Im not able to get cheap car insurance! 22 March 2018 at 11:32PM edited 30 November -1 at 1:00AM in Insurance & Life Assurance 9 replies 1.3K views

edzusbalodis

Hi.

Can someone advice how to get nice insurance prices?
Well the story:
Policy holder my wife holding licence already 19 years
Me : 8 years.

Car small cheap : Renault megane 1.5 Diesel Manual
Searching over days compare sites cheapest quote i got so far is : 1230 £
I just dont get it.

worried_jim

Is it rough where you live?
Have you made claims in the past?

edzusbalodis

Its in uk . We never made claims before have 2 y no claims atm.

zx81

edzusbalodis wrote: »

Its in uk .

Can you narrow it down a bit? Not all of the UK is rough.

csgohan4

how come only 2 year no claims discount?? why not 8 years?

edzusbalodis

Because not all of driving years we been in UK and outside UK no claims they are not counting .

ZX:
District
Thanet
Shire county
Kent
Region
South East

nyermen

Something doesn't sound right. From your driving history, I'm assuming you're both over 25.
A Renault Megane Hatchback (2008 - 2016, I'm assuming not brand new) 1.5dci 86bhp is insurance group 12 out of 50, so pretty low. £30 tax means its very frugal too.

The normal factors that affect insurance off my head (on top of lots of other things) are:
1) Gender, age, time a license has been held;
2) Incident history including the question "have you ever had insurance cancelled" (make sure you answer this correctly, it's not asking if you've ever cancelled insurance);
3) Named driver profiles - jobs, address kept overnight, is it for business or just Social, domestic and commuting;
4) Have you driven the car before (prior experience with the model) can sometimes be a factor. Admiral ask this for example.

It might be worth reading up on these factors, remember what you put in your insurance application, and check you didn't accidentally answer the wrong thing.

Also, I trust you've tried a few insurers or used a comparison site, some always give a high number (quotes I get normally vary by 300%+ from smallest to largest).

kelevraz

edzusbalodis wrote: »

Because not all of driving years we been in UK and outside UK no claims they are not counting .

ZX:
District
Thanet
Shire county
Kent
Region
South East

Do you have a UK driving license?

Also, If you have been driving for 19 years, and have spent different periods of time outside the country, they will normally take your most recent length of time in the country as your driving experience in the UK.

So if you have been driving for 19 years, and you first drove for 10 years in the UK, then spent 7 years abroad, then you've been back in the UK for 2 years, they wont look at the fact you had 10 years of driving here before, they'll take you as someone whos been driving here for 2 years

Robin9

Add Mileage to Nyermen's list

pinkteapot

Add job to the list - some occupations are really highly rated.

Also whether you're insuring it for social/commuting only, or for travelling on business too - that makes a difference with some insurers.