Insurance 2024.

[Kawasaki Jimbo]

The insurance on my 13 year old VW Tiguan has just gone up by 53% despite no changes in circumstances. Apparently it’s related to the increasing complexity of new cars, and unexplained ‘post-pandemic circumstances’. I’m wondering if the insurance on my two old bikes will go up by a similar amount. Has anyone had a recent renewal? How was it?

[A100man]

I got the same BS from the AA up from £350 to 499 for my SEAT 1.0 car with no changes. Called and question it, some tweaks to excess and mileaged lowered to 8k pa some discount and it was miraculously £330 quid. . Compare and call is the key. nothing got that more complex or expensive to repair in a year.
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Now: A100, GT250A, XJ598, FZ750

Then: Fizz, RS200, KL250, XJ550, Laverda Alpina, XJ600, FZS600

[slowasyoulike]

Renewed the policy on my old Nissan Caravan in December, it had gone up £20 to £320 from last year. Not too bad but I read something - possibly on MoneySavingExpert? - about how these rises are worst affecting people under 50, which I am not.

[MCN]

It's one of those things government make mandatory for all road users but government do virtually nothing to regulate the profiteering involved.

There must be money to be made or there wouldn't be so many kunts happy to provide insurance. And the government would have to get their fingers out and organise a national scheme.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[piazza]

Car insurance went up more than 50% last year £985 - I got some points (peugeot 308)

Decided to cut costs and get a moped for kicking about....£700
It was £75 a few years ago

If it stays like this I'm done with driving. I can only hope the expiration of points will bring it down massively

[Easy-X]

Shop around. I renew a fair few policies (2 bikes, 4 cars) and the only one I had trouble either keeping stable or reducing in price was for my mum and she's in her 80's.

"Post Covid complications" utter bullshit. Where were the massive drops in policy cost during the scamdemic 'cos no one was driving anywhere?
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[t121anf]

In the process of renewing my bike insurance, went up about 40%, confused got me a figure similar to last year, typically current insurer matched it.

In summary, yes expect the same for your bike insurance.

[Polarbear]

Dreading my Jag renewal. Comparison sites here I come.
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Triumph Trophy Launch Edition

[MCN]

When insurers started filing their pockets with cash based on Eastern Europeans faik accident claims, the government took them to task on it via a hearing.
It was just a hearing as the insurance body gave the government the bird.
Told them to keep their noses out of it.
Government rolled over.
Same as they did when the men who stole everyone's money during the great Bank robbery/crash. The government were afraid that the banks would fk off from uk if threatened with prosecution.
A government bank would have worked until a suitable candidate was found to operate an honest bank.

Financial Sector is like a Licensed Criminal Operation.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Easy-X]

[Villers]

My car insurance jumped by 50 quid to 390. Managed to get it for £290 instead. This is for a 42 year old in a decent area and 9yrs+ NCB. I was watching something the other day that showed cars being written off as cat S due to parts not being available and the vampires not wanting to pay out on hire cars indefinitely. Stuff like that has to have a knock on effect aswell.

Elsewhere a quite for a new Hayabusa came in at £1800, a 13 year old Fireblade at £1500 and my SV1000 was only £160 in the summer. Got a quote for a Cb1000R as £280 so I'm moving that direction but things change so quick.
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RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille ≥ Sv1000s somehow
'You came on your own, thats how you'll leave'

[Nute]

[Polarbear]

[blurredman]

[Easy-X]

[rpsmith79]

My bike renewal has just come through, and amazingly it has gone down £8 from last year

Nothing has changed, and i already have the maximum NCD, and this was a renewal letter from my current insurer, no shopping around involved
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Current Bike: Honda CG125 ES4 // Honda CB600FS Hornet // Triumph Street Triple R

[Fullers1845]

[Nute]

Thanks for the responses, seems it will be worth trying to add my second bike to the policy I’ve just taken out in due course.

[Tierbirdy]

Bike due for renewal this month, renewal quote is double what I paid last year, up from £120 to £250.

Car was mental, renewal due last month, last year paid about £300ish, this year they wanted £980.

Even shopping around on comparison sites, the best I could do was £500ish, phoned my current insurer and they just fobbed me off with "we dont do price matching". Which I never understood, surely theyre better off getting a reduced amount of money from me, than losing me as a customer and getting nothing from me?

No change in circumstances, usual bollocks excuses and the new one "inflation is making repairs more expensive so we have to put our premiums up"
My heart bleeds for these poor parasites, only making £X billions this year rather than £Y billions

Ive also looked at various multi vehicle and 6 wheel policies, its never worked out cheaper so Im not sure who theyre aimed at.

I also think you're potentially assigned a small selection of insurers at birth and theyre the only ones who will ever quote you something vaguely reasonable. Every year I just seem to circle between Admiral, Direct Line and Carol Nash. Every other insurer is usually £1k+. But then my mate who lives in the same area as me, same age, similar driving history, similar NCB, he always gets a cheap quote from LV who I can never get a quote for. Then you scroll down to the bottom of the comparison site and see people like Sainsburys insurance wanting £4k, whos getting quotes from them?!

[Polarbear]

Got the renewal quotes for my Jag and wifies Ford Tourneo Connect. I had to pick myself up off the floor. Jag up £93 and the Ford up £233

I was straight onto Direct line because I was in a shitty mood after storm isis or whatever it's called broke a pane of glass in my greenhouse so I though 'don't waste the anger '.

Anyway, after a bit 'you cannot be serious' and then whining like a little girl who's had her dolly stolen I got the Jag reduced to £30 below last years quote, so down £120 and the Ford reduced by £150. Obviously that discount is built into the renewal quote because Miss thicket, reading off her autoqueue did't even have to go ask anyone higher in the food chain.

Utter scumbags.
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Triumph Trophy Launch Edition

[A100man]

[Easy-X]

[Feasty]

Last year I combined my cars and house insurance with Admiral which made a fairly decent reduction over the total, I then made the utterly ridiculous decision to take the top level house insurance as 'surely that's better than the cheapy limited cover'.

How wrong I was... A big leak needing a shower enclosure replaced, and a damp side wall later, neither covered of course because the T&C's rule out just about everything. I'm never doing that again, such a waste of money.

I'm dreading April coming up (renewal time), not only for the 90% increase but also the amount of time it takes shopping round and comparing. So painful...
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Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).

[MCN]