Car Insurance Ridiculous price!!

graemewh

I am currently insured Fully Comp with Norwich Union and pay £105 a month!! im 28 have 2 years no claims bonus, about to be 3 years ina few months, I went throguh the supermarket search and found firms offering me £56 a month whats going on?? anyone advise me please.

graemewh

anyone advise the best thing to do, last accident was nov 2003 so ui thought that should be 3 yrs no claims or does it stasrt wen renewal strats?

DavidHM

It starts when renewal starts.

As for the best thing to do - change insurer - possibly now, or possibly on renewal, depending on what the no claims is like!

I'm the same age as you and had an accident a year ago (1 year NCD) and I pay £350 for the year (admittedly for a 12-year-old, group 6 car in a low risk area).

Norwich Union have never been anywhere near competitive for me so I'm not surprised that they're not for you either.

graemewh

my cars an X reg pegeout 306 meridian think thats 2001? Im shocked at how much I was paying, if I switch now before May whioch is my renewal I dont get it as cheap do i?

DavidHM

Heh, I drive a 306 also, albeit a 1994. Your car is a 2000 or a 2001 and will not be in a higher group than mine (could be lower depending on the engine).

I'm 28, zero no claims, no convictions, one third party claim against me in 2006, low risk postcode but not very low, £351 for the year third party fire and theft.

I'm with Admiral.

If you switch now you'll effectively lose your third year of no claims and would have to get a quote based on the second year. So you would save £80 or so by switching two months early but would then lose that gradually. Personally I'd hold on for an easy life until renewal and then switch.

graemewh

yep, i have no conviction,s fully comp low risk postcode cant believe they charge me that much scandulous

MrSmith_2

Norwich Union are just awful! They'll charge you £52 to cancel mid-term. I won't go into my tale of woe with them, suffice to say that my renewal with them was about £700 despite my 7 year's no claims bonus!!

A quick way to save money with them is to do a new quote at "quotemehappy" which will come out a lot cheaper and they'll have little choice but to match it. I had to do this twice while I was with them. Don't take no for an answer, and eventually you'll speak to someone in England!

DavidHM

I don't have a problem with them charging that much: they're entitled to set their charges so that they take on the risks they want and obviously they don't like you or me as a risk.

Admiral did so I went with them.

greyteam1959

graemewh wrote:

my cars an X reg pegeout 306 meridian think thats 2001? Im shocked at how much I was paying, if I switch now before May whioch is my renewal I dont get it as cheap do i?

Look on yor vehicle registration document this will tell you the date of registration cos its the first thing you need to get sorted.
If you dont know this you cant get an accurate quote
:beer:

dunstonh

Most insurance companies will not price themselves competitively on business that they do not want. It appears NU aren't interested in you.

C_Ronaldo

have u tried changing where you put your car at night, might make a difference if its in a garage