Help needed insurance price up not down

  1. Frequent Poster Joined: Sep 2013 Space Posts: 873 JuliustoogyJD
    #1
    Ok so today got a letter from my insurance company advising renewal is due on the 27th. They have put my premium up by almost £600 or are about to. How the fk can this happen.

    Been driving solid 3 years no points nadda. Come to checking renewal worked out from current to new and is as above. How can this go up when I thought that the general ruling of insurance is if that no accidents and good driving payments on time bla bla bla and as the years go on the premiums go down with more no claims bonus you have. My first year was over 3k 2nd year was 1500 ish so it come down by a good half and was happy. 3rd year just under 1k ish and now for 4th year coming going up to almost £1,600+ How the fuck can this even happen and a lot of insurance companys are a lot more I did have a check on some last month and was around £850 and was thinking cool I gonna have a nice year and a bit cheeper than current guess that is wrong. WTF gone on here?

    Some advise would be helpful in this matter.
  2. Regular Poster Joined: Aug 2015 Sunny Worksop Posts: 441 1989 MK1 MR2 with V6 3.0L Camry engine
    #2
    It's legalised theft get used to it, get on the web & on the phone & find somebody else
  3. Prestige Insurance Joined: Jun 2012 Posts: 320
    #3
    Have you tried our scheme?
  4. Frequent Poster Joined: Sep 2013 Space Posts: 873 JuliustoogyJD
    #4
    Quote:
    Originally Posted by Tim-Prestige View Post
    Have you tried our scheme?
    Yup alread done every year now yours coming in at one of the most expensive

    Been on all the competitive sites been to over 30+ insurance companys direct and most are £500 to £600 or more expensive and yours was around 1200 so I have no idea what going on other than day light robbery.

    I am currently with hastings direct and their company used to insure me is Advantage and hastings have no idea as to why they are not proceeding to renew insurance bloody assholes if asking me was getting good prices and now this year for some reason most insurance company's are shocking coming to my 2nd year insurance cost and things where going down in price to good areas.
  5. Regular Poster Joined: Aug 2015 Sunny Worksop Posts: 441 1989 MK1 MR2 with V6 3.0L Camry engine
    #5
    Don't take it personally it's all about numbers, there may have been an increase in accidents or thefts in your area, there maybe statistical eveidence that brown haired men who are 21 walk backwards & spit a lot are at greater risk, I don't know it's all a con. The Government have decided everyone has to have car insurance, therefore it's legalised theft there is no competition within the car insurance industry, they treat customers like shooting fish in a barrel. The whole scheme is warped, approved repairs who charge 100% more than the actual cost of repair, not allowing use of 2nd hand/reconditioned parts, writing off perefectly good cars because the bumper is scratched & claiming the cost of replacement is too much. Supporting the fraud & false claims that are submitted rather than rejecting them.
  6. Saxperience Forum Bum Joined: Mar 2012 Posts: 3593
    #6
    I was with Hastings and they expected me to pay more when I got my renewal, so I asked them if it was a joke and managed to find it for half the price with another company.

    One thing I noticed was it shot up after my policy ended for some reason. When I was browsing prior to my policy end date it was around £300, then a few days after it expired I couldn't find any quotes for less than £400!
  7. Regular Poster Joined: Aug 2015 Sunny Worksop Posts: 441 1989 MK1 MR2 with V6 3.0L Camry engine
    #7
    Again they know you don't have a choice it's choice legal requirement it'll be built into their algorithm that if you're out of insurance quote higher. My other pet hate is auto renewal that should be made illegal, just refused to insure with Direct Line as you have to agree to having auto renewal their loss not mine

    Sent from my SM-G900F using Tapatalk
  8. Frequent Poster Joined: Sep 2013 Space Posts: 873 JuliustoogyJD
    #8
    Quote:
    Originally Posted by Phaeton View Post
    Don't take it personally it's all about numbers, there may have been an increase in accidents or thefts in your area, there maybe statistical eveidence that brown haired men who are 21 walk backwards & spit a lot are at greater risk, I don't know it's all a con. The Government have decided everyone has to have car insurance, therefore it's legalised theft there is no competition within the car insurance industry, they treat customers like shooting fish in a barrel. The whole scheme is warped, approved repairs who charge 100% more than the actual cost of repair, not allowing use of 2nd hand/reconditioned parts, writing off perefectly good cars because the bumper is scratched & claiming the cost of replacement is too much. Supporting the fraud & false claims that are submitted rather than rejecting them.

    Not at all I know the area has had a number of accidents but not close to be but in area it has had some I used my old post code on some quotes to see if much different and was even more.

    Quote:
    Originally Posted by Jizanthapus View Post
    I was with Hastings and they expected me to pay more when I got my renewal, so I asked them if it was a joke and managed to find it for half the price with another company.

    One thing I noticed was it shot up after my policy ended for some reason. When I was browsing prior to my policy end date it was around £300, then a few days after it expired I couldn't find any quotes for less than £400!
    Who are you with now if you do not mind me asking might as well try and see if I can get with same as you if not already tried getting a quote from them already..

    I have found out today tho the people it was though hastings was a company called advantage and now their no longer dealing with insurance for me or others too
  9. Saxperience Forum Bum Joined: Mar 2012 Posts: 3593
    #9
    I'm with 1st Central. Probably a shit company but it was the cheapest on confused.com and I only really need insurance for a month or 2.

    Normally I'd rather pay a little more to go with one of the larger well known insurers.
  10. Frequent Poster Joined: Sep 2013 Space Posts: 873 JuliustoogyJD
    #10
    Quote:
    Originally Posted by Jizanthapus View Post
    I'm with 1st Central. Probably a shit company but it was the cheapest on confused.com and I only really need insurance for a month or 2.

    Normally I'd rather pay a little more to go with one of the larger well known insurers.
    Quote:
    Originally Posted by Jizanthapus View Post
    I'm with 1st Central. Probably a shit company but it was the cheapest on confused.com and I only really need insurance for a month or 2.

    Normally I'd rather pay a little more to go with one of the larger well known insurers.
    1st Central did come up on lists but where about 5th or 6th place.

    So far these are all me quotes and shockingly stupid prices. Considering to get a Citroen DS 3 Racing considering the insurance is almost the same just font logically make scene get a turbo car and over 200BHP and costs the same lol

    Current renewal Hastings renewal letter was 1400 for the year.
    Down to 1200 by phoning them and ranting over it.

    1st Central 2511.24
    Adrian Flux £2,250
    Prestige including car owner club £1,835.07
    Be wiser insurance £1659.29
    Swiftcover AXA Insurance UK £1337.20
    Sainsburys Car insurance £1,199.02
    Wise driving with black shit box £975.57

    Looks like got more digging to do but black block fk that for a game I am a safe driver but when comes to black box people who I know have had their insurance increase and decrease with them in. I want one good price. Guess I got more searching to do. Should of gone with me gut by canceling my insurance back in July and renewing it at a cheaper rate.
  11. Saxperience Forum Bum Joined: Mar 2012 Posts: 3593
    #11
    How are you if you don't mind me asking? And which part of the country do you live in?

    I'm mid 20's and live in a very low crime rate area, full clean licence with 7 years NCB so my insurance for most cars is pretty cheap now.

    If you haven't already I'd try adding your parents as named drivers (if they have a clean driving history) as it brings it down a bit.

    Otherwise your high prices might be down to your age/experience/location, which you can't really do anything about.
  12. Frequent Poster Joined: Sep 2013 Space Posts: 873 JuliustoogyJD
    #12
    6 years driving experience 3 years licence 3 years no claims. Aged 31 Currently in Manchester. More thinking of area as was some serious accidents beginning of year but not close to be but resist on same post code well the start of it. Even adding another driver is making it about £10 cheaper so not much wiggle room. I don't get tho how I get a £700 to £800 quotes in July this year and comes to my renewal and am getting shafted and I know nothing changed in the last month to affect it that much.
  13. Regular Poster Joined: Aug 2015 Sunny Worksop Posts: 441 1989 MK1 MR2 with V6 3.0L Camry engine
    #13
    That seems stupidly expensive do you have points & convictions? What's your profession?

    Sent from my SM-T330 using Tapatalk
  14. Frequent Poster Joined: Sep 2013 Space Posts: 873 JuliustoogyJD
    #14
    Quote:
    Originally Posted by Phaeton View Post
    That seems stupidly expensive do you have points & convictions? What's your profession?

    Sent from my SM-T330 using Tapatalk
    No points, no convictions, no tickets. Working retail adviser for o2 mobile.

    Agreed stupidly expensive even considered other cars and seems gonna pay more out trying to find a good level of cover and also being cheap at the same time. Also considering to stop driving for a few months or just continue with my current or take new out with Sainsburys and then see if can find cheaper elsewhere or just continue with hastings currently and search and then cancel insurance if finding cheaper elsewhere.
  15. Saxperience Forum Bum Joined: Mar 2012 Posts: 3593
    #15
    It's gotta be your location.

    I'm in rural North Yorkshire, I'm younger than you and I've just bought insurance for my 3.0 petrol beemer for £400 (would have been £300 if I'd bought it before it expired!!)

    Have you phoned all the companies which don't appear on comparison sites? and what car are you trying to insure?
  16. L-plater Joined: Dec 2009 Posts: 97
    #16
    Hi,
    I'm sorry couldn't be more competitive for you but thank for giving us a try.
    Regards,
    Dan.
  17. Saxperience Forum Bum Joined: Mar 2009 Stoke-on-trent Posts: 2640 Mk5 Golf GTTDI Mk2 VTR Project
    #17
    Its pretty common for renewal prices to be higher just shop around and go somewhere cheaper.
  18. Saxperience Post Whore Joined: Oct 2007 North-east - Washington Posts: 7311 Clio 182, Fireblade GSX-R 750
    #18
    Mine went down by £20 this year. I know they upped the premium tax at some point during the past year so thats made prices go up a bit. Piss take really everyone i knows insurance has either went up or is near enough the same
  19. Newbie Joined: Jul 2016 Posts: 2
    #19
    It's strange isn't it....

    I've heard this done so much but I've never had it happen to me. Either way I always call up and have a moan then end up getting it knocked down a little further.

    Have you tried any other specialists? It varies alot when you've got little driving experience and/or young. For example flux on an ATR was 1200 tpft when I was 21. Greenlight was 700 tpft. Half the price nearly for the same cover...

    My advise is to try them all....sky insurance were good, greenlight, performance direct, a-plan maybe?
  20. Frequent Poster Joined: Sep 2013 Space Posts: 873 JuliustoogyJD
    #20
    AB VTS thx for the info on greenlight, performance direct and a-plan not heard of before so will give them ago and welcome to sax p on joining here
  21. Newbie Joined: Jul 2016 Posts: 2
    #21
    Thanks pal