Insurance renewal

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Thu 15 May 2014 15:23
Insurance renewal - Forgot My Name

I've recentlly changed cars from 05 to 07 plate, engine size is the same 1.8, insurance is up for renewal, having used 2 comparison sites, quote has doubled!!

10 years NCD, and all other personal details are the same.

05 plate was valued at £1200, 07 plate is valued at £2500, does that explain why the quotes have doubled?

Any suggestions or companies for finding a lower quote?

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Thu 15 May 2014 17:34
Insurance renewal - HandCart

I recall a colleague having trouble like this just with an Astra, even just a 1.6?, between two model years. I think the BHP increased on the newer one.

Though both cars are 1,8, are they similar power output?

In my experience you have to trawl through EVERY one of the comparison sites to find the actual lowest quote. Two isn't enough.

If you still get nowhere, an actual human broker has got to be worth a try.

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Thu 15 May 2014 18:44
Insurance renewal - Forgot My Name

are they similar power output?

Not sure, one was Nissan Primera, now have a vectra

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Thu 15 May 2014 21:12
Insurance renewal - Auristocrat

Increased value of car will have an effect. Insurance group is 1 higher - group 9 to group 10. Most comparison sites are not impartial - most have insurance companies as owners or shareholders. Try phoning around some of the insurance companies directly.

Edited by Auristocrat on 15/05/2014 at 21:15

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Thu 15 May 2014 22:03
Insurance renewal - daveyjp
The only reason is risk profile. If the new car has been subject to a large number of claims the premium will be higher.
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Fri 16 May 2014 00:54
Insurance renewal - Avant

Exactly. A higher proportion of Primeras are privately owned and do low mileages, whereas many Vectras pound the motorways in the hands of kamikaze sales reps.

I'm not saying that's how insurance companies should work premiums out - just that they do, which makes it unfair to lower-mileage Vectra drivers.

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Fri 16 May 2014 15:44
Insurance renewal - Forgot My Name

Cheers for the replies, makes snese now.

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Mon 19 May 2014 17:17
Insurance renewal - TCarter

If you still get nowhere, an actual human broker has got to be worth a try.

I would say it's worth going to a specialist broker anyway. For the past five years I've used Keith Michaels for my company car insurance and I always check comparison sites just in case but they're always the best deal.

Edited by Avant on 19/05/2014 at 20:05

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