car insurance - has it got incredibly expensive?

[bebeboeuf]

5 years ago I bought a car and insured it for around £300.

I was married, no kids, 28 years old at the time.

cars between then and now have been chopped and changed and generally each year insurance has crept up slightly.
I always shopped around for the best deal each year and always go with the cheapest.

5 years on today, I am changing my car back the identical car I had at 28. The insurance quotes I am now getting for that car vary between £600-£850 a year.

I am still married, I am now 33. I have more no claims bonus (11 years), i drive less, the car is now parked on the drive instead of on the road.

When I query the cost of insurance rising they just tell me that its done on statistics so can change and increase. That obviously doesn't tell me much really.

I also noticed that they have raised the excess on a windscreen replacement to £95 . It was £75 last year, and when I started driving this was around £50.

Is it just me or is everyone finding this is happening?

Have you moved to a postcode area with a higher vehicle crime rate ?

That seems incredibly high!
I am 27 with a 3 litre newish car and pay considerably less..
Can I ask what car it is?
Have u used comparison sites?

Yes its a Golf GTI.

Im not in a new area totally but have moved roads.

Im assuming in the last 5 years lots of claims have been made for this type of car and that maybe crime rate of cars in my area has increased.

I did get a speeding fine 3 years ago, a normal SP30, but surly that wouldnt put the price up by that much?

My car insurance has gone up as well. I wonder if it’s something to do with the age of the car (it’s 8 years old) as Green Flag have put their prices up too. I did shop around hoping for a better deal but the increase seems to be across the board.

The car make and model you drive is a major factor, and I suspect a Golf GTI is more expensive than a Skoda. You can check the insurance group for cars here:
www.uswitch.com/car-insurance/the-cheapest-cars-to-insure/