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Chris D

Has insurance hiked up or is it just me?

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I'm shopping around for quotes atm, for a 2005 3.2S.

Started with the comparison websites to get a rough idea then onto the specialists.

I've been quoted between £480 (comparison) up to £800+ so far. Excess ranges from £195 to £800.

I'm mid 40s, good postcode, homeowner, garaged, SD&C, 10k miles. 10 yrs NCD, no claims or convictions.

If I add the missus (38 yo, 1x claim - last year) then it hikes up to the £800+ premiums, as expected.

Best value for money so far is AIB; £658 with £250 excess. That's with the missus included. It's £578 without. 

 

Seen lots of threads here with peeps getting covered for as little as £300. My last car, a remapped Megane RS250 Cup, with the same bhp was around that. I appreciate that many of you on here have it as your second car. This is the plan for me but in the meantime it will be my daily.


Do you reckon my quotes above are about ball park?

Edited by Chris D

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Looks a bit steep to me. My wife and I have a similar NCB to you, but the Porsche is 5000 miles p/a and we insured for £420 with £250 excess. Mind you it's our 3rd car and not a daily driver. Try LV 

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LV came up second/third on the comparison websites. Around the mid £500s for just me.

I will call AIB later and see if dropping the mileage has any effect. I went 10k to play it safe. I doubt it'll do that much. Once I get a runner for daily stuff I'd still like to drive it to work now and again so SD&C is a must.

Edited by Chris D

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Called AIB. Decreasing mileage made no difference. 

Doesn't get any cheaper unless I dropped to 3k miles pa. I want to drive it, not look at it in the garage!

Looking like I may have to accept it for what it is and pay the dollar!

Edited by Chris D

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Wow. As 1st post I have similar details to you and mine is £274 fully comp. With AXA. 

(Just renewed end if May if that makes any difference).

Edited by M12MTR

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Just ran a quote through with AXA. Just me. Same details provided as with all the others. Nothing untoward.

Declined to quote. WTF!

Edited by Chris D

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Dropped to 8k miles on a comparison search. Best quote is £443  with Hastings for just me. That one has bugger all in terms of legal, courtesy car, windscreen etc. excess is £300 still. LV is stil 500+.

No one is getting close to low £400s let alone £2/300

I'm beginning to think that it is what it is.

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My Aviva multi car policy is around £500pa, myself and gf, 2018 718 and 04 mini cooper.

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Just got a quote on a potential second car. 1.4 MG ZR.  Just me, with 3 yrs NCD on another policy I had.

£500+ and £300 excess. The excess alone is more than the value of the car.

WTF!!

My postcode is an A - the best you can have.

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Chris. Have you tried running @ your Doris’ Mum addy? Just to see if it’s you or your location? Something isn’t right mate, that’s for sure 

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I've checked the postcode, Si. Mine is an A, same as my folks. It's a little cheaper but it's not where I live and the car won't be garaged there either - I'd rather not have a claim declined as a result.

Nothing has changed since I insured the Megane and MX5 (both under £300, the latter with 0 NCD), other than time.

Edited by Chris D

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On 7/12/2018 at 6:37 PM, Scubaregs said:

My Aviva multi car policy is around £500pa, myself and gf, 2018 718 and 04 mini cooper.

Just renewed my policy with Aviva for approx £ 365pa, that's for my wife and me on two car's, multi car policy, it's slightly more than last years/ 

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If you haven't tried us yet give us a call :) 0333 207 6597

We are MOD friendly - modifications are covered under our policies unlike some other standard insurers who will cover a modified vehicle but exclude the mods in a claim (meaning you get the market value for the standard vehicle in the instance).

Have a great day and good luck :)

Carlie

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Identical thread on a motorcycle forum I inhabit, generally concurring that there has been an upward shift (is there any other). Mine's not due for renewal until October/November so good to have an up-to-date thread to refer to later in the year

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I insured ours through classic line, mileage is limited to 5K, but only £260. Didn't have much time to phone round, but they insure the 911 and are always great to deal with (even when claiming)

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Try Manning or Locktons, both offer specialist Porsche cover, might not be hugely cheaper but better cover than the regular insurers so you'll get things like choice or repairer etc.

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2018 718 fully loaded, £62,000. Renewal notice stated £434, £250 excess with Admiral. Comparison site went as low as £348 with Saga. Spoke to the insurer and changed the personal plate, agreed to match other quote. 6,000 miles pa, wife's car and me as named driver, no cons or bumps, protected no claims. Can't argue with that.

Edited by Kevan

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I'm in a medium to high post code risk area with the Boxster and BM on a muli-car policy at about £800pa. I've always paid through the nose for insurance as my job is classed as 'high risk' - even though I have 10 years plus NCB...

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I insure 5 vehicles. One is my work Transit Connect 110, a Lexus IS300 Sportcross, a 1988 MK1 MR2, an '03 plate Jap import Evo 8 with modified suspension, brakes and running about 400 brake, and a 2005 3.2 Boxster S. That cost me £1430 at the last renewal. I'm 52, live in Newcastle city centre and have full no claims. The company are called Pace Ward, but I had to fight for that this year. They initially wanted nearly £1800, up from £1660 last year, and that wasn't happening! I've been with them for 10years. I could have got a better deal from AIB ( £1369 ) with much  less xs on the Evo, but PW have let me drive cars I've thought about buying without charging me when I didn't, and they have a seemingly good record for paying out when you need them.

Edited by moneypit

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Saga, £162.74  Comprehensive with a  £150 excess.  My wife and myself as drivers. Mind you, I'm nearly 70, do a maximum of 2000 miles a year in it, because once I'm in, I find great difficulty in getting out again.  

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Just got my renewal quote, gone up by £2.50 ?

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11 hours ago, Sazzy said:

Just got my renewal quote, gone up by £2.50

Old see :-)

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