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7 year old grand cmax. 15000 miles a year.
Both of us 58 years old ,20 plus years ncb they want £511.
We must be pretty low risk.
What are you young whippersnappers with your fancy cars paying?
13 year old C3, 50, £250
13yo C-Max, two drivers 52 and 48,12k per year, £315. It's gone up this year by £50 but I can't find a better offer, insurance up all round apparently.
On an Admiral multicar, which doesn’t cover mine, as on a salary sacrifice lease.
2 yr old Q2 is £500 for me, wife and learner youngest who is 17. We are both in our 50’s.
2 yr old 1.2 Corsa, in eldest sons name, covered for him as main driver, plus me and wife, he’s’ 20 and 2 years since passing test and a shade over £2000, he has 3 points though for speeding 🙄
2016 Peugeot 108. 140 quid/year . Up from 120 last year.
'sporty' 2017 Leon FR estate 1.4tsi (150bhp) auto, 20k miles a year, full business cover for wife and I, 20+ years NCB, £360.
'Definitely not sporty' 2012 Ibiza estate 1.4 16v manual with a throbbing 75bhp, 12k a year, both wife and I full business cover plus a 21 and 20 year old, 10+ years NCB, £580.
Edit: no points and no bumps for anyone in last 5 years
Mines due next week 17 plate Seat Leon FR, 8k miles a year, 11years ncb, 58yo, clean licence £238 up from £175
19y old BMW 330i. 42, no peak driving. Low miles = £172 up from £142 last year.
6y old BMW i3. 42 and 41 with driving in peak times, SDC and 9k a year = £282 up from £252 last year. <br /><br />Both fully comp with (full 9y+) protected no claims and the minimal excess. No convictions, no claims.
13yr old slow focus. 3k miles. Boring man with boring job, driving 20 years. Approx 250 this year. Big increase.
15 year old turgid Golf, c 12000 miles a year £250 pa inc breakdown cover.
me 55, full ncb no points or shunts
Today ,I had a company refuse to give me a quote as I didn’t keep the car in a garage and I haven’t got gates on my driveway !
£750 51 years old , 2 year old BMW iX3
Living in a 1 postcode doesn’t help. Out of curiosity, if I lived at my mates place in the sticks it would be less than half that
( and he has had 3 cars stolen in 5 years from there )
Just been through my renewal. I've got a Mazda CX5 and the mrs has an Abarth 595. 20 years no claims. Mid forties, no points.
My multi car renewal with admiral went from £700 to £1200!
A few minutes on the comparison sites got quotes for less than my expiring premium. Think I'm £650 for both.
72 plate 1.0TSi Fabia and 16 plate 1.5 MX-5 for £520 through LV multi-car. GL postcode. Expecting a rise next renewal as inexplicably it went down this year by a few quid.
2x 42 yr olds, one with IAM.
12 year old, 200bhp Hyundai Santa fe, about £250/year.
1990 eunos, 5k miles per year, inc commuting, £89/year.
£740 up from £600 last yr for a multicar policy for two 50 somethings including business use & 12k miles each in a 6yr old Mazda 3 & 8yr old Volvo D2
2018 VW Golf, full NCB 10000 miles pa, was £280 this year, anticipating a big increase at renewal in February. Three drivers all over 60 none with points or claims.
2009 Mazda 3. Does 4k miles a year, parked on-street, cost is about £375ish.
Two 40-something drivers, about 10 years no claims. MrsDoris last claim was pretty hefty tho, as it required the replacement of a significant chunk of central reservation on the M40 😬😬😬😬😬😬
Car: Skoda Rapid Sport, 2016, 12k miles per year quoted but running a fair bit less these days. Garaged at home.
Me: 52yo, male, full NCD, no claims etc last 6 years or so, no points (plus wife, similar). Rural Carmarthenshire.
Recent insurance: £210 last year rising to £280 this year for no reason our end.
I know insurance is up across the board; I can't quite decide whether to be annoyed I've had a 33% rise or glad that it's still not a huge amount of money.
51 years young just me and wife on policy
Just had renewal through Fiat doblo crew van £500 with Euro breakdown cover
Up from £370 last year
Thought scamming ppl was against the law
My mx5 was £130 last year
Ours seems expensive. That does include 1000 miles business.
Does driving to and from the Nec twice a year to look at stuff for our shop constitute business?
£480 for an eNiro 12k miles, both of us 47. Glasgow suburbs. Up from £260 last year in a 53 plate s40.
£650 for slightly modified Audi RS3
8000 miles
Covered for both my wife and I (41) personal and business use, parked on road overnight.
Just lowering the car 20mm and changing wheels put c.£250 on the policy!
£699 for Audi A8 4.2 385bhp; c7,000 miles pa.
IIRC, my Santa fe has 5000 business miles as part of 20k/year. I don't think declaring business milage has ever changed my premium.
I suspect the number of self employed amazon etc drivers in old c/s max's (round here at least) might affect the risk profile though.
14 year old Mondeo, £250 full comp; went up to £330 but comparison brought it back down.
Swapped it for an iX and its £990! Tesla was minimum £1300.
21 Year old Nissan Primera SVE is about £160, the 2012 Qashqai N-tec+ is about £300, but the little Aygo I insure for son and daughter (2010 Blue edition) is £800.
Sons modified Fabia (200 bhp) is about £1500
Fortunately the Aygo renewal looks the same as last year. Sons Fabia is off the road alot...
EVs are quite expensive due to parts. Benefit of being 53, looked at mad cars and still less than £500, but next car looks like a van/people carrier for bike/swim/camp duties.
12yr old Skoda Yeti, 10k miles pa, me 48 + wife 38, £250. £70 more than last year. Went up a bit last year too due to being hit by an uninsured ****.
5yr old Mitsubishi Mirage (same mileage and drivers) £220. £20 more than previous.
My poor dad on the other hand....2015 plate Audi A4. £330 last year, this year they want £1000!!! He's just turned 80, but is an IAM instructor, and has 20+ years no claims. Bloody ridiculous 🤬
£340ish 1986 modified 944T. 5000 miles pa, parked on the drive in a part of town often visited by police helicopters and seen on 'Road Wars'.
Also her car that I sometimes use and have driven to the Alps a few times, around £300, 2004 astra estate of reliability, which is incidentally what the whole car cost 9 years ago.
Merc E class estate 2019, 8k miles 1k business, 2 drivers, driveway. 14 yrs NCD, protected NCD, £500 excess . £380 per year
Polo 2022 same as above but £250 excess £480 per year
Probably in one of the quietest, most crime free parts of the country
2014 Merc Viano, 2 drivers 48 & 47, I'm driver and have a speeding conviction, 12000 miles, £550ish.
2017 Seat Ibiza same drivers but I'm 2nd driver on this one. Business use. £360 I think.
2017 Mustang GT, me @ 44yo and MrsFO @ 43 yo, both with full ncb and 0 points. Was £560 for this last year fully comp, 8000 miles, £250 excess and protected ncb. It's due for renewal in February next year and talk on the forums is I'll be lucky if it's anywhere under around £1200 🙁
Admiral multi car. £1900. 55yr old full NCB but I had a car pinched last year and even here in deepest Surrey some cars are getting expensive to insure.
My renewal for the next year from June was £355, for a 19-plate Ford EcoSport ST-Line. I was 68 at the time, 69 now.
Part of the problem for insurance companies is the insane cost of replacing parts for modern cars; an LED headlight unit can cost over £1200, a replacement screen for mine could be anywhere north of £800, maybe edging towards £1000. A panoramic glass roof panel, cracked while loading something onto a roof rack - £1500+. I’ve seen a full-width instrument panel/infotainment screen on a year-old Mercedes go completely black while the car was being driven out of the workshop following some bodywork, if that’s not covered under warranty, I couldn’t begin imagine what it would cost to replace, this obsession with having an entire touchscreen system in modern cars is going to bite an awful lot of people in the ass over the next few years. Owners are not going to be happy.
I chose my car, having had the luxury of effectively ‘test-driving’ hundreds of different cars over two years, because it’s got a mostly analogue dash, with real push-buttons and physical knobs for the radio and climate control, along with an actual hand-brake. It does have an infotainment screen, but it’s set into the dash and sticks up like a tablet, typical Ford layout.
To qualify my post ^^^ the cost includes legal, windscreen, uk & euro recovery; excess £150 compulsory and £100 voluntary.
Without factoring in these costs, the various responses don't allow any meaningful comparisons.
Sounds pretty standard
2005 Toyota Corolla 1.6 Automatic Petrol.
12 year plus protected NCB.
Fully comp.
Last year £265
This year £307 (online renewal quote) but when I called to confirm over the phone the bloke wanted £380. The next day I called again to make sure the online quote was alright (was thinking of moving to another insurer) and was told it was correct quote. They cannot figure out why the other bloke quoted me £380.
I could get it insure with another insurer for £225, but decided against it because it's not here no there.
My rule is simple, if the increase is £100 or more, I walk.
2013 Fabia 1.2 (70PS), private car park, 42 years old full NCB (protected) with 1 claim and 1 windscreen in the last year. 20k miles costs me £520, double what it was last year.
1989 Mini 1000 City plus mods, classic policy with 2k miles, stored at a different address in a secure garage (40 miles away), breakdown cover and agreed value of £4k is £296.
£260 for a 2015 plate SEAT Leon FR (150bhp), but low mileage. On street parking in inner'ish city Bristol. Over 15 years NCB.
Both car and van jumped about £100 from £260-ish
Increasing the voluntary excess by £100 achieved a £10-15 reduction so I didn't bother
Still cheaper than elsewhere 😔
2018 Vitara 1.0 Boosterjet
2 x 59 y/o driving with clean licenses, Max NCB, NE33 postcode, 8000 miles p/a, breakdown and legal cover.
Not due till April, but usually £200-£220, then whatever Quidco cashback - around £40
£350 ish
2018 diesel estate, vauxhall, not a fancy dandy aspirational brand
mid 40s, no points or naughtiness, "2.4 children" lifestyle
Not looking forward to renewal (month or two away) if the rumours are true...
Mine was £750 last renewal with Vitality, but they have written to me to say they have stopped providing car insurance so have to go elsewhere from renewal (1st Nov '23). Looking about I am looking at £1100!! 6yr old BMW Diesel Estate
Audi A4 Allroad, 13,000 miles - Last year £570, this year.......£930 and that was after ringing up and getting a discount. Still looking for a better deal.
12yo 1.2 Micra, 40 something driver but zero no claims as not owned a car for years.
£380...not too bad I guess given the lack of NCD.
Mercedes e class ,3.0 TD £260 fully comp.
Car 15 year old though so not worth alot.
What @countzero says makes sense in terms of repair costs, but there does seem to have been a heck of a bump this year. I switched from LV to AA via Quidco compare and took £100 off a £330 renewal (Koraq, £300 excess, 10 years+ NC, Protected NCB, Social, commuting and 5000 business miles, quite old, rural area ;).
What was strange tho was on entering my details directly into the AA site, the quote was over £1,000!
Oh £40 back from quidco as well so worth the hassle. We've been with LV for years, if it'd been £30 I wouldn't have bothered but 50% hike in one year....
A panoramic glass roof panel, cracked while loading something onto a roof rack – £1500+.
And for the fact fans out there, lots of budget insurers no longer cover panoramic roofs under the "windscreen and glass" cover. So if it goes, it's a full claim. And from what I've heard £1500 is very conservative. IIRC things like Audi a8's have solar panels built in so literally no idea how much they cost to replace.
Audi 2.0tdi 15yrs old (not me,im 64)
Had 6yrs ncb but something (didnt)appear in a car park so only 3yrs ncb now,clean licence
Last year was <£400, this years renewal with RAC was £1030,so I just got a quote for £600 last night so took it
Thats fully comp,no breakdown or legal, monthly
Just renewed for a 3 year old Skoda Scala.
Roughly 53% increase in one year from £239 to £366.
Two of us, 64 & 59, on a 5-year old V60 D4, £240
£285 inc breakdown for Octavia 1.4 parked on driveway overnight. 8k miles pa. I'm 57 with 10+ years NCB. Mum (79) is a named driver.
I've been hankering after a 2016 / 17 Merc AMG GLA 45 recently. Been comparing a few on Autotrader with a view to arranging test drives.
Before that though I thought I'd best do an insurance comparison quote last week. 42 yrs old, off street driveway parking, 12 yrs NCB, never had license points, 6000 miles / yr etc.
Best quote came out as £1800+, worst was £5250...
Yeah, don't think that car purchase is happening now!
Van renewal arrived last week jumped up £100.
It's a 2016 transit connect and I did less than 200 miles last year (mainly due to back injury and not driving).
Only 3yrs NCD as it's a second policy but a bit of hunting around got it to £360.
I think the Golf (2016 GTE) is similar but expecting them to try a £100 increase in jan.
Cupra Leon, age 50. Liverpool City Centre address, £900. (21 plate, 10,000 miles a year)<br />If I moved to the girlfriends in North Wales drops by £250.
I have full no claims (over 10 years).
£780 for the two of us on:
02 Berlingo (third party)
12 smax fully comp.
14 fiesta st declared at stage 2. Fully comp.
Not bad.
Just to add a little extra detail, I’m now 69, my car is parked off the road, and I was driving around 11,000 miles a year, but that’s going to drop dramatically now I’m retired. Otherwise the usual excess with windscreen cover because of it being heated. I’m with AA, I was with Saga, so I’ll be interested to see what sort of quotes I get when renewal comes around.
Mercedes E63 2014, social and commuting 10k per year and 17 years NCB, £750. I think this is very reasonable.
My wife's 340i 2015, social, commuting and business cover. 10k per year and 12 years NCB, £850. This car is probably slightly more expensive due to we only just bought it, so the insurers weight that negatively.
solamanda - your wife's looks expensive.
Clearly, you both like cars with added ooomph!
53, full NCB, car parked on the road, 18 year old Skoda Octavia vRS 1.8t and on renewal a few weeks ago, Hastings had put my premium up from 550 quid to 790 for no apparent reason. Nothing has changed. No points, no claims so I phoned them up and said I wanted cancel my policy as I’d had a cheaper quote elsewhere
They asked if they could run through some details and we confirmed that nothing had changed. They then ‘revised’ my quote down from 790 to 540 quid, a tenner less than I paid last year
So give your insurance company a bell and actually speak to someone as it’s amazing how fast they can ‘revise’ your quote once you tell them you’re off
solamanda – your wife’s looks expensive. Clearly, you both like cars with added ooomph!
Business cover is also expensive. Interestingly when I was researching cars, a 320i was more expensive to insure than a 340i.
Just insured my 911 C4S and was a bit worried. Ended up at £306.68 with Churchill!
I've found the postcode makes the biggest difference.
When married (2020) and living in a nice part of England I had a Merc GLC AMG and a DB9 (2011 plate). The insurance was less than a grand a month, I'm now paying close to that for a single car, valued at £27k, but I'm now in a less desirable post code. Even horsepower wise, way less than than the merc.
Tempted to get rid of the Cupra and just use the girlfriends Audi A1. Insurance is pennies! But it's an Audi A1....
Yeah.. I don't know how they calculate it on an individual basis.. But post code certainly seems like one of the largest factors.
At least anecdotally from what I can gather.
£440 fully comp for my damn fool subaru. Last year went way up everywhere on online quoters etc but when I phoned up Churchill to cancel, they offered me a much better price. Like, thanks I guess? But next year could you just give me the good price first and we can all use that 10 minutes to do something else.
I’ve been hankering after a 2016 / 17 Merc AMG GLA 45 recently. Been comparing a few on Autotrader with a view to arranging test drives.
Before that though I thought I’d best do an insurance comparison quote last week. 42 yrs old, off street driveway parking, 12 yrs NCB, never had license points, 6000 miles / yr etc.
Best quote came out as £1800+, worst was £5250…
Yeah, don’t think that car purchase is happening now!
I tend to agree.. if I had to pay £1800+ for insurance I'd at least want a car that looks nice.. those things are butt ugly!
It's obviously a very fast car, hence the insurance price, but it looks like a turd on wheels.
Ended up at £306.68 with Churchill!
Just tried Churchill, they won’t quote me. Presumably because I hit a deer 3 years ago and am SP30 nearly 5 years ago.
My renewal from Direct Line for a 2017 Golf GTI is £440 (it says last year I paid £285, which I didn’t, but wonder if they’ve adjusted that for Golf which I’ve only just changed to).
Best quotes from the meerkats are around £360
Last year I think I paid £340 for my E91 330D
Just insured my 911 C4S and was a bit worried. Ended up at £306.68 with Churchill!
It’s odd, Porsches always seem cheaper to insure.
Happy to be corrected but certain cars are cheaper as they’re less likely to be involved in a claim. In other words a sporty hatchback is more likely to end up halfway through someone’s living room than a 911.
Salary sacrifice car but just got a quote for my Tesla Model 3 and the cheapest came back at £2,030. That’s living in the sticks and telling them I had 10 years NCD, which I’ve probably lost given the company-car aspect.
Mate has a 2 year old discovery.
Insurance is 2.5k in Leeds - LS28
Will be going up to 4k next year.
I know what I would do.
And Direct Line have just agreed to match my best Meerkat quote based on a screenshot of the quote screen 👍
Just checking that they are OK with me swapping to the winter wheels… This could be the downfall.
Salary sacrifice car but just got a quote for my Tesla Model 3 and the cheapest came back at £2,030<br /><br />
I’ve just done one for our salary sacrifice ID3 that’s just been delivered, cheapest is £430 which doesn’t seem too bad for a brand new car.
We've got a 6yr old Kuga, a 20yr old MG TF and a 16 year old Civic Type R - all are £360 ish each fully comp no mileage restrictions.
So give your insurance company a bell and actually speak to someone as it’s amazing how fast they can ‘revise’ your quote once you tell them you’re off
That’s if you can actually call them up.
Which companies are good at answering their phones?
Last year moved from mid Herts to Suffolk, price dropped c20% - postcode is a massive factor
Just tried direct line. We live in the badlands of Epsom.
Have a ****ing giraffe.
£1065 and that’s not mentioning business miles.
Which companies are good at answering their phones?
All ours are with LV on a group policy.
My wife works for NFU but puts the cars with LV as they are far better. And you can call and speak to someone who knows what they are on about.
£580-ish fully comprehensive for an 8 year old 528i Tourer. 7 years NCB, off-road parking in Ipswich Town. Makes the £130 a year Saab rot-box look positively cheap.
£580 for 2 diesels on separate policies as it was cheaper this year on Churchill (allows us both to drive Both cars). Our motors are around 10 years old, one is a 2 litre the other 1.6. We are now in our 50's not had a claim for years and years.
Son paid £3.5k for his first year of driving for a 15 plate focus. He's 21 and didn't want one of those boxes fitted. I know the younger generation are considered more at risk but they're all taking the piss. But what can you do?
Last year I paid £650 for a 2016 BMW m4, and the Mrs paid about £500 for a Ford kuga.
Then back in April this year both our cars (the m4 and ford kuga) were stolen off thee drive, this year's cheapest quote for an m4 was £4200, the kuga was £1300.