Surprisingly High Insurance Quotes

mark55man

Hi

I'm helping my DS1 (23 - held licence for 5 years) to try and understand why his insurance quotes for a car a friend of the family has sold us are so high

Info

• Last Car 2017/8 - Zafira - insurance Direct Line £600 2 years NCD
• VAN - 2018/9 - had his own delivery van - separately insured - (no car insurance) with one small bump - reported but not claimed on
• This Year - 07 Plate Ford SMAX 1.8 ZETEC value £1.2K

I cannot find a quote under £1400, Direct Line were £1600. I would be grateful for some advice about which is the main cost driver

• is it the bump
• is it he fact he has had a gap in car insurance
• is it the car itself
• is it just more expensive this year

Happy to take any suggestions - probable next steps will be to flip the car and buy something smaller and cheaper, but even so this feels toxic

Shaun_of_the_Dead

I've heard cases of you not being allowed to move no claims bonus from a commercial vehicle onto a car policy. There's a chance it could even go up.

mark55man

Thanks yes I was worried about that. DS1 is pretty good at managing his stuff, but this has got us all stumped. We did press direct line, but they are not going to give too much away

Scrapit

Is it keyless?

mark55man

No - its not that modern. My friend has replaced it with the new version which is keyless

missile

I would suggest you try a good broker.

forgotmyname

Its older so in the insurers eyes he will not maintain it and will obviously drive it like its a stolen bumper car bouncing from one collision to the next.

Try the club insurance schemes although being under 25 maybe an issue. Mine will generally not cover younger drivers.

DUTR

Scrapit wrote: »

Is it keyless?

Not sure what that has to do with anything?
From a car has gone past Thatcham approval ratings then whether it is push button start or not doesn't change things (in fact all I know who have had their modern cars stolen) are the turn the key start variety.
As an aside my friend who is a year older than me has the lower powered diesel key start version of the same vehicle and same postcode area is being quoted TWICE the price for the annual policy premium.

Scrapit

DUTR wrote: »

Not sure what that has to do with anything?
From a car has gone past Thatcham approval ratings then whether it is push button start or not doesn't change things (in fact all I know who have had their modern cars stolen) are the turn the key start variety.
As an aside my friend who is a year older than me has the lower powered diesel key start version of the same vehicle and same postcode area is being quoted TWICE the price for the annual policy premium.

Because I've had insurers decline to quote on that basis.

Alexd52

Scrapit wrote: »

Because I've had insurers decline to quote on that basis.

Never been asked whether keyless entry or not

facade

Alexd52 wrote: »

Never been asked whether keyless entry or not

Probably a post code thing. You'd have to be insane to offer insurance on a keyless Fiesta around here, unless the premium was more than the value of the car.