[Sarg3005]

Came across another thread in the advice section and a couple of users mentioned their age, what car they had, and how many no claims discount yet have an what there premiums where..

Just got me interested in how much this varies from person to person.

I'm 23 with a Renault megane been driving for 5 years and have 5 years ncb. My renewal came through and was £126 per month!

My partner also 23 passed her test the day before my renewal. To get her insured on my policy and only holding her license for 1 day brought my premium down to £82 a month :s

I haven't got a clue how they work this out!

[lemoncurd]

She's female, therefore careful. They assume that if she drives the car 50% of the time, that's 50% fewer prangs.

[David (2)]

it also depends on things like your job, where the car is parked overnight, how deprived (or not) is the area where you live.

I do shop around but the most i can ever save is about £30-£50.
I currently pay about £360 a year, fully comp for a 1.4TDI Polo (this is with 10+ years NCD).
Its a mostly poor rural area, with not many jobs and even less well paid ones. I have learned that for some reason my line of work increases my car insurance as well.

[Richard46]

The variation post code to post code is huge and makes any person to person comparison difficult.

Me; I'm 66 full no claims, retired, declared mileage of 5000; £250 excess. New 2.0l Skoda diesel and the cheapest I can find is about £500 p.a. Tis cos I live in E.London innit.

First Direct refused outright to insure me for any money when I bought a new Jag a few years ago.

[PopRocket]

I pay about £288 a year fully comp with zero excess

[monkeydave68]

Originally Posted by lemoncurd

She's female, therefore careful. They assume that if she drives the car 50% of the time, that's 50% fewer prangs.

except in supermarkets when it will be bumpercars

[Soupbowl]

10 yr old BMW 330 7 yr no claims, wife named on policy, garage 8000 miles £286 this year no convictions

[John146]

72 retired £290.00 per annum for Renault Scenic 1.6....

[tellywatcher73]

39, ford mondeo 1.8, fully comp with full no claims, live in large town with car parked on street, 250 excess, husband as second driver, £620 per annum

[Lummo]

Originally Posted by lemoncurd

She's female, therefore careful. They assume that if she drives the car 50% of the time, that's 50% fewer prangs.

I thought they couldn't offer different prices based on gender now because of the EU Gender Directive or something?

[Moony]

Originally Posted by lemoncurd

She's female, therefore careful. They assume that if she drives the car 50% of the time, that's 50% fewer prangs.

Thought that assumption had been done away with recently.

[Moony]

Originally Posted by Soupbowl

10 yr old BMW 330 7 yr no claims, wife named on policy, garage 8000 miles £286 this year no convictions

Do you have a drive - it may be cheaper to keep the car there rather than in the garage - depending on your area (it is for me).

[Aspartame]

Originally Posted by Lummo

I thought they couldn't offer different prices based on gender now because of the EU Gender Directive or something?

Yes indeed, it means that a lot of women are now paying more than before, and conversely some men are paying a bit less.

Hard as it is for a man to accept, women DO tend to have fewer accidents, and when they do they cause less serious damage than men

[Soupbowl]

Originally Posted by Moony

Do you have a drive - it may be cheaper to keep the car there rather than in the garage - depending on your area (it is for me).

Yes, I didn't try that option. It's worth trying all sorts of combinations to get the premium down. Also use a cash back website they are usually good for £30 or so

[treme]

I've just gone from paying £900 a year on a 10 year old BMW 3 litre to £303 on a 2011 Insignia VX Line Sri 2.0 Diesel that I bought for work. Happy days.

[Lummo]

11' Fiat 500 1.2, passed test in August so still no ncb also my mother is a named driver on the policy(which made it more expensive) and she has full ncb. That's £112 per month with both my staff discount and nectar discount, zero compulsory/voluntary excess and no upfront deposit.

[Moony]

Originally Posted by Aspartame

Hard as it is for a man to accept, women DO tend to have fewer accidents, and when they do they cause less serious damage than men

As a man who has never had a fault accident in 20 years of driving - and knowing plenty of women who have - yes its hard to accept.

I want to be compared to drivers of similar driving ability and maturity - not to people who just happen to have similar shaped genitals.

I bet all else being equal - the accident rate and cost wouldn't be that different. Women on average drive lower value cars, less of the time, for lower miles on less dangerous roads at less busy times. All of these things probably contribute significantly to the apparent disparity in accident rate. Correlation does not imply causation.

[Moony]

Originally Posted by Soupbowl

Yes, I didn't try that option. It's worth trying all sorts of combinations to get the premium down. Also use a cash back website they are usually good for £30 or so

I was actually shocked when I did it. It was £300 cheaper to park on the drive than in the garage!

[Bulletguy1]

Focus 1.8, zero excess, 6 years NCD, two vehicle owner.

£153 fully comp but the figure will be less when my policy comes into force as i'd told them 5yr NCD so they are re-adjusting the premium.

[howardl]

Originally Posted by John146

72 retired £290.00 per annum for Renault Scenic 1.6....

Good grief....stung or what!!!

[mackara]

2 car policy both cars group 16 costs me 350.00 fully comp and business use with 100 pounds excess, the big bike strangely only costs me 98 pounds fully comp.

[howardl]

55 ,
been driving since '77
clean license
£172 comp, no voluntary excess , NCB protection
on a nearly 10 yr old 1.3 CDX Yaris
with named driver


PS..why do people call it fully comp?
comprehensive means across the board, all included.
Aint heard of partial comp

[Punkchick]

Originally Posted by treme

I've just gone from paying £900 a year on a 10 year old BMW 3 litre to £303 on a 2011 Insignia VX Line Sri 2.0 Diesel that I bought for work. Happy days.

That's good, I have the Insignia 2.0 petrol turbo SRI and pay £400 pa. Full NCB and no excess.

[mackara]

Originally Posted by howardl

55 ,
been driving since '77
clean license
£172 comp, no voluntary excess , NCB protection
on a nearly 10 yr old 1.3 CDX Yaris
with named driver


PS..why do people call it fully comp?
comprehensive means across the board, all included.
Aint heard of partial comp

not always, comprehensive does not cover business use/class 1 use.

[Acornati]

Last car, Toyota yaris was £150 a year, female 26 with 4 year ncb. New car (Kia ceed) is £214 a year, I blame the change in car and equality ruling for the increase! Both fully comp. Some people pay a fortune for their insurance!