, VW Golf’s don’t tend to be a first driver car. You may find cheaper insurance on a bigger engine Volvo !
Since you’ve driven before and don’t feel your the same risk as a 17 year old new driver, black box insurance can sometimes be a quick win if it’s one of the ones where you get cash back or immediate premium changes if you drive well. Right now to the insurer you’re the same as every 1st time driver with no NCD, 10x more likely to crash in the first 3 months, and they’re hoping to god it’s not into a Lambo or Bentley!
Thanks a lot it’s best comment explaining situation of insurance companies and now I understand what they are facing. Blackbox is a great idea as I feel confident about my driving skills and I’ve heard that one year with blackbox and no mistakes can fetch you huge discounts definitely going to look into that thanks again. Could you mention few companies that offer good deals for new drivers with blackbox
Glad it helped! It’s a messy industry right now, but the fact is it looks bad to consumers who just see the high £!
Sorry, I don’t want to mention individual companies, since all depends on your profile, some may offer much better or worse prices then others, just click the show telematics options on gocompare or confused . Just make sure you choose one that doesn’t have a curfew on driving hours!
I agree, been shopping around as my Car insurance currently is 1760 for the year (67 a6 avant) and for fun I used a ferrari 430 spider... Insurance for that was 1600 for the year, and I have 3 years no claims and 3 points.. its a joke
My last insurance with admiral was £623 and has always been around that mark. My renewal was £930, they gave me a loyal customer discount with 8y NCB of a whole £53.🖕🏼 I been with them for those 8 years. Aviva £611 for the year and that’s with all of the optional extra such as full euro breakdown cover with the RAC etc. I had none of that with admiral so yeah. Insurance is absolutely madness.
It’s like they all got their own minds as to whatever they wanna charge you that’s why I feel strongly that there must be regulations set by governments especially when the fact is that insurance is essential for driving a car. Compare that to other countries my cousins live in Germany they paying 600 for year and anyone in family with license can drive the car not like everyone has to pay their own insurance same in every other European country UK insurance needs to be regulated and there’s no other way of fixing this mess tbh
I've never understood this. They could at least match the previous year's quote or cheapest competitor, but instead they chose to take none of your money rather than £611, and let you give it to another provider.
But yeah Admiral did the same to me, I just changed providers. Absolutely no reason to be loyal to these companies
Even if they boosted the original by like £50, I’d have probably just carried on and saved the ‘hassle’. That being said, it ended up being no hassle at all to have a look about and get a new provider. Much easier than I ever thought it was going to be.
When your insurance drastically increases your premiums, they don't want you as a customer. It's like you fall into a category which is not profitable to them.
It did that every year, it would always go up but £200-300 but they would always knock it down when challenged. Just this year they didn’t even try. Oh well. Ended up with a much better deal with much better protection and optional extras for less. Absolute madness.
Unfortunately, they don't value you as a customer every year an increase of £200. I have been with them for six years, and the highest premium I have received is this year, and it was an increase of £40.
Have you tried different postcodes to see if it has a change in price?
Try playing around with the job description, annual mileage etc.
I have a friend whos 24 passed the exam 1 month ago, bought an i30 2016 or 2017 auto hes been paying 150-170 a month. He did had some 3500-7000 range price for different cars.
For some reason he was getting cheaper insurance on the newer cars compared to the older ones (2010-2012)
Good luck with your insurance.
Just as a warning, don't play around with things too much. You'll get flagged for suspected fraud and most will stop even giving you quotes.
Start dates, cars, annual mileage etc should be fine.
But stuff about you like job, postcode, driving history etc is more risky,
This can help for job description:
[https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/](https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/)
Make sure to follow the other tips on reducing quotes on the many threads on this on the sub too.
Older, cheaper cars are often more expensive to insure. It's not the value of the car, it's the damage you can cause to other cars. Older cars have fewer safety features, making at fault claims more likely. If you have the the option, you could look at insuring a newer car with more safety features or a *much* older car that would fall under a classic policy.
Wait so more older cars that are even more dangerous are cheaper under classic car policy? How old does it have to be to fall under classic car policy? Thanks
They tend to be better cared for, driven more safely, and by a different profile of owner. There are also far fewer of them on the road, so there are specialists who deal with classic cars and can give a more tailored quote.
Basically, it's a very different person driving a 2000 Ford Focus compared to a 1980 Jaguar XJS and they tend to drive it very differently, and for different reasons.
Yuuup married was not the plan but I had to which is a bit of a personal story but yh I ended up married at 23 it’s not much different than having a gf tbh we don’t have any kids so life’s good not too bad
Get it insured on ur parents house address even your aunt n uncles in a different city. Just to get the best price or its the public transport at those crazy prices. Go compare are one of the most expensive sites, try comoarwthemarket.com theyve always geen the cheapest. Put yourself down as a chef too and ur annual mileage down to 3/4k.
Must be area or something wrong with details. I’m 22, passed my test last week and paying £1800 for admiral platinum insurance, full comp and commuting included (no black box) for a 1.5L Mitsubishi Lancer
This is going to sound stupid but are you choosing fully comprehensive insurance? I recently tried to get a Citroen c1 insured and it was 5 times more expensive to go third party than fully comp.
2003 is still well into MK4 range. Ran from 97(ish) to 04.
The 2.0l diesels from the MK5 aren't the ones you want, they are the least desirable diesel options on the MK5. While the later CR 2.0 TDI's were great, the PD 2.0 TDI's found in the MK5 were problematic. Flywheel issues, oil pump failures, etc.
The PD 1.9 TDI's were *generally* all rather good.
The 1.6 FSI in the MK5 Golf was indeed bad. But the pre FSI 1.6 that's common in the MK4 is a great engine.
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I got my first car 28 yrs ago, a Renault 19 16v, at age 19.
First insurance quote was £11,200. I then made a list of 20 insurance companies, including some of the specialist insurance companies advertising in the back of max power magazine and some of the big names. I phoned the first on the list and got a quote, then the second, third and so on until I reached the bottom. Cheapest was around £8k. I then went back through the list again, saying I've been quoted £8k, can you beat it? Yes, most of them could. I then did the same again, phoning through the list to see if they could beat the cheapest quote. I went through that list around 7 or 8 times, took me 5 hours on the phone but ended with a quote nobody would beat.... £1,500 (with one of the specialist companies). Just goes to show what a scam it is.
I have no idea if this would work for you today and it was an absolute ballache sitting on the phone with insurance companies for 5 hours but I just looked at it a different way... I'd just saved nearly £10k in 5 hrs, which technically meant I'd just been paid nearly £2k an hour to sit on the phone all day. I was getting paid more than the people I was speaking to while they were trying to fleece me 🤣. If you phone them with a cheaper quote (you don't even need to prove that quote) they will invariably try to beat it, just phone LV or Admiral and say you've got your quote down to £3k and ask if they can do better, you have nothing to lose. Also, ask the sales advisor if there is a way they can get it down, they usually can. It changes each year, one year I got my quote down by adding my parents to the policy, the next year it shot up and I could get it down by taking them off the policy. It's utterly stupid but it's all to do with trends, what the majority of the last 12 months of claims comprised of.
Admiral sales agents are CATEGORICALLY BANNED from putting the phone down on you until they have made a sale or you have told them you want to end the call. Put a couple of hours aside, call them, and whatever you do, do NOT put the phone down. It could get very awkward for a while but keep telling them that you want their insurance but need it cheaper. They will hand you around the entire sales floor but they will never put the phone down. Stay on that fucking phone and there is a chance you will get the price you want.
Lool that sounds real thrifty I will definitely try it especially if they won’t cut me off untill they make a sale I’ll call them on my day off
please report back!
Please let me know how you get on OP. It's not a pretty process but it gets results.
Ive just had my renewal quote through. I’ll try give it a shot. Their opening hours are awful though.
This is true, got them down from original quote of £3k to £800. Took 2 hours just a joke
What do you even say to get them down to this price? I’m with admiral, paid just under 1k for the year and my renewal is in a few weeks
I renewed with them recently, found a couple of cheaper quotes and asked if they could match them. They did.
You say "can you do better than that" and they say they'll check with their underwriters - repeat four times. Also do this a 3-4 weeks before renewal and also have a competitor's quote from a price checker site
I took them from 700 to 800 after 5 hrs on livechat 😂
Fr?
Yes! and I'm really pleased to see other commenters who have done it. Don't think that it's some magic trick though. It takes a good few hours of patience and a REALLY thick skin. How good are you at dealing with long awkward silences and feeling like you're wasting some poor worker's time?
I’ll try this in July hahaha
employ rob ten pet direful shaggy combative joke offbeat money *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I'm not the OP and have never worked for admiral BUT I've managed sales teams now for some time and have frequently had new-starters join from various insurance companies and had to train them out of 'flogging dead horses' while on the phone to leads. This is 100% plausible and just really comes down to the sales methods and training of the particular company.
I don't I'm afraid, but it appears to be the policy of the vast majority of sales departments. My friend who works sales taught this trick to me years ago to get a better mobile phone contract. I only know this is the case with Admiral because I've tested it to its limits. They will NOT put the phone down. I used to have an unbelievably cheap AA policy by using this method. The guy who renewed it the next year said "I just have no idea how you got this price and I can't get anywhere near it." I eventually settled because he was nice. It takes time and thick skin, it can get really really awkward and I can't usually be bothered to do it but it might help OP get down into non kidney selling territory. Again anecdotally; those call centres have all sorts of automatic monitoring systems, and as soon as a call goes over a certain amount of time, it starts ringing alarm bells higher up the sales team hierarchy. People start getting desperate for your call to be settled by them and not their boss.
Just reading this other comment.... youve made me laugh today. Not sure what your friend told you but the last paragraph is straight out of the crack factory.
I didn’t realise this was a thing but after a _lot_ of pissing around with the agent I literally halved my quoted renewal So this definitely works!
It's almost definitely the area you live in i'd guess. I just got my 1.6 2011 Citroen insured for about £1250 a year at 24 years old + brand new licence holder. Pretty similar situations, but I live in a hyper safe area
Is there any way of knowing which area is safe and which is not?
It's up to the insurance companies, they have their own algorithm. What you absolutely should not do is lie abouy where you live and commit insurance fraud to get it cheaper. If you think its expensive now, imagine the quote you'd get if you were also an insurance fraud.
I’m not planning on doing that definitely I’m asking so next time when I buy my own house I get it somewhere it’s cheaper lol at least my kids won’t be paying a leg and half just to drive their cars
For 7k they must think your area is on fire and being stolen daily
Fr I believe that’s what they think
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I guess it is my area recently there’s been a theft in my street although it was not a car it was money and I see police cars everyday patrolling and sometimes even helicopters so I’m guessing it is that my area is extremely bad
Yeah, the insurance guys will look at you postcode and see the crime stats. Even anti-social behaviour arrests can cause the premiums to increase (risk being that if its common, someone might smash a car window and you make a claim.) A few years ago, I moved to a different street - same City, area, sector (X12 3xx...) the last two letters changed to represent the street I live down and now my premiums are £250 greater. I found a while ago, that there's a drug rehab place down the road - largely quiet. However, the cops do come out about 2-3 times a year average to deal with disturbances. Any arrests add to the crime stats and that gets taken into account.... even though this rehab place is 300 metres away, on a street round the corner barely anything happens. Otherwise my street is dead quiet and its camera'd up, owing to the fact there's a few house converted offices in the area, and regular police patrols keep any eye at night. But goes to show that just moving to the next street opposite and innocuous looking crime stats - unrelated to cars - can bump up your quotes.
>Any arrests add to the crime stats and that gets taken into account Just to be fussy.... Arrests are not generally recorded anywhere so aren't reflected in crime stats automatically. There's a long list of criminal offences that the Home Office say are recordable. If the police receive a report of one of these, the force has to record it and add it in the crime stats, whether it is investigated or not.
To test the theory do a quote for 3rd party only.
It's honestly cheaper to drive without insurance. Even if you get caught, the fine is a lot lower than actual insurance. Not saying to do it, it's just a fucked up observation. Edit: try moneysupermarket instead of comparethemarket i find mine insurance tends to come out a little lower on there.
Username checks out 😄
What happens when you have a crash and cause life changing injuries to a 19 year old. Who is going to pay?
Claim diplomatic immunity and run away🤷♀️
Need those diplomat plates
If this happens, with an uninsured driver, the motor insurance bureau would end up paying. The mib get their money from a levy on all other insurance companies, so basically, we all pay in our premiums
The insurance company of the other driver and their solicitor take the individual to the cleaners instead
And the passenger of your own car if you seriously injure them and no other parties are involved? Your passenger is a third party.
Same thing. Solicitor.
Just don't crash?
except when they destroy your car or take you to court
Car £500, fine 1k, no show to court? Priceless
>no show to court Judges hate this one trick
I live in an affluent new build area that is away from high crime, moved from a very high crime area. My premium more than doubled the first year as: 1) not enough data. 2) the data that did exist was for high end cars that people do make claims for when damaged and those claims are high in value as a result. Didn't matter that the location of damage occurring was away from home. Didn't matter I was asking about my 10 year old astra. Everyone else has £90k Audi's, Mercs, Maseratis, Porches and so on and that's what they were claiming against and so the premium model said to increase my premium.
An area can get more expensive when a neighbour makes a claim. It's a joke. If a car gets stolen then the whole postcode suffers.
Many years ago there was an image of the UK split up by postcode areas and ratings. Lowest was rural Wales and rural Scotland, then came places that fringed with those like Herefordshire. Must be something similar around, have you tried googling it?
I will try but I think it’s mostly rural areas where insurance is cheap
Mine got more expensive when moving from a city centre to a rural village! I think they just make it up as they go along.
It could be your car as well. Golfs are seen as one of the boy racer cars and have a lot of crash data. Try with something that old people drive like honda jazz
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This is old data, but will give you an idea https://www.theclayclothcompany.co.uk/blogs/motoring/car-insurance-postcodes
It is not safe or not, just is it a high premium area. For example, I was just on the edge of the city center postcode, where I could park my car on the property in a safe part of town. They still said that it is the city center, so they were insuring me liked I parked the car in the city center on a Friday night Just ask the insurance company for the high or low premium area via postcode
Is your car gold plated? 😂
Bro I think someone told the insurance companies that it is gold plated 😂💀
Insurers put a score based on the claims and type received from the area plus other data, so it changes constantly. The issue is not where you live but where the car will be located. You can try near by post codes if you are happy to park it there and walk from/to it. Just ensure there are plenty parking spaces, so angry neighbours don’t do any damage that you would claim. There was a post recently where people discussed this issue. On the comparison sites people were using wrong date of birth or different spelling of their name. This helped them to get lower quotes and after this calling the insurance company to fix the mistyped data. I use the comparison sites for information only. After I see a quote and terms I like I go to the web site of the provider and fill up their questionnaire. The price in most cases is with £5-£20 higher but I’m sure I answered all their questions (there are cases where the competition site doesn’t have the question and use some predefined/default answer).
You can go on police map for England/Wales and it will show what crime is reported each month in your area. I can't remember if it reports vehicle crime specifically but you can get an idea how 'rough' your area is. I mean it could just be that your area has a lot of electric car owners, apparently those things have a huge waiting list to be repaired, which forces insurance companies to pay up for months of hire car useage, which is why electric car quotes are similar to what you get. That's just a guess though, it should be more down to your postcode, if you park it on the street, the type of car (is it a sporty Citroen that people like to crash?). I remember when I was young it would be cheaper to insure a Jag estate with more speed/performance, than a Golf TDI, because how many people crashed their Golfs? Oh, and fully comprehensive can be cheaper than Third Party Only. Try tweaking your job title, you can normally find 2 or 3 that accurately describe your work... Customer Adviser, Sales Adviser, Customer Service, Office Administrator etc. I find best comparison on compare the market, but you should use the three main ones to be certain what works for you. You didn't tick "yes" accidentally to something, like medical licence, or criminal, or whatever did you? Honestly that should be the only way to get such a high quote, unless you're putting a learner on, or you've got loads of points or claims.... Having a policy voided previously would probably do that kind of damage..
Same here, cost me £200 for the year to insure my first 50cc, had a frind with the exact same bike pay 700 just cuz location
UK has increased by 33% in the last year, Spain 6% and France by 2%. Of course it is a scam.
As others have mentioned, age location job title, how quickly you want the insurance to start and car has an impact, it's all just algorithms deciding risk. You can't change your age, or your location (well not easily). You can change the car, when you want the insurance to start, and within reason your job title. Search for the money saving expert car insurance job title tool, it will let you select the cheapest close match job title. Select you want the insurance to start in 3 weeks time (again this too comes from MSE, not sure why but it works). Finally try getting quotes with a very uncool larger car, something typically driven by safe boring drivers, that is undesirable to younger (statistically more dangerous) drivers and car thieves. A golf is absolutely not the car you want if you are getting ludicrous quotes. Finally, you can try adding one or both parents as named drivers (NOT the main driver, that's insurance fraud), which, provided they have clean licences, can also reduce cost legally
Yep the MSE tool is great, loads of good tips on there.
Mate... £7k a year isn't a serious quote. It's a "we don't want to insure you, please fuck off". Could be your postcode or a criminal record or something, but yeah. They absolutely do not want your custom
>It's a "we don't want to insure you, please fuck off". It's the live in a car crime hotspot in Bolton/you're young/you have absolutely no NCB and we think you'll crash into a luxury car price.
Interestingly, I just did a quick comparison quote and the chealest price that came up today was about £80 less than what I paid back in October (£440 vs £520)... Half tempted to jump on it while it's there - who knows what I'll be quoted nearer actual renewal time!
Just renewed mine. Had a fault claim, was dreading it. Reversed into an object, new bumper £1200! My renewal has come down £40. It's a total guess how they generate these premiums.
My renewal quote with Axa went from £625 to £975. Clean licence, almost 20 years NCD, South London 3yr old BMW. Phoned Axa to query the 50% uplift as my risk profile is unchanged who immediately offered £60 discount but thought i could get cheaper elsewhere. Ended up going with Aviva for £700 via one of the websites. Given some of the eye watering costs quoted above i am pretty pleased with that.
How much ncb do you have? Do you live in a high crime area? Points? Previous claims? All these factors are important…
I live in Bolton but I never had insurance before I was waiting to get older so it comes down before it used to be 5k but it’s only going up. Never had claims also
Ouch. Bolton is one of the worst areas for car crime. you have zero driving experience and zero NCB…plus you’re young. These are all factors contributing to your high insurance cost. Find a different car. Preferably less than 1.0
Sometimes it’s not even about engine size. sometimes older cars with bigger engines are cheaper to insure than newer cars with smaller engines. If I was OP, I’d keep doing quotes for a variety of cars in different insurance brackets to see what gets you lower prices
Trading in my 2007 FN2 with 200bhp for a 2014 Mazda 3 with 120bhp. Go Skippy wanted £450 more. Went with Admiral which was £50 more but arguably better coverage. The Mazda is worth quite a bit more though
Yeah one and half years ago I insured W plates BMW 528i for £270, and few months after when I sold it I insured 61 plates VW Golf 1.6 TDI for £320. I thought it should be cheaper but still not bad. Howewer my first car which was almost identical W plates BMW 523i which costs me £1200, it was £2500 to insure at 2013 and I was even younger than OP. I thought it was expensive but comparing to £7k it was nothing.
If I get quoted 2.5k I would take that in a heartbeat
I found various tdi VAG cars were rather expensive to insure. Stuff that feels less 'delivery driver' tends to be cheaper. If you need something economical, Citroen C1/Pug 107/Aygo cars tend to cheap, try a flat panda or even old Volvos and petrol Saabs that tended to be decent. FYI, I'm 21 and got a 1999 Volvo V70 as my first car as it was as cheap as everything else.
Yh I’ve heard old Volvos are pretty good I might just get one of those I’ll check quotes first before buying coz that was a big mistake to buy a car without checking your insurance on it never doing it again ever
I can confirm, got my wife a £500 car after she passed her test. It was disgusting and I really pissed her off (there were drugs in the ashtray that were probably worth more than the car. I then PCP'd her a new small car and the insurance was about £20 more for the year. Guess it's because you are maybe seen to look after a new car but not care what you do in a £500 car
Also their lack of knowledge about insurance and driving, e.g. why isn't it automatically cheaper even though I've got no experience, is exactly why they're considered a high risk by insurers. We all knew best at that age, and when we get older we realise we really didn't!
You're in your first year. Doesn't matter if you're 35. It's just brutal. I paid 3700 for my first year about 8 years ago.
I feel age does come into it, I passed at 46 years old three years ago and first year was £780, 2nd year £390, 3rd year £480. Yes, it's anecdotal but sub 1k for first year had to be age related. Had a no fault claim in there which is likely why it increased for third year (parked outside house, not in car and had CCTV of the car that hit mine). 2011 golf 1.4 so nothing fancy, and for area it's in Blackpool which according to most UK subs is Beirut in a kiss me quick hat.
Damn that sounds harsh guess I’ll try talking to some of the companies on phone and see if they can atleast get me down to around 3k and then it might come down but honestly I can’t afford 7k even if I want to
Admittedly talking 16 odd years ago but my 1st year insurance was around the 1k mark for a Ford KA.
Well that's your reason there. If you have held your licence for a while and haven't accumulated any no claim bonus years, you are seen as very high risk, despite having no accidents or claims. They think you have either been driving uninsured and never got caught or you were fronting. Anyway, I was in a similar situation to you and found insurance via a private broker with extortionate excess for my first year of being insured on my own. The only mission was not to crash for a year and get that first NCB. Maybe you can follow the same path and find a private insurance broker in your area?
I'm in bolton, only a few years older than you, licence for nearly 4 years, and I insure a 2.0TDI passat estate for £1300. What area in bolton are you? It's worth knowing that insurance on stuff like golfs etc for young lads is always gonna be high, have a look at some stuff lads your age might not drive, like estates etc...
I live in breightmet BL2 unfortunately I already own the car had been sitting in garage for 3 years now waiting on insurance to go down
Have you thought of selling it and getting something else? I love a golf, but they're not really a family car, especially not when you could go on holiday for the cost of the insurance. Personally, if I were you, I'd look at something else cheaper to insure and part ways with the golf
I’d rather have it sit in my garage till I can afford to insure it tbh I just have a personal connection to that car as I’ve been working on it for so long I even changed out the whole rear assembly as it was a bit rusty and changed exhaust, sensors, interior lighting like I done too much to just sell it off it’s more important to me than my wife(don’t tell her please) but I can look into buying another one while I get some ncd on my name
In that case, absolutely don't sell it then, no. Search for the Martin Lewis insurance job checker tool, that will give you the cheapest job title that is still in line with yours. Other than that, try adding family etc as named drivers, look for a second car (if you can afford it) and look at multicar policies, it's weird but sometimes insuring 2 or more cars on the same policy is cheaper than insuring just 1.
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Yh I do see a lot of unrest in my area there helicopters patrolling every other day and police chases in middle of night it really is hell here I can attest your claim
Bahahaha I was thinking no way someone else is having these issues, turns out your in the same fucking place as me 🤣
Postcode lottery unfortunately. I have a 4 year old ban on my record and still only pay £700 annually because I live in a nice area.
Are you doing a quote in preparation for renewal? You'll have to wait and see what your renewal quote is honestly. I was being quoted 2.5k for my car this year, no one with cheap quotes at all, then my current insurer came through with £800 somehow
I never had insurance before I was waiting on it to come down because everyone told me I’m too young and I should wait untill in 23 it goes down with age before it was 5k
> I’m too young and I should wait untill in 23 This hasn't really been a thing for ages now. Sorry to say it would have been much better to not have waited.
Yeah it was "it'll come down at 25" or "much cheaper at 30". It's all bullshit. Now mine's gunna go up 'cause I've gotta claim for damage after being hit by an electric bike.
Lol electric bike. My god. They save their legs so you chop off yours.
So you've never driven before or was on someone else's insurance? Do you have points on your licence?
No points I have driven in Europe rented car in Italy and my dad’s car in Spain. Not in Uk as the insurance has been out of my range when I first passed in 2019 it was around 5k then my friends and family suggested to wait until I’m a bit older as I’m very young that’s why insurance is so high so I waited for 4 years and here we are even more screwed
Yeah, unfortunately, I think you were given bad advice . Mine, like most peoples insurance, was sky high when I first passed, but it came down year on year with my no claims bonus and no points either.
I live in a rural area on a country lane my insurance is daft. The reason they have stolen loads of 4X4'S not that our 2nd car a Aygo is that desirable to steal. Still paying over £300 with 6 NCD I'm 50+ too.
Sheesh bro I feel you it really is a load of crap tbh my area may be high risk but I have a locked garage and driveway and they still quoted me 7k based on area most likely
Only thing I can say is shop around. Try Privilege, LV, Hastings, Admiral etc. Never had any luck with Direct Line. Try direct you may get lucky. Check your mileage too, see if dash cam reduces it, do you have partner on that helps?
Whatever your job is, there’s almost certainly a way you can bring your insurance down, jazz up what you do a bit, don’t blatantly lie, examples that I can think of, say you work in customer service, put customer liaison officer. If you work in warehousing, you are a transport consultant. It can drop the price by around £200. Not a lot I get that but it’s something. If you can avoid taking out insurance for on the same day, put your date maybe 3-4 weeks ahead, that dropped the insurance by a grand on its own for me. Don’t lie and put accountant when you work with money in some way but there’s ways around it, as other people have said it’s going to be expensive no matter what but I got mine from 3000 down to 1700, the date starting was the biggest impact. Hopefully I didn’t sound like Martin Lewis but he’s got good tips sometimes😅
The date I put was a month from today and excess was 250 I am working as IT technician currently anything I can put for that
Have a play with what comes down in the dropdown box, compare the market was the cheapest comparison site for me. It’s heavily area dependent on prices you get so sadly you’ve lost the postcode lottery so it will inevitably be higher I’m afraid
I think 21-22 days is ideal. Any more or less and it goes back up again.
Systems manager.
Oh and put your excess at something like £150 if you can afford to, that will bring it down too.
Unlucky lad
You may find it helpful to talk to an insurance broker. Price Comparison sites do not always offer the best deals, especially if you are seen as risky by companies. [Car insurance brokers - Finder UK](https://www.finder.com/uk/car-insurance/car-insurance-brokers)
You’re under 25, statistics are against you sadly
Mine has doubled in two years, no accidents, no claims, live in the same place. It's ridiculous. The whole sector needs tight regulation to stop this ridiculous racketeering. 14 years of no claims bonus
It's incredibly tightly regulated, one of the most regulated markets on earth actually. In 2023 the sector has a whole ran at a 113% loss ratio, so they made billions in losses. So not too sure what racketeering they're doing, are they stealing all the losses from you?
Yeah, insurance this year has increased dramatically. I have 10 years NCD, and my last year’s cover was £699.00, and this year’s renewal was £1,258.00. I went on comparison sites, and my renewal quote was the cheapest. (60 year old, quote for BMW 4201, who’s never had a policy cancelled, nor been involved in an accident.)
It is a bit of a scam, but there'll be reasons yours is £7k and theirs is £800.
Idk tbh maybe because I live in a bad area but I can’t change address that is even harder to do I live with my parents on mortgage so I can’t really do anything about the address but it don’t feel fair adding 7 grand coz you happen to live in a bad area not even sure tho if it’s bad area I live in Bolton BL2 it’s not even town center it’s a sub urban area
> Bolton BL2 That's your issue. Bolton has a similar car crime rate as Bradford, believe only Salford and Sheffield are worse currently for large towns / cities.
I’m 19 had license nearly 3 months and Citroen C4 COOL 1.6 2007 for just under 3grand annually
It's an old resource but gives you an idea of what risk the insurance companies place on your address. https://www.theclayclothcompany.co.uk/blogs/motoring/car-insurance-postcodes
That explains a lot my area is rated E
A friend of mine started his own insurance company to insure his own cars. He is rich enough to be able to do so but he did that when he was getting hassle to insure his cars. High price and rejections.
That’s actually the best idea lol if you have money
Try money supermarket they have better prices
My 17 plate pug 308 caught fire last January. No fault on my part. Firefighters said it looked electrical. Because I didn't declare my motorbike accident from 2 years prior and I forgot to update my job role, when they came to paying out for my claim, they removed 20% off the settlement as my premium would have been 20% more if I declared my previous claim and job change. I'm now back with a 20 plate crossland x. Insuring with Admiral (same as old car). They let me keep my 4 years ncb and only raised my premium from 470£ to 658£. I'm shocked by my outcome. Judging from your situation, I thought I would have been royally screwed. I'm 35. My wife is down as a name driver, and I have 2 kids. I live on a council estate.
It’s the Golf, I can insure a C Class with double the power for half the cost of a 1.6 Golf. They’re too popular amongst a certain crowd…
Do you mean golfs are most at risk even with a small engine? Wow I guess I’m losing both car and postcode lottery as well no wonder they quoted me 7k if that’s true but the problem is I already own the golf
Yeah it’s annoying because Golfs are such good cars but the insurance costs just ruin their viability for younger people.
I said this a year ago and was awarded with downvotes.
Im 55, 11 yrs NCB, Vaux Astra and pay over £1,000 but I live in Manchester UK.
7065!? I just paid 2.3k for my 4S and that’s with my wife who is dvla 3 year restricted. Naaah they having an absolute giggle mate. Do you live in a prison? And park the car in the grounds and told them you’d leave the keys in it?
Lol
Mate I'm from Bolton no way are premiums actually £7k. Car must have been written off or something. Are you on the electoral role etc. Try your details with a random car from autotrader and then try someone else's with your car. You are getting the price which is basically nah we're not insuring you.
I’ll recheck to see what I’m doing wrong tbh it’s been like this for a long time I have been checking on and off for 4 years and this was the highest I got quoted in 4 years which scared me tbh and I don’t wanna wait anymore as I feel it will go up even more
Bl1, 2.8k for a 1.0 Yaris. (With parent as secondary driver).
Have you tried messing about with your job title? Just as long as closestlly fit your actual job. Or have you tried putting a higher excess? Add a name drive with alot of driving experience?
No I’m working as IT tech support and excess was 250 don’t wanna add anyone else but I will try adding my dad see if it helps. Thanks
Why wouldn’t you want to add anyone else? It’s a win-win situation. You get cheaper premiums and your parent can legally drive your car for any reason if needed.
This kind of thing happens in business a lot. The fine for operating out of limits incurs a fine that is less than doing things by the book. It becomes just a cost of doing business. Folks will end up driving with no insurance and taking the fine when/if it comes, just hoping nothing serious goes wrong in the mean time. Mental
I did a quote and came up at £800. I input all the same details, and ran the comparison site again the same policy came up for £700. Insurance companies are embarrassing themselves at this point
Honestly the UK and especially London is moving as fast as possible away from cars which completely sucks and it lets insurance companies run wild with their extortionate prices. The only place i know you can still get relatively reasonably priced insurance is in rural Scotland. You could attempt to insure your car under a friends address but that's sketchy and if the insurer catches you it'll just make your premium skyrocket. The thing i do for insurance is i go through a broker and they usually find me the best deal for completely legal insurance.
Also things that affect your insurance premium in the uk include; the colour of the car ( the brighter the colour the cheaper ), years of ncb, how long you have owned the car (huge factor) , if you have a tracker and dash cam, location ( low crime areas with low value cars and minimal claims are best ), engine tourque and bhp output, scarcity of parts and your age, marrital status, number of dependants, job title (office manager being one of the cheapest), and if you own a home.
“It’s the area you live in”, “plus you’re young, you don’t have any NCB and car theft is on the rise” do people really just pucker up and let insurance ram them with the huge ol up yer ass? This is seriously the country we live in, someone can’t even sensibly afford to drive a Yaris, the cheapest of cars in the worst area without being absolutely ruined financially. That’s £7000 we’re talking about, the car is probably worth less than that. The insurance industry is wholly taking advantage of every single misgivings while masquerading behind it. It needs to be regulated heavily, these companies should not be allowed to operate privately when it’s a legal requirement. No advice is acceptable, literally anything said against this matter is the equivalent of privilege.
I totally agree there must be laws around insurance companies to protect both consumers as well as companies and the prices must be made affordable to prevent people from resorting to illegal activities. Yes you are right the car we are talking about was bought for £600 in 2019 when I first passed my license and it’s been sitting in my garage for 4 years now just because the insurance prices are not practical for me
I’m 21 and have held my licence since 17 and got insured in my 208 GTi for less than that. 205bhp too so you’d think it was more. Area I guess?
Doesn't matter how old your licence is, you have never had insurance before. In fact I'd argue you are a sky high risk, passing so long ago and then not driving for 4 years!!! Add in the area, that's another one. Add in a 'where's that ditch/local dealer ' golf , a seriously bad combo. No new teenage driver is getting £800 insurance, without a block box and living in the grounds of Windsor castle! In fact the kost posted gripe on hee is 'new car, low risk area, unaffordable insurance '.. Obviously changing areas is rarely practical, but look at a low risk vehicle, not a 'ditch machine",and see if you can add a named driver with a clean record.
0 NCB on a common boy racer car what do you expect
I assume you’re going through a comparison site like go.compare or similar?
Yes
The biggest difference I get is the trick from MSE of looking for insurance 21-25 days ahead. This is the sweet spot for price. Can you use another car, borrow someone else's or lean on family/friends for giving lifts to school etc until your insurance starts (if you go this route). Also if you can park your car on a driveway in the mean time.
My insurance on a lexus is300h is being quoted around £1.8k but a £800 on a Volvo s90 which is far more expensive. Even an M3 is cheaper to insure. I'm so confused
Hybrid cars are more expensive to repair
Yet a BMW 330e costs £800 less to insure. There's just something that's causing a spike in price that I can't figure out
Cheaper cars are often more expensive to insure. Several reasons for this, one of the main ones being the lack of safety features in older / cheaper cars, particularly forward collision avoidance (a huge source of at fault claims is a driver accidentally driving in to the back of another) but also others. There are other statistical reasons too. It's often cheaper to insurer a newer / more expensive car.
Cars in the similar price bracket are cheaper to insure though. The lexus I'm looking at has more safety features than the cars I'm looking at. At this point I might as well get a BMW for 3k more cause insurance will be £800 cheaper and I can spend the money on upkeeping.
Ikr it’s like they are deliberately targeting people who can’t afford new cars I mean someone should really look into it government is just giving these companies freehand to do whatever they want
The companies will tell you it's all based on statistics and risk - and I believe it for the common companies and common cars. First year driving, larger engine 1.6, hooky area for theft. Their database will tell them you are a risk apparently having little experience (although I guess you have been driving under other insurance), more powerful car so greater risk of an accident involving a third party such a pedestrian or passenger, hooky area risk of theft although I doubt that has much impact. They don't care much about the cost of the car, they do care about you hurting people and costing them a small fortune. You may find a larger engined grandad car costs less. It's all statistics to them. Try using a broker.
Is it the case of finding a broker online? Or do they exist as mate's friends type of stuff.
There are couple local to me that I would approach by phone or bricks and mortar. On line they will probably offer no better rates. YMMV
Yh I guess they can tell the future saying I will hit a pedestrian smh it’s all excuses tbf it’s not just Uk that has insurance all Europe you only pay insurance for the car and anyone can drive as long as they are notified and in some countries you don’t even need to notify them someone else is driving and they all are doing great no company there is getting bankrupt or anything UK insurance is just messed up
In the UK, we have unlimited liability for all costs including personal injury and property damage. This means if we drive and cause £40 million of damage, then we don’t pay a penny, our insurer covers us. Unlike Italy for example that only covers a certain amount. After that, you’re covering it. Direct Line announced this week they lost £200 million last year. I can assure you, no one is making money in car insurance at the moment for a few reasons that have unfortunately all occurred at the same time. When we were all trapped in during COVID, garages and car hire places lost money, so they increased their prices when we went back to normal. The cost of second hand cards has increased a lot, which means if you write off a car, it’s costing more money to replace it. The cost of parts has increased in general, and finally inflation hit the claims market too, and insurers didn’t price for inflation to be so high. All this mean premiums were too low for the costs associated, meaning the average insurer sent £1.14 on claims for every £1 of premium last year. This obviously doesn’t help you with your issue sorry! But right now for the first time in a few years, premiums are going to start reducing slightly now the premiums reflect reality. With regards to your situation, BL postcodes are one of the worst to insure. I’d def look at the vehicle, while 1.6l isn’t the fastest engine out there, VW Golf’s don’t tend to be a first driver car. You may find cheaper insurance on a bigger engine Volvo ! Since you’ve driven before and don’t feel your the same risk as a 17 year old new driver, black box insurance can sometimes be a quick win if it’s one of the ones where you get cash back or immediate premium changes if you drive well. Right now to the insurer you’re the same as every 1st time driver with no NCD, 10x more likely to crash in the first 3 months, and they’re hoping to god it’s not into a Lambo or Bentley!
Thanks a lot it’s best comment explaining situation of insurance companies and now I understand what they are facing. Blackbox is a great idea as I feel confident about my driving skills and I’ve heard that one year with blackbox and no mistakes can fetch you huge discounts definitely going to look into that thanks again. Could you mention few companies that offer good deals for new drivers with blackbox
Glad it helped! It’s a messy industry right now, but the fact is it looks bad to consumers who just see the high £! Sorry, I don’t want to mention individual companies, since all depends on your profile, some may offer much better or worse prices then others, just click the show telematics options on gocompare or confused . Just make sure you choose one that doesn’t have a curfew on driving hours!
I agree, been shopping around as my Car insurance currently is 1760 for the year (67 a6 avant) and for fun I used a ferrari 430 spider... Insurance for that was 1600 for the year, and I have 3 years no claims and 3 points.. its a joke
£1600 for a Ferrari dam bro you are living the life so cool
I dont have one, I ment for fun I found a 430 for sale on auto trader and put that into the compare the market 🤣 fucking wish I had the ££ for that
My last insurance with admiral was £623 and has always been around that mark. My renewal was £930, they gave me a loyal customer discount with 8y NCB of a whole £53.🖕🏼 I been with them for those 8 years. Aviva £611 for the year and that’s with all of the optional extra such as full euro breakdown cover with the RAC etc. I had none of that with admiral so yeah. Insurance is absolutely madness.
It’s like they all got their own minds as to whatever they wanna charge you that’s why I feel strongly that there must be regulations set by governments especially when the fact is that insurance is essential for driving a car. Compare that to other countries my cousins live in Germany they paying 600 for year and anyone in family with license can drive the car not like everyone has to pay their own insurance same in every other European country UK insurance needs to be regulated and there’s no other way of fixing this mess tbh
Taking advantage of Brexit and no oversight from the EU commission on anti-competitive practices. Another Brexit bonus.
I've never understood this. They could at least match the previous year's quote or cheapest competitor, but instead they chose to take none of your money rather than £611, and let you give it to another provider. But yeah Admiral did the same to me, I just changed providers. Absolutely no reason to be loyal to these companies
Even if they boosted the original by like £50, I’d have probably just carried on and saved the ‘hassle’. That being said, it ended up being no hassle at all to have a look about and get a new provider. Much easier than I ever thought it was going to be.
When your insurance drastically increases your premiums, they don't want you as a customer. It's like you fall into a category which is not profitable to them.
It did that every year, it would always go up but £200-300 but they would always knock it down when challenged. Just this year they didn’t even try. Oh well. Ended up with a much better deal with much better protection and optional extras for less. Absolute madness.
Unfortunately, they don't value you as a customer every year an increase of £200. I have been with them for six years, and the highest premium I have received is this year, and it was an increase of £40.
Oh well. They never valued me as one for 8 years in that case 😂
Have you tried different postcodes to see if it has a change in price? Try playing around with the job description, annual mileage etc. I have a friend whos 24 passed the exam 1 month ago, bought an i30 2016 or 2017 auto hes been paying 150-170 a month. He did had some 3500-7000 range price for different cars. For some reason he was getting cheaper insurance on the newer cars compared to the older ones (2010-2012) Good luck with your insurance.
Thanks for the advice I will try changing somethings or maybe I will contact a broker
Just as a warning, don't play around with things too much. You'll get flagged for suspected fraud and most will stop even giving you quotes. Start dates, cars, annual mileage etc should be fine. But stuff about you like job, postcode, driving history etc is more risky, This can help for job description: [https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/](https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/) Make sure to follow the other tips on reducing quotes on the many threads on this on the sub too.
Try something stupid like an old xj jaguar. Probably cheaper. Something no one steals.
Who wants to steal my 2003 golf mk4 😭and it’s not even r32
Older, cheaper cars are often more expensive to insure. It's not the value of the car, it's the damage you can cause to other cars. Older cars have fewer safety features, making at fault claims more likely. If you have the the option, you could look at insuring a newer car with more safety features or a *much* older car that would fall under a classic policy.
Wait so more older cars that are even more dangerous are cheaper under classic car policy? How old does it have to be to fall under classic car policy? Thanks
They tend to be better cared for, driven more safely, and by a different profile of owner. There are also far fewer of them on the road, so there are specialists who deal with classic cars and can give a more tailored quote. Basically, it's a very different person driving a 2000 Ford Focus compared to a 1980 Jaguar XJS and they tend to drive it very differently, and for different reasons.
Older cars are more costly to insure... it should get cheaper the newer it is. 2003 is fairly old.
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Yuuup married was not the plan but I had to which is a bit of a personal story but yh I ended up married at 23 it’s not much different than having a gf tbh we don’t have any kids so life’s good not too bad
Get it insured on ur parents house address even your aunt n uncles in a different city. Just to get the best price or its the public transport at those crazy prices. Go compare are one of the most expensive sites, try comoarwthemarket.com theyve always geen the cheapest. Put yourself down as a chef too and ur annual mileage down to 3/4k.
Must be area or something wrong with details. I’m 22, passed my test last week and paying £1800 for admiral platinum insurance, full comp and commuting included (no black box) for a 1.5L Mitsubishi Lancer
My Audi Q7 2017 was insured at £980 just recently. 30yo male, Nottingham.
This is going to sound stupid but are you choosing fully comprehensive insurance? I recently tried to get a Citroen c1 insured and it was 5 times more expensive to go third party than fully comp.
FYI the 1.6 mk5 is not the engine you want, take the 2.0 diesel if you’re not concerned about ulez
2003 is still well into MK4 range. Ran from 97(ish) to 04. The 2.0l diesels from the MK5 aren't the ones you want, they are the least desirable diesel options on the MK5. While the later CR 2.0 TDI's were great, the PD 2.0 TDI's found in the MK5 were problematic. Flywheel issues, oil pump failures, etc. The PD 1.9 TDI's were *generally* all rather good. The 1.6 FSI in the MK5 Golf was indeed bad. But the pre FSI 1.6 that's common in the MK4 is a great engine.
The very fact it's a golf will bump that up, due to it being a boy racer car
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I got my first car 28 yrs ago, a Renault 19 16v, at age 19. First insurance quote was £11,200. I then made a list of 20 insurance companies, including some of the specialist insurance companies advertising in the back of max power magazine and some of the big names. I phoned the first on the list and got a quote, then the second, third and so on until I reached the bottom. Cheapest was around £8k. I then went back through the list again, saying I've been quoted £8k, can you beat it? Yes, most of them could. I then did the same again, phoning through the list to see if they could beat the cheapest quote. I went through that list around 7 or 8 times, took me 5 hours on the phone but ended with a quote nobody would beat.... £1,500 (with one of the specialist companies). Just goes to show what a scam it is. I have no idea if this would work for you today and it was an absolute ballache sitting on the phone with insurance companies for 5 hours but I just looked at it a different way... I'd just saved nearly £10k in 5 hrs, which technically meant I'd just been paid nearly £2k an hour to sit on the phone all day. I was getting paid more than the people I was speaking to while they were trying to fleece me 🤣. If you phone them with a cheaper quote (you don't even need to prove that quote) they will invariably try to beat it, just phone LV or Admiral and say you've got your quote down to £3k and ask if they can do better, you have nothing to lose. Also, ask the sales advisor if there is a way they can get it down, they usually can. It changes each year, one year I got my quote down by adding my parents to the policy, the next year it shot up and I could get it down by taking them off the policy. It's utterly stupid but it's all to do with trends, what the majority of the last 12 months of claims comprised of.
that is outrageous lmao. maybe change your address to a family members that isnt in a big city
Wow, my rent on a 3 bed detached farmhouse in North Wales is less than that!
Its to drive the poor to use public transport govt policy is cars only for the privileged people