Clubjazz - Honda Jazz & HR-V Forums
Diagnostics, Tuning, Modifications and Maintenance - all Hondas => Dealers & Insurance => Topic started by: RE Spirit on August 18, 2017, 05:27:07 PM
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Hi all,
I'm currently paying £550 for my Integra DC5.
Currently, 29 with 9 years NCB and I'm getting quotes for the Honda Jazz at around £700 fully comp with legal, courtesy etc.
Just wondering what everyone else is paying for their Jazz insurance?
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I paid £231.84, fully comp, with Sainsbury's Bank. I too have 9 years NCB.
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You may also have 9 years NCB but I guess from your other posts you like me are somewhat in excess of 29 years old which no doubt makes a significant difference as does location.
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Once you are past 25 age doesn't make a great difference. And at my age the risks are on their way back up! My occupation, as far as the insurance is concerned, is as a part time courier driver, which doesn't bring my premiums down. What can make a big difference is your post code. Car crime in Fife is below the national average, with only 25 cars in every 10,000 involved in theft of, or theft from.
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What can make a big difference is your post code.
When trawling for quotes at renewal time I have on more than one occasion been told by the 'expert' on the other end of the phone that my NG postcode means that I live in Nottingham. They totally ignored the numbers after NG and quoted ,highly, because of it. I live in mid Lincolnshire.
Vic.
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When I first insured the Jazz I still had the Volvo, on another policy, with another company. This year I only had the Jazz, so they put my premium up. Their reason, "If a thief breaks into your house and there are two sets of car keys there is a 50% chance they will take the other car". I said, "That's fine. I'll find insurance elsewhere". Surprise, surprise. They came back with a quote without the surcharge.
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Go to a cashback site like Topcashback and get a quote. Don't go to a price comparison site on Topcashback! Chose a proper insurance company unless you really want the cheapest (which might not be the best buy). Before you go onto the cashback site delete your cookies so the purchase tracks OK. Then you'll get a good quote and cashback! Next year do the same but chose a new insurer! I pay under £200 pa for the full works.
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The question of Insurance quotes is a minefield and recently having had enough of EDF expecting me to subsidise the French I went to a comparison site. Part of the searching for a reasonable electricity supplier, they bombarded me with car Insurance blurb.
I did some checking and whilst I could decrease my premium by quite a bit, I found that things like a £350 excess were involved.
A couple of months prior to renewal I had molten metal 'collide' with my rear screen from where I know not, however I was told by a windscreen firm that no way would my insurer pay for it as it wasn't broken. On checking my policy I found that I was covered. Replaced at NO cost to me.No excess on glass replacement. I have a protected NCB of more than 22 yrs ( from my insurer, it seems this is as far they go back). The cost of that screen according to LIngs is circa £200 plus rubbers and Honda parts UK was in excess of £250. plus fitting.No excess on glass replacement.
The point, yes I could save money on my policy BUT what I had saved with an excess of say £150 would have not been a saving. Besides even RSA on the comparison site wanted more than I pay for comparative insurance. Who am I insured with? RSA. We have friends who go for the cheaper insurance but when a screen broke they found they were not covered. I paid my latest premium without a second thought. My excess is £50 that is for accidental damage including little Henry after a skinful keying the car/fire and theft, if I have it increased to £100 I can save £50 on my premium but SODS law he decree, that I would have a bump. Unfortunately as Jocko points out due to age premiums start to increase. It is very much horses for courses.
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Take look for car insurance guide on MSE Martin Lewis's website, loyalty means nothing these days neither does protected NCB so hunt down a deal with a company you trust recognise and do not click auto renew.
Good hunting
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Try brentacre . They insured my jazz under £400
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I come into the category whereby age means an increase in premiums.
I get an awful lot from RSA for just around £400. For example I asked that european cover was taken off NO its all part of the package. It does help having my little piece of card stamped Police driving permit. Even if it's well out of date.
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Go to a cashback site like Topcashback and get a quote. Don't go to a price comparison site on Topcashback!
It's worth trying several comparison sites to find the best site for your own set of circumstances. If you punch your details into 3 or 4 of these sites, you will get 3 or 4 different premiums - and from all the exact same companies.
Sadly, for me the Topcashback compare works out more expensive than the cheapest, even with the cashback taken off. Confused seems to be the cheapest for me recently, I insured the Galaxy this year for £149, with class 1 business use.
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Saga £210..
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Going back to the OP, £700 does sound rather a lot, even for a 29 year old without any sort of adverse endorsements.
Insurance companies do load your premium for a change of vehicle, a discount is applied which depends upon the length of time you have owned the car. Try it when fiddling with the comparison sites - get a quote for 'not yet purchased', then run it again saying you have owned the vehicle 5 years and see the difference.
The obvious answer is to try as many of the comparison sites as you can bear, unless you do have the complication of any points or convictions, in which case a specialist broker may be the best way to go.
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The obvious answer is to try as many of the comparison sites as you can bear, unless you do have the complication of any points or convictions, in which case a specialist broker may be the best way to go.
A broker can be very helpful, a sort of human 'go compare' - they are becoming rarer due to competition from online sites but a good local broker can save you a packet. I used a local broker for years and then went with AA because I already had home insurance with them they offered a lower price for my car, but a couple of years later AA price went up and they would not reduce it (no reason given, and no accidents or change in circumstances still full 9 year NCB), went back to my broker and got a much better deal.
A lot of people find out the hard way that online deals and purchases are not the cheapest any more - for instance your local motor factor can be much cheaper for tools and parts than Amazon or e-Bay, if you take the time to find out.
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Insurance for a 80 year old with full NCB, with NFU (National Farmers Union) was £487.68 this year.
Shall be looking elsewhere next year! having seen what others are paying.
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Yes, a broker can be useful.
This Jazz we just bought is insured through a broker, we have been using one car for the last couple of years, and so the other half's proof of no claims is 2½ years old. Most insurers will not accept anything older than 2 years, despite her being a named driver on my policy for the last 25 years. The only one I know of is Co-op Insurance, who accept proof of NCD up to 3 years old, but they are expensive and they don't operate online - so insist on posting everything, no good if you need a cover note straight away.
Brokers are indeed a bit thin on the ground these days, but we found one that had a few options for expired NCD, and emailed the Certificate of Insurance within half an hour. Still not cheap, but it will preserve her full NCD and she can go where she wants next year.
Before anyone pulls me up about Co-op not having an online business, The Co-op Eco Insurance sold through comparison sites is operated by BISL, or Budget Insurance, and is run as a completely separate entity. They only accept proof of NCD up to 2 years old.
Another interesting point, when searching for a broker, I was pleasantly surprised to see that a couple of long established local insurance brokers were still listed in directories online. Ringing either of them put me through to a Swinton Insurance call centre...
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Insurance for a 80 year old with full NCB, with NFU (National Farmers Union) was £487.68 this year.
Shall be looking elsewhere next year! having seen what others are paying.
My Dad is 83, he's not got a Jazz, but cheapest for his Astra always seems to be Liverpool Victoria (LV). Might be worth you trying them.
His insurance is due anytime now, but I think he paid under £230 last year.
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I am afraid as I have already stated it is a minefield.
When I put the point about RSA wanting more on the online comparison site than I pay RSA it was in fact MSE. I stay with the people that organise my Insurance as they do the home insurance as well BUT the cheaper quotes I saw on MSE ALL have their caveats yes I could save money but I do not want a £350 excess. NOT because of my driving but it only wants one idiot to run into me without Insurance and where is my £350 going to come from. My Insurance has all the bells and whistles so I must pay for it remember it's not always you but when push comes to shove Insurers are hard headed so and so's and unless you have a bit of backing you are stuffed.
Culzean's comment about Ebay and Amazon is very valid, if you buy from a local factor you can at least go back and complain. My battery a Yuasa cost £55 from a factor I didn't see that sort of price on Ebay.
Good luck to those that get good cheap deals.
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Sometimes you do get a competitive renewal, but after a year or two most insurance premiums start to creep up for no apparent reason. That's why I run it though comparison site every year, they keep your details and preferences, so policies should be comparable.
If renewal is competitive, great. If not, it's worth a call to your current insurer to see if they can do anything, most will readily drop the renewal price without any change in the cover, to retain the business. If they can't get near enough to the lowest quote from a decent insurer, I'm afraid I vote with my feet. It does bug me that insurers will drop their renewal price so readily when asked, I'm afraid most of them take advantage of those who keep renewing without question.
I sidestep comparison site quotes from companies of dubious reputation, such as BISL and their very many 'white label' brands.
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Hi,
When you're ready for insurance please feel free to give us a try for insurance if you like.
Regards,
Dan
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Another pet hate of mine is the practise of auto-renewal, I think it should be banned.
I am not the only person who has cancelled an auto-renewal, only to find later that the insurer has taken payment and renewed it anyway. I know personally of several people to whom this has happened, including my father. The cheeky buggers then try to charge penalty fees for cancelling the policy. When cancelling, make sure you get a name and reference from the call centre operator.
Having to call your current insurer to tell them not to renew is just another obstacle to put people off moving. The better insurers will warn you that your cover will end on a certain date, and if not renewed, that's it. I've even had a few insurers send a confirmation letter after the end of your policy, with written proof of NCD. I like that, and it makes me more likely to insure with them again in the future.
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Another pet hate of mine is the practise of auto-renewal, I think it should be banned.
I am not the only person who has cancelled an auto-renewal, only to find later that the insurer has taken payment and renewed it anyway. I know personally of several people to whom this has happened, including my father. The cheeky buggers then try to charge penalty fees for cancelling the policy. When cancelling, make sure you get a name and reference from the call centre operator.
Having to call your current insurer to tell them not to renew is just another obstacle to put people off moving. The better insurers will warn you that your cover will end on a certain date, and if not renewed, that's it. I've even had a few insurers send a confirmation letter after the end of your policy, with written proof of NCD. I like that, and it makes me more likely to insure with them again in the future.
Hi Sparky,
If we could just shed some light from an insiders perspective as to one of the reasons we 'Auto Renew' policies.
Of course if someone advises us they don't wont their policy auto-renewed then we would respect their wishes. Most insurers/brokers will advise you that your policy is up for renewal within a reasonable time frame - usually two weeks before the due date. Ours are generally by an email but we do offer the option of this being posted in the mail.
As an industry we found that many people forget when their renewal is and were driving around uninsured which unfortunately the consequences are quite severe - an IN10 motoring conviction, penalty points and the inevitable fine. Naturally we wouldn't auto-renew if the policyholder had made contact during the period of receiving the renewal notice and the due date.
Then unintended consequences are far more severe if you forget and are driving around - not only from the laws point of view but in the event of an accident where there is damage to a third party.
Hope that this helps?
Dan
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As an industry we found that many people forget when their renewal is and were driving around uninsured which unfortunately the consequences are quite severe - an IN10 motoring conviction, penalty points and the inevitable fine.
I would respectfully disagree, that's the same fallacious argument most insurance companies use to force auto-renewal upon you. I doubt that "many people forget" if they are sent a renewal notice, then a subsequent warning that their insurance will expire on a given date.
I'm not frog marched to the MOT station every year, or have my annual RFL taken from my account without my consent, but I still manage to successfully organise both aspects of driving on the roads legally.
If you want auto-renewal, that's smashing. If you don't, then you shouldn't be forced to accept it. Insurers should ask at the time of purchase, it only requires an opt-in tick box online or on proposal documents.
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I think this is another case of you get what you pay for.
Every year about a month prior to renewal my 'broker' sends me a complete certificate/policy for another year with a letter explaining what has changed etc and the price of renewal. This I suppose could classify as auto renewal BUT I am never caught out even if I did forget.
They inform me that if I do not want to renew just let them know. It has also over the past couple of years enabled me to get the price adjusted to my satisfaction. All it takes is an Email.
Again I reiterate it is a case of you get what you pay for. NOTHING is free.
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That is what my Insurance company does as well.
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I just think that insurance renewal should require some positive action from the customer to confirm that they are happy to proceed with another payment. Some companies force you to call to cancel just so they can give you the hard sell.
The vast majority of insurance brokers are absolutely fine, but there are some, often low cost online insurers, which are quite difficult when you want to cancel... and in some cases, don't even bother to cancel the policy renewal when requested.
It's a completely different market I know, but has any of you ever tried to cancel Sky TV by phone? It's like the Spanish Inquisition.
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Every year about a month prior to renewal my 'broker' sends me a complete certificate/policy for another year with a letter explaining what has changed etc and the price of renewal. This I suppose could classify as auto renewal...
That absolutely qualifies as auto renewal.
The only reason they send a Certificate of Insurance out in advance is to give you a sense of obligation, as in "oh well, they have already printed the documents and done the paperwork". Years ago, nobody issued a cover note or Certificate of Insurance until you actually paid the premium, the only documentation you received was an invitation to renew.
Some companies still use the word "Invitation" on renewal documents, even though they fully intend taking payment by continuous card authority and auto-renewing your policy.
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I do not agree that what my broker does is the same as the run of the mill auto renewal. Firstly, the paperwork arrives a good month prior to renewal and if I don't want it then it is up to me to get off my but and cancel it. This is different the type of renewal SparkyPaul speaks of.
The second point is the 'broker' is a closed membership not available to the general public and the owners are the people it serves.
At this moment in time I am at a loss as to how to deal with EDF, not insurance electricity supplier.
I decided to change suppliers and this went through last June. The new supplier notified EDF that I had changed and I duly received a letter from EDF saying how sorry they are that I have left them. I cancelled the D/D to EDF but my bank failed to do so. As the result I paid two companies. The D/D was cancelled earlier this month with apologies from my bank. Meanwhile, I sent a letter to EDF asking where was my final settlement. Since when I have had TWO letters telling me that as I have cancelled my D/D I will have to pay more for my electricity and ONE letter explaining that as I have cancelled my D/D if I want to pay on line ( I don't and haven't) I must set up an account and TWO letters telling me I am some fantastic amount in credit and I don't have to do anything. WOT ABOUT MY FINAL BILL. IF this is the way auto renewal carries on then I do not blame SparkyPaul for being cynical. No wonder EDF electricity is expensive.
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I do not agree that what my broker does is the same as the run of the mill auto renewal. Firstly, the paperwork arrives a good month prior to renewal and if I don't want it then it is up to me to get off my but and cancel it.
That's how all auto renewals work. They rely on some people not getting off their butt and letting it carry on, it's surprising how many don't even read, or understand, the paperwork. I remember a neighbour was most upset when he saw that his insurance company had taken £460 from his bank, more than double last years premium. I don't think he had even opened the renewal letter, he just expected it to be something similar again.
Most insurers insist that you phone them to cancel, and will not accept cancellation by letter or email, even though you signed up online. They will usually accept variations to the policy by any means, but not cancellation. For that, you have to call.
The second point is the 'broker' is a closed membership not available to the general public and the owners are the people it serves.
I've been a member of several of these types of schemes, they almost always run in house by an insurance company now. I started off driving with Unilever Staff Insurances, they were based at Unilever head office and were absolutely the best insurance company I ever dealt with... unfortunately, it eventually went in house at Norwich Union, all the paperwork was churned out by their automatic renewal system, and up went the premiums.
I decided to change suppliers and this went through last June. The new supplier notified EDF that I had changed and I duly received a letter from EDF saying how sorry they are that I have left them. I cancelled the D/D to EDF but my bank failed to do so. As the result I paid two companies.
It's not your fault you paid twice, although the bank should really have done what you asked. Once a DD is opened it is up to the originator (EDF) to decide how much and when to take payment. If payments stopped when they should have, it wouldn't matter if you had cancelled it or not. Cancelling the DD should, in theory, prevent them from taking any more payments, however this can cause other problems as companies don't like it when you cancel DDs... and some even try to charge penalties. The answer is to get the company to understand what is going on, and sort the billing out.
If you don't have any joy, threaten them with the ombudsman.
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Sparkypaul is 100% correct over auto renewal - companies rely on people being either too busy or too lazy to check details and problem is that a lot get ripped off, I thought it was now law (or at least best practice) for insurance companies to state on renewal what the premium was last year ( as from April 2017).
http://www.moneysavingexpert.com/news/insurance/2016/08/insurers-forced-to-reveal-price-changes-in-renewal-letters-from-next-april
@auntneddy. When you cancelled DD was it by letter ? I always write to bank and confirm I want a DD stopped and put date of last payment I will allow from the DD, when some companies get ars3y I cancel any DD I am paying them and wait till they squeal, then they get the message and start to talk sense, a DD is an instruction from you to bank to pay, not a licence for a supplier or company to extract money from your account.
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DD is an instruction from you to bank to pay, not a licence for a supplier or company to extract money from your account.
That description is more appropriate for a standing order. A DDM is pretty much a licence for the the supplier to extract money, but of course this should be in accordance with your contract with the supplier and there is the direct debit guarantee.
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DD is an instruction from you to bank to pay, not a licence for a supplier or company to extract money from your account.
That description is more appropriate for a standing order. A DDM is pretty much a licence for the the supplier to extract money, but of course this should be in accordance with your contract with the supplier and there is the direct debit guarantee.
You are right, there is a fine line between standing order and DD but the company still has to tell you in advance how much they will take every time, and you can cancel a DD at any time and then fight it out from a better position (ie they don't get access to your money till you say so again).
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A standing order is nothing more than a repeating bank transfer. You are responsible for starting, stopping, repeat interval and how much. The payee has no control whatsoever.
A Direct Debt is an authorisation to a third party to take regular payments, the payee has full control of the payment dates and amount taken... although as said above, they must notify you of any changes in advance. The only thing you can do is stop the instruction completely which stops all future payments, or invoke the Direct Debit Guarantee to recall any payments taken in error.
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Sorry to get you all going: Firstly it was a Direct Debit. I personally went into my local Barclays and cancelled the D/D in early July allowing a couple of weeks for the change. D/D to EDF went out circa 18th of each month. I asked if there was anything more for me to do and I was told no.
It came to light on our August monthly statement that a payment had been made by the bank to EDF on 18th JULY, again went into bank ( not easy as they are not open every day). Explained to teller who confirmed that the D/D had NOT been cancelled. She cancelled it. Bank apologised and told me any problems they would deal with it. EDF sent us a letter TWO days later confirming the D/D cancelled this also included the message that our electricity would be more expensive as we had cancelled the D/D. I have written to EDF with all of my calculations and asking why NO final statement. A bit difficult to work out as EDF credited our electricity account with a payment 7 days prior to it appearing on the bank statement, so I have no idea what they are playing at. When we changed supplier, EDF sent a letter saying how sorry we were going and that was in JUNE. At the time of change our D/D was going to be increased from £130 to £160 per month, second increase in a couple of months, by EDF . What really started me thinking about change was EDF telling me my D/D was going up to £170 per mth, despite a letter received by them telling them NOT to increase it 5 days before they did increase it to £170. Hence change. New firm started from 23rd June at £118 per month, just had the second reading already a tad under £60 in credit. I know winter will whack it up BUT the new firm had the previous years readings and they gave me this deal until October 2018. Yes the Ombudsman will be involved if EDF prevaricate much more. All the years we have had to deal with EDF has been nothing but problems. Who said changing suppliers was easy? Perhaps EDF should be told this.Sorry if a bit complicated but it has really tweaked my IRE!!!!!!!!!!!!!!!!!!!!!!!Piggin French.
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I am sorry I meant to say thank you for the interest and suggestions.
It is now a case of waiting to see what EDF come up with next. One of the letters told me I was nearly £500 in credit, perhaps thy all speak French at EDF.
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When we changed supplier, EDF sent a letter saying how sorry we were going and that was in JUNE. At the time of change our D/D was going to be increased from £130 to £160 per month, second increase in a couple of months, by EDF . What really started me thinking about change was EDF telling me my D/D was going up to £170 per mth, despite a letter received by them telling them NOT to increase it 5 days before they did increase it to £170. Hence change. New firm started from 23rd June at £118 per month, just had the second reading already a tad under £60 in credit. I know winter will whack it up BUT the new firm had the previous years readings and they gave me this deal until October 2018. Yes the Ombudsman will be involved if EDF prevaricate much more. All the years we have had to deal with EDF has been nothing but problems. Who said changing suppliers was easy? Perhaps EDF should be told this.Sorry if a bit complicated but it has really tweaked my IRE!!!!!!!!!!!!!!!!!!!!!!!Piggin French.
Your problem is almost exact copy of problem I had with BG over 10 years ago, they suddenly bumped up DD (almost doubled it) even though I was in credit, I wrote them a nice letter asking why they had done it, and why they thought I would want to leave dead money in their bank account and wait for a yearly refund and gave them 2 weeks to contact me to justify it, they didn't get back so I cancelled DD and switched to NP, I then got a letter from BG saying it was an accounting mistake, they would revert back to my original DD amount and I could still stay with them if I wanted to FAT CHANCE. Then a few years later NP did the same trick (seems like a thing all the big 6 do LOL). I have been with CoOperative energy now for over 6 years and the difference between them and the big 6 is startling, for starters I saved over £400 a year by switching from NP and they actually apologised for recently raising my DD by £3 a month.
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Update on the EDF sage. Delay is my fault as I didn't give them the meter reading they asked for it.
Now 10 weeks into the saga, who said changing was simple.
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About 2 hrs after posting the last, the post brought 2 more letters from EDF.
One was a sort of apology, the type you get from organisations and government. We have taken steps to ensure the failings you have experienced will not happen again blah blah.
The second was the final statement and a cheque for money i had overpaid.
So the EDF saga dies after nearly 11 weeks.
Thank you all for your support and suggestions, especially as it definitely Off Honda.
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So the EDF saga dies after nearly 11 weeks.
Smashing. At least that's all sorted.
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Sorry I really did think it was the end of it.
WRONG another TWO letters arrived! Although one did contain a cheque for £50 compensation.
How much did this little episode cost EDF customers?
I promise NO MORE EDF
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I did promise but then I thought that EDF had stopped sending letters.
>:( WRONG another one arrived telling me they are trying to sort my complaint and it will take a bit longer.
I am tempted to write and suggest their computer has an oil change. IT needs something. Either that or they have lots of people in different offices trying to out do one another on the amount of paper they can use.
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You never know, you might get another 50 quid! :P
If it's anything like the generation side of EDF, anything is possible.
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£282.55 with Esure, 36 year old male, six years NCB plus legal & NCB protection.
One problem that can catch you out with renewing your insurance is over obtaining proof of NCB. I think it was Martin Lewis on his TV programme that suggested renewing your insurance as early as possible to get the best deal - fine, but some insurers want NCB proof within a few weeks and some won't release it until after the current policy has ended.
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Sorry to keep banging on about my Insurers BUT they sent the proof of NCB with the renewal. I was surprised that they went back 22 yrs and yes that is the most I can prove a NCB. That must have been when I first insured with them. I am surprised that my incident with a police vehicle in 1978 was not recorded???????????? But then for a bit of levity, it wasn't on a road, it was in a field. Sheep worrying, trying to catch the 'B' dogs when I didn't notice the ditch. Full view of the road a Ford Van marked in Police colours sitting on it's bum.
That was good for a bit of ragging.
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Surprised at you doing a bit of sheep worrying. :D
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I think they have to state NCB on the renewal now, and most insurers accept that as proof.
My old Dad has just had his renewal, very surprised to see that it has actually gone down about £30 this year... £202 now, and he's 83!
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If I had managed to get hold of the dogs I would have let the sheep worry them. All it needed was a nice Ram to do the job!!!!!!!!!!!!!!!The joke of it all was the two dogs were 'Westies' which made my trip into the ditch all the less impressive to my Inspector who had to sign the report. Alsatians would have got me out of the 'muck' literally.