So was involved in an accident last year with my rapid sports( which was a cat d write off) had no claims bonus protection and 10 yrs no claims discount,

got my renewal quote today...................................EIGHT HUNDRED AND SEVENTY TWO EURO WTF!!!!!

Last year it was Five forty,

This country is an effing CON

First VRT, now Insurance, do they want people driving at all?

Simple answer? No!

 

As an ex-Dub, I feel your pain.

1 minute ago, pist0nbr0ke said:

Simple answer? No!

 

As an ex-Dub, I feel your pain.

Looks like horse and cart are the way forward 

Don't get me started

Thats cheap!  Four years ago,I had no claims etc PLUS the other driver hit me so his insurance footed the bill. Come the next quote, Way over £1200! The original policy was around £500. I asked why it went up so much as I had protected and a no fault claim. Answer.... Its due to higher insurance premium due to more claims made in the postcode.

 

MY postcode, I asked, or the postcode of the person who hit me OR the postcode where the accident actually happened?  The answer was, yep- you guessed it, all three! Left that insurer, went with another and now I'm back down to around the £500 mark. BTW, I live in East London so getting hit, scraped , broken in to or vandalised is a part of the motoring pleasure!

first car insurance just on 9 years ago on my nans old 1995 1.1 fiesta was £2400

 

car was worth £50 on a good day!!!!!!

 

it's a necessary evil unfortunately, pay up and look happy

Had enough of motoring costs now, why I do like my Octavia my next car will be a 1.0 litre Dacia Logan in basic trim at just over £7k. Don't need air con and never bother with the radio and will just go back to having a Garmin sat nav. Cheap reliable motoring, would rather spend the money on my family from now on, friends have the Dacia sandero at £5995 OTR, drives okay and gets them from a to b cheaply.

 

Edited 25 May, 20188 yr by POWYSWALES

2 minutes ago, POWYSWALES said:

Cheap reliable motoring, would rather spend the money on my family from now on, friends have the Dacia sandero at £5995 OTR, drives okay and gets them from a to b cheaply.

Have you asked them what their insurance bill is though?

13 minutes ago, POWYSWALES said:

Had enough of motoring costs now, why I do like my Octavia my next car will be a 1.0 litre Dacia Logan in basic trim at just over £7k. Don't need air con and never bother with the radio and will just go back to having a Garmin sat nav. Cheap reliable motoring, would rather spend the money on my family from now on, friends have the Dacia sandero at £5995 OTR, drives okay and gets them from a to b cheaply.

 

 

My eldest son has just bought a  new Dacia Logan 0.9 Ltr Petrol. Absolutely loves it.  

 

In ten years or so " Briskoda "  will be called  " Briskdacia "

 

 

Edited 25 May, 20188 yr by Auric Goldfinger

4 hours ago, seanbrady49 said:

So was involved in an accident last year with my rapid sports( which was a cat d write off) had no claims bonus protection and 10 yrs no claims discount,

got my renewal quote today...................................EIGHT HUNDRED AND SEVENTY TWO EURO WTF!!!!!

Last year it was Five forty,

This country is an effing CON

First VRT, now Insurance, do they want people driving at all?

 

So last year with 10 years NCB your premium was 540 euros.

 

Assuming a 65% NCB rate for that many years claim free motoring, that gross premium was 1,543 euros.

 

This year, assuming they have preserved your 65% NCB rate, your gross premium is 2,491 euros.

 

So your premium got hiked by 61,4% for that claim.

 

You'd think the insurance industry wasn't regulated, wouldn't you?

Edited 25 May, 20188 yr by SkodaVRS1963

31 minutes ago, SkodaVRS1963 said:

 

So last year with 10 years NCB your premium was 540 euros.

 

Assuming a 65% NCB rate for that many years claim free motoring, that gross premium was 1,543 euros.

 

This year, assuming they have preserved your 65% NCB rate, your gross premium is 2,491 euros.

 

So your premium got hiked by 61,4% for that claim.

 

You'd think the insurance industry wasn't regulated, wouldn't you?

And i had ncb protection too,

not worth s@%t!!!!

18 minutes ago, seanbrady49 said:

And i had ncb protection too,

not worth s@%t!!!!

 

No, the NCB protection is good.

 

What the industry needs is a protective layer around the premium (as per my workings above).

 

If you claim, even assuming your parked car is hit at 3a.m whilst you're fast asleep in bed, you'll pay more on renewal (protected NCB or not).

 

It's a racket (and I work in the insurance industry).

From the reading ive done, protecting NCB is a total swindle. I’ve not bothered this year and don’t intend to again. 

I am with Direct line 12 years no claims protected, last year I had two claims one where I was smacked up the arse in a queue of traffic (New bumper lights etc) and the second was a new windscreen. I was expecting the worst at renewal but they actually reduced my premium so maybe they're not all Bstards? 

My rant was from the perspective of trying to insure a new driver.

Personally I just paid 350 euro fully com with full bonus protection,had a claim two years ago for a 5 series written off from flood damage have always had bonus protection wouldn't be without it.

AVIVA

1.0 Octavia manual new car.

 

Edited 26 May, 20188 yr by 181ce

22 hours ago, SC03OTT said:

From the reading ive done, protecting NCB is a total swindle. I’ve not bothered this year and don’t intend to again. 

 

Every other advert on my local radio station is for mis-sold PPI.

 

In five years time, those ads will be targetting punters sold NCB protection.

 

As you say, it's a racket.

 

It's no good to me locking my NCB at 65% if my base premium is going to rise by 61% (as Sean's did in the example above).

My insurance went up by about 15% this year after claiming for a windscreen last year.

 

I also don't bother with NCB protection, that's another 15% or so extra onto the policy and as others have found the premium will likely increase anyway...

your car tax is out right extorsion too! i was parked beside a guy at a car show, he had a 1.9 golf TDI, i couldn't believe the tax it was near 700 euro!!!

45 minutes ago, JohnnyType2 said:

your car tax is out right extorsion too! i was parked beside a guy at a car show, he had a 1.9 golf TDI, i couldn't believe the tax it was near 700 euro!!! 

That's why I have a 34 year old range rover,56euro road tax Vs 1100 odd

(Over thirty =vintage tax rate.

49 minutes ago, JohnnyType2 said:

your car tax is out right extorsion too! i was parked beside a guy at a car show, he had a 1.9 golf TDI, i couldn't believe the tax it was near 700 euro!!!

Was prob a pre 08 model , post 08 Vrs Diesel is 260