Insurance time again

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Just renewed mine.
I upped the coverage and it’s jumped quite a bit (about $600 a year to $2k for 2 cars and 2 drivers), despite me now having fully comp and about 7 years driving here.
I did wonder, this is the first car I have that has a loan against it. Does the price of the policy get affected by the ownership of the car? If my name is on the title deed, is the policy lower?

Who's it with Mike? Classicline have always been good but you still need to fill in a form and pictures to send off, they have never come back a second time, but they do need to separately agree it

The so called service is Adrian fux. Every year the same old crap but it goes on longer for each year.

Thanks, I feel a shift in the force is coming.

Sound like that is against your right to justice, if the law say's it is void/expired, that should be that. IMHO, of course. What do you think Racing?

I'm sure the response from the insurance industry will be that any (small) reduction in motor vehicle claims will be more than offset by the losses incurred in other markets they are involved in. Hence the 20% rise in premiums. 

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The roads were notably busy yesterday when I went for my exercise bike ride, and busier still today when I had to go into work for the morning. The standard of driving at the moment is dire, many middle lane hoggers on the M3, including onein lane 3 of 4 on a practically dererted stretch on the way home.

Also the variable speed limits are out to generate revenue, 40mph limit in force from the M25 joining the M3 then staying in place for several miles despite light traffic levels (around 1:30pm).... I wonder if it picked up vehicles travelling close together in the inside lane (plenty of trucks and vans about) and decided that the motorway was very busy as a result, without taking into account that there was little in the other 3 lanes? Whatever, very annoying and of course the usual idiots who totally ignore the posted limits and blast past at warp speed

I had the insurance renewal notice from Peter Best Insurance for the Standard. Trying to call them, I was was put on hold and cheerfully informed that I was number seven in the queue. Having repeatedly been told how important my call was to them, 10 minutes later I was disappointed to hear that I was still seventh in the queue. Bollocks to this I thought, as I hung up and called Hagerty Insurance. They answered straight away and provided a quote £10 cheaper than Peter Best. Guess who got the business?

The reason they lower the limit when there is seemingly no traffic jams is due to pollution levels. They have local air quality monitoring stations and when these detect pollution to be too high they reduce the speed limit to help bring it down.

Nope, the patrolling of motorways by actual cars (police or HATO) or by CCTV is dire.  That's one reason why smart motorways are now being pasted - because the detection of broken down vehicles etc that was promised to be "immediate" is taking 10, 20 minutes or more.  Sometimes the CCTV cameras are not working which means that there are many miles of smart motorways where "the authorities" actually have no idea if there's anything going on or not

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Confused.com do a search of short term policies, would be worth a look to see what the difference is vs what you'd save by not having to declare the incident

They have called me three times in the last two days to have a go at me, they state they are only going to accept a valuation of £y rather than £x so I have to get over it.  I told them they had accepted the valuation by default and they slammed the phone down on me.  I wonder if their next letter will be cancelling the insurance.  Arseholes.