Help with high insurance quotes

iamana1ias

Norman_Castle wrote: »

(sigh)
Nonsense.

Evidence please.

Norman_Castle

The less you drive the less driving experience you have. It's not just exposure to other cars that creates risk.

As an example, which would be higher risk - someone that hasn't driven/has driven very little for 2 years or someone driving 12k a year?

You are confusing lower annual mileage with driving experience.Someone driving 4000 miles annually is not inexperienced.
No evidence.Lifes to short

raskazz

Norman_Castle wrote: »

You are confusing lower annual mileage with driving experience.Someone driving 4000 miles annually is not inexperienced.
No evidence.Lifes to short

That is your opinion but iamana1ias is talking about facts. And the facts are that some insurers offer mileage discounts for average mileages whilst loading low mileage and high mileage policies.

As you want evidence, I will shortly post up a graph based on information from the rating guide of a private car scheme for a UK based private car insurer (not my employer), which confirms that what iamana1ias is saying is true for certain insurers.

Here you go:

einalem

thanks for the info.......if its the address though why was it 481 last year and the year before it was about 550 and I was still in L6 and last year the same address thats just what I dont get

I could understand if I had just moved here..... I moved from a town to Liverpool 8 (l8) a few years ago and it went up a few hundread but I expected that as I moved if that makes sense?

raskazz

einalem wrote: »

thanks for the info.......if its the address though why was it 481 last year and the year before it was about 550 and I was still in L6 and last year the same address thats just what I dont get

I could understand if I had just moved here..... I moved from a town to Liverpool 8 (l8) a few years ago and it went up a few hundread but I expected that as I moved if that makes sense?

Problem is that the risk an area poses can literally change overnight. All it takes is for one serial fraudulent claimant to start operating in that area and insurers will totally hike their rates or stop quoting in the area.

custardy

einalem wrote: »

thanks for the info.......if its the address though why was it 481 last year and the year before it was about 550 and I was still in L6 and last year the same address thats just what I dont get

I could understand if I had just moved here..... I moved from a town to Liverpool 8 (l8) a few years ago and it went up a few hundread but I expected that as I moved if that makes sense?

My guess is that theres been a spike in car crime/thefts in the area over the year
so its been reclassifieds
have you tried putting it down as garaged? see if it makes it worth paying for a council lock up

einalem

thanks at least I know why now.....its shocking tho how it can go up that much maybe I would be better getting 1 month insurance for a few months and hope the area changes again in a few months

bouncydog1

einalem wrote: »

Hi all my postcode is L6(liverpool 6)

I haven't moved house I was here last year and the price seems to have gone up with everyone the cheapest is just under £1000(confused.com, moneysupermarket, tescocompare, direct line aviva, plus a few more)

My renewal date is end of july so my current insurer has not given me a renewal price yet(I rang them and they said they can't till 30 days before) but every year (5 years no claims) my insurance has gone down as I have got older and increased my ncb so you can imagine my shock when this year as usual I start looking at prices month and a hlaf before my renewal date and its double
I even went onto my current insurers site and got a new quote they wanted £1745 this is the same company who I am currently with for £481 (quinndirect) :eek::eek::eek:

I also have tried different occupation titles as some firms have mature student listed which I am but I am also a medical student and this does not make a difference others just have student which they might assume I'm younger but that never made a difference

I think that the clue is in who you are currently with - quinn direct. I believe (and I'm sure others will correct me if I am wrong) that quinn had lots of financial problems and were accepting high risk business (young drivers) at stupidly low premiums, to get money through the door.

There was a period a couple of months ago when they closed the door to new business (see lots of posts on here about quinn). They are now able to continue, but presumably are increasing the rates on their current business to shore up their losses.

Kittian_the_Blue

bouncyd!!! wrote: »

I think that the clue is in who you are currently with - quinn direct. I believe (and I'm sure others will correct me if I am wrong) that quinn had lots of financial problems and were accepting high risk business (young drivers) at stupidly low premiums, to get money through the door.

There was a period a couple of months ago when they closed the door to new business (see lots of posts on here about quinn). They are now able to continue, but presumably are increasing the rates on their current business to shore up their losses.

Absolutely right - Quinn have had to increase their premiums by up to 300% - they were writing business for silly prices

Unfortunately for the OP they are in a high risk postcode and that is what is driving the high premium

joanne_d_3

I drive a renault scenic 1.4 , have 7 years ncb , drive 8000 a year , i am main driver and my husband is named driver......cost of my insurance tpft with PROTECTED ncb and LEGAL COVER .......£175 !

Im in Northern Ireland where insurance prices are higher so im really pleased with the price.

Op , i am insured through Barclays , couldnt tell you WHO insures me though but could look at my documents and tell you if need be.

Check them out for a quote see if they can lower the cost for you.

J