Older driver car insurance....

maxmycardagain
maxmycardagain Posts: 5,741
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69, clean licence, no accidents claims or convictions

7 year no claims

VW 1.6 diesel group 16 insurance

3000 miles a year



quotes from £556 upto £1200......

any pointers?



Now we all know how it felt to play in the band on the Titanic...
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  • Flugelhorn
    Flugelhorn Posts: 5,414
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    have you tried the comparison sites?
  • maxmycardagain
    maxmycardagain Posts: 5,741
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    have you tried the comparison sites?
    yes, thats where the lowest came from
    Now we all know how it felt to play in the band on the Titanic...
  • Flugelhorn
    Flugelhorn Posts: 5,414
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    sorry misread it - thought it had gone up from 556 to 1200! 


  • daveyjp
    daveyjp Posts: 12,386
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    Try increasing mileage to above 5,000 miles.

    Address, occupation and additional drivers are the other factors on cost.
  • 400ixl
    400ixl Posts: 2,635
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    Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.
    Adding other drivers who are younger but have good driving histories
    Location of car, garage can be more expensive than driveway or road as an example
    Assume occupation is retired and if so do you also have commute on the policy

    Not sure there is much else you can do.
  • MikeJXE
    MikeJXE Posts: 3,029
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    Wait till your 83, you're in for a world of hurt

     Mine went  up to £840 and a comparison site was over £1100 

    I've been driving since 1961 and only one claim same year 

    there is nothing you can do unless you can wind the clock back 
  • maxmycardagain
    maxmycardagain Posts: 5,741
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    ny lads got a company car, adding me to his own car is not £150 and ill use that as and when, BUT I WONT BE THE MAIN USER (just so you know)
    Now we all know how it felt to play in the band on the Titanic...
  • Cloth_of_Gold
    Cloth_of_Gold Posts: 692
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    400ixl said:
    Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.
    Adding other drivers who are younger but have good driving histories
    Location of car, garage can be more expensive than driveway or road as an example
    Assume occupation is retired and if so do you also have commute on the policy

    Not sure there is much else you can do.
    Why would that make the quote higher (I'm not doubting you, just trying to understand)? I would have thought that the less you drive the less likely you are to have an accident and therefore make a claim.

  • Martin_the_Unjust
    Martin_the_Unjust Posts: 979
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    edited 3 January at 11:07AM
    400ixl said:
    Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.
    Adding other drivers who are younger but have good driving histories
    Location of car, garage can be more expensive than driveway or road as an example
    Assume occupation is retired and if so do you also have commute on the policy

    Not sure there is much else you can do.
    Why would that make the quote higher (I'm not doubting you, just trying to understand)? I would have thought that the less you drive the less likely you are to have an accident and therefore make a claim.

    I suspect it’s something along the lines of ‘the less you drive the more your skills degrade’

    There will be an algorithm on a computer somewhere that shows it.
  • MikeJXE
    MikeJXE Posts: 3,029
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    400ixl said:
    Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.
    Adding other drivers who are younger but have good driving histories
    Location of car, garage can be more expensive than driveway or road as an example
    Assume occupation is retired and if so do you also have commute on the policy

    Not sure there is much else you can do.
    Why would that make the quote higher (I'm not doubting you, just trying to understand)? I would have thought that the less you drive the less likely you are to have an accident and therefore make a claim.

    I suspect it’s something along the lines of ‘the less you drive the more your skills degrade’

    There be an algorithm on a computer somewhere that shows it.
    I will try the more miles idea when mine is due in March

    The younger no claims no points driver didn't reduce my quote it went up £150 
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