I have just got a second hand superb 16MY. I have the dreaded task of changing over my policy to the new car. I am trying to assess if it is worth retaining my no claims bonus (5 months left till renewal) or get a new policy.

 

Last month I queried on whim for a Skoda Superb and was told it will be ~£90 extra for the remaining 5 months or so. This has me baffled the superb is 10 insurance groups lower than my current car! I feel like they have me over a barrel as I either pay up or go walkies and lose my NCB.

 

To give you an idea my original policy was £505 so working it out that comes to an extra £213 for a car that has more safety features and a lower insurance group.

The £90 probably also includes an admin fee. The value of your car also affects the premium as well. 

I suggest you look at a comparison site to get a guide price.

My original quote was on the back of my renewal quote(another company) with a discount. I have done a direct comparison. Online now, I am getting ~630 as the best price same number of years of NCB. I redid the quote on my original car and it came out at £690 

 

Some how my insurance always goes up every year and I have to fight them to get it down again even though I have had no accidents

 

Put his in perspective 2 years ago, renewal was £530.

Some insurers include a length of ownership discount in their rating calculations. If you switch to a new vehicle that factor is removed. That insurer MAY also have seen higher claims frequency or costs on that new model which could also skew the premium.

Hi.

If do need any help with insurance at all then please feel free to drop me a line.

We'd also send you a free goody bag too for just getting a quotation at the moment.

Regards,

Dan.