Jump to content
Nicky_P

Insurance

Recommended Posts

As our Karoq is due Easter weekend I thought I'd run it through an insurance comparison website.

My wife currently has a Nissan Juke costing £165 a year to insure, cheapest quote on the Karoq is just under 300.

 

Now I understand it's going to cost more than her current car as is value is a lot higher but it's more than we pay to insure our Golf R, this I can't understand.

Anyone else thinking the insurance is a little higher than they were expecting.

Ultimately it is what it is but yet again the insurance industry baffles me......

Share this post


Link to post
Share on other sites

My insurance went down by a couple of pounds - I was moving from an Octavia Estate to the Karoq. My existing insurer did appear to be cheaper than the comparison sites (unusually!) so it'll be worth seeing what they say.

Share this post


Link to post
Share on other sites

Got a quote on a Karoq similar to what I have ordered and it only works out A little bit cheaper than my Polo GTI. Bear in mind that I am 27, so that may have an affect on the insurance cost. 

 

I was expecting it to be quite a lot cheaper due to the insurance category is a lot lower. 

Share this post


Link to post
Share on other sites

From what I understand the rates in the uk motor rates have been increasing slowly for a bit. There was a regulatory change to payouts (Ogden ruling?) which meant insurers were paying more, so had to react. Also I think there was a steady decline in that market over a period, so eventually they have to start making money back again somewhere. 

 

My knowledge is limited on that side (I work in insurance, but not motor) so don’t know if that’s helpful! 

Share this post


Link to post
Share on other sites
8 hours ago, Nicky_P said:

As our Karoq is due Easter weekend I thought I'd run it through an insurance comparison website.

My wife currently has a Nissan Juke costing £165 a year to insure, cheapest quote on the Karoq is just under 300.

 

Now I understand it's going to cost more than her current car as is value is a lot higher but it's more than we pay to insure our Golf R, this I can't understand.

Anyone else thinking the insurance is a little higher than they were expecting.

Ultimately it is what it is but yet again the insurance industry baffles me......

Try getting a quote off my Aviva £170.00 for my edition not a comparison site 

  • Like 2

Share this post


Link to post
Share on other sites

we updated our existing insurance, took off fiesta and added karoq, and costs increased by £16 which surprised me. No doubt it will cost more for full year.

Share this post


Link to post
Share on other sites

Insurance for my wife (45yo) and myself (47yo) cost £280 on a 1.5TSI DSG. Location London.

 

We can also add our 17yo (on a Provisional License) for a further £300. Insurance Company is AXA.

Share this post


Link to post
Share on other sites

Tranferred my insurance from 9.00am tomorrow from my Octavia to the Karoq which cost a minimal amount (more of an admin charge), my insurance is due 14th April, had my renewal notice through yesterday and the Karoq is £80 cheaper than what I paid last year on the Octavia so pretty happy with that, seeing as they are both the same power output (150bhp) and similar value when new.

Share this post


Link to post
Share on other sites

Tried to swap my insurance over from my 66 plate Kia niro to my 1.5 karoq dsg similar price when new and was told they couldn't insure new car and cancelled my insurance

with no explanation had to move to another firm and got it cheaper than the one I was iwith crazy 

Share this post


Link to post
Share on other sites
4 minutes ago, Peddy said:

Tried to swap my insurance over from my 66 plate Kia niro to my 1.5 karoq dsg similar price when new and was told they couldn't insure new car and cancelled my insurance

with no explanation had to move to another firm and got it cheaper than the one I was iwith crazy 

Some insurers can be slow to document new models. My guess is that your car wasn't on their database so the option for them was to deny insurance.

Share this post


Link to post
Share on other sites

Yes you are right it wasn't regiisted till the day I picked it up 2 days later but I had the reg number. 

Share this post


Link to post
Share on other sites

It’s certainly a lottery. I got a quote from a comparison site @ £350 fully comp which was for a business rate inc social etc and full breakdown. Considering I do an average of 30,000 miles a year I thought pretty fair. 

Think I’ll give Dan a call as I will need to insure a ZZR next month and then an MG in July. Nothing but money flowing out the door over next few months.

Share this post


Link to post
Share on other sites
On ‎21‎/‎03‎/‎2018 at 22:25, Nicky_P said:

As our Karoq is due Easter weekend I thought I'd run it through an insurance comparison website.

My wife currently has a Nissan Juke costing £165 a year to insure, cheapest quote on the Karoq is just under 300.

 

Now I understand it's going to cost more than her current car as is value is a lot higher but it's more than we pay to insure our Golf R, this I can't understand.

Anyone else thinking the insurance is a little higher than they were expecting.

Ultimately it is what it is but yet again the insurance industry baffles me......

Wife went from Rapid Spaceback 1.2Tsi to  Karoq 1.5Tsi and insurance went up by just £6.

Share this post


Link to post
Share on other sites
On 22/03/2018 at 06:43, George1468 said:

Try getting a quote off my Aviva £170.00 for my edition not a comparison site 

Thanks for the tip. Got a quote today £169, got to love car forums :thumbup:

  • Like 1

Share this post


Link to post
Share on other sites

We went from an Octavia 1.6TDI SE L to a Karoq 2.0 TDI 4x4 Edition and Insurance stayed the same. 

Share this post


Link to post
Share on other sites
9 hours ago, Nicky_P said:

Thanks for the tip. Got a quote today £169, got to love car forums :thumbup:

Good news don't for get they do multi cover too

Share this post


Link to post
Share on other sites

Tried Aviva directly and WOW !!

 

Currently been quoted for renewal with my existing insurer £460 (which was £80 cheaper than last year), Aviva just quoted me £300 including NCB protection, Legal cover and Courtesy car.

 

Think i know where I'll be going !

Share this post


Link to post
Share on other sites

Yeti (140 4x4) renewal £270.00 changing to Karoq 1.0L down to £230 both are full packages with legal, NCB protect etc.

Share this post


Link to post
Share on other sites

We change 16 plate Yeti 1.2tsi SE DSG tomorrow for our Karoq 1.0tsi SE DSG. 

 

Churchill want £15 to RD in Sept inc their £25 admin charge so effectively the AP has reduced.

 

Diaried to try Aviva in Sept.

Share this post


Link to post
Share on other sites
1 hour ago, Michael G said:

We change 16 plate Yeti 1.2tsi SE DSG tomorrow for our Karoq 1.0tsi SE DSG. 

 

Churchill want £15 to RD in Sept inc their £25 admin charge so effectively the AP has reduced.

 

Diaried to try Aviva in Sept.

 

Funnily mine went down from the Octavia to the Karoq at a cost of £16 which included the £25 admin fee, so was effectively £9 cheaper (4 weeks to go on the policy), just sounded strange when they told me I had £16 to pay and this included the £25 admin :wacko:

Share this post


Link to post
Share on other sites
5 minutes ago, Panther_uk said:

 

Funnily mine went down from the Octavia to the Karoq at a cost of £16 which included the £25 admin fee, so was effectively £9 cheaper (4 weeks to go on the policy), just sounded strange when they told me I had £16 to pay and this included the £25 admin :wacko:

 

When I was doing adjustments with General Accident in the 60's (one of the Aviva ancestors) there were no "admin charges" - aside from an industry agreed flat £2 for a Green Card. If the annual premium increased, there was a debit. If it went down, they got a refund. But no charge for my expertise :biggrin:

 

Things have certainly changed when to ring up to speak to a human to alter something it costs £25 :D

 

One of the factors we'll take into account when looking round at renewal is whether they can accomodate changes online. Between Skoda's 5 day temp covernote and Churchill, we were 25 mins on the blower today :sadsmile:

Share this post


Link to post
Share on other sites
4 minutes ago, Michael G said:

One of the factors we'll take into account when looking round at renewal is whether they can accomodate changes online. Between Skoda's 5 day temp covernote and Churchill, we were 25 mins on the blower today :sadsmile:

 

No mention of the free cover from Skoda when i picked mine up but I'd already swapped the insurance.

 

Previously I was with 'Quote Me Happy' wwhich I believe is part of Aviva, and I could easily make changes online FREE !! :biggrin:

  • Like 1

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now


  • Recently Browsing   0 members

    No registered users viewing this page.

×

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.