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Original poster

Can't afford my car insurance since i moved house

44 replies

PinkLemonadee · 13/03/2023 15:50

I moved house after a horrible spilt from my long term partner. He was abusive and i finally managed to get away. Now live in a flat in the middle of town. It's not the best area unfortunately and when I tried to update my car insurance, the monthly payment has gone from £25/m to almost £60. It's a Zafira, 59 reg and not flash at all!

I'm only working part time at the moment due to a chronic health condition and can't physically manage any more hours. I need the car because there's no public transport to the location where I work (it's on a farm in the middle of nowhere). No chance of working from home because I nanny for two small kids.

I genuinely don't know what to do - I cried on the phone today. I need the car!

OP posts:
Dinopawus · 13/03/2023 22:01

Although PP are saying add an older driver, now that my DC are in their mid 20's and no longer live at home, they have found it cheaper to remove DH and I.

Might be worth playing around with some quotes on a comparison site to test this.

HundredMilesAnHour · 13/03/2023 22:07

Dinopawus · 13/03/2023 22:01

Although PP are saying add an older driver, now that my DC are in their mid 20's and no longer live at home, they have found it cheaper to remove DH and I.

Might be worth playing around with some quotes on a comparison site to test this.

I think it varies dramatically depending on car, area, age of the driver being added, etc etc. Definitely worth playing around with quotes.

When I was in my early 40s (and living in a fairly rough inner city area but with a nice car), adding my father (who lives 250 miles away!) saved me a significant amount. But once my father hit 70, the cost went the other away and it was much more expensive to add him rather than just have me alone.

Sarain · 13/03/2023 23:00

I think you need a new job OP. It shouldn't be too hard to find a new PT nanny job that won't require a car. Your employers are fools if they live rurally and won't pay an extra £40 a month! That's just nuts and they clearly don't value you.

PhilInt · 13/03/2023 23:23

It won't necessarily be cheaper but I'd try insuring it third party only. Not third party fire and theft though as it's probably very expensive due to you having a high risk postcode (which can be to do with malicious damage and thefts being high)

EnthENd · 14/03/2023 01:30

It's a kick in the teeth for you but location is one of the biggest factors in car insurance premiums. It's up there with age and no-claims and more important than what you drive. So I'm not optimistic that changing car would help much.

Be wary of doing too many "what if" quotes on comparison website, it can trip off the insurers' anti-fraud software which will spike up the next set of quotes. (And adding a named driver who has no realistic prospect of driving the car is actually fraudulent.)

CleverDaylight · 14/03/2023 02:29

Insure third party only ?

Lovelyveg82 · 14/03/2023 05:51

Sarain · 13/03/2023 23:00

I think you need a new job OP. It shouldn't be too hard to find a new PT nanny job that won't require a car. Your employers are fools if they live rurally and won't pay an extra £40 a month! That's just nuts and they clearly don't value you.

Given the OP has a chronic health condition that is very physically restricted to the extent she can “physically only work part time”… I suspect that she would find it difficult to find another nannying role.

Zippedydoo123 · 14/03/2023 06:08

PinkLemonadee · 13/03/2023 18:30

I have limited capacity for work with my UC, but i haven't tried PIPs because the advisor I spoke to seemed to think I'd not get it.

I see. Shame. Is it worth getting a second opinion from somebody very experienced in PIP?

KnickerlessParsons · 14/03/2023 06:49

I would have thought you could find something closer to home that would pay at least as much as childcare but would be within your capabilities, physically or mentally.
Childcare can be stressful and physical.

Original poster
PinkLemonadee · 14/03/2023 08:26

KnickerlessParsons · 14/03/2023 06:49

I would have thought you could find something closer to home that would pay at least as much as childcare but would be within your capabilities, physically or mentally.
Childcare can be stressful and physical.

The children are 7 & 11, and are lovely, at least 98% of the time. I've applied for over 150 jobs since the autumn, had interviews for a handful but some of them are genuinely beyond my physical capabilities and the others went nowhere.

I'm educated, have a First class degree and a good MA but they're not helping when I'm not physically able to do the job.

OP posts:
Lovelyveg82 · 14/03/2023 10:29

At those ages… presumably you’re just doing pick up from school with them in the car? And then after school?

Lovelyveg82 · 14/03/2023 10:31

How long have you been with the family and what is your relationship like with the parents?

Lovelyveg82 · 14/03/2023 10:32

PinkLemonadee · 14/03/2023 08:26

The children are 7 & 11, and are lovely, at least 98% of the time. I've applied for over 150 jobs since the autumn, had interviews for a handful but some of them are genuinely beyond my physical capabilities and the others went nowhere.

I'm educated, have a First class degree and a good MA but they're not helping when I'm not physically able to do the job.

Show quote history

What sort of jobs are you applying for?

User473831 · 14/03/2023 10:35

Try calling your insurance company and speaking to a person to see if you could broker a deal, it's worth a try.

premicrois · 14/03/2023 10:43

Lovelyveg82 · 13/03/2023 15:54

How do you even nanny two children with a chronic health condition that forces you to work part time? Must be bloody difficult!

Bloody hell. What on earth does OP parenting have to do with her car insurance.

This is a great example of mumsnet, sadly Sad

premicrois · 14/03/2023 10:46

Nannying not parenting Blush

kweeble · 14/03/2023 10:49

Can you try third party only insurance or with fire and theft included? That may be cheaper than fully comprehensive.

Original poster
PinkLemonadee · 14/03/2023 13:38

User473831 · 14/03/2023 10:35

Try calling your insurance company and speaking to a person to see if you could broker a deal, it's worth a try.

I did ring them and speak to them in person.

I've applied for all sorts of jobs - from basic cleaning to office work. Just not getting anywhere - i had fantastic feedback from thr last interview I did, but I had a really bad flare up which meant I couldn't do the induction stuff and they decided to go with someone else.

OP posts:
Lovelyveg82 · 14/03/2023 14:10

What is your relationship like with the parents?

When is renewal?

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