What's happened to car insurance?

picky747 · 17th June 2010, 14:48

Just been doing my annual trawl of the comparison sites as my insurance is due in a few days and from last year it has nearly doubled with most companies quoting £600 plus (age 52 with 9+ NCD).Been insured with Swiftcover for two years now and went online to complete the renewal as it was cheapest of them all only to find that they do not insure cat D cars,which mine is.They hold this information on their database and there is no legal obligation on the owner to find out this information so why don't they run your registration through the database when they accept your premium?This is the best quote of all though and I'm tempted to go for it,just got to find the £13,479 deposit and I'm good to go

any recommendations for insurance companies that will cover cat D cars at a reasonable price?

Joseph · 17th June 2010, 15:04

Holy NAUGHTY WORD-NAUGHTY WORD-NAUGHTY WORD-NAUGHTY WORD-! Theres got to be something wrong there.

And even £600 for 9+ years NCB and 52 seems very pricy!

There are a few companys that deal with only over 50s, this might cut the price down (not sure by how much, but I'm also not sure if they are on comparison websites)

WeeMan · 17th June 2010, 15:10

Check your details again, maybe even change your career on the quote! lol.
I'm 40 with 9+ NCD, and I'm a touch over £200 fully comp with Kwik-Fit Insurance.

N1&EPR · 17th June 2010, 15:11

Car insurance seems to have rocketed of late, something ado with the bumps people had this winter and personal injusry claims I've been told.

Sad when it's hitting guys like us, whom I would have thought were prety low risk in the grand scheme of things.

picky747 · 17th June 2010, 15:14

I think my postcode is a big factor and I did try SAGA for the over 50's and they were in the £600+ group

N1&EPR · 17th June 2010, 15:21

Quote:

Originally Posted by picky747

I think my postcode is a big factor and I did try SAGA for the over 50's and they were in the £600+ group

Same here as well, my postcode is on the 'oh dear God' list I think

Joseph · 17th June 2010, 15:28

I like next to whitehawk in Brighton, I have to pay a few hundred more for where I live which is odd because there is no crime on my street on in my immediate area, just nearby!

Fortunately for me a few hundred wasnt that big a different relatively

I am in a very high risk group!

Joseph · 17th June 2010, 15:32

try castle cover (Just saw an advert for them) Not sure if they're any good but no harm in trying.

picky747 · 17th June 2010, 16:18

Just tried Castle cover,came up at £629

Just phoned Adrian Flux and have gone for TPF&T at £447 with key cover and some legal protection cover.No point going fully comp as they would only pay out a percentage due to the cat D.
Axa quoted £340 fully comp but won't touch it ,again because of the cat D.

W7 NSW · 17th June 2010, 18:36

Wow... I've just recently come to that time of year and couldnt believe the increase too! Mine has risen by almost £150 and that is with 9 yrs NCB with no bumps! Crazy!

A couple of companies who I have always had a pleasure in doing business with and have offered very good quotes are Adrian Flux and also Admiral... Good luck in the search for the cheapest!

17th June 2010, 14:48	#1
picky747 Gets stuck in ROVER Join Date: Sep 2008 Location: Vera Posts: 746 Thanks: 56 Thanked 111 Times in 85 Posts	What's happened to car insurance? Just been doing my annual trawl of the comparison sites as my insurance is due in a few days and from last year it has nearly doubled with most companies quoting £600 plus (age 52 with 9+ NCD).Been insured with Swiftcover for two years now and went online to complete the renewal as it was cheapest of them all only to find that they do not insure cat D cars,which mine is.They hold this information on their database and there is no legal obligation on the owner to find out this information so why don't they run your registration through the database when they accept your premium?This is the best quote of all though and I'm tempted to go for it,just got to find the £13,479 deposit and I'm good to go any recommendations for insurance companies that will cover cat D cars at a reasonable price?

17th June 2010, 15:10	#3
WeeMan Posted a thing or two Mazda MX5, BMW 520i Join Date: Feb 2007 Location: Sunny Ayrshire Posts: 1,498 Thanks: 2 Thanked 4 Times in 4 Posts	Check your details again, maybe even change your career on the quote! lol. I'm 40 with 9+ NCD, and I'm a touch over £200 fully comp with Kwik-Fit Insurance. __________________ http://www.sloganizer.net/en/style8,ZTT.png

17th June 2010, 16:18	#9
picky747 Gets stuck in ROVER Join Date: Sep 2008 Location: Vera Posts: 746 Thanks: 56 Thanked 111 Times in 85 Posts	Just tried Castle cover,came up at £629 Just phoned Adrian Flux and have gone for TPF&T at £447 with key cover and some legal protection cover.No point going fully comp as they would only pay out a percentage due to the cat D. Axa quoted £340 fully comp but won't touch it ,again because of the cat D. Last edited by picky747; 17th June 2010 at 17:45..

17th June 2010, 15:04	#2
Joseph Gets stuck in Rover 75 Club Saloon Manual CDT Join Date: Mar 2010 Location: Southampton Posts: 559 Thanks: 0 Thanked 1 Time in 1 Post	Holy NAUGHTY WORD-NAUGHTY WORD-NAUGHTY WORD-NAUGHTY WORD-! Theres got to be something wrong there. And even £600 for 9+ years NCB and 52 seems very pricy! There are a few companys that deal with only over 50s, this might cut the price down (not sure by how much, but I'm also not sure if they are on comparison websites)

17th June 2010, 15:11	#4
N1&EPR Avid contributor MG ZT-T Join Date: Mar 2010 Location: Glasgow Posts: 210 Thanks: 0 Thanked 0 Times in 0 Posts	Car insurance seems to have rocketed of late, something ado with the bumps people had this winter and personal injusry claims I've been told. Sad when it's hitting guys like us, whom I would have thought were prety low risk in the grand scheme of things.

17th June 2010, 15:14	#5
picky747 Gets stuck in ROVER Join Date: Sep 2008 Location: Vera Posts: 746 Thanks: 56 Thanked 111 Times in 85 Posts	I think my postcode is a big factor and I did try SAGA for the over 50's and they were in the £600+ group

17th June 2010, 15:28	#7
Joseph Gets stuck in Rover 75 Club Saloon Manual CDT Join Date: Mar 2010 Location: Southampton Posts: 559 Thanks: 0 Thanked 1 Time in 1 Post	I like next to whitehawk in Brighton, I have to pay a few hundred more for where I live which is odd because there is no crime on my street on in my immediate area, just nearby! Fortunately for me a few hundred wasnt that big a different relatively I am in a very high risk group!

17th June 2010, 15:32	#8
Joseph Gets stuck in Rover 75 Club Saloon Manual CDT Join Date: Mar 2010 Location: Southampton Posts: 559 Thanks: 0 Thanked 1 Time in 1 Post	try castle cover (Just saw an advert for them) Not sure if they're any good but no harm in trying.

17th June 2010, 18:36	#10
W7 NSW Newbie MG ZT 190+ Join Date: Jun 2010 Location: Sheffield Posts: 14 Thanks: 0 Thanked 0 Times in 0 Posts	Wow... I've just recently come to that time of year and couldnt believe the increase too! Mine has risen by almost £150 and that is with 9 yrs NCB with no bumps! Crazy! A couple of companies who I have always had a pleasure in doing business with and have offered very good quotes are Adrian Flux and also Admiral... Good luck in the search for the cheapest!