Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
Page 1
    • lazer
    • By lazer 25th Apr 13, 11:20 AM
    • 3,230 Posts
    • 4,519 Thanks
    lazer
    • #2
    • 25th Apr 13, 11:20 AM
    • #2
    • 25th Apr 13, 11:20 AM
    I nearly died of shock when my insurance company quoted me £216 for renewal (Original was £275 but they phoned me to offfer discounts!!)

    Have never got it under £300 before! (And I have increased mileage and am female, and reduced the excess from £500 to £250) - very very impressed.
    I highly recommend AXA to anyone!
    Weight loss challenge, lose 15lb in 6 weeks before Christmas.
    • Percy1983
    • By Percy1983 25th Apr 13, 11:55 AM
    • 5,001 Posts
    • 7,824 Thanks
    Percy1983
    • #3
    • 25th Apr 13, 11:55 AM
    • #3
    • 25th Apr 13, 11:55 AM
    Well for the first time ever my insurance was less than the wifes, actually having more years no claims (therefore more proof of safe driving) is actually working now they can't decriminate based on the 50/50 chance I had when the egg was fertilised and I was decided to be male.

    I will say our combined costs have seen a slight reduction so this can only be good news.
    Have my first business premises (+4th business) 01/11/2017
    Quit day job to run 3 businesses 08/02/2017
    Started third business 25/06/2016
    Son born 13/09/2015
    Started a second business 03/08/2013
    Officially the owner of my own business since 13/01/2012
    • Pincher
    • By Pincher 25th Apr 13, 12:33 PM
    • 6,516 Posts
    • 2,491 Thanks
    Pincher
    • #4
    • 25th Apr 13, 12:33 PM
    • #4
    • 25th Apr 13, 12:33 PM
    I thought it was because the new car is group 16 instead of 18!

    December 2012, the best quote was £380 before extras for the group 18 car. Now it's £291!

    In March 2013, the group 16 new car had a best basic quote of £300. Now it's £266!

    Both new quotes from Sainsburys Bank through Moneysupermarket.

    What is going on? These are like 1993 prices.
    I should have bought myself something more sporty.
    • DJ Mike
    • By DJ Mike 25th Apr 13, 4:05 PM
    • 244 Posts
    • 214 Thanks
    DJ Mike
    • #5
    • 25th Apr 13, 4:05 PM
    • #5
    • 25th Apr 13, 4:05 PM
    Well for the first time ever my insurance was less than the wifes, actually having more years no claims (therefore more proof of safe driving) is actually working now they can't decriminate based on the 50/50 chance I had when the egg was fertilised and I was decided to be male.
    Originally posted by Percy1983
    Yes, why use empirical, statistical evidence that says our gender is more dangerous behind the wheel when you can simply trot out the gender discrimination card?
    • Percy1983
    • By Percy1983 25th Apr 13, 5:43 PM
    • 5,001 Posts
    • 7,824 Thanks
    Percy1983
    • #6
    • 25th Apr 13, 5:43 PM
    • #6
    • 25th Apr 13, 5:43 PM
    Yes, why use empirical, statistical evidence that says our gender is more dangerous behind the wheel when you can simply trot out the gender discrimination card?
    Originally posted by DJ Mike
    I am not arguing with stats, the problem is the groups where to wide, not all males or all females are the same. As far as insurance went all females where safer than all males which is incorrect.

    When a women with an accident, speeding offence and less years no claims got a cheaper quote than my proven safe driver record it had gone too far.

    I do think age discrimination needs to go next, a 35 year old new driver gets so much cheaper than an 18 year old new driver yet none is proven to be safer than the other.

    Things like power/size of car are fair enough as we can go smaller if we don't like it.
    Have my first business premises (+4th business) 01/11/2017
    Quit day job to run 3 businesses 08/02/2017
    Started third business 25/06/2016
    Son born 13/09/2015
    Started a second business 03/08/2013
    Officially the owner of my own business since 13/01/2012
    • Ectophile
    • By Ectophile 25th Apr 13, 7:48 PM
    • 3,996 Posts
    • 2,658 Thanks
    Ectophile
    • #7
    • 25th Apr 13, 7:48 PM
    • #7
    • 25th Apr 13, 7:48 PM
    From my experience, the older you get, the less difference it makes what your car is.

    When I sold my 2-seater sports car and replaced it with a cheap little city car, it made no difference at all to my premiums.

    They seem to have decided that I'm a low enough risk that it doesn't matter what I drive.
    • poppy10
    • By poppy10 25th Apr 13, 9:07 PM
    • 6,237 Posts
    • 7,562 Thanks
    poppy10
    • #8
    • 25th Apr 13, 9:07 PM
    • #8
    • 25th Apr 13, 9:07 PM
    My insurance renewal premium quote is down nearly 40%, after years of being static or rising. Was so shocked. Maybe because it's cos I is male - now that they've outlawed sex discrimination we are no longer getting screwed over by having more expensive premiums than the ladies.
    • thor
    • By thor 25th Apr 13, 9:10 PM
    • 5,308 Posts
    • 1,900 Thanks
    thor
    • #9
    • 25th Apr 13, 9:10 PM
    • #9
    • 25th Apr 13, 9:10 PM
    I hope this new found ability for insurance companies to start reducing premiums lasts until next January when my renewal is due.
    I doubt it.
    • Pincher
    • By Pincher 26th Apr 13, 12:04 AM
    • 6,516 Posts
    • 2,491 Thanks
    Pincher
    From my experience, the older you get, the less difference it makes what your car is.

    When I sold my 2-seater sports car and replaced it with a cheap little city car, it made no difference at all to my premiums.

    They seem to have decided that I'm a low enough risk that it doesn't matter what I drive.
    Originally posted by Ectophile

    Turning 50 this year. I hear that Alfa Romeo is bringing back the Spider (The Graduate, Dustin Hoffman). Platform share with Mazda 5.
    • worried jim
    • By worried jim 26th Apr 13, 5:44 PM
    • 10,914 Posts
    • 17,226 Thanks
    worried jim
    I drive a Saab 93 turbo and it's the cheapest car I have ever insured. Change from £200.
    • waqasahmed
    • By waqasahmed 29th Apr 13, 12:49 AM
    • 1,042 Posts
    • 284 Thanks
    waqasahmed
    From my experience, the older you get, the less difference it makes what your car is.

    When I sold my 2-seater sports car and replaced it with a cheap little city car, it made no difference at all to my premiums.

    They seem to have decided that I'm a low enough risk that it doesn't matter what I drive.
    Originally posted by Ectophile
    In all honesty, I find this even now at 20, being passed for about 7 or 8 months

    Take the Fiat Punto for example. Insurance group 3. I have a Honda Civic hybrid in insurance group 8, which is cheaper to insure, as well as being a bigger and more powerful car

    I think part of it comes down to the image of the car to insurers. How many boy racers drive a hybrid? And how many drive a "cheap" punto?

    I did find an increase in insurance between my Civic and a Toyota Yaris though
    • Percy1983
    • By Percy1983 29th Apr 13, 12:39 PM
    • 5,001 Posts
    • 7,824 Thanks
    Percy1983
    Its true it can be a bit odd how some cars are treated, but one thing to consider is how secure the car is, the easier it is to steal the more likely it is somebody may try.
    Have my first business premises (+4th business) 01/11/2017
    Quit day job to run 3 businesses 08/02/2017
    Started third business 25/06/2016
    Son born 13/09/2015
    Started a second business 03/08/2013
    Officially the owner of my own business since 13/01/2012
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

979Posts Today

6,910Users online

Martin's Twitter