Car : 2013 BMW 325d MSport estate

I'm 47, SWMBO is 46. Both clean licences, both 10+ years NCD.

We live in rural North Wales, car kept on drive, used for SDP and commuting, 15k miles per annum on policy (we actually do about 12k miles in it)

We're with IAM Surety.

This year, our renewal premium jumped from about £230 to £320. So I checked around, using the online sites - on the basis that customer inertia was probably partly the reason for the increase.

Nobody else could come in under about £450.

>>what do any backroomers with similar 'respectable' profile pay who have a more favoured rural postcode?

Esure bumped my premium from £180 to some £300+

Phone Aviva - £162 - 2 ltr auto CRV, 2 x 70 year olds, no points, max NCB

£400 for a 1.4 Hyundai sounds steep!

His i3o. 1.4 £400. My venga 1.4 £180

Twice as risky in Yorkshire than Essex?

Someone's having a larf.

Edited by oldroverboy. on 30/09/2017 at 11:47

Northants, Kettering, all cars fully comp, the first two have full NCD and are protected, the Merc is on a second policy in my name @ 2 years NCD.

2002 Outback H6 (SWMBO own insurance) SAGA, around £240.

2005 Landcruiser LC5, Cornmarket (specialise in LGV, PSV and IAM) around £240 also..

1996 Merc E320 Coupe (Wi24 model), Cornmarket, just under £200, though mileage voluntarily restricted to about 3k, which it won't do.

IAM Surety at Cornmarket is usually excellent value but every few years the premium shoots up for no obvious reason - that's the time to do a thorough market comparison getting like-for-like quotes and invoke Surety's "price-match" option - I've had to invoke it 3 times in 15 years of membership and once invoked the subsequent premiums are in line with the matched premium.

"price-match" is a misnomer - they usually undercut the comparison site.

Play hardball with IAM Surety, it's necessary from time to time.

£382 for both my Primera & wife's Clio, both fully comp and with business usage, both parked in driveway - so that's about £190 per car. With Admiral for 2nd year, they were significantly cheaper on the renewal than they were the previous year, when I was a new client.