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    • boom800
    • By boom800 3rd Jan 18, 8:00 PM
    • 4Posts
    • 0Thanks
    boom800
    Car Insurance Changing Car Excessive quote?
    • #1
    • 3rd Jan 18, 8:00 PM
    Car Insurance Changing Car Excessive quote? 3rd Jan 18 at 8:00 PM
    Hi all.
    Changing the car on my car insurance policy:
    From 02 Skoda Fabia Estate 1.9 TDI to 08 Ford Focus 2.0 TDI.
    I was just quoted 193 to change to the new car. This is online so no admin fee included apparently. Does this seem excessive to you?
    Details:
    With Tesco, four months in, i pay upfront.
    Policy cost 440.
    Comprehensive of course.I have key cover, driver injury cover, motor legal protection, protected NCD. >9year NCD, voluntary excess 150. One no fault claim 4 1/2 years ago and one SP40 FPN 6 months ago.
    Any thoughts and advice would be appreciated.
Page 1
    • pramsay13
    • By pramsay13 3rd Jan 18, 8:30 PM
    • 394 Posts
    • 844 Thanks
    pramsay13
    • #2
    • 3rd Jan 18, 8:30 PM
    • #2
    • 3rd Jan 18, 8:30 PM
    So you've to pay 193 for the remaining 8 months of the policy to upgrade to a newer car?
    Doesn't sound too excessive to me.
    For peace of mind might be worth doing a comparison for a full year with the new car and see what it comes up with.
    If it's lower you could cancel the current policy and take out a new one, although there will be a cancellation charge.
    • boom800
    • By boom800 3rd Jan 18, 8:47 PM
    • 4 Posts
    • 0 Thanks
    boom800
    • #3
    • 3rd Jan 18, 8:47 PM
    • #3
    • 3rd Jan 18, 8:47 PM
    I've already paid for the full year. It's 193 on top of that.
    • boom800
    • By boom800 3rd Jan 18, 9:06 PM
    • 4 Posts
    • 0 Thanks
    boom800
    • #4
    • 3rd Jan 18, 9:06 PM
    • #4
    • 3rd Jan 18, 9:06 PM
    Yer i've cancelled and i'm gonna take out a new policy. Tesco didn't seem bothered to let me go.
    • pramsay13
    • By pramsay13 4th Jan 18, 11:37 PM
    • 394 Posts
    • 844 Thanks
    pramsay13
    • #5
    • 4th Jan 18, 11:37 PM
    • #5
    • 4th Jan 18, 11:37 PM
    How much is your new policy?
    • Reardoa
    • By Reardoa 5th Jan 18, 9:35 AM
    • 104 Posts
    • 28 Thanks
    Reardoa
    • #6
    • 5th Jan 18, 9:35 AM
    • #6
    • 5th Jan 18, 9:35 AM
    Its often assumed that the group alone affects the premium you pay it doesn't. The make (parts being more expensive, type of engine (diesels are more expensive to fit) and no of doors all factors. Doesn't sound unreasonable but always worth ringing round. Most insurers will match or bring down the premium if you find a cheaper alternative
    • camelot1971
    • By camelot1971 5th Jan 18, 11:57 AM
    • 818 Posts
    • 1,225 Thanks
    camelot1971
    • #7
    • 5th Jan 18, 11:57 AM
    • #7
    • 5th Jan 18, 11:57 AM
    I hope your new policy is less than 633.
    • boom800
    • By boom800 5th Jan 18, 10:31 PM
    • 4 Posts
    • 0 Thanks
    boom800
    • #8
    • 5th Jan 18, 10:31 PM
    • #8
    • 5th Jan 18, 10:31 PM
    New policy was 463, same voluntary excess, but without key cover(not a option), removed motor legal protection because i realised i get it through my union membership. Personally i thought a 65% increase was a lot so i cancelled.
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