Forgot to shop around and now policy has commenced

Belenus

DullGreyGuy said:

Ganga said:

Went on comparison sites and despite being over 70 ,retired and drive less than 3000 miles a year with a 19 year old Astra they are still not a lot cheaper.

Both of these are negatives not positives

Once you get to 65 and over premiums start going back up again... never to the levels of 18 year olds  but it is notable increases (see https://www.statista.com/statistics/751199/average-car-insurance-cost-by-age/)

Similarly ultra low mileage is charged at a higher rate than those doing more miles. Insurance is priced on stats not logic but if you did want to rationalise it then if you dont drive enough your skills are simply not kept as fresh as someone who drives more. Going from commuting daily to hiring a car occasionally I certainly know my ability to judge gaps etc is less than it used to be. 

I am now 70 years old and I drive far less than I used to do when I was working. Sometimes a week or more passes when I do not drive at all and then that might be just a trip of a few miles to a supermarket and back.

I too feel that my driving skills are not as good as they once were.

DullGreyGuy

Belenus said:

DullGreyGuy said:

Ganga said:

Went on comparison sites and despite being over 70 ,retired and drive less than 3000 miles a year with a 19 year old Astra they are still not a lot cheaper.

Both of these are negatives not positives

Once you get to 65 and over premiums start going back up again... never to the levels of 18 year olds  but it is notable increases (see https://www.statista.com/statistics/751199/average-car-insurance-cost-by-age/)

Similarly ultra low mileage is charged at a higher rate than those doing more miles. Insurance is priced on stats not logic but if you did want to rationalise it then if you dont drive enough your skills are simply not kept as fresh as someone who drives more. Going from commuting daily to hiring a car occasionally I certainly know my ability to judge gaps etc is less than it used to be. 

I am now 70 years old and I drive far less than I used to do when I was working. Sometimes a week or more passes when I do not drive at all and then that might be just a trip of a few miles to a supermarket and back.

I too feel that my driving skills are not as good as they once were.

And that can be precisely why claims experience are worse, people dont notice their own slow decline and so don't compensate by being more cautious.

Anyway, as previously mentioned, pricing isnt done on logic but basic statistics, when everything else is equal a 75 year old has on average a greater claims experience (frequency x cost) than a 55 year old (and both are better than a 20 year old). Similarly those doing 2,000 in their car a year are worse than those that do 5,000 and both better than someone doing 50,000.  The why thats true is supposition. 

Ganga

DullGreyGuy said:

Ganga said:

Went on comparison sites and despite being over 70 ,retired and drive less than 3000 miles a year with a 19 year old Astra they are still not a lot cheaper.

Both of these are negatives not positives

Once you get to 65 and over premiums start going back up again... never to the levels of 18 year olds  but it is notable increases (see https://www.statista.com/statistics/751199/average-car-insurance-cost-by-age/)

Similarly ultra low mileage is charged at a higher rate than those doing more miles. Insurance is priced on stats not logic but if you did want to rationalise it then if you dont drive enough your skills are simply not kept as fresh as someone who drives more. Going from commuting daily to hiring a car occasionally I certainly know my ability to judge gaps etc is less than it used to be. 

I have only had the car since i was 67! i had just retired ( i was WHITE VAN MAN ,service engineer on construction machines ,did about 30,000 miles a year ) will just have to pay and suck it up.