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LittleMissMC took out her car insurance last year at 17, gutless little 16 plate Skoda Fabia, me as a named driver. £1900 with Hastings, with a telematics app.
Just had the renewal come through. Had to ring them up to disclose a non-fault accident I had in my wife's car. That pushed the renewal up to £534.05, and no telematics required due to her good driving this year.
Insisted they took my money before they realised they'd missed a "1" in front of the price.
Anyone else seeing this?
Wife's renewal with Churchill came in few days ago, £200 down from last year. Hoping same for mine next month
Our renewal came through from Aviva. Up £5 to £595 from last year. Shopped on the usual comparison sites and down to £311. That's a huge difference. Last year Aviva was the lowest.
Not yet, but hopefully next year. Just out of interest what score was the app/telematics running at for such a good score to give that premium? My son is running at about 89,90.. at best about 92 or so.
Not yet, but hopefully next year. Just out of interest what score was the app/telematics running at for such a good score to give that premium? My son is running at about 89/90.. at best about 92 or so.
Daughter running at high 80s/low 90s as well - everything scores high except braking, apparently.
My own insurance has gone up £100. Gits
Wife's renewal with Churchill came in few days ago, £200 down from last year. Hoping same for mine next month
Is your wife 18 now?
Ok similar then. Sounds good. It's cornering mostly that drags it down a little for my son. But there are some tight radius slip roads around here so a bit unavoidable. It is really good news that it drops significantly in one year. I had expected a slow reduction over many years. Good work LittleMissMC!
What I am seeing is my premiums staying more or less the same or even going down slightly. But the brokers are upping their fees so it appears your insurance has just gone up a bit year on year when it really hasn't. I have a mate who is a broker and he reckons it is a PITA now that they are forced by law to disclose how much their fees actually are!
mine was down about 10% this year, so didn't bother shopping around. I'll take that!
Sorry, I misunderstood. I thought you meant is everyone noticing a drop. Not just young drivers. 😒
It is really good news that it drops significantly in one year. I had expected a slow reduction over many years
Hope I've not raised your expectations too high. It didn't happen for her brother who is 3 years older
Fair enough. I can't extrapolate too much based on the telematics/app score only. There are many other factors. Still though, Hastings and a similar age low-powered car ('17 civic/ insurance group5). But male probably counts against.
Yes. Similar here - 3x lads passing tests and frightening insurance costs over £1300-1500 as we had three new passes over 4 years.
Year 4.5 renewal suddenly £550ish on 1.0 Fabia estate, the 110bhp version...
Not young driver related but our multi car insurance for me & Mrs dB was down about 20% this year from LV with no prompting or change in circumstances.
110bhp? Wild thing!
Wild indeed! Got 99bhp on the 1.3 civic. Naturally aspirated, no turbos or speedy whatnots. I did look at fabia estates, but they were typically coming with that 110bhp mega output engine, and that was several insurance groups higher and ££s more. They were a good size though, but the civic does have a decent amount of storage. I can get 2 moon warriors (large size boulder mats) in the boot with seats up, so not bad.
A young student up the road has just got one of these 200bhp odd Alpha 2.5 hatchbacks. I asked him how much his insurance was. £600 he replied. Why so cheap? He had done his research. All insurance is based on risk data. There is no risk data for such a car for under 21's as all the youngsters assume a shitty Corsa or Fiesta would be cheapest! They are the ones of course that have all the accidents!
Not young (anything but) but the insurance for my Mitsu has dropped this year from £343 to £217, which I was quite pleased about.
My car insurance keep creeping up but if they are still taking the mickey this year I am going to switch. Have been with them for nearly 6 years now. 1.6 Auto Petrol.
Added Miss V as a named driver to my insurance after she passed her test, it upped it by around 600 quid for the remaining 6 months.
At renewal it was a little over 600 for the full year.
No black boxes involved on either policy.
Due to an admin error we currently have three cars. Aviva multi car quote for all 3 was cheaper than last year for 2...
Son's renewal has dropped from £3k for an old 320d to £800. He's 24.
Just hoping the shared Aygo drops as its more a backup vehicle (son breaks his cars), but it's likely we will sell this year.
It is really good news that it drops significantly in one year.
I don't think I'd put money on it happening though
3k for a 320d. Dropping to 800 at 24.
That's points or claim related surely that's not simply a not young driver.
Insurance is weird just now.
Mum has zero NCB but was able to insure a leaf for 500 quid fully comp. I added me with full no claims and nothing to declare and 3 other cars and the insurance went up. - we live at the same Address
On the flip side I insure a 108 for 160 quid a year
When I had to insure dads van -with zero NCB it was 800 .....but I found. I had 11 years vans no claims that hadn't lapsed off the iveco and it dropped to 300 so that was pleasant .
Would not like to be starting driving right now as a youth.
Daughter is 18 today, browsing autotrader last night looking at minis just to get an idea of costs and insurance etc, £624 she said waving phone in my face excited at this insurance bargain, that's a month! 😭 Did fine a few bargain quotes later under 3k lol
Yeah, mini's aren't it for low insurance. You need to observe popular cars driven to garden centres by seniors on a weekday afternoon. Fabias, civics etc. Group 5 or under.
Also, don't over use those comparison sites or they will put the prices up.
ours (Polestar2 LRDM) went from 550 to 650 this year....best on the comparisons was 750ish so I figured it wasnt that bad. Howver,I figuredId give them an innocent 'why did it increase by 20%' question they reduced it to 550.....result. coke and hookers all round this weekend.
Duplicate scenario as OP here.
Daughter policy owner first renewal with Hastings telematic
Fabia 1.0 60bhp
£1750 down to £620
I’ve not told her she doesn’t need the box although I suspect I’ll take it out in case it’s used against us.
1.0 Fabia estate, the 110bhp version...
That’s more than I would have expected, I’d have guessed around 80bhp. That’s more than my old diesel Octavia, and that was a bigger car, and didn’t hang about! My 1.0 Ford is 124bhp, but some versions are 90, others 138, depending on model and spec.
I’d like to get it remapped up to 138 at some point.
We had a 110 automatic Fabia a few years back. It felt surprisingly lively! Replaced with a 124 Fiesta. Really miss the Skoda.
Yeah, mini's aren't it for low insurance. You need to observe popular cars driven to garden centres by seniors on a weekday afternoon. Fabias, civics etc. Group 5 or under.
Also, don't over use those comparison sites or they will put the prices up.
This is absolutely the case. When our son was starting off with that Fabia his mate was paying nearly £1k more for an equally weedy Corsa.
I wanted to add our 22 year old neighbour to our car insurance so she could borrow our car occasionally to do errands etc. Would have increased our annual from £450 (3 named drivers) to £1500 (3 named drivers + 22 yo)!!! I'll send her in a limo, it'll be cheaper...
Insurance quotes seem to be coming in lower - Mrs BH’s run around down 10% or so and my sporty fun car seems to be down 25% year on year although I have to speak to the broker to check it’s totally like for like cover.
Yeah, mini's aren't it for low insurance. You need to observe popular cars driven to garden centres by seniors on a weekday afternoon. Fabias, civics etc. Group 5 or under.
Also, don't over use those comparison sites or they will put the prices up.
This is absolutely the case. When our son was starting off with that Fabia his mate was paying nearly £1k more for an equally weedy Corsa.
A Fabia estate was a couple of hundred less than a hatch...
As a above, look at what grandparents drive to the garden centre with a National Trust sticker in. It seems that fewer new/young drivers have those cars, so less data on crashes... But the volume of data on black Fiesta's or Corsa's...
1st year out of the way for my 18yr old daughter. £2500 for a 100bhp fiesta doing higher mileage than normal (with a black box).
2nd year renewal was a joke so we shopped around. She has changed car to a lower group VW polo too. Quite happy with £700 with no black box type setup with Hastings (I think). We could have got it about £150 cheaper but we wanted everything including Windscreen, commuting, higher mileage, legal expenses, recovery etc.