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Why is my premium so high?

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Old 26 October 2009, 05:54 PM
  #1  
nathanb
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Default Why is my premium so high?

Its renewal time again and I'm shopping around.

I have a 2004 WRX with no mods. I have 0 points in the eyes of the law but have 6 points from 2006 which have now left my licence but insurance companies still hold onto.

I am 32 years old and have been driving 13 years with full NCB.
My best price is £570. I cant help feel that this is too high for my age, experience etc.

I dont wish to critisise my current insurer on SNET so will mention no names.

Whats your thoughts?
Old 26 October 2009, 05:57 PM
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Moley
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£570 isn't that high (IMO)
Old 26 October 2009, 07:04 PM
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nathanb
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Thanks for the quote Gary.

Really good to speak to you mate. What a nice guy!!

Maybe next year!!
Old 26 October 2009, 08:03 PM
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Originally Posted by nathanb
Its renewal time again and I'm shopping around.

I have a 2004 WRX with no mods. I have 0 points in the eyes of the law but have 6 points from 2006 which have now left my licence but insurance companies still hold onto.

I am 32 years old and have been driving 13 years with full NCB.
My best price is £570. I cant help feel that this is too high for my age, experience etc.

I dont wish to critisise my current insurer on SNET so will mention no names.

Whats your thoughts?


nathan mines 570 and im 42 your car has mods spoiler at back and exhaust you should declare them i did with mine and made no difference in premium
Old 26 October 2009, 08:18 PM
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D4VEW557
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one company told me that any body mods would increase premium by 25% dont know if its true as i dont have any
Old 26 October 2009, 08:20 PM
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Moley
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Originally Posted by nathanb
Thanks for the quote Gary.

Really good to speak to you mate. What a nice guy!!

Maybe next year!!
Good talking to you mate.

Close.... just not quite close enough!!!

Speak to you next year
Old 26 October 2009, 08:23 PM
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Originally Posted by D4VEW557
one company told me that any body mods would increase premium by 25% dont know if its true as i dont have any
most insurers woudnt insure my wrx with mods thats why i use a plan lot cheaper aswell

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Old 26 October 2009, 08:27 PM
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D4VEW557
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i wonder why insurance companys vairey so much with quotes.

i found a plan to be very poor
Old 26 October 2009, 08:33 PM
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Originally Posted by D4VEW557
i wonder why insurance companys vairey so much with quotes.

i found a plan to be very poor
postcodes i live in manchester worse place in the country to insure a vehicle if i moved 30 miles away it would be 250 quid fully comp
Old 26 October 2009, 08:36 PM
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D4VEW557
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thats true i know someone who moved about 3 streets but the new address was in a different post area made a fair difference
Old 27 October 2009, 11:35 AM
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As above, postcodes make a MASSIVE difference.
Old 29 October 2009, 06:13 PM
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Originally Posted by Moley_WRX
As above, postcodes make a MASSIVE difference.


Even if it's within a couple of streets??
Shame on the insurance people for being so discriminatory.
Old 29 October 2009, 08:44 PM
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Moley
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Originally Posted by supermo

Even if it's within a couple of streets??
Shame on the insurance people for being so discriminatory.
Works both ways though.... i got a nice (unexpected) refund recently when i moved 2 miles down the road)
Old 30 October 2009, 10:56 AM
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pete higham
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Originally Posted by supermo

Even if it's within a couple of streets??
Shame on the insurance people for being so discriminatory.
i would only have to move 100yds down the road and my insurance would go through the roof!

and nathan! im paying more to insure my mk3 mr2 than your wrx! not by much mind and im 30 with 10 yrs ncb

gary did try to get me a good quote but esure ended up coming up trumps thanks for trying tho
Old 30 October 2009, 11:59 AM
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Originally Posted by Moley_WRX
Works both ways though.... i got a nice (unexpected) refund recently when i moved 2 miles down the road)

Surley you sort the insurance for you're own car?? So you must be paying the minimal amount!

Have you declared all the mods on you're car.
Old 30 October 2009, 02:42 PM
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Originally Posted by supermo
So you must be paying the minimal amount!
I wish i was.... mine went up £30 this year.

Is still pretty cheap though
Old 30 October 2009, 05:12 PM
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nathanb
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Wow!! This thread is still going?

I thought there was only me and Moley who had posted!! Ha ha
Old 30 October 2009, 05:36 PM
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Originally Posted by Moley_WRX
I wish i was.... mine went up £30 this year.

Is still pretty cheap though

haha!!
Old 30 October 2009, 05:41 PM
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Originally Posted by supermo
haha!!
Should have stuck that extra £30 on your price, lol
Old 30 October 2009, 05:47 PM
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You need to get a quote from me, Gary, I've heard really bad things about the people that work for Keith Michaels! ;-)
Old 30 October 2009, 06:14 PM
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Originally Posted by Chris@A-Plan
You need to get a quote from me, Gary, I've heard really bad things about the people that work for Keith Michaels! ;-)
Lol, am pretty happy with my current policy
Old 30 October 2009, 08:19 PM
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Got my renewal coming up in December (but Moley already knew this).

Not had much look on the web thus far, but I'm going for uuber cheap price this year
Old 31 October 2009, 11:40 AM
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Originally Posted by Moley_WRX
Should have stuck that extra £30 on your price, lol
Haha, Why do I feel that might come back to bight me in the bum next year!
Old 09 November 2009, 09:27 PM
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Originally Posted by nathanb
Its renewal time again and I'm shopping around.

I have a 2004 WRX with no mods. I have 0 points in the eyes of the law but have 6 points from 2006 which have now left my licence but insurance companies still hold onto.

I am 32 years old and have been driving 13 years with full NCB.
My best price is £570. I cant help feel that this is too high for my age, experience etc.

I dont wish to critisise my current insurer on SNET so will mention no names.

Whats your thoughts?

£570 ! Can you pm me the company so i can get a quote mate
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