To wonder how the hell people are paying for this?!

[Ifrreoo]

I have an average car and cost to service it is 525. My home insurance has gone up to 450 and my car insurance is 540 (yes I’ve called round endlessly). I have 18 years no claims.

I am a higher earner. I am going to massively struggle to pay for this. I don’t understand how someone on the average income could afford this? Am I going wrong somewhere? Why am i struggling to make ends meet? How do others do it?

My car requires services to keep it's 7 year warranty, but the service is £400 and that is with an independent mates rates garage! It's £500+ elsewhere, and I've already pushed getting it done.
My car insurance is £700 a year, with 14 years no claims and in a low crime area (this can drive your insurance up!)
So I can believe the numbers OP, and they suck. I don't want to pay to get my car serviced when I could get a friend to do it for a fraction of the cost but because I won't have a silly official piece of paper confirming it was done by an approved garage (basically to force you to use their parts) if my car does go wrong it's not covered on the warranty.

It's no good just saying it's a Skidya though, a small fabia (or whichever is the smallest) will cost a hell of a lot less than an SUV.
How much you use it, where you live, your age, your job etc etc will all contribute to the price of the insurance.
The service does sound ridiculously high, are you going back to Skoda for it, or just a local garage?

Shop around, use comparison sites. My car service is £200 don't use a main dealer. Your being ripped off on your car insurance, I pay £27 a month for mine. Home insurance £30.51 a month. Basically pay monthly I don't know many people that pay in a lump sum but also you can get way better prices.

I was feeling I was getting a raw deal with my car insurance.
I pay over £400.
So I put my details into Money Saving thingy and while I did find a cheaper quote (though I'm 1/2 way through my existing one so it'll cost to get out of it I should think), I did see this:

• Average in your region (East of England): £615.75
• Average for people aged 50-59: £521.90
• Average for volkswagen golf match tsi bluemotion technology 122: £845.66

So, this thread seems very swayed by people with v low insurance.

I have had 2 no-fault claims which I know increase my premium. I also pay for legal cover and courtesy car as I am a lone parent, living rurally with one car.

AI says UK average is £579.52

In the old days people just used to change the oil and filter themselves, that the main thing that needs doing

Basically pay monthly I don't know many people that pay in a lump sum but also you can get way better prices.

It's usually cheaper to pay annually.

Most of the adult children who ‘can’t afford to leave home’ are probably blowing most of their wages on high end cars and holidays

I never have my cars serviced and I don't buy home insurance either.

Who is your post meant to help?

Of course it is but most people can't afford to. Op was saying how can she afford to pay it, well by spreading the cost and paying monthly like most people. (I meant get way better prices in general for her insurance if she shops around)

That is severe. I just paid £195 on a major service

Christ.

I presume you do not have a mortgage then?

Are you going to the main dealer or local garage? ATS and Kwik Fit do services too.
Are you doing lots of mileage?

I tend to service mine around 18-24 months but only do about 8000 miles a year.

Ard you using price comparisons for insurance,?

My home insurance - buildings (£1million) and contents (£100k) is about £25/month.

Can't comment on car insurance as I have DC aged 19 on it so has bumped it up.

Have you included all the extras - recovery, legal, protected no claims etc? Have you only insured for the miles you do and removed business if you don't need it?

21 plate skoda ...15 years no claims. Swinton fully comp £178 until Sept 26. Do you renew several weeks out OP? Have a service plan if you use a main dealer?

These threads always put me in a bad mood. I should stop reading them.

Indeed! Not having home insurance is pure stupidity. It's not like you can just buy another one if it burnt down or had a gas explosion. How ridiculous to risk it for the cost of £30 a month.

Oh I see. I thought you meant you got offered a lower price if you chose to pay monthly, but you mean that there are more offers to choose from. Got it.

The rich get the best deal.....

I have taken to scrolling a bit, driving myself demented then HIDING the threads!

Your insurance can go down when you’re driving more miles - 3000 miles a year suggests you’re only doing short local journeys which is a higher risk.

I don't know if anyone has mentioned it OP, but have you considered changing your job title?
For instance if you were to use the job of "journalist" you would be charged more than many other job titles so just play around with the title.

Also try using the same company to quote on both your house and car insurances. We've found NFU to be excellent.

You need to get it to pass the MOT. This may end up costing in the long run if you don't service regularly, but that's not guaranteed.

Well when your brakes fail you need to top up the brake fluid!
FFS of course you need to have your car serviced. It's not necessary to have it done at a dealership though (unless your warranty is affected).

That’s a lot for a service! I would shop around! You don’t need to use the dealership.

Very ouch Mine is £20 a year tax, £310 insurance and ,£195 full service