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Original poster

To think my car insurance should have gone down in 12 years

38 replies

squaredcircletriangle · 10/09/2025 11:58

I am still paying nearly £800 a year for the same car I have insured for the last 12 years.
It is older now but I would have thought for a 40 year old who walks to work, has never made a claim or got any points would have been paying less.
I used to think I paid more because I was young but sadly that’s no longer the case.
Does this seem excessive or about right?
I only have a small 1.6 focus.
I know I can shop around but wanted to know if that sounded reasonable first.

OP posts:
Hibernatingtilspring · 10/09/2025 12:21

Where you live is a huge factor. When I lived in a city it was always high. Suburbs was better, now I'm more rural it's high again because there are some dangerous winding country roads that are accident blackspots.
Insurance prices generally have gone up, so if you've stayed the same it's actually not too bad. Mine hasn't changed much in the last five years (despite shopping around every time)

LadyDanburysHat · 10/09/2025 12:15

Have you been renewing with the same company every year? If so this is where you are going wrong. If you pay it, they will not change it.

Nourishinghandcream · 10/09/2025 12:12

Asking ransom people who live all over the UK to compare insurance quotes is a waste of time as there are too many variables.
You need to check on comparison sites and play with things like annual mileage, voluntary excess etc as these can affect the premium.
Even if a renewal comes through from your existing insurer and you think it looks ok, still query it or even get a fresh quote as often it will be lower.

LifeInAHamsterWheel · 10/09/2025 12:08

You'll only get good rates if you shop around and change insurer every year or so - have you been doing that? Unless you don't have a full licence or have endorsements etc then yes £800 is ridiculous!

Blarn · 10/09/2025 12:07

I have been driving since December 2022 and my insurance has gone from around £900 to £600 when I renewed it this year. Same car, no accidents.

What is the area like where you live? I know student heavy areas have higher insurance.

Idinnaenah · 10/09/2025 12:07

Really shop around OP, loyalty isn’t rewarded I’m afraid and that does seem really high.

Bluevelvetsofa · 10/09/2025 12:06

Have you done a price comparison? You should have a decent NCD by now and that’s far too much.

DashboardConfession · 10/09/2025 12:06

I'm 40 and just renewed with Hastings Direct. They quoted £299 up from £266. I shopped around, clicked "Not happy with my price" and they matched Lloyds Bank at £219! It will go down with someone else unless there has been a run of car crime in your area.

One thing though - walking to work won't help. The more mileage I drive, the less I pay.

SunnyD4ys · 10/09/2025 12:05

Get on a comparison site now, you don't need to know what anyone else pays and it takes a couple of minutes

Are you saying you've never done this in 10 years?

mamagogo1 · 10/09/2025 12:04

I paid £202 this year for a similar sized car, but insurance is very dependent on where you live, I’m in a cheap place in insure

nomas · 10/09/2025 12:02

That’s a crazy price. My car insurance is £250 pa, which also protects my NCB.

I paid an extra £40 pa for RAC breakdown cover and home recovery.

Badbadbunny · 10/09/2025 12:00

You need to shop around. Insurance firms rely on customers suffering from inertia who can't be bothered to shop around. Just go onto a price comparison website and see what's out there. It really doesn't take long.

Feelingleftoutagain · 10/09/2025 12:00

I think you need to have a good look around, I have a Ford Focus ST and pay 260 for a year

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