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Post by ChrisM on Nov 10, 2020 22:53:24 GMT
I pay more for my Kuga insurance than John pays for his M5 ! A victim of where I live, unfortunately.
No, with covid around and lockdown prevailing, I don't need it. But if/when things return to some form of normality and I need to commute to work again, or can drive for pleasure" at week-ends, or on days off from work etc, then I'll need it again
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Post by racingteatray on Nov 10, 2020 23:29:58 GMT
You pay more for your Kuga insurance than I do for mine. It sounds like it’s a car you don’t need. The same observation and thought crossed my mind. And I live in central London! |
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Post by LandieMark on Nov 10, 2020 23:36:52 GMT
Land Rover is about £450 including over £100 of European breakdown cover and all mods declared. Mazda is £170.
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Post by Tim on Nov 11, 2020 8:57:39 GMT
Chris, I don't think removing your wife from the policy will save you any money.
I know it used to be the case that having yourself plus a female on the insurance brought it down a bit.
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Post by johnc on Nov 11, 2020 9:23:23 GMT
My broker has warned me that insurance rates are going up so I will see an increase this year! How much he didn't say.
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Post by Andy C on Nov 11, 2020 9:32:46 GMT
I pay more for my Kuga insurance than John pays for his M5 ! A victim of where I live, unfortunately. No, with covid around and lockdown prevailing, I don't need it. But if/when things return to some form of normality and I need to commute to work again, or can drive for pleasure" at week-ends, or on days off from work etc, then I'll need it again Drive for pleasure at weekends in a kuga ? Really ? Why don’t you just sell them both and get a Focus which will do all you need |
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Post by ChrisM on Nov 11, 2020 18:30:05 GMT
The Kuga was the main car with the Fiesta the "fun" car for week-ends, a throwback to 2014 when we needed a car in a hurry for a few months and I got the Ka on a PCP deal. It proved so useful to have a small car and I was able to afford to keep it when the need for it shrank... then I was able to change it for the Fiesta, again on PCP initially. It's zero VED so costs just a few hundred a year to run (insurance, servicing and MoT)... but a lot in elbow-grease (washing it regularly) and I wouldn't want to let it go. The real issue is how long are we going to be WFH and have severe restrictions placed on travel and visiting others? It's February since I have seen my grand-kids, for example
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Post by Alex on Nov 12, 2020 23:07:40 GMT
You were able to see the grandkids since late June until late October, did you really not manage to get out to them over the summer? I'd be looking to get out of the Kuga and save the money, no point wasting it renting a car you never use. I reckon WFH is going to be until mid March at least and even then a lot of people wont be back in their offices.
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Post by ChrisM on Nov 13, 2020 9:18:40 GMT
^
Nope, because elder daughter and her partner have his mum nearby and she's a "vulnerable" person so they wanted minimal contact with anyone outside their household/immediate bubble. She came back down south a couple of times to deposit stuff from her former house with her ex etc, but never set foot into our house or mu mum's house - stood outside and chatted at a distance. The grandkids haven't been down south with her since February.
I don't "rent" the Kuga, I bought it outright at the end of its PCP just after Lockdown1 started (on the basis that initially, Lockdown1 was going to last just 3 weeks...... I know, you can tell when a politician is lying, it's when his lips move.....)
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Post by ChrisM on Nov 13, 2020 20:05:15 GMT
Just put some data into the RAC website and they can do the insurance for under £300 pa, so an immediate saving of £200 or around 40%. Wonder what the broker will say to this when I speak to them on Monday?? I have a feeling they won't be getting the business this time round
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Post by johnc on Nov 14, 2020 10:20:46 GMT
Just put some data into the RAC website and they can do the insurance for under £300 pa, so an immediate saving of £200 or around 40%. Wonder what the broker will say to this when I speak to them on Monday?? I have a feeling they won't be getting the business this time round One of the problems brokers face is that the insurance companies discount policies through the comparison sites as and when demand dictates they need to reduce the price a bit. Brokers can't access those prices. However there are also special deals from time to time for certain brokers from companies they provide a lot of business to. It's a bit like leasing a car: the price you get today might not be there tomorrow and the company who was cheapest last week might be the most expensive next week. |
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Post by johnc on Nov 24, 2020 8:04:42 GMT
Just got my renewal in. It is a scarcely believable £441.41 and has put a big smile on my face. I was expecting nearly double that!
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Post by Tim on Jan 6, 2021 16:57:34 GMT
I got my renewal on 21st December as a slightly early Christmas present. £1,051 for all 5 cars. That's £100 more than last year. Anyway just spent an hour on the phone (45 mins of that waiting to speak to a human) and got the price down to £851. The drinks are on me  |
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Post by ChrisM on Jan 6, 2021 19:24:03 GMT
I ended up insuring the Kuga with LV direct, for just over £220. Result
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Post by Stuntman on Jan 6, 2021 21:50:38 GMT
My renewal quote is about 15% more than last year's would have been, had I had the GTS a year ago.
Not impressed. Will be on the phone to them tomorrow asking why that could possibly be the case, given that the risk must have gone down (fewer journeys being undertaken by fewer cars on the road must surely reduce the risk of claims - and I doubt if there is an increased risk of theft).
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Post by ChrisM on Jan 7, 2021 8:33:56 GMT
^
Insurance make up some good "tales"... yes, fewer cars on the road but people are driving less, so have "forgotten" how to drive hence are an increased risk etc.
When I received the initial quote for the Kuga, I queried the rise stating that following the announcement of lockdown1, it had been off the road and SORN'd for 2 full months, and had been driven under 500 miles since i re-taxed it from 1 June 2020. When they tried the "lack of driving, increased risk" I reminded them that I had another car that I had been using, so was still "in practice" with driving, but of course that had no effect on the renewal quote, hence I started shopping around in earnest
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Post by Tim on Jan 7, 2021 10:22:29 GMT
To try and help give them a reason to reduce the quote I was asked what the various car mileages were.
E.g on the renewal the 320 is at 10k p.a. Not sure what I was meant to say given the circumstances of the last 10 months but told them to leave as is in the assumption that things return to normal at some point before next renewal.
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Post by Andy C on Apr 6, 2021 16:32:29 GMT
Just had my renewal through . £309 from Flux.
Did a comparison site search and the cheapest was £209(!)from first central . It had no legal cover , so adding that put it up to £245
I phoned Flux and said can you price match , which they luckily agreed to . add in the £25 fee to drive any other car fully comp and it come out at £270 which I’m really pleased with .
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Post by Martin on Jun 3, 2021 9:40:56 GMT
Time to renew my car insurance. The renewal quote was £847 vs £839 last year, so not too bad on the face of it, but after a couple of searches I found the same level of cover/excess for £678. That was a stand out quote though, as the next best quotes were from £860 upwards and interestingly my current provider didn't come up in any of the searches (not in the sub £1000 quotes anyway). I don't normally give companies a chance as I don't like it if you're not given the best price up front, but I called them this time as it is less hassle not having to change and I wasn't 100% there on the other quote as I'd have to get them to add the side steps (Dealer fitted accessory). That might have been OK as it was last year, but you never know. The end result is I was given a price of £682, so I've stuck with them.
I've had a look back and that's the cheapest insurance since the 535d in 2016 before it went up to £800 in 2017, which cost a further £275 for the 8 months remaining on the policy when I bought the 750.
I started to look at Direct line, but they want you to list all options as well as accessories, including metallic paint....do I didn't get any further than the first couple of sections.
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Post by Roadsterstu on Jun 5, 2021 23:20:59 GMT
One annoying thing with insurance companies (of many) is that technology that in theory at least reduces risk- City Safe, adaptive cruise, BLIS, Lane keep assist, etc. etc. gets absolutely no discount whatsoever.
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Post by bryan on Jun 6, 2021 7:41:30 GMT
Probably because if you do have a bump it costs a fortune to fix!
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Post by alf on Jun 8, 2021 11:16:50 GMT
My renewal letter came in last night for the Jag. £515 last year, £485 renewal quote. Presumably prompted by the recent legislation changes (are they even in force yet)? A welcome surprise anyway. It was Churchill - who I also use for the Porsche.... Offsets the tax a bit I suppose - that's due as well  |
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Post by Martin on Jun 8, 2021 12:03:12 GMT
My renewal letter came in last night for the Jag. £515 last year, £485 renewal quote. Presumably prompted by the recent legislation changes (are they even in force yet)? A welcome surprise anyway. It was Churchill - who I also use for the Porsche.... Offsets the tax a bit I suppose - that's due as well Mine is with Churchill and a 5 min phone call got a good discount, so worth a go. |
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Post by alf on Jun 8, 2021 16:32:07 GMT
I take back any good vibes about Churchill. I called them about the renewal as I recalled I had gone for their "plus" cover when I did the Porsche, and was not sure if this renewal was for that - also I wondered if I was getting 2-policy discount.
Total fail. After 3 goes, no one knew how to deal with both the old policy and new policy types (sounds like "plus" only happened in the last year). I think my old policy is now cancelled and not renewing. No one can yet tell me if the "plus" policy includes what I want (European cover and breakdown) or give me a quote for it. 45 mins of mostly being on hold - FFS!
I get this whenever I call one of the pension companies I have more than 1 policy with - they are clearly completely different products from acquisitions and no-one seems to have access to all the systems..........
So tomorrow I try again - I'm trying to renew the warranty and insurance, so need to know what products I'm getting, as both can be had with or without breakdown.
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Post by Roadsterstu on Jun 13, 2021 17:05:43 GMT
Probably because if you do have a bump it costs a fortune to fix! Funny how it only works one way... |
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Post by alf on Jun 15, 2021 10:55:22 GMT
This has now become a monumental waste of time (though on I am not worried about using work's time for as that's traditionally the main use of this car). Churchill wanted far more than the renewal quote for their policy type that includes fully comp insurance abroad.
Adding points seems suddenly to make a huge difference - Tina's went up by £150 odd and mine is looking much the same because she has 3 points from the last year.
What I struggle with the most now is windscreen cover (I do fairly regularly get through them, perhaps one every 2 years), and some insurers like LV want £150 or more for the excess for replacing them, others are £50-70 which seems more typical.
Then there is European cover - if I accept I may need to notify them (which not all require, and seems a faff) then there is still variation - for no obvious price differences - between those that offer fully comp and those that offer 3rd party cover only, when abroad. I need the former, for sure. But trying to find one at a decent price, with an acceptable windscreen cover, and fully comp European cover, and not rated poorly by the likes of "Which" magazine seems a challenge - Sainsburys are looking the best right now...
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Post by Big Blue on Jun 15, 2021 11:10:05 GMT
Just renewed house insurance. £100 saving like for like on a price of £470 v £370. That's a huge percentage difference, both from reputable insurers (ok, I got additional discount this year from my life insurer being the same but not that much!)
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Post by Big Blue on Sept 18, 2021 7:45:22 GMT
Well that was fun.
Called the broker that has managed the insurance for the Gorilla to get a quote on the 530e. The Gorilla, a 500+ bhp 5 series estate was under £500 with NCD applied last year. Best quote he could get was £1,320.
Direct Line are £580 and are cheaper than anything on CompareTheMarket. Given it’s a price driven market for a compulsory product and I have gap insurance they’re getting the business.
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Post by LandieMark on Sept 18, 2021 8:39:19 GMT
Direct Line have a decent reputation, I think. It is who the pickup is with as they are reasonable for commercials.
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Post by racingteatray on Sept 19, 2021 15:20:40 GMT
It’s always a complete lottery depending on you, what you do, what you drive, when you got it, what you do with it, where you live etc.
Different insurers seem to like different profiles. I’ve never had anything remotely competitive by way of a quote from Direct Line for example. They might surprise me come November but I’m not holding my breath.
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