To think car insurance prices are insane and it’s unfair?

[WaterfallGlitter6]

I’ve had my license since I was 18 and I’m now 21 (22 next week). The insurance cost (£2,600 a year!!) for my Tiguan is insane even though I’ve never had an accident or claimed on my insurance at all. I understand that it’s higher because people my age are more likely to have accidents (I’ve never been involved in one and drive carefully) but for people who have never had to claim on their insurance and who drive carefully it’s unfair. I also understand it’s higher too because I have a Tiguan but I still think insurance prices are insanely high. AIBU to think car insurance prices are insane and it’s unfair?

Only if you actually want to. Contrary to some of the downright unhinged posts on here, a 9 year old Tiguan is not an expensive car. Nor is it particularly large or powerful. It’s essentially a glorified, slightly taller hatchback. It sounds like you’ve got a lot on your plate right now so if the Tiguan works for you and you don’t want the hassle of selling and starting over then I wouldn’t.

The main issues are your age, where you live, and possibly that you didn’t shop around enough. I would hunt for lower rates as soon as you can, and consider a black box if you can find one that is reasonable (not restricting you by time, for example). The age issue will gradually resolve itself and presumably you can’t/don’t want to move right now so you can’t help those two right now.

Before everyone tells OP to look at getting a smaller cheaper car, we need to know the ages of the children. If all 3 require baby seats then there are only so many that fit three car seats in across the back.

Again people are being overly harsh on a young person here.

Before you get a black box, do some research. Don’t go with Hastings for a start. I’ve read countless posts on other websites about them canceling people’s policies for the tiniest of things. You will have to declare that for the rest of your driving life and your future policies will be sky high

You could get a much older suv but then you may have mechanical issues. Is it worth the risk?

You’re a young driver with only a few years of NCB. Maybe you live in a post code with a high crime rate?

I always use confused.com for quotes

It’s insane.

When I moved in with DP I moved from a nice but high crime area - think targeted high value car thefts due to the proximity to the motorway - to a nice quiet estate with very little activity of this nature and my insurance shot up massively, just with the change of postcode.

I’m mid 40s, I have god knows how many years no claims (15 years plus!), clean licence for well over ten years and it’s still mega high. I also drive a Tiguan like you OP and it’s a basic 1.5 semi auto model. I do do high mileage though so possibly related to that, but still!!!!! Arrrrgghhh

The children are 6 months, 18 months and 2 years old.

If you’re fostering two plus your cousin, any 5 seater car would do, wouldn’t it?
Do you do much travelling (motorways etc.)?
My first car was an old Kia Picanto, tiny 1L but fit my daughter’s car seat in and my insurance was £864 a year (£72 a month) and that was straight after passing my test.
You would get much cheaper insurance on a 1L/1.2L without a turbo.

That's high. My 22 year old DS pays £800 but he has an old Peugeot

I think you should run it through a comparison site, like Go compare, or money supermarket. You might be able to get it down a bit.

My DS is 21 and drives a 2002 1.2 litre fiesta and his insurance is less than £500 so it’s your car your location or your job or a combination of all of it.

Thanks OP. I can see why you need a big ish car. Three car seats plus a double buggy means you need room.

When does your policy renew? Definitely start with the comparison sites -gocompare, compare the market and money saving expert. I’d run a quote through them all as you may find they give different prices for the same insurer.

As you have car seats, I’d check the cover to see how much they would cover for the seat and how many as this would be expensive should you have an accident.

You can can also vary your excess which is the amount you’d pay towards repair or a new car in the event of an accident. If you increase your excess, this will bring down the cost of insurance but do ensure you would have enough to pay the excess too.

Good luck and ignore anyone on here being nasty.

I don’t want to be an arse, but car insurance has generally got so expensive for all of us. I am 60, loads of no claim insurance, a 17 year old car worth about £2k and spent hours on comparison sites last year. Still paid £250

Can you speak to their social worker? You deserve sufficient financial support to cover the cost of transportation.

Is the fact I’m in Blackpool a factor for why the insurance cost is high too?

I’m having a look on comparison sites now too.

@Codyrhodesisaheel There is: it’s called Pass Plus, and you do around 6hrs extra lessons with an instructor after your driving test. It isn’t tested, but you get a certificate of completion and you can get an insurance discount with some insurers.

Just even the motivation and commitment to do Pass Plus probably means, for insurers, that you’re the kind of driver who is more likely to be responsible, and less likely to drive like an idiot.

https://www.gov.uk/pass-plus

Info here. I did it after my driving test and it was actually very useful — covered night driving, adverse weather driving, and motorway driving (when I took my test you couldn’t drive on the motorway on a provisional licence, even with an instructor).

This kind of thing increases everyone’s premiums.

Looking on comparison sites at the moment and the cheapest I can find at the moment is £2,400 and I’m currently paying £2,600. I don’t know what to do.

Strange it’s that high.

It’s not even remotely powerful.

Yes.

Lancs Live article
One of the highest crime rates in the country.

Just got another price online from another Insurance company which is £2,200 which is the cheapest quote I’ve had yet.

I’m not even sure what other cars I would look at if I do look at other cars.

I am so sorry if this has been said before, I will be honest, I haven’t RTFT.
Do you have a partner or parent who can join you?
Martin Lewis also points out that, slightly changing (not illegally but in a certain way) your occupation might help.
I would definitely look at his tips to start with xx

I'd go to an insurance broker who'll be able to help personally.

You have three kids. From memory the ford was the cheapest to insure.cant remember the model though, so check with them.