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Original poster

Still not getting why my car insurance is through the roof

70 replies

Kennykenkencat · 30/01/2022 16:56

Talked about this before and I realised as we had recently moved house that my electoral role info wasn’t up to date and also thought this could be the reasoning behind my lack lustre credit score despite not owing a great deal and being perfectly up to date with everything.

Thought I had cracked it.

My credit report is now showing I am on the electoral role . It has made no difference to my score.

It also hasn’t made any difference to my car insurance quotes.

I still have quotes in the tens of thousands to be a main driver on a car which my young Dd who has many points on her licence is getting quotes for her to be a main driver which are high but not ridiculous
I have to be a secondary driver to Dd in order to afford the insurance.
I have been driving 35 years. I have only ever had 3 points on my licence for going 34 in a 30 (thought it was 40mph speed limit at the time. Apparently I should have noticed the street lights) and that was in 1988.
And was once in a car accident that wasn’t my fault. Driving up a road and the car in the other carriageway couldn’t stop for the cars waiting at the traffic lights and so turned their wheel and embedded their car into my ribcage.
That was early 90s.

I have checked my driving licence with the DVLA and it is perfectly clean.
Actually found out I can drive 8.5 ton trucks😁. Dream job.

Do you think the DVLA would know why I am not getting competitive quotes or should I phone the insurance companies.

Just don’t want to spend hours on the phone waiting for someone to take my call and then not know themselves

OP posts:
Soontobe60 · 30/01/2022 20:41

What is the car you want to insure, how old is your dd, how many pints does she have on her license?

Original poster
Kennykenkencat · 30/01/2022 20:42

[quote heartonthetyne]@Kennykenkencat my second post clarified I meant driving not drinking. Because you're understanding of how to drive safely on public roads is pretty bad from your comments on the other thread. [/quote]
What part is pretty bad?

I realised that there was confusion over where the cyclists I had encountered were

Middle of the road could mean 2 places. Either cycling in front and centre of the carriageway in front of cars which is no problem as opposed to the couple of cyclists I had seen who were in the “middle of the road” I.e in front but to the right where there would be a central reservation if one was put there.

OP posts:
LubaLuca · 30/01/2022 20:46

What car are you trying to insure? Is it actually worth tens of thousands? What's the cheapest quote you've had?

Original poster
Kennykenkencat · 30/01/2022 20:55

It was for a lease car. Fully Electric car as our petrol bill as a family is eyewatering.

We have had lease cars before.

We weren’t going for a Tesla or anything sporty. We weren’t decided on any particular car. I just wanted one that had a good safety record and was a bit chunky and had cruise control.
Dd never had a single speeding ticket when we had a previous car that had a proper cruise control as opposed to a speed limiter that could be broken if you put your foot on the accelerator and pressed down.

OP posts:
Original poster
Kennykenkencat · 30/01/2022 20:56

Probably something that was £20-£30,000 and had insurance quotes for the same amount.

OP posts:
Original poster
Kennykenkencat · 30/01/2022 20:57

Dd is very early 20s and has been driving for 3 years

OP posts:
Original poster
Kennykenkencat · 30/01/2022 21:02

@bigbluebus

Do you have any medical conditions? Are you in a 'high risk' job? My DB used to be a journalist in a former life and it pushed his premiums up massively. Is the car in a high insurance group? As others have said your points and previous claim will be irrelevant now as they are so long ago.
Not a high risk job or anything like that. I do drive a lot because of my business though which usually involves furniture and a lot of painting.
OP posts:
Original poster
Kennykenkencat · 30/01/2022 21:03

No medical conditions that I need to inform the DVLA of. They know I where glasses.

OP posts:
asnippersdream · 30/01/2022 21:05

@Kennykenkencat

Probably something that was £20-£30,000 and had insurance quotes for the same amount.
How on Earth have you had insurance quotes for £20,000 - £30,000? I'm sure that's actually impossible
OperationRinka · 30/01/2022 21:06

I think you need a broker. There's something odd about your record - and getting to sixty without any NCB of your own is a bit odd - that is triggering red flags. Or there might be something strange in your insurance that looks like fraud or you're living in the middle of a crash for cash hot spot. This is where insurance brokers should come into their own.

Original poster
Kennykenkencat · 30/01/2022 21:09

asnippersdream

When Dd had first passed her test she put. Into Confused.com her dream car to find out the insurance on it and it came out as £54,000 mins you it was a Lane Rover

OP posts:
Original poster
Kennykenkencat · 30/01/2022 21:12

@OperationRinka

I think you need a broker. There's something odd about your record - and getting to sixty without any NCB of your own is a bit odd - that is triggering red flags. Or there might be something strange in your insurance that looks like fraud or you're living in the middle of a crash for cash hot spot. This is where insurance brokers should come into their own.
Dd said it could be because of not having my own insurance and my age

Could well be a cash for crash hotspot. I hadn’t thought of that but there again Dd putting Dh who has a noticeable illness with a restricted licence is coming up cheaper if she takes me off and puts her dad on to it.

OP posts:
Soontobe60 · 30/01/2022 21:13

You will only get a proper quote if you put an actual car into the search engine. Your DDs points on her license will mean she has extremely high risk.

Original poster
Kennykenkencat · 30/01/2022 21:14

I think I do need a broker because something odd is going on. I mentioned my credit score because that also is quite odd and happened at the same sort of time as this issue with the insurance problems.

OP posts:
BarbaraofSeville · 30/01/2022 21:39

Could there be issues correctly identifying you online? The huge quote is just so you don't try and buy from them, they want to be so far down the list on the comparison site that you don't even look at the quote.

It won't be due to you not having insurance before. I was a company car driver for nearly 2 decades when I then bought my own nearly new small car and my insurance was £250, and that's living on a council estate on the outskirts of a city and a couple of miles from an area notorious for high insurance rates and 'crash for cash'.

bigbluebus · 31/01/2022 10:42

Even driving a company car for years you can usually get a NCB (as long as you've not had any claims) by getting a letter confirming your driving record from the company insurers. When my DH handed his company car back he did this and I also did it after driving a Motability lease car for 17 years on block insurance.
I'm thinking it's more likely something to do with your name changes that the computer system is treating as potential fraud. As pp has said, the eye watering quote is not the actual cost of risk to the insurer but a figure inflated enough to stop you taking up their offer. If they actually refused to insure you then you would have to declare that and then you would be unlikely to get a quote anywhere.

etulosba · 31/01/2022 10:45

How on Earth have you had insurance quotes for £20,000 - £30,000? I'm sure that's actually impossible

I have seen quotes of nearly that much. It just means that want your business.

Builders and similar do the same for jobs they don’t want.

etulosba · 31/01/2022 10:46

It just means that they don’t want your business.

Defiantly41 · 31/01/2022 10:52

Two things

  1. Try an insurance broker
  2. As you have multiple cars in the household, try a specific multi car policy eg Admiral. You can start it with one car and add others as the renewal dates come round

From your previous posts the lack of a no-claims bonus in your own name could be the issue (although I suspect not all as max NCB is usually about 65% so even that applied to your base premium seems too high), try looking online for "introductory NCB" or similar phrases. Try phoning the insurer you already have a policy as a named driver on to see if they will take account of your clean driving experience too

WingingItEveryDay7 · 31/01/2022 11:07

From what I have read there are a few things that jump out for me. You've no NCB so therefore, no discount available. You're trying to insure with your daughter named who has many points, insurers don't like this and will quote high straight away as she's a high risk! Her young age will also count against her until over 25, regardless of how long she's had her licence as she's still classed as 'inexperienced'. You've moved recently and postcodes play a huge part in how the insurers rate a policy so that will be a factor too. You drive many miles and mention 2 different business reasons. Depending on your occupations and whether you have requested business use for them will also have a huge bearing. Insurance companies work out premiums based on statistics. I'm sorry OP but yours and your daughters when combined aren't as rosy looking as someone who just commutes to the office each day. If you're getting quotes in the thousands they're basically telling you they don't want to insure you, I've seen it many times where I work. Does your daughter have her own car and can she not just use her own? What prices do you get just for you? You definitely need to speak to a broker! The main ones ie. A plan and Swintons will have access to many different products. Not all insurers are insuring electric cars still due to the increased repair and labour costs associated with them. Those who are, will have higher premiums for them because they cost them so much more than regular cars! It's put us off getting one until the infrastructures are in place to deal with everything related to owning one! Good luck with your enquiries 🤞

HopefulProcrastinator · 31/01/2022 11:15

You say your job isn't 'dangerous' but it might be undesirable for insurance companies.

For example, a musician isn't a particularly dangerous profession but some insurance companies won't insure them at all and others will charge an arm and a leg.

It might be worth doing an online quote for a 'safe' job like customer service agent or similar to see if it's your job that's throwing the whole thing out of whack. If it is, at least you'll know why you're on the "offer silly prices" list and be able to narrow down your search to insurance agents that are more open to your trade.

Also the reason they are quoting ridiculous prices is because they don't want your business (for whatever reason) but declining you for insurance makes it harder for you to be insured by someone else because you have to declare you've been turned down so out quoting you whilst irritating is a much fairer solution.

Hope you get to the bottom of it.

etulosba · 31/01/2022 11:16

A couple of brokers I can recommend are Chris Knott and Adrian Flux.

Wnkingawalrus · 31/01/2022 11:20

Car insurance has nothing to do with your credit score.

Yes it does. It’s a ratings factor used by many insurers. But it’s certainly not the only thing.

C0rnRentPepperc0rn · 01/02/2022 16:00

Google police crime statistics in your area
You should be able to enter your postcode & view the reported crimes in your area, per month

BigWoollyJumpers · 01/02/2022 16:08

Is it not because of your "made up name". All computer systems are now linked, insurance, DVLA, passport etc. If your names are different in different systems, that would be a HUGE red flag.