Car Insurance quotes >£200 no matter the car

[Deleted User]

In my days of working in car and home insurance, many underwriters I did business with had minimum premiums regardless of NCB, Car etc 

Ditzy_Mitzy

£200 or thereabouts for a year's fully comp is dirt cheap.  You aren't going to find anything significantly cheaper.  Remember there are costs associated with putting the policy together, providing cover, and the need of the insurer to at least break even.  The policy isn't 'free' for the insurance company.  
As an aside: I've often suspected there's an element of macho pride in those 'how much is your car insurance?' conversations that seem to come up from time to time.  Men, especially in the old days before internet screen scrapers, used to always claim to pay about 20p to insure something high powered on a full comp policy with all the bells and whistles.  You'd hear whispers of secret deals with brokers who'd offer cut prices because said bloke 'was an outstanding driver' or had 'lots of experience with fast cars'.  Just for fun I'd sometimes ask which broker; 'Oh, he couldn't give you a deal like that love, you have to know him.  There's no point in me telling you...'  
Said blokes were probably, in reality, insuring with Direct Line for somewhat more than the girls.  I suspect a lot of these mega cheap insurance policies people talk of don't actually exist.  There's a lot of self-mythologizing goes on.   

Diego_Francis

This year has been better for insurance for myself. There's alot of factors in play here. Where you live, how old you are and how many years no claims you hold. 

Recently I insured my car for £184!!

I used topcashback compare insurance for this and bagged £40 cashback on top of the above deal.

So goes to show you can get insurance cheaper you just need to sho around and have good circumstances 

TELLIT01

I realise Diego_Francis has resurrected a year old thread, but I paid well under £200 for fully comp insurance in December.  I don't know if that is considered to be 'mega cheap' but it certainly exists.  I haven't had a claim in years which obviously helps.

Cross_Man

Well, £184 per year is 50 pence per day.
What else do you get that cheap?

Smithcom

Diego_Francis said:

I fancy getting a petrol car to get away from my current diesel.
I've considered hybrid petrol cars and hybrid plug ons then I have also looked simply at petrol only cars.

As stressful as it is getting for me to find a car I can afford to buy and run I'm now burdened with this frustrating predicament.

No matter what model car I look at or what insurance category it sits in, even a cat 1, I can't get a car insurance quote that goes below £200. The cars I look at range from £5k to £20k. The average from 2015-current

I have 12 years no claims protected and a clean licence. Has always been the case. I was under the impression by now as a 30 year old with essentially a flawless run I'd be getting insured at cheaper rates by now.

Is £200 the cheapest anyone in my circumstances can get for car insurance?

I've tried all the comparison sites and followed the mse car insurance guide.

I'm exhausted. If £200 is the best I can get I honestly don't see why it's worth keeping my no claims or going electric either. Even a VW UP lowest spec costs £206 to insure.

Is any of this right? I feel like it should be really cheap to insure a VW UP.

On the positive side I can get whatever the hell I want because I know no matter what I'll be paying at least £200 to insure the !!!!!!.

Edit..

I forgot I had posted something similar recently I rarely use this account and don't get notifications.

I suppose I'm trying to figure out why £200 is the standard minimum for car insurance full comp. Just seems bonkers to me 

Why £200?  

I can't get my insurance under £500.   Is that also bonkers?

Very confused at the point you are making, except that you dont want to be paying over £200.

frederick1950

OP appears to be making a bit of a fool of himself by him thinking that £200 is expensive .
As someone else said £200 is dirt cheap.

user1977

frederick1950 said:

OP appears to be making a bit of a fool of himself by him thinking that £200 is expensive .
As someone else said £200 is dirt cheap.

Especially for something which protects you against potentially multi-million pound claims.