Older driver car insurance....

maxmycardagain

400ixl said:

Too low a mileage would be the first one that leaps out as that can be an issue showing not enough driving.

So if i drive 100 miles a month im more of a risk than if i did 1000 a week?

that sounds like insurance company thinking....

i starting to think day insurance when in use may be cheaper than an annual policy, SORN it the rest of the time

Arunmor

I believe around 8,000 miles is optimum.

MikeJXE

Arunmor said:

I believe around 8,000 miles is optimum.

Definitely going to give it a shot in March 

MeteredOut

MikeJXE said:

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 

I hope you're referring to age, and not the car's odometer

Stateofart

maxmycardagain said:

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?

No pointers, it's happening to everyone. 

Indout96

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

MeteredOut

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

Cloth_of_Gold

MeteredOut said:

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

MeteredOut

Cloth_of_Gold said:

MeteredOut said:

Indout96 said:

Its just the cost now with the stupid cost of repairs and cars holding value longer. Expect it to get worse rather than better as more Electric cars are on the roads, repairs for them run 25% more expensive and take longer so more hire car costs on claims.
https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2023/07/05/electric-vehicle-repair-costs-revealed-versus-ice-equivalent
Mine went up 70% in November to £558 and only one possible cheaper alternative on comparison sites who I had never heard of (age 62 Civic 1.5 Prestige) last claim was in 1996 so max bonus but I do have one SP30 which is 4 years old so still counts for insurance even though my licence says its expired on the Website.
Some such as SAGA & Direct line were well over £1500

That's a really interesting article, covering some challenges I'd not heard of before. eg

"Government guidelines state that due to fire risk, damaged BEVs awaiting repair should be stored in an outside quarantine area, at a safe distance of 15 metres from other nearby objects.

As such, an outside storage space with capacity for 100 ICE vehicles, would allow for the safe quarantine of just two BEVs, representing a potential 98% reduction in repair capacity."

The anti-EV brigade will love that.

How is that going to work when petrol/diesel vehicles have been phased out and everyone has to have an EV?

It just will - guidelines will change to reflect latest safety tests, costs will be adjusted to reflect whatever needs to be done.

EnPointe

Cloth_of_Gold said:

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.

  low milage and  a driver   in or approaching their 70s  screams ' prematurlry doddering old giffer'   to the underwriter  vs ' retiree, living life, gallavanting about  and going to see  kids  , grandkids, nieces and nephews etc  and  generally  making a benigh nuisance off themselves in a Last of the Summer wine manner  '

also   the mismatch between 'retired'   and having  Commuting or class 1   on the policy  or  still having an occupation down and havign community asnd the low milege