+++ Whoops! Here comes the cheese! +++

SandyShores

LadyWithAPlan said:

I sold my car a few years ago when I moved one mile north and my insurance quote was 5 x my previous place !! 

I moved into a new build and the reason they gave for a huge price hike when I changed address 3 miles was that it was new so they wouldn't have enough stats to be able to know that it could be cheaper!  With all the moving house things going on I didn't have time to shop around but as soon as renewal came around I was off.  I'm another who would just stay for a small premium, do these companies not realise.

Watty1

Good point about checking what happens if you can add one of your children, might hike the premium or lower it.  I remember being astonished that PPH premium fell by 35% if he added me, the irony being he bought a car I could not drive due to injuries to an arm (long since healed but took years). If gives me satisfaction to know his insurance will have gone up

redofromstart

I get about adding people, and tweaking what you do for a living, but what irritated me here was that I got the new car and quotes after we had lost Mr Redo, and had to change my information with them on the phone which gave the new price,  and they have used the exact same information to run the renewal quote.   

Adding the children would add significantly to the cost given that it is a high insurance class already - they are 20 and 21, one passed the test a few weeks ago, the other has his test in a few weeks.  I am on their insurance for the little car, as was their Dad.  I bet that shoots up on renewal too.

Lots of skip filling progress outside, just stopped for coffee before I start again.

badmemory

I have been on my own on my insurance for years now.  Last year mine more than doubled for no other obvious reason than I had gone from 77 to 78.  I could get it down by much.  I did wonder if it was because it was a 3 year fix, by which time I will be eighty (it looks less when you type the word not the numbers).  There have been a lot of people saying how much their insurance has gone up in the last year or so & part of it is due to the difficulty in getting parts from abroad now.

Alchemilla

Good effort on the skip filling 🙂

redofromstart

Alchemilla said:

Good effort on the skip filling 🙂

Thank you - my poor arms are very sore indeed.  One last push through tomorrow and I should be finished ahead of planned collection on Friday.  It has made a real visible difference in the garden at least.

beanielou

Sorry your arms are sore but a massive well done.

Cherryfudge

It sounds as though you've done what you could about the insurance, I'm sorry we've not been able to bring it down for you. I guess at 20 and 21, they will be seen as higher risk and in time that should change but for now it's an expensive time. 

Well done on the skip filling and getting visible results! Not long now till the garden starts to wake up for the spring, and you will enjoy it all the more for the clearance.

SandyShores

badmemory said:

I have been on my own on my insurance for years now.  Last year mine more than doubled for no other obvious reason than I had gone from 77 to 78.  I could get it down by much.  I did wonder if it was because it was a 3 year fix, by which time I will be eighty (it looks less when you type the word not the numbers).  There have been a lot of people saying how much their insurance has gone up in the last year or so & part of it is due to the difficulty in getting parts from abroad now.

I hadn't really thought about this much, just assuming the older you get the less premiums you pay.  But it seems that when we get to the 76+ bracket the average amount claimed is higher.  So there may be less of us on the road at that age and claims are less frequent, but when there is a claim its for a higher amount.  Are our cars more valuable, do we cause more damage when we do have an accident - who knows.  But thanks for the prompt badmemory, at least I'm aware now:  Take a look at this Abi graph I think its showing a sharp rise at eighty-one.

Watty1

Do love filling a skip.  It is just so satisfying  I'm probably a minimalist at heart despite the stuff I have.