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Comments
TPO only ever made sense for insuring the sort of deathtrap banger cars that emissions legislation and the 2009 Scrappage Scheme have removed from the roads.
Third party used to make sense for new drivers - especially young ones. A lot of my friends rolled cars or wrapped them around trees etc when I was young. If the insurance companies don't have to pay out for those kind of things, it should be cheaper.
Most of us on here seem to be slightly older than the boy racer demographic. I'd be interested to see what the quotes would look like for a 19 year old. These days, it seems like the only way that a 19 year old can get insurance is the black box/phone app model.
Give it 10 or 15 years though, and the whole market will change with driverless cars coming onto the scene. Accidents should become less common, which should bring premiums down. Once a reasonable number of driverless cars are on the road, it will change driving habits as well. For instance, you won't be able to do 45mph in a 30mph limit when there is a driverless car in front of you doing 30mph. It will probably only need 1 in 5 of the cars on the roads to be driverless to bring about a significant change in the way people (are forced to) drive.
10% increase in the premium with no justification. But, if you renew online "we'll only charge you 5% more".
Wankers.
Best thing to do is get a better competing quote and ring them up...
The best thing to do is spend the time shopping around when it is time to renew.
Both those quotes above seem ridiculous though. I’m paying £380 fully comp on a 3 litre Jag with two named drivers.
Depends on the model as well. There was a spate of Golf GTIs and BMWs getting nicked around our area a few years ago. It would have cost a fortune to insure one of them around here.
One of the advantages of driving a Toyota Verso with a dent in the door is that it's not high on the list of the kind of cars that get stolen.
Your job title has a significant impact on prices too. I saw a 20% decrease or so when I incorporated my company... was a sole trader, now a company director, basically doing the same work but the title alone meant I was less of a risk I suppose.
The one policy came up when I was unemployed and they wouldn't renew it. Changed that to 'homemaker' ( as I wasn't using it for work I couldn't see the difference) and it went through.
* ignoring the extra £600 to have my son as a named driver.
I just called Aviva and they can't reduce the premium any further (computer says no)
Their competitors (Admiral) are offering an identical policy for £75 less.
That will keep a couple of my guitars in new strings for a year.
Also, top tip, make sure you buy your policies through quidco.com when you switch... lots of money back, oftentimes. Can be 30-40 quid sometimes.