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Post by PG on Dec 31, 2023 10:38:49 GMT
My daughter passed her test (first time - I think I was more nervous than I was for my own) last week. Insurance on my dad's old 2010 1.4 Fiesta was £1650 or so, with a black box, which was actually better than I feared (and not much more £ for £ than my first year insurance on my Mk1 1.3 sport fiesta when I was 18 - and the £ must be worth half what it was then). Many congratulations to your daughter! You were talking about getting a Ford Ka? But a 10 year old Fiesta probably makes more sense and I suspect is as good a car. |
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Post by Big Blue on Dec 31, 2023 10:58:37 GMT
Congratulations to alf Jnr.
My older daughter (12) informs me she wants a Range Rover as her first car. I laughed quite loudly.
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Post by alf on Jan 4, 2024 9:57:09 GMT
Lu often talks about "when she can drive my cars" like its a short term probability. I see it more as a long term possibility........ The Boxster is very easy to drive and manual, but I can't see the insurance being easy, and I'd prefer her to have quite a few miles under her belt, and a skid pan course/ideally some track driving first...
I mean your daughter could just steal a Range Rover instead, seems popular around your way?? Maybe a 6th form science tech project about hacking into CANbus? We might even give her a job then as we have to hack into CAN all the time to display data in telematics that the OEM's are not so keen on us having...
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Post by Big Blue on Jan 4, 2024 10:00:13 GMT
I worked with a Finnish girl once and we were talking about driving parents' cars, when I used to drive across Europe at the helm of various of the W124s. She said "Well, my dad won't look at any of his Astons". Any of them......  |
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Post by rodge on Jan 5, 2024 20:03:39 GMT
Just received my insurance renewal.
Massive reduction of €12.58, and they’re only crediting me with one years no claims bonus.
It’s my third year with them and I’ve almost 30 years of no claims insurance in 2 countries.
Time to try some other companies I think.
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Post by ChrisM on Jan 22, 2024 21:40:46 GMT
T-Cross renewal received overnight by email: Last year £360, this year £520.
Shopping around online I can't get it any lower. I know I got a good deal last year but this is somewhat ridiculous, more expensive than the Kuga which also has class 1 business use on the policy but is about 20 insurance groups higher up the scale
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Post by LandieMark on Jan 22, 2024 22:23:42 GMT
Pickup has increased from £450 to £560. All other quotes are higher as well, so it seems I am stuck with it.
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Post by Grampa on Jan 24, 2024 16:19:47 GMT
Congratulations to alf Jnr. My older daughter (12) informs me she wants a Range Rover as her first car. I laughed quite loudly. Mt ganddaughter (15) wants a Fiesta ST - same as one of her friends - the difference is his family have a fleet that includes a top of the range VW T5, a Porsche or two, and a new Defender. I did get her a private plate for her Christmas present this year though. A girl in my class in school passed her test in the family Range Rover, but in 1978 they were still mostly seen as a farmer's car. |
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Post by Grampa on Jan 24, 2024 16:25:58 GMT
Lu often talks about "when she can drive my cars" like its a short term probability. My daughter was 33 before I let her drive the Scirocco! - and then it was only because I had a fishing hook stuck in my hand and she drove me to the Fire Station to get it out. Daughters and sons-in-law are all insured to drive the Elgrand - above daughter won't drive it because of the size, other daughter at one point had a 50:50 record of bringing it home intact or with a scratch  |
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Post by Martin on Jan 24, 2024 19:19:57 GMT
Pickup has increased from £450 to £560. All other quotes are higher as well, so it seems I am stuck with it. I’d accept that before they change their mind! I’ll be relieved if my renewal is less than double last year. |
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Post by LandieMark on Jan 26, 2024 16:41:55 GMT
Pickup has increased from £450 to £560. All other quotes are higher as well, so it seems I am stuck with it. I’d accept that before they change their mind! I’ll be relieved if my renewal is less than double last year. Mods declared as well. I've been getting quotes well into four figures which is ludicrous. I've removed the A Bar and added a small suspension lift and no change to the price. Happy days. |
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Post by ChrisM on Feb 6, 2024 17:49:50 GMT
T-Cross renewal received overnight by email: Last year £360, this year £520. Shopping around online I can't get it any lower. I know I got a good deal last year but this is somewhat ridiculous, more expensive than the Kuga which also has class 1 business use on the policy but is about 20 insurance groups higher up the scale A few minutes on the phone checking and amending details and I've renewed at £447, just beating the cheapest alternative I had found online by similarly altering a few details (such as excess, miles per year). Result. |
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Post by bryan on Feb 6, 2024 18:17:39 GMT
I've had the Audi insurance through, it has gone up by £40 to £380, which given all the horror stories doesn't seem too bad!
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Post by ChrisM on Feb 7, 2024 18:38:21 GMT
I've just had my house insurance renewal through - also gone up by a lot, around 40% to 50% so I'll be shopping around for that too :-(
Again I've been told it is the norm as building costs have risen enormously, just like car spares prices.........
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Post by LandieMark on Feb 7, 2024 20:45:12 GMT
I was with AXA on the house insurance on unlimited buildings and that went up to £800 or so from £500. I've got it back to nearly that with Hastings at £1m buildings cover and pretty much the same contents.
It does sometimes pay to shop about.
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Post by Tim on Feb 8, 2024 8:43:22 GMT
Our house insurance renewal quote from LV was ridiculous.
Shopping around got us to approx 33% of their price.
There is nothing gained by loyalty to these organisations
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Post by ChrisM on Feb 8, 2024 18:39:13 GMT
I've tried Tesco home insurance as a clubcard holder and can more than halve the renewal so guess where I'll be going...
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Post by Boxer6 on Feb 9, 2024 21:37:17 GMT
My recovery is with Green Flag, who have consistently been cheaper than the usual AA/RAC options. Got the renewal through for £155 and pennies this year, but forgot to do it until just now. Went on their website, but because it had lapsed, couldn't renew. So I got a new policy for .. .. £105!! Same cover, same car, same everything .. .. 30-odd% cheaper to let it lapse!!  |
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Post by Tim on Feb 13, 2024 8:39:46 GMT
My recovery is with Green Flag, who have consistently been cheaper than the usual AA/RAC options. Got the renewal through for £155 and pennies this year, but forgot to do it until just now. Went on their website, but because it had lapsed, couldn't renew. So I got a new policy for .. .. £105!! Same cover, same car, same everything .. .. 30-odd% cheaper to let it lapse!! How much! I'm with Green Flag and mine was £63 this year. You must have lots of extras. The premium actually fell £1.50 this year. |
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Post by Boxer6 on Feb 13, 2024 13:21:08 GMT
My recovery is with Green Flag, who have consistently been cheaper than the usual AA/RAC options. Got the renewal through for £155 and pennies this year, but forgot to do it until just now. Went on their website, but because it had lapsed, couldn't renew. So I got a new policy for .. .. £105!! Same cover, same car, same everything .. .. 30-odd% cheaper to let it lapse!! How much! I'm with Green Flag and mine was £63 this year. You must have lots of extras. The premium actually fell £1.50 this year. Home recovery and "any car". For work purposes, as I don't want stranded in a colleagues old, cold car!! |
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Post by racingteatray on Feb 13, 2024 23:45:28 GMT
I was with AXA on the house insurance on unlimited buildings and that went up to £800 or so from £500. I've got it back to nearly that with Hastings at £1m buildings cover and pretty much the same contents. It does sometimes pay to shop about. Home insurance is a nightmare - the moment you might have anything remotely valuable in terms of contents, especially stuff you want cover for outside the house, the premiums head rapidly for unlocked Range Rover levels of insanity. And policies seem to come in one of two forms: (a) bog-standard; or (b) apparently aimed at Succession-types with valuable art collections in their Belgravia townhouses, with nothing in between. The former is cheap(ish) but inadequate in terms of cover and the latter is bollock-crushingly expensive and completely OTT in terms of cover. |
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Post by Tim on Feb 14, 2024 10:53:40 GMT
How much! I'm with Green Flag and mine was £63 this year. You must have lots of extras. The premium actually fell £1.50 this year. Home recovery and "any car". For work purposes, as I don't want stranded in a colleagues old, cold car!! I don't think I have home cover but do have any car. I've also got the M5 as the 'named' car on the policy as otherwise they don't cover vehicles over 15 years old. |
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Post by Big Blue on Feb 18, 2024 11:08:46 GMT
Renewal on the Mini. £90 increase from John Lewis which is 25% up. The Meerkats were queried, including the claim I had for a car park bump last spring.
The RAC were not the cheapest response but the one I’d actually want to be insured by. Same price as JLP’s last year.
Insurers are morons.
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Post by PG on Feb 18, 2024 14:43:43 GMT
I was with AXA on the house insurance on unlimited buildings and that went up to £800 or so from £500. I've got it back to nearly that with Hastings at £1m buildings cover and pretty much the same contents. It does sometimes pay to shop about. Home insurance is a nightmare - the moment you might have anything remotely valuable in terms of contents, especially stuff you want cover for outside the house, the premiums head rapidly for unlocked Range Rover levels of insanity. And policies seem to come in one of two forms: (a) bog-standard; or (b) apparently aimed at Succession-types with valuable art collections in their Belgravia townhouses, with nothing in between. The former is cheap(ish) but inadequate in terms of cover and the latter is bollock-crushingly expensive and completely OTT in terms of cover. I agree on the house and contents costs. We originally had an unlimited rebuilding clause in our policy when we bought the house 30 years ago, but the costs became ridiculous. But as we are a curtilage listed barn conversion, with outbuildings, nobody would touch us unless we had a survey done and a rebuilding valuation done. Which we did and so we were able to move. But costs have been creeping up again with NFU but I'm not sure I can face another £1-2k bill for another rebuilding survey to even potentially move again. But the survey did show why so many people go bust doing barn conversions. Including our garage, stables and and outbuildings, if we had a catastrophic loss of everything the rebuilding value is about 2 -3 times what our house is probably worth! |
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Post by Andy C on Apr 4, 2024 18:23:07 GMT
Car insurance - I’ve just experienced the dreaded crazy price increase we are all expected to put up with
Mine is on a classic policy , all mods declared, with an agreed value with Lancaster. Last year I paid £200.11. My renewal come through at £300. I’ve just called them and they can do it for £265. Agreed value , legal cover, all the trimmings bla bla
£265 might not sound a lot but it’s just the principle of it 😡
Flux wanted over £400! I’ve put callback requests to other Classic insurance firms like Footman James now just to see. Some firms the car has to be 20+ years, but some do offer 15+
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Post by alf on Apr 5, 2024 9:29:40 GMT
I renewed the Boxster with Hastings in late March before going off to Cyprus for some sun - it was £349 after a lot of haggling, down from £482 on their renewal! They have an infuriating process to decline the renewal that was taking ages, amazingly they got close enough to the £330 or so AXA wanted via Confused.com, so I renewed. It took a long time, and many gos to even speak to someone. Again the principle is annoying (3 years ago - with zero no claims on this second policy - it was sub £250) but I don't feel too hard done by. I'm more worried about the Alfa one in the summer, as I can tell just from the QF FB group how many get stolen.
The Boxster is now untaxed. I always forget the MOT date on that one for some reason, this time it was the end of March, so I could not renew the tax DD without an MOT, and I could not get an MOT anywhere local until next week, so the government refused to take the (substantial) tax payment from me and I'm now scared to use it. I don't mind driving a car a week past the MOT expiry with an appointment booked next week, but mess with the tax people and they bite, there are cameras everywhere. It seems a pretty crazy system, if the insurance check as well, it would be fairly easy to end up with no insurance tax or MOT if they all expire at the same time, while they all rely on the others to be in place...........
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Post by johnc on Apr 5, 2024 13:58:41 GMT
I haven't done it with the M5 but I always used to put 6 months tax on the car just once, so that the MOT and tax weren't due at the same time. When they fall at the same time it is a real pain.
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Post by PG on May 1, 2024 6:20:05 GMT
Had the Discovery Sport renewal through (NFU Mutual) at £1,225. Yes that's right. £1,225. It does include livestock trailer recovery, which bumps up the cost and is very hard to get from other insurers. But even so. I think last year annualised out at about £850.
I've disabled the keyless entry but could not get a discount for doing that.
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Post by humphreythepug on May 2, 2024 14:10:43 GMT
My youngest had her renewal through recently she is 25, 7 years no claims, it went up from £32pm to £70pm, no claims or points ever, they also wanted a minimum £550 excess, she shopped about but only managed to get the monthlies the same with an excess reduced to £250 through someone else, the original company wouldn't budge on anything.
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Post by johnc on May 2, 2024 15:07:52 GMT
Now the insurance companies have pulled all our pants down with their hugely increased premiums you can bet they won't reduce them when the supply chain finally gets sorted and parts no longer take 3 or more months to source. I really don't believe that they need to double the premiums to make car insurance financially viable again.
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