Insurance is a JOKE

[Bobby Dazzler]

I think it may be AMG line at that price, or an A35?

Ahhhh. Maybe.

 

[Tekman]

Your grandaughter’s is a great price, is it the original A 45 or the current A 45 S? I do like

Ahhhh. Maybe.

Ahhhh. Maybe.

My Apologies Yes AMG LINE

 

[Tekman]

Well decided to check using her reg for me on meerkat and came back has bloody £700
I give up insurance makes no sense

 

[AMGeed]

^ Insured my C180k today for £283 with Darwin through Confused.com . It was the best price I could get and is only £18 more than last year.
Happy with this as I initially thought it would be far higher. Hopefully more sensible prices in 2024

	Annual price​ £282.44 Expires in 25 days Total excess: £500	Legal cover	Courtesy car	Breakdown	Windscreen	Personal accident	More info
No £28 extra	Yes	No £30 extra	Yes	Yes

	Annual price​ £283.96 Expires today Total excess: £450	Legal cover	Courtesy car	Breakdown	Windscreen	Personal accident	More info
No £26.99 extra	Yes	No £32.99 extra	Yes	Yes

	Annual price​ £308.95 Expires today Total excess: £450	Legal cover	Courtesy car	Breakdown	Windscreen	Personal accident	More info
Yes	Yes	No £32.99 extra	Yes	Yes

	Annual price​ £321.07 Expires in 25 days Total excess: £400	Legal cover	Courtesy car	Breakdown	Windscreen	Personal accident	More info
No £28 extra	Yes	No £39.99 extra	Yes	Yes

Personal accident cover

 

[Dryce]

I give up insurance makes no sense

It doesn't.

But the general pattern over the last two decades is that there are regular news stories about insurance going up. I'm convinced the sector does this as a form of underlying PR to set renewal expectations.

The government legislation on renewal pricing looks like pro-consumer legislation on the surface but probably isn't - my observation is that t basically incentivises the sector to organise itself to hold pricing for new policies and use this as leverage to hold renewals. The overall affect is probably to reduce price competition.

This has coincided with Direct Line Group taking a bit of a pounding which has - I suspect - made them less aggressive - further reducing competition in the market overall.

And then we have EVs in the mix. Possibly having an effect in terms of recovery and repair costs.

 

[ALFAitalia]

And then we have EVs in the mix. Possibly having an effect in terms of recovery and repair costs.

I don't see that affecting anything premium wise.....except for those that own them. There has beens a spate of ALFA Giulia Quad theft due to villains exploiting a now well known weakness involving the front radar.....that just means that premiums for them have been adversely affected......but it does nor affect everyone else. I would have thought it would be the same for EVs.....their owners take the risk via higher premiums....not some old dear in her old Fiesta. I'm not convinced that the costs of high risk cars are spread across the rest of us.....all we would all pay a similar premium. Also I don't see recovery cost being any more for an EV than any other car. Its a myth that they cant be towed or rolled when the batteries fail or go flat.

 

[RogerSausage]

Its a myth that they cant be towed or rolled when the batteries fail or go flat.

It's not a total myth. I worked as an AA Patrolman up until April this year, and a vast majority of full EV models are "full lift only" if they go flat.

Like a Jaguar I-Pace for example, they have to be moved on skates or straight up in the air with a Hiab crane or similar. Even stripping down and manually disabling the parking brake, and then somehow uncoupling the drive motor is still no use, as the manufacturer say they can't be flat towed due to potential drivetrain damage.

 

[zipdip]

Well the cost of insurance is governed by location,where I live insurance in general both car and home are low.

 

[Tekman]

^ Insured my C180k today for £283 with Darwin through Confused.com . It was the best price I could get and is only £18 more than last year.
Happy with this as I initially thought it would be far higher. Hopefully more sensible prices in 2024

	Annual price​ £282.44 Expires in 25 days Total excess: £500	Legal cover	Courtesy car	Breakdown	Windscreen	Personal accident	More info
No £28 extra	Yes	No £30 extra	Yes	Yes

	Annual price​ £283.96 Expires today Total excess: £450	Legal cover	Courtesy car	Breakdown	Windscreen	Personal accident	More info
No £26.99 extra	Yes	No £32.99 extra	Yes	Yes

	Annual price​ £308.95 Expires today Total excess: £450	Legal cover	Courtesy car	Breakdown	Windscreen	Personal accident	More info
Yes	Yes	No £32.99 extra	Yes	Yes

	Annual price​ £321.07 Expires in 25 days Total excess: £400	Legal cover	Courtesy car	Breakdown	Windscreen	Personal accident	More info
No £28 extra	Yes	No £39.99 extra	Yes	Yes

Personal accident cover

This wa mine for C320 2008 42yrs driving no convictions or accidents

 

[190]

^ Insured my C180k today for £283 with Darwin through Confused.com . It was the best price I could get and is only £18 more than last year.
Happy with this as I initially thought it would be far higher. Hopefully more sensible prices in 2024

The renewal for my C180k came through from Carole Nash at £221 which was a big increase over last year.

Compare the market .com email me automatically every year with new quotes the best of which were approx. £155. After wasting a few days to make sure I had cancelled the the auto renewal I went with Swinton Insurance at £161. That's fully comp. limited to 4000 miles per year

Isn't auto renewal and the way they can make it difficult to cancel a real PITA.

I would advise against Carole Nash on the ambiguity of auto renawal alone.

 

[Tekman]

I am doing quotes on 15,000 miles a year what you all putting down has milage would be intrested

I have fully comp , legal , No Breakdown , protected No Claims , Personal accident cover

Any tip`s on how to reduce it while still having ability to go out (lol)

 

[markjay]

I am doing quotes on 15,000 miles a year what you all putting down has milage would be intrested

I have fully comp , legal , No Breakdown , protected No Claims , Personal accident cover

Any tip`s on how to reduce it while still having ability to go out (lol)

Postcode also mages a huge difference.

 

[ALFAitalia]

It's not a total myth. I worked as an AA Patrolman up until April this year, and a vast majority of full EV models are "full lift only" if they go flat.

Like a Jaguar I-Pace for example, they have to be moved on skates or straight up in the air with a Hiab crane or similar. Even stripping down and manually disabling the parking brake, and then somehow uncoupling the drive motor is still no use, as the manufacturer say they can't be flat towed due to potential drivetrain damage.

One of my customers has an I Pace....and because it's a piece of crap (his words) hes been recovered a few times with by Jag recovery. They have a tool that enables electronic release of the handbrake ....and that's it....no disconnection of the motors is required.
Most EVs can be pushed.....
You can push an electric car, but you must make sure that you put it into neutral first.
In neutral the motor becomes isolated from the control system automatically.

 

[RogerSausage]

One of my customers has an I Pace....and because it's a piece of crap (his words) hes been recovered a few times with by Jag recovery. They have a tool that enables electronic release of the handbrake ....and that's it....no disconnection of the motors is required.
Most EVs can be pushed.....
You can push an electric car, but you must make sure that you put it into neutral first.
In neutral the motor becomes isolated from the control system automatically.

Jaguar don't have a recovery operation, it's ran by the AA.

I won't go in to the rest.

 

[ALFAitalia]

Can You Push An Electric Car? - Green Living Nation

There might be so many instances when you need to push an electric car. Sometimes it's an accidental breakdown in the middle of the road, and you need to push

greenlivingnation.com

 

[AMGeed]

I am doing quotes on 15,000 miles a year what you all putting down has milage would be intrested

I have fully comp , legal , No Breakdown , protected No Claims , Personal accident cover

Any tip`s on how to reduce it while still having ability to go out (lol)

That will explain part of the difference between your quote and mine.
Only 4k miles a year and the postcode is the reason . Everything else is similar.

 

[AMGeed]

The renewal for my C180k came through from Carole Nash at £221 which was a big increase over last year.

Compare the market .com email me automatically every year with new quotes the best of which were approx. £155. After wasting a few days to make sure I had cancelled the the auto renewal I went with Swinton Insurance at £161. That's fully comp. limited to 4000 miles per year

Isn't auto renewal and the way they can make it difficult to cancel a real PITA.

I would advise against Carole Nash on the ambiguity of auto renawal alone.

That is an excellent deal. Compare the Market came in at £299 for me. with Churchill.

 

[RogerSausage]

Can You Push An Electric Car? - Green Living Nation

There might be so many instances when you need to push an electric car. Sometimes it's an accidental breakdown in the middle of the road, and you need to push

greenlivingnation.com

FFS, here we go.

If you notice in the article, the first step to putting all of those models in "neutral" is to "start the vehicle" or "power it up". If it's been in an accident or ran out of charge in the HV side, what do you think you won't be able to do?

I did 6+ years of 11.5 to 14 hour shifts, 7 and sometimes 8 days in a row. I dealt with these things every single day. When I say that most EVs need a full lift when they're of charge or can only be pushed such a short distance that it's impractical or risks damage, it's not just random b0llocks I've decided to pluck out of the air. It's real world experience, day in and day out. A web article describing how to be allowed to send a Tesla through a carwash isn't really relevant.

Yes EVs have a "neutral" and can be pushed (mostly extremely short distances), but only when they're in perfect working order. Not after an accident or when they're out of charge. In fact, even the 12v side being out of juice will disable most of them, irrespective of the HV side being full. If the low voltage side is integrated in to the main battery (a system many have adopted), then the Li-ion management system sometimes won't let them respond to a 12v boost either.

If there's been an accident and the emergency services have attended, they'll have probably pulled the service plug out too to isolate everything. Again, good luck getting one to roll in those circumstances.

In the context of insurance and recovery, EVs are undoubtedly more expensive and time consuming to move.

But, what do I know anyway?

 

[ALFAitalia]

In the context of insurance and recovery, EVs are undoubtedly more expensive and time consuming to move.

Absolutely......but if you look at my post I said they can be pushed towed when batteries go flat.....not accident recovery..but that should not affect those of us with ICE vehicles.......it's an EV issue and only EV drivers should pay the extra insurance to cover it.
I bow to your superior experience with recovery.....I can only go on what owners tell me and post online what owners my IPace owning customer/friend told me.

 

[markjay]

One of my customers has an I Pace....and because it's a piece of crap (his words) hes been recovered a few times with by Jag recovery. They have a tool that enables electronic release of the handbrake ....and that's it....no disconnection of the motors is required.
Most EVs can be pushed.....
You can push an electric car, but you must make sure that you put it into neutral first.
In neutral the motor becomes isolated from the control system automatically.

Of course, all the other models from Jaguar Land Rover in recent years were ultra-reliable...