How much do you pay for insurance

chic0821

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I had this on another thread
That time of year again, the dreaded insurance merry go round for myS63 AMG Coupe. Last year it was Saga £278. This year Saga again is the cheapest by a fair bit (like for like) £215:) which has a voluntary £150 excess. I always request £0 excess so requested this. Brought it up to £228. That's me sorted for another year
 

A.J.

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2017 C200 2ltr (Petrol) ///AMG Line, Premium 4dr. 9G. Brilliant Blue with Porcelain trim
Just done a Tesco quote for me & Mrs Greedy. 8k miles w212 E350CDI. £700. Wow, seems high price. Both middle aged.
I was with Tesco for three years because there pricing was realistic. Last year they decided they were going to pull your leg so goodbye Tesco hello LV who I have been with for two years now. Tesco were not even prepared to discuss the renewal, that was their price and take it or leave it, so I left !!

The worst and the cheapest was the Post Office. I had a vehicle run into the back of me. That was a nightmare and because I complained to them about their performance and told them I wasn’t in a position to recommend them they cancelled my policy :eek:
 

rayaans

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I suspect more 26 year olds claim on Mercedes C-Class than 24 year olds claim on Jaguar XE and hence you’re more likely to claim statistically.

Potentially but then how many 26 year olds would make a claim on a BMW 540i? Almost £2k that one when I last checked
 

MrGreedy

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Just done a Tesco quote for me & Mrs Greedy. 8k miles w212 E350CDI. £700. Wow, seems high price. Both middle aged.
Gone with Admiral in the end. £450 For gold policy with £350 voluntary £150 compulsory excess (same as that Tesco quote). Including a 11-25% bhp increase remap (not yet done). It's £200 a year cheaper than my current insurer.
 

Mactech

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Norfolk
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Audi A8 50 Tdi, BMW X3, Maxda MX-5
Sometimes it seems impossible to work out why some premiums are the price they are.
I have a multi car policy with LV for my wife and I.
The Audi A8 and the BMW X3 (worth about 1/2 the amount and considerably slower) are both at about £280. Go figure?
The 'sporty' Mazda MX5 is just over £100....
Checking on comparison sites says they are (if not the very cheapest), still competitive.
The only time I have claimed on the LV insurance was when we had twin disasters with the house (flood, followed 10 days later by burglary!)
They dealt with those incidents brilliantly, so I'm sticking to a company I have good experience with, as long as the car premiums are in the ball park.

Oh! ...and I can remember who they are all insured with!
 

Bobby Dazzler

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I forget the specifics now but many years ago - in my late 20s - I got an insurance quote on a Porsche 997 Turbo. Like the 992 Turbo today, it was about as quick as road cars get, and relatively valuable too.

To my surprise the quote was barely more than much slower, much less expensive, and much less exciting metal. I thought the insurance cost would stop me buying a 911 but it turned out to be the driving position.

I can only put it down to unlikely combinations of car, driver, and address being statistically a low risk of making a claim, as it doesn’t always seem to be linked value and performance.
 

Tekman

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Mar 26, 2022
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South Yorkshire
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C 320 CDI
My Insurance for C320 due end of month renew with same company Rias £550. so me nearly 60 decided to check out saga £680.
I have hade no claims of over 20years but Rias set it to 9yrs no highier so now I cannot prove no claims because been with Rias 3yrs running now its gone up and they want my excess to be £400
so done a few comparison so far found a company called Geoffrey who quoted £380 with £250 excess
Insurance renewall time really put`s the blood pressure up 😤
 

ALFAitalia

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I have 35 years NCD.....but it only says 10 on my policy....as that's the max they go to.....makes no difference on the premium though as most companies give you max NCD after 7 to 10 years.....so if you have 20 or 35 years it wont affect the premium. Your age, driving record and location are the big ones.....and of course the insurance grouping itself....which could be a whole separate thread......I'm looking for a new (to me) car.....some of the insurance groups for high powered premium brand cars are less than rather more mundane stuff!!
 

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