Insurance UK

[Dilly]

Beyond 9 years NCD doesn’t seem to count for much these days!

 

[Adopado]

I really don't see why a simple spoiler stuck to the back of the car should make any difference, but there you go.

This is what “boy racers” fit to their cars. They then have a higher rate of claims. Whether you consider yourself to be a responsible driver or not doesn’t count… that’s how the insurance company works.

 

[Sinx]

This is what “boy racers” fit to their cars. They then have a higher rate of claims. Whether you consider yourself to be a responsible driver or not doesn’t count… that’s how the insurance company works

Sadly, yes

 

[btc1k]

Beyond 9 years NCD doesn’t seem to count for much these days!

Discount tends to stop at that level but always someone who comes onto the thread with 85 years NCB just to prove what an amazing driver they think they are

 

[Columbo]

Just come to renew my insurance too for the 1st September, Churchill had increased the premium from £470 to £590, was about to tell them to jog on until I shopped around. Everyone else was £1200 to £2000! What the heck is going on! Nothing has changed except another years NCB!

 

[Adopado]

Just come to renew my insurance too for the 1st September, Churchill had increased the premium from £470 to £590, was about to tell them to jog on until I shopped around. Everyone else was £1200 to £2000! What the heck is going on! Nothing has changed except another years NCB!

I've read of a few people who have had their Churchill premium drop this year (including mine) ... so this increase is strange ... might be worth a call.

 

[JupiterMan]

I've read of a few people who have had their Churchill premium drop this year (including mine) ... so this increase is strange ... might be worth a call.

I've just renewed with Churchill, no claims , no points but a 20% increase in the premium.

Shopping around, still by far the cheapest though, no one else was anywhere near this year, so have just had to pay up...

 

[Adopado]

I've just renewed with Churchill, no claims , no points but a 20% increase in the premium.

Shopping around, still by far the cheapest though, no one else was anywhere near this year, so have just had to pay up...

Any explanation from them? I would be saying that I know other people have had premium reductions so why has mine increased.

 

[Neilman]

I've just been through a Churchill renewal.
Last year my first year cost £429 from 7th September 2020
Prior to receiving a renewal letter for this year I shopped around and Churchill's new customer quote for my car was £812 inc NC protection.
(Direct line was £844 and LV wanted £515)
Renewal letter turned up and, with no changes to the policy, the cost was the same as last year - to the penny!

 

[moodel_tree]

I've been quoted just over £2k (with £400 excess) with DL via the Tesla link for my M3 LR (yet to be delivered). No points, 8yrs NCD, West London, late 20's.

TBF my Golf R 7.5 that pre-dated it was ~£1700. So annoyed, when I was living up north I used to pay <£400 for my Golf R insurance. Its lunacy.

I'm trying to put pressure on Tesla to give me the car details, as I really need to hit that 3 week golden zone. I can't be insuring on the day at these rates...

 

[Adopado]

I'm trying to put pressure on Tesla to give me the car details, as I really need to hit that 3 week golden zone. I can't be insuring on the day at these rates...

You can agree a quote and have it fixed for up to a month with Churchill. You just let them have the reg when you get it ... on collection day if you really have to wait that long.

 

[Tony Hoyle]

Late 20s in London.. yeah that's gonna be expensive.

Most insurers can quote off the VIN, which you get as soon as the car gets on the boat. Tesla don't allocate the reg until a few days before.

 

[JupiterMan]

Tesla don't allocate the reg until a few days before.

not always true, I had my registration about three weeks before delivery (that was one year ago), it was through a lease company so that may have something to do with it.

 

[moodel_tree]

You can agree a quote and have it fixed for up to a month with Churchill. You just let them have the reg when you get it ... on collection day if you really have to wait that long.

Thanks, that's what I intend to do, so its good to have some confirmation on that. Although I now need a delivery date before I can firm up starting to look at quotes haha without one I can only make guesses as to when to start the quotes process to hit the optimal window.

 

[Pink Duck]

My real NCD is actually probably over 25yrs but I can't see how I could prove that and 9+yrs is how my last insurer describes it.

A number of insurers check NCD via database automatically now, the others will take new customers' word on it and only challenge if worth doing so after a claim is filed. Insurers generally only discount up to 5 years, some 9, a very few 15 - with a decaying exponential tapering percentage rate. In your case the annual mileage is likely the biggest pricing factor. The spoiler impacts because of the actuarial models and the inclusive hit from having a 'modification'.

 

[moodel_tree]

In your case the annual mileage is likely the biggest pricing factor.

Interesting!

Stupidly - as the penny has just now really dropped - I've always done this to the maximum mileage of the finance agreement my cars have been on, mainly to maximise the amount of miles I could realistically then use the vehicle for and be covered. So in this case 10k/mi, my previous Golf R was 8k/mi.

But realistically, if I look back over the years, I only really use between 6,000-8,000 miles a year if that. I only use the car for social use; seeing family once every other month (if that, 300mi), trips out on a weekend (25-100mi), staycations (1,000mi once or twice a year), etc. I must average 400-600 miles a month, maybe less if its not an active month.

I should really look at dropping that in my quotes to a realistic mileage, should help with my premiums, no? Are there any major penalties to upping it throughout the policy? (other than raising the premium for the remaining term)

 

[RedMod3]

Model 3 Performance with EAP and Dash Cams £338.68 with LV, just renewed.

I got a £40 discount after they entered my Driving Licence number into the system. So if you're getting a quote of LV, make sure you quote your driving licence. I also like LV, staff are Uk based and friendly, and they do try to help.

 

[sparkymark75]

Cheapest I can get is around £550 with Churchill. That’s with 10y NCD. I suspect it’s the 2 non-fault accidents in the past 5 years which are shafting me. Unmarked police car hit me in the rear at a roundabout and an HMRC auditor hit my car in the work car park!

 

[Adopado]

Cheapest I can get is around £550 with Churchill. That’s with 10y NCD. I suspect it’s the 2 non-fault accidents in the past 5 years which are shafting me. Unmarked police car hit me in the rear at a roundabout and an HMRC auditor hit my car in the work car park!

Crikey, that's a rare combination. If you spot a TV detector van beware ... they'll be out to get you too! (Do these vans even exist any more? Perhaps just as a cover for their monitoring of @sparkymark75 !)

 

[sparkymark75]

Crikey, that's a rare combination. If you spot a TV detector van beware ... they'll be out to get you too! (Do these vans even exist any more? Perhaps just as a cover for their monitoring of @sparkymark75 !)

I know right. I did say to my work colleagues at the time that maybe the government were after me!