Still not getting why my car insurance is through the roof

[Kennykenkencat]

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

You said you are not using the name on your birth certificate. Do you have a name on the electoral role? If so are you searching with this one? I understand completely about the identity issue affecting you as it happened to my brother.
I can only think they don't want to touch you as the name you are using has no history of insurance.

It'll be a combination of factors.

Zero no claims
Poor credit score
How long you've been driving
High mileage
Cost of repairing/replacing the car you drive
Age of car
Value of car
Area you reside for crime statistics
Where the car is parked in the day/at night
Whether the car has additional security
Whether the car has modifications
Job
If you use the car for business use
Whether you carry business equipment
Whether you're married/single/divorced

So many factors.

Worth noting that car insurance is likely to go up this year for a number of people due to Market Study. Insurers now have to provide the same prices to new business customers as they do to renewing customers. Therefore many companies are not offering the usual new business discounts like before and this means higher new business prices.

If you Google 'changes to car and home insurance market study' there are articles on this from bbc and others.

Does your DD have any NCD?

If you are a named driver on a policy, it doesn't matter if you do not have any NCB as motor insurance are single policyholders only.

Have you actually thought about ringing one of the companies that have given a high £££ quote to ask what they think the actual issue?

@Patbutchersarrow

If you've recently moved it could well be your address. When we moved to our current address our insurance went through the roof ( huge council estate, high crime) we can't even get an online quote from some providers they won't touch us!! we pay ours annually so I don't know if credit score is taken into account it probably is though.

Yes to this.

A friend moved less than a quarter of a mile but went from a Croydon post code to a London SE25 post code. Her car insurance shot up.

Have you put down that you're a landlord by any chance?

I had a bizarre experience over the phone a few years back with one insurer who was probing my jobs / income where this seemingly irrelevant information resulted in a five-fold increase in their quote.

Is your made up name Lightning McQueen?

@alwayswrighty

It'll be a combination of factors.

Zero no claims
Poor credit score
How long you've been driving
High mileage
Cost of repairing/replacing the car you drive
Age of car
Value of car
Area you reside for crime statistics
Where the car is parked in the day/at night
Whether the car has additional security
Whether the car has modifications
Job
If you use the car for business use
Whether you carry business equipment
Whether you're married/single/divorced

So many factors.

I do have zero no claims because I don’t have a car I use regularly that I am the main driver of

My credit score is not very good despite having rows and rows of paid on time, up to date dots
This was why I was questioning my credit score as well.

I have been driving 30+ years

I was trying to get a lease car. One that was was a bit bigger and chunkier that has lots of safety features.

I do a high mileage but that is usually in a van my company owns.

Although you would think the higher mileage meant higher premiums, dd was putting in different amounts for mileage and found the higher the mileage seemed to knock more and more off the higher the mileage got and the lower the mileage wasn’t much difference until you put in 5000 miles per year and it suddenly went up £120 per year
Dd who I would have assumed was the issue because of the points on her licence can get cheaper car insurance than me.

I have called the insurance companies and they aren’t sure either. I am going to try and get a broker to see if I can get insurance at a cost that reflects my driving

Yes, I've heard that insurance can go up if you do very low mileage.

Probably something to do with not getting enough practice to remain competent or not being a confident driver, so higher risk of accidents any time you go anywhere unfamiliar.

DSis is like this. She does about 2-3000 miles a year because she won't go anywhere more than about 5-10 miles away and won't use the motorway so she generally only ever drives to work which is very local, school, supermarket, nearest town for shopping and couple of relatives who live locally. Anywhere further, her DP drives or she uses public transport.

@Kennykenkencat Contact the broker who does your van insurance. Get them to do a quote for you based on your being a named driver on your business policy.

I would call a broker and get them to price up insurance - an actual, local, person you can talk too.
They have contacts with the insurers, and if they get similar quotes could speak direct to the insurers and ask why.

I wold also speak to a 'good' insurer (Direct Line spring to mind) with UK call centre - call them for a quote and ask why it is so high.

Thought I had posted this but it gets stranger

Bought a car and managed to get a quite competitive quote with me as main driver and dd as named. (Her turn to see what car is free and use that)

I was really really surprised. We thought we had better put Dh as a named driver just in case he ever needed to move the car and dd and I were out.

Now it seems Dh is the one who adds extortionate amounts to the insurance.

Last week he was £300 per year when we were looking for insurance. This week (nothing has happened) he makes the cost £2500 higher. Not as high as my quotes but still a big jump

I just think someone is having a laugh to see what they can get away with.

Is this actually your car you are wanting to insure for YOU? Or are you “fronting” this for your DD?

If you are, you are on very dodgy ground.

If you are getting really high quotes I would be worried one of you may be flagged as a risk for insurance fraud. All the chopping and changing of details for quotes may upset the companies because the truth should be consistent. If you haven't had issues with your van is it worth contacting that company, or the one your DH is currently with for quotes?

@WutheringHeights66

Is this actually your car you are wanting to insure for YOU? Or are you “fronting” this for your DD?

If you are, you are on very dodgy ground.

My car

Which Dd will drive at times.

Doesn’t everyone look at what the best deals are?

I might do 8000 miles per year or I might do 12000 why should I pay more if I realistically won’t do that amount in that car.
If I am going to go over the amount I have stated then I will swap to another vehicle.

Can’t really ask my van insurers because they only do commercial vehicles

Dd has had to put in several times her job title to find what term they use for the job she does.

I.e a TA or teaching assistant is not a recognised job. But Assistant Teacher is.

Doesn’t everyone look at what the best deals are?

Yes but people generally pick out a car for themselves and then shop for quotes using the same details (regardless of how many searches they do) because they are the correct details?

You work out how many miles you think you'll need and you decide who needs to be on the insurance.

It sounds like you're doing all sorts of searches with different miles, possibly different cars, and with you as main and DD added, you as main and DH added, DD as main and you added, DH as main etc. There's also a recent address change so that will be another set of differences if you've done all the above searches twice, and you're not exactly clear on your job so is that changing from search to search too?

They have algorithms working out how statistically likely you are to claim based on everything from your marital status to your job to your postcode. If they don't have one for people who run different information (and therefore likely false information) through their systems repeatedly trying to get a better answer then I'd honestly be shocked.

I think that might be your problem actually (only logical explanation I can think of). The quotes aren't actually £20-30k, you've just triggered the flag in their system which tells them not to take you on.

I would love to understand this story but sadly don't think OP will ever give enough details for the story to make sense.

2 weeks after he got his license & car, 19yo DS with old boy racer car got quoted a mere £4k for annual insurance. £1.2k with black box fitted.

you're not exactly clear on your job so is that changing from search to search too

I am very clear on my job title it is just known as a different thing in the list

Like Teachers Assistant is Assistant Teacher

Or Manager of a Construction Company is Construction Manager.

We have as a family many jobs (only Dh has only one job title) Dd works at least 7 jobs

Even Martin Lewis says to play around with job titles to find the one that cheapens your insurance quote

@lljkk

I would love to understand this story but sadly don't think OP will ever give enough details for the story to make sense.

2 weeks after he got his license & car, 19yo DS with old boy racer car got quoted a mere £4k for annual insurance. £1.2k with black box fitted.

I think it depends what car you drive. Dh has an ancient hatchback. Perfect 1st time driver car. However not only did it cost more to tax than my top of the range saloon I had at the time but for Dd it was cheaper for her to drive the bigger car probably because it had more safety features