TTR 509 Report post Posted January 6, 2017 So.... When I insured my car last year, 1 month after I passed my driving test, it cost me a grand total of £850 to insure. Now that I have 1 year of driving experience and 1 years NCB I'm looking at £1600+ to insure my car. I haven't changed postcode or anything, every detail is still the same apart from gaining NCB and Driving experience. So my question is two fold, to the club insurers on here that either haven't been able to quote me (All of them)....Can you shed some light and justify how the F*** my insurance has F****** doubled despite getting more driving experience and NCB . To the members on here, I have tried Sky/AIB/Flux/Aviva/Direct Line and they won't quote me, are there any other insurers that I can try? (The likes of Greenlight and CKI won't insure me due to my age and the length at which i've held my license). So yeah pls help Share this post Link to post Share on other sites
Mike 458 Report post Posted January 6, 2017 How young are you? I can't help but think your current insurer may have messed up somewhere, less than a grand is cheap for first year insurance! Share this post Link to post Share on other sites
Devo 7 Report post Posted January 6, 2017 Confused.com Share this post Link to post Share on other sites
Paul 442 Report post Posted January 6, 2017 Your first year's sounds well cheap. Was that including your mods? Share this post Link to post Share on other sites
alucardo 55 Report post Posted January 6, 2017 850 for your first year is incredible. Share this post Link to post Share on other sites
TTR 509 Report post Posted January 6, 2017 41 minutes ago, Mike said: How young are you? I can't help but think your current insurer may have messed up somewhere, less than a grand is cheap for first year insurance! I'm 20 years old. When I insured the car I didn't have mods on it, when I put the mods on it came to £980 for wheels, stickers, wrap, coilovers, exhaust and remap. Confused.com/Go Compare/Compare the Market quotes are coming out at £2,500 Share this post Link to post Share on other sites
Steeps 294 Report post Posted January 6, 2017 Add a parent with no accidents to the policy as a named driver (not you as the named driver) even if they have no intention of driving the car. Might cut some of the risk and drop the quote price for comparison sites. 1 TTR reacted to this Share this post Link to post Share on other sites
TTR 509 Report post Posted January 6, 2017 2 minutes ago, Steeps said: Add a parent with no accidents to the policy as a named driver (not you as the named driver) even if they have no intention of driving the car. Might cut some of the risk and drop the quote price for comparison sites. So, when I called Admiral it puts the price down to take them off for my renewal. But on comparison sites, as you said. It brings the price down. Am I the only one to see their insurance nearly double in price this year? Share this post Link to post Share on other sites
Paul 442 Report post Posted January 6, 2017 5 minutes ago, TTR said: So, when I called Admiral it puts the price down to take them off for my renewal. But on comparison sites, as you said. It brings the price down. Am I the only one to see their insurance nearly double in price this year? Even my renewal was only up by a fiver. And that was with all the extra mods. But I'm old and boring now (28, 5 years exp, 5 years NCB, married, homeowner). Share this post Link to post Share on other sites
Steeps 294 Report post Posted January 6, 2017 My renewal stayed the same, but when I called to add the wheels suddenly I was asked about the performance enhancements of my air filter and exhaust even though they had been on the car for 2 years and declared as a 10% increase in power, then hiked the price up 20% to add the alloys because the car was suddenly too sexy and it would be stolen, decided not to explain that they were a summer wheel only and the stock ones would be on in winter as they'd probably want another 20% increase because I want a safer tyre on the road. Share this post Link to post Share on other sites
Mike 458 Report post Posted January 6, 2017 My renewal didn't change, but then I changed companies and saved 10%. I'd put your details in the same as last year (so 0 ncb etc) and see what figures you get... you probably won't get £850 again! Share this post Link to post Share on other sites
Tim@Prestige 13 Report post Posted January 6, 2017 Pity. Our scheme starts at age 21 Kind regards Tim Prestige Keep Moving Insurance Scheme http://www.prestigekeepmoving.com 0800 3308057 or 0333 4001580 Share this post Link to post Share on other sites
zhuonanli 14 Report post Posted January 6, 2017 That is not a bad price at all mate, Im 22 and still paying £1300 for insurance. My first year insurance was a pug 206 and it was £4000+ ! Share this post Link to post Share on other sites
HariboPenguin 116 Report post Posted January 6, 2017 1 hour ago, TTR said: So, when I called Admiral it puts the price down to take them off for my renewal. But on comparison sites, as you said. It brings the price down. Am I the only one to see their insurance nearly double in price this year? If you're with Admiral just say you got a lower price elsewhere, somewhere near the amount you'd be happy to pay and you are thinking of switching if they can't do a better deal, you'll be surprised how much they knock off. Got my renewal price knocked down by £150 last time I did mine. That said, I'm 21 with 4 years NCB and still paying £1250 with Exhaust and Wheels declared so I think you got one hell of a deal for your first year. Share this post Link to post Share on other sites
nikndel 509 Report post Posted January 6, 2017 I have a multi car with them every year they ramp up the price and we do a deal I had a slight lncrease this year but changed my wife's KA for a new Mini but I could easily go to separate companies owing to my increasing age Share this post Link to post Share on other sites
rob275 1817 Report post Posted January 6, 2017 I'm sorry but at £1600 you shouldn't be sniffing at it. It's a reasonable price given your circumstances. Unfortunately if you're under 21 for the first few years you just have to suck it up and pay. That's the way it is. I still don't pay under £1k even now. They simply made a mistake in your first year. Share this post Link to post Share on other sites
Deacon 1357 Report post Posted January 6, 2017 Sorry to say it but I also think they screwed up last year. My nephew pays more than you did on a boggo seat Ibiza, nice postcode, etc and he's a year older than you with ncb, etc Share this post Link to post Share on other sites
Minion 132 Report post Posted January 6, 2017 I'm 20 got 3 years no claims, live in the middle of no where and my insurance is £1600 Share this post Link to post Share on other sites
Paul 442 Report post Posted January 6, 2017 Jesus you lot paying >£1300 have my pity. Share this post Link to post Share on other sites
Tareim 343 Report post Posted January 6, 2017 you need to change your job , I work for the NHS and it only cost me around 650 with mods declared, was a lot more when I didn't declare my job was with the NHS but as other have said, it's likely they screwed up with your details in your 1st year Share this post Link to post Share on other sites
Lauren 2259 Report post Posted January 6, 2017 To be fair, 1 years NCB is nothing and your age is going to hugely count against you. I can scarcely believe that you got it for £850 in the first year. I guess all you can do is shop around. It's why being young is so over-rated. Good luck with finding a better quote, but like other's have said it may well be that you got lucky in your first year. If you've changed jobs that may have an impact. As a social worker for example I reckon it whacks my premium up, but it doesn't matter that much as I've been driving nearly 29 years and have full NCB, so it's never going to be too expensive really whatever I drive. Share this post Link to post Share on other sites
Ztox 230 Report post Posted January 6, 2017 They must have messed up that first year quote, it's amazing that you got it that cheap. Hell, £1,600 is still mighty cheap for your age with 1 year NCB, £2.5k although silly is what I'd expect you to get quoted. When I was your age with 3 years NCB I was paying over a grand to insure an 8V Golf Getting a parent involved is probably your best bet man, good luck Share this post Link to post Share on other sites
Keethos 842 Report post Posted January 6, 2017 Probably doesn't help with the number of 86s that have binned it this year, or even the number of accidents in many vehicle in your area can affect the price. Like others have said, first year at £850 is mega cheap. Did you have any advanced driving tuition? I've heard they only affect your premium for the first year or something. Sent from my EDI-AL10 using Tapatalk 1 nikndel reacted to this Share this post Link to post Share on other sites
nikndel 509 Report post Posted January 6, 2017 35 minutes ago, Keethos said: Probably doesn't help with the number of 86s that have binned it this year, or even the number of accidents in many vehicle in your area can affect the price. Like others have said, first year at £850 is mega cheap. Did you have any advanced driving tuition? I've heard they only affect your premium for the first year or something. Sent from my EDI-AL10 using Tapatalk Couldn't agree more with cars damaged or write offs to percentage of cars sold in UK the ratio must be terrible Share this post Link to post Share on other sites
surrey86 352 Report post Posted January 6, 2017 Yeah it's a bit worrying, the car could end up getting blacklisted like S2000's given the amount that are getting crashed. Share this post Link to post Share on other sites
