Well it's that time of year where it comes to renewal due in a month, so I've started shopping around. Before my renewal came through the post, a comparison site quoted me around £500, so rang up my provider today to be told that my insurance renewal will be £1500, that's £200 MORE than I paid for my first year.

 

From what I can tell, it's my address status which is shafting me, I'm a student living away where the car is registered to my address at university, and all correspondence goes there as that's where I spend most of my time, so that's down as the risk address. Since my home address which is my bank, driving license etc is elsewhere, I also have to tell them that which is fair enough, which my current provider know. So how the hell is it that all of the sudden no one wants to touch me?

 

It's a 1.4 Fabia with tinted windows, not a Porsche! 

 

I'm just after advice really, before I launch the phone at the nearest wall!

Re register your car at home, also try LV we got a good deal for my son from them.

The issue isn't necessarily where it's registered though, it's where it's kept overnight. They just don't like having two post codes from what I can tell. I'll give LV a try though I've got less than £1k from a couple of insurers which I can live with at my age, but it's still a ball ache! I'm not looking forward to some point later in the year when I potentially get a new car, that's a headache waiting to happen!

Tell them it stays at home overnight.  I don't think this rule is a good one, as my car stays on the drive overnight, but sometimes I stay away from home, if the car got stolen from where I stay I am sure they would pay out as I was visiting, or if I were on holiday the car is away for two weeks.

 

 You have to be truthful but I am sure you can bend it a little to favour you.  This is my opinion and you must  make your choice.

The question is "where is the vehicle normally kept overnight" so if you said home when it is normally at uni then you will likely be screwed if the insurance company found out.

Sent from my Nexus 4 using Tapatalk 4 Beta

LV won't touch me either.

You will need to be liberal with the truth, you know how you achieved a cheapish quote, use that criteria again.   I would.  Or pay the money.

When I worked for a motor insurer we often had decline post codes. Certain post codes would mean a bog loading on the policy, others would be a straight decline. Where are you at uni? Some insurers will just rate the policy on the overnight post code, others will rate the policy based on whichever post code (overnight or correspondence) rates worse.

Worth contacting brokers as well as direct insurers, sometimes they can access specialist insurers. I can recommend A Plan insurance brokers. I was with them my first year driving.

I'll give them a go, I've had just under £700 from Admiral which I can live with, I just want to do better if I can!

Sorry James I but what you are recommending is a disaster waiting to happen. All you are doing by giving false information is an opportunity for the insurer to wiggle out of a claim.

I agree with Slider - if you give them any reason they could use to get out of paying they will! This goes for all insurance not just cars. It's not worth it if you value your car and don't have the money to just replace it like for like imo.

Tell them it stays at home overnight.  I don't think this rule is a good one, as my car stays on the drive overnight, but sometimes I stay away from home, if the car got stolen from where I stay I am sure they would pay out as I was visiting, or if I were on holiday the car is away for two weeks.

 

 You have to be truthful but I am sure you can bend it a little to favour you.  This is my opinion and you must  make your choice.

 

Ignore this - bad advice which could leave you with an invalid policy come claim time.  

I feel your pain.

 

I've just picked up my Fabia VRS 1.9TDI and my previous insurer (Hastings) quoted me £1500.00 for the change... I was paying £600 anyway with a 1.2 Corsa...

 

I tried direct line and I've picked up the insurance on the VRS for £450... Insurance companies always have and always will baffle me.

Not sure what your problem is. You got a quote for £500' so why worry about the high renewal quote. I rarely renew as you always get a better deal as a new customer. I just changed policy. My existing insurer quoted £300.50. I got quotes from £136 from Compare the Market. Opted for RAC at £150 and will even get the toy.

Well it's that time of year where it comes to renewal due in a month, so I've started shopping around. Before my renewal came through the post, a comparison site quoted me around £500, so rang up my provider today to be told that my insurance renewal will be £1500, that's £200 MORE than I paid for my first year.

 

From what I can tell, it's my address status which is shafting me, I'm a student living away where the car is registered to my address at university, and all correspondence goes there as that's where I spend most of my time, so that's down as the risk address. Since my home address which is my bank, driving license etc is elsewhere, I also have to tell them that which is fair enough, which my current provider know. So how the hell is it that all of the sudden no one wants to touch me?

 

It's a 1.4 Fabia with tinted windows, not a Porsche! 

 

I'm just after advice really, before I launch the phone at the nearest wall!

 

You have answed your own question shop around.

There is no such thing as loyalty discount these days.

Ive just renewed for my shogun and my existing company wanted £490 wnt on go compare and same cover £329.

Phoned the original company and they offered an extra 10%. So I switched.