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Car insurance rant......


Tony
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In a year without any claims the BMW insurance has nearly doubled.... We thought sod that and try somewhere else but they have all gone up.... It really narks me off that insurance pricing is so out of touch with inflation, it seems they have the licence to print money :thumbsdown_anim:

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You definitely have to shop about. Loyalty is a lost concept so you have to vote with your feet. Have you tried the comparison websites?

 

Yes and the difference is minimal, in fact hardly worth the hassle. 

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  • 4 weeks later...

For the new car we're looking at I've been getting insurance quotes online and with a bit of tweaking have got it down to £430 (from £500) with legal cover added and taking off cashback. Unfortunately the Admiral group are coming in the cheapest so we might have to go back to them. As it's for the missus I think we'll go with Diamond as it includes handbag protection for an extra £3!

 

Taking 2k miles off the estimated mileage gave the biggest reduction, if I add it back it's another £50. Try tweaking your mileage Tony and if you have it too low that can also increase the premium so start it at around 5k miles a year.

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Goes to show what you can save if you hunt around.... Why would low mileage like mine cost more?

 

You don't need to hunt around, just tweak the data on the comparison sites.

 

It does depend on the insurer as not all of them do it but if you don't do much mileage then you're not on the road much so you're classed as not having much experience. Same with excess, don't put it on something silly like £300 when you'll probably get the same premium with £100 excess.

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