Clubjazz - Honda Jazz & HR-V Forums
Honda Jazz Forums => Honda Jazz Mk4 2020 - => Topic started by: sportse on May 13, 2022, 05:23:34 PM
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Has anyone renewed their car insurance recently, and can recommend an insurer please?
I might average 15k miles a year, but the renewal quotes for the Jazz Mk4 are just crazy:
Saga now want £740pa and Aviva are likely to be similar based on an initial quote of £650pa last year.
Full no claims, but Aviva tell me they have now classed the Jazz in insurance group 40 out of 50 themselves.
I know some early model Jazz had issues with people stealing the catalytic converters, but those were mainly low value cars and a replacement can be had for £100 on eBay and is a quick fit.
I put through a quote with the same details for a 2020 VW Polo GTI... and it was £50pa cheaper than the Mk4 Jazz despite being a hot hatch and having double the horsepower, sports suspension, etc!
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Quotemehappy.com have been reasonably priced for me (low mileage, off road parking, but in London, where prices tend to be higher). They're pretty much all online but I've had no problems over renewal costs. Of course, things may have changed since my last renewal last December....
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Hi.
Please feel free to give us a try for insurance if you wish.
If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.
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I've found CSIS really good if your eligible. They cover serving and former civil and public servants.
https://www.csis.co.uk/eligibility/
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NFU are particularly good for new cars. They provide a new replacement for a stolen / written off car for 2 years.
I read recently all car insurance quotes are rising due to 2 reasons - change in law where new clients cannot be offered a discount and as the prices in the second hand market and spares costs have rocketed the insurers are seeing significant costs in claims. Any increase then carries the insurance tax of 12%.
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LV have given me a good deal for the past two years. Renewal is due soon and I wait with interest to see if there's a big hike in the price.
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Same here. After reading a similar post here earlier this year I was expecting a battle but LV only raised mine by a few £
I'm still paying LV less than Direct Line were quoting me 5 years ago.
These newer cars aren't cheaper to insure because they are more expensive to fix.
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Full no claims, but Aviva tell me they have now classed the Jazz in insurance group 40 out of 50 themselves.
Not all insurers use the ABI group ratings, they are free to rate and group as they choose. I had a look at a similar car to yours KF21UOV https://www.cargurus.co.uk/Cars/l-Used-2021-Honda-Jazz-EX-ev666125#listing=148871601/NONE and according to an online car insurace group checker, it comes up as a group 20 https://www.cuvva.com/insurance-groups.
As ever the key is to shop around. It's an annual chore, but something I do for each of our households general insurance products at renewal and often saves a lot of money. I always start with the comparison sites and then try a few direct, such as those recommended by fellow forum members.
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Use comparison sites as reference but watch the small print.
My broker friend has said that comparison site companies like to get into your top 5 because that's where most business comes from. To do that they cut cover and increase excess.
One guy turned up at my friends brokerage last year and when my friend checked his policy, from a comparison site, he asked whether he realised that because of his age he wasn't insured to drive at night. Hidden deep in the small print and not specifically mentioned as it should have been.
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Modern cars like a Mark4 Jazz have lots of sensors: all mounted in the vulnerable part of the car: behind the front bumper. So in a crash they all may need replacing and possibly the wiring loom and connectors if exposed to the weather.
Given component shortages, delays mean hire car costs will rise.
Some Teslas took 6 months to fix due to shortages.
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I've used Direct Line for years, they always seem good value and paid up when my wife wrote her car off without any fuss. They have just renewed insurance on my Crosstar for £275.
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Hi.
Please feel free to give us a try for insurance if you wish.
If you wanted to PM me some contact details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.
Many thanks - do you know why the Jazz is such as high risk, costing more to insure than a VW GTI?
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As an 85 year old, I renewed my Jazz Mk4 EX insurance, back in March, with NFU and it cost me £585, which included my 2 daughters, based on an annual mileage of 9000 and located in a Birmingham postcode. I have Maximum No Claims Bonus and the car is garaged overnight. The quote without my daughters was even more.
I tried several of the On-line companies & comparison sites, some of the quotes were well over a £1000, so like others have said, I just don't understand the logic of the basis for quotation, particularly when one of our members can get cover on his Crosstar for £275, or half of my cost. Obviously his parameters must be somewhat different to mine.
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I renewed with Quote Me Happy in April for £299.02. Last year it was £260.22. Age 73, living in Hertfordshire.
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I've used Direct Line for years, they always seem good value and paid up when my wife wrote her car off without any fuss. They have just renewed insurance on my Crosstar for £275.
...when my wife wrote her car off without any fuss. :)
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Use comparison sites as reference but watch the small print.......
Indeed. I'm just starting to look for insurance for another vehicle (motorcycle) which my current insurers are ceasing to include in their categories of vehicles for which they offer insurance.
If I use the comparison sites the lower prices invariably don't include all sorts of cover such as pillion, foreign use (other than minimum legal), etc, and/or have ridiculous compulsory excess levels. Once you get to the better known/rated insurers offering reasonably inclusive cover the quotes are much more consistent and compare closely with what I have been paying.
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When I was hunting for insurance for the HR-V, Aviva, my insurer for many years, quoted me well over £300. I am 76.Poole. Full NCB, Aviva driving app 9/10, kept in drive, 7k miles p.a.
This was £100 more than my Karoq cost. LV quoted £275 and then when I went back to take it out it had jumped to just over £400.
I went to visit the Meerkats and Aviva did an online only quote of £265, £5 more than the Karoq. So I grabbed it.
As others have said, shop around. But beware that quotes from the same company can change within an hour on the comparison sites and never in my experience, do the go down!!
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Yes, I noticed the quotes do jump around - I had a quote of £670 and then when I went back to check it only a few days later it had gone up to £730.
That's when I thought what would they charge for a hot hatch if it's that expensive... and the quote was less than the Jazz! Same details and both cars valued at the same amount.
I think one of the reasons may be Honda's ridiculous parts prices - on the wheel trim thread it was mentioned that four plastic wheel trims for the EX are nearly £600. That's not much different than the cost of 4 entire non-Honda alloy wheels fitted with expensive Michelin Cross Climate tyres - just for some plastic wheel trims!
A VW Polo GTI uses many of the same parts from standard Polos, and they make many thousands of them so parts will be plentiful. It is strange that a car with nearly double the horsepower is cheaper to insure than a Jazz.
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If anyone here has an 'IN' with any insurance company, I and I assume many others, would be interested to hear the reasoning behind the ludicrous insurance prices.
What is so very strange is that Kia & Hyundai cars with any sort of 'E' involved in traction
Have much lower insurance groups. I was seriously considering buying a Honda PHEV or even EV when they come out next year, but I shall investigate the insurance costs VERY carefully before parting with my dosh!
Honda E group is 25-29. Pure EV and CHEAPER group than both Jazz & HR-V????
Jazz MKIV 18-20, Crosstar 19
HR-V 30 (Elegance) 31 (Advance & Advance Style)
So you guys think YOU have a problem!!!!! :'( So saying I got the hR-V insured for £260 with Aviva, online, 'phone only policy, via the Meerkats.)
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Honda E group is 25-29. Pure EV and CHEAPER group than both Jazz & HR-V????
Jazz MKIV 18-20, Crosstar 19
HR-V 30 (Elegance) 31 (Advance & Advance Style)
So you guys think YOU have a problem!!!!! :'( So saying I got the hR-V insured for £260 with Aviva, online, 'phone only policy, via the Meerkats.)
The person I was in contact with at Aviva said that they ranked the Jazz as group 40, despite the official rating being 18-20.
It's strange the HRV has an official rating of 30 vs the Jazz at 20 when they are virtually identical in performance/equipment.
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I'd have thought that Honda moving the safety systems from behind the front bumper to higher up behind the windscreen would be a repair cost saver.
Aviva, insurance group 40 !!!
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Although the insurance on my Crosstar doesn't need to be renewed until November, I thought I'd check on Meerkat to see if mine is likely to rise crazily as well and I'm thankful that it doesn't look that way. £200-250 (annual mileage approx. 10k) which is about what I paid last November with General Accident.
There were two that looked particularly unattractive: "Doddle Cover" at £1045 with £1750 compulsory excess and "Smartdriverclub" (that would have wanted a box fitted) at the bargain price of £6130 - although their compulsory excess was just £200 :o
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Those 'loony' prices intrigue me. Why the do it?If they don't want to insure that type of vehicle why quote at all?
Weird!
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Many thanks for the recommendations.
I was still struggling to get a decent quote - SAGA were £720 and others similar.
I saw this week that there is a new website - MoneySavingExpert Compare+ Car Insurance.
Having put in my details, I have several quotes around the £420-£440 mark now :)
Much better for a low powered Jazz.
They may be worth a try for others too.
https://www.moneysavingexpert.com/insurance/car-insurance/
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Just make sure the small print hasn't got any surprises.
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Just make sure the small print hasn't got any surprises.
Thanks, I've been through the details - main one just seems to be regarding unattended running.
Most policies say not covered if the car is running and unattended, reasonable if you leave the car running to defrost and go inside to have a cup of tea.
This one says not covered when running unless someone is sitting inside the car.
So no pumping up the tyres from a cigarette socket compressor - interesting when that's what Honda give you with the bottle of goo to fix a flat.
I have bought a can of the pressure tyre foam instead - that's what the hire company I use in Spain put in all their cars instead of the complicated manufacturer compressor and goo bottle. I also have a battery powered compressor.
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I used to put my Dad as other driver with my wife and it came down £100.
But you are right, the prices is crazy and not consistent. Plus when you make a claim it affects your premium even more!
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I have just reinsured with SAGA for £295 i am 72 full ncb and drive 12k
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Final prices FYI:
Renewal with Aviva... £801!!
New policy with Saga... £689
I've taken out cover with John Lewis Finance, for £434. They were one of the best prices and a well known name.
Having been through the policy booklet and documents, the cover is almost the same as Aviva - just a £60 windscreen excess instead of £0, but I haven't needed a new one for years.
With Aviva and Saga the cost of insuring a Jazz was more than a Polo GTI with the same details.
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So, why do you suppose the insurance costs for a Jazz are far more than many other makes of car with similar specifications?
Maybe Dan can tell us?
My last renewal back in March was £585 with NFU, (age 85, Birmingham postcode, full NFB)
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So, why do you suppose the insurance costs for a Jazz are far more than many other makes of car with similar specifications?
It's likely due to driver profile unfortunately - the average age of a Jazz driver must be around 75, so bumps could be more likely. Certainly at the local dealer, I've never seen anyone under 50/60 come in with a Jazz.
The earlier Jazz suffered catalytic converter theft, which would bump up the premiums, but the Jazz since 2018 I believe don't suffer from this. Maybe the insurers just think Jazz = cat theft.
I was surprised a Polo GTI would be cheaper to insure than the Jazz.
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The insurance does seem to be higher for a Jazz than “equivalent “ small cars such as VW Polo and Ford Fiesta, both of which are in much lower insurance groups. Any weighting due to driver age, postcode, annual mileage etc would be the same for all three cars.
Where the Jazz differs is being a hybrid, battery in boot means car is potentially more expensive to repair after a rear end shunt. Apart from that, as I don’t think theft would be a differentiator, my hunch is it parts. Availability and price of parts and potential complexity of repair. The “hub cap” saga for EX owners is an example.
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Jazz: insurance group 20, Yaris: insurance group 14. Why is there such a difference?
Recently renewed the insurance on my Corolla, group 15, with LV. Age 70, Comprehensive, Car Hire, Protected NCD, £100 voluntary excess - £306.82.
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Although the Jazz is officially group 20, Aviva told me they class it internally as group 40!
A Polo GTI is only group 26.
A hybrid Toyota Corolla with the 2 litre 180hp engine is only groups 19-21.
There is something funny about Jazz and insurance.
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I have just got a quote with LV to insure my jazz with my wife on the policy. £308. I am 72 and full ncb. Living in sussex. And 12k limit. I have already insured with SAGA for less. I checked as other peopel were geting very high quotes.
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I think I read somewhere that premiums have ,on average, gone up for older drivers since the change in regulations about new customer discounts. IIRC it was about 13%
So unless we old codgers have suddenly changed in our driving ability ,or become confounded by new technology (a possibility ;D ) or are the only ones still able to afford fuel , I can only conclude that previously, older drivers tended to be more brand loyal and less likely to have benefitted from new customer discounts.
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I’m not surprised at the cost of Jazz insurance…
I had a new infotainment control unit fitted today, a small ‘black box’ behind the screen. Not the screen itself, just the control unit.
I’ve had mobile phones with more processing power and features that cost £50 new.
How much do you think one infotainment control unit for a Jazz costs if it’s not covered by warranty? (mine was, luckily)
It’s £1700!!!
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Even worse - looking at the warranty invoice in detail it looks like £1700 was the discounted internal price without VAT.
Standard price £1900+VAT!
So, 10% of the cars new list price just for an infotainment module!
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As noted elsewhere, Honda's engineering skills don't percolate through to the infotainment systems which are subcontracted. It probably doesn't help that the unit we get is probably specific for the relatively small European market.
Getting back on topic I've just renewed my insurance with LV for under £200. Maximum NCD, max 7k miles/year, car parked on driveway, some additional excess.
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Before my renewal was due I investigated possible companies by entering very close info, but not enough to identify me.
The quotes were all considerably higher.
When I queried this with my broker friend he said that insurance companies have access to lots of info about you that is taken into account. The thought that your driving record and the quote form is all that is used is wrong.
He was right and my LV renewal was considerably lower than my anonymous quotes.
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Another example of the lobbyists winning making cars their entry point for complications added month on month to EU laws for the motoring money tree. We need uncomplicated manufacturing not multi electronic features to aid driving. Remember Chapman's approach build in less to gain performance
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I'm more than happy with my premium with NFU Mutual. You won't find them on comparison sites but you will find them at the top of Which? recommended insurers.
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Before my renewal was due I investigated possible companies by entering very close info, but not enough to identify me.
The quotes were all considerably higher.
When I queried this with my broker friend he said that insurance companies have access to lots of info about you that is taken into account. The thought that your driving record and the quote form is all that is used is wrong.
He was right and my LV renewal was considerably lower than my anonymous quotes.
When I last changed insurers I accidentally entered my wife ( as named driver ) with a birth date that was wrong by one day. All other details (month and year of birth,) how long licence held,how long a named driver, lack of previous claims etc were correct . After I had recovered from the marital consequences of getting her birthday wrong (and making her a day older :o ) I phoned the company to correct it. The premium came down by about £10 .
The call handler was not sure of the reason (computer says yes) , but it seems likely the insurance industry even record the history of named drivers on their database. A single day was enough to change her from a known history, to an unknown one that would probably be questioned in more detail in the event of any claim.
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I'm more than happy with my premium with NFU Mutual. You won't find them on comparison sites but you will find them at the top of Which? recommended insurers.
I haven't tried recently but as soon as I put my greater London postcode into NFU they can't quote.
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NFU are quite picky about who they will cover (NFU - National Farmers Union). They are really only interested in customers in rural areas, so anyone with a city postcode is likely to be rejected. They won't even quote for me, and I live in as rural an area as you can get, but my postcode is shared with my nearest big town.
The Jazz is insured with LV (also a Which? recommended insurer) for £230. That includes maximum no claim discount, Mrs FarNorthJazz as additional driver, car kept in driveway, driving about 8K miles per year and with a protected NCD and Motor Legal cover. That is about the same price we paid for it's predecessor - a Fiat Panda
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As a pre-cursor to my renewal, I got this from LV yesterday:
Dear Colin,
Before you receive your LV= Motor insurance renewal quote, we wanted to let you know about a new regulation by the Financial Conduct Authority (FCA).
The change means we need to make sure your price is the same or cheaper than if you were a new customer with us. And that’s exactly what we’ll do when we calculate your upcoming renewal.
We’ll calculate your price:
• on exactly the same cover you have today, including any add-ons
• using the personal information we hold on your current policy, like your date of birth and occupation
• compared to a new customer price on the same day your renewal was generated
Your renewal price could still go up or down depending on a variety of things like the cost of repairs, or if you’ve made any claims.
If you compare your renewal to a new price from us, they may be different if you've changed things like; voluntary excess, annual mileage, any add-ons, personal information such as your occupation, how you use your vehicle and how you set up your policy (e.g. online or over the phone).
You can be sure your renewal won't be more than if you were a new customer with us, based on exactly the same cover you have today.
You don’t need to do anything just now; your renewal invite will be with you shortly.
If you want to know more, we’ve put together a helpful summary for all our customers at LV.com/gi/fca-faqs
Kind regards,
Heather Smith
Managing Director, LV= General Insurance Retail
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Yes, I got one of those
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NFU are quite picky about who they will cover (NFU - National Farmers Union). They are really only interested in customers in rural areas, so anyone with a city postcode is likely to be rejected. They won't even quote for me, and I live in as rural an area as you can get, but my postcode is shared with my nearest big town.
Postcodes >:( Its a shame that changing your house name to "FarNorthJazz Farm " wouldnt work . ;D
Cherry picking clients has its appeal if you are a chosen one :-*
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Although insurance groups are supposed to be standard, I think each insurer has their own internal weighting.
Aviva told me they rank the Jazz at group 40 instead of the official group 20 - maybe because they have had some claims and seen the price of parts?
£2,300 for an infotainment control unit is crazy when you can get a quality tablet that's larger, has higher resolution and more processing power for a retail price of around £300.
For the insurers charging £200-£250, that wouldn't even cover the cost of two plastic wheel trims if there was a claim :(
Aviva weren't even interested in looking at the price and if they could reduce it, although I had been with them for some years. It was just, here's the price... go away if you don't like it!
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At the prices being quoted for spare parts, I can see more cars being 'written off' sooner as uneconomic to repair in the event of accidents.
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At the prices being quoted for spare parts, I can see more cars being 'written off' sooner as uneconomic to repair in the event of accidents.
Yes, it's quite likely.
At least on the Jazz we have a separate screen and buttons for the climate control.
On some other cars I've had, the climate controls/window heaters/defrost were all through the central infotainment screen so you would lose all of those when the infotainment screen fails.
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LV quote for Jazz £192 today, compared with 10 yr old fiesta at £167. Last year DirectLine was <£200 comp, £210 for comp + (European cover etc).
So don't think that that the Jazz is hard to insure.
I would have thought insurance would be ahead of the lack to charge more to cover for inflation, cost of replacement cars.
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£200 :(
Mine is nearer £400 due to a greater London postcode. Direct Line wanted nearer £600. That was even though I'd been with DL for 24 years and never claimed.
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It does seem to vary a lot between insurers, with some charging large amounts.
What surprised me was that Aviva/SAGA wanted more for a Jazz than for a Polo GTI.
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I renewed my insurance with LV= at the start of this month. It had only increased by around £30 from last year.
I paid £342 for fully comp, me and the "missus" to drive with an annual mileage of 10K. Cover included legal, hire car and NCB protection.
My car is a Jazz Crosstar which I bought in October 2021.
Out of interest Saga quoted me £700 odd for exactly the same cover...so I'm quite happy
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I pick up my EX next week. Admiral have quoted an increase of about £55 annually for the new model.
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At the prices being quoted for spare parts, I can see more cars being 'written off' sooner as uneconomic to repair in the event of accidents.
And more cars being stolen to strip for those parts. >:( Not Just Honda . There is a you tube video of someone blowing up his Tesla with high explosives because the cost of mechanical repairs exceeded its value. . A bit of a stunt. The budget also ran to hiring a helicopter to film it (it wasnt just a drone)
My hope is the silly costs of replacing certain parts after warranty will see the emergence of third party alternatives ,and businesses able to repair them at sensible prices. Or if Honda really hold a monopoly and its impossible to repair them at less than £2300, there is an incentive to make a compatible new alternative.
In electronics some of the 'big names' make components used by many other lesser known brands and common to a variety of applications. . LG supply the flat screens used by many other TV brands. Top premium brands sometimes include components made by other lesser known makers,or supply some of the parts used by lesser makers. The entry level TV's sold by some top brands under their own name are in reality made by someone else entirely using the same components as a TV that could be bought much cheaper. I'm not sure Sony play this game, but you cant always be sure what you are getting.
I am not an electonics expert but once saved myself £400 buying a new flat screen TV by replacing a sound card circuit board that only cost me £10. It was widely used in a variety of TV makes and sizes.
And I once replaced a leaking rubber shaft seal on a washing machine. Whirlpool wanted £25 for the 'original part' . :o I soon found they themselves had used one from a third party maker, readily available from bearing suppliers for 90p . Is it a coincidence they also wanted 10% of the price of a new machine?
we may find that under the skin the infotainment and camera systems used by Honda in reality use parts common to lots of other cars and devices.
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i cancelled my auto renew policy with Esure after a few years, I went online and applied to same and my offer was £75 pounds less, same details etc. It was convenient to auto renew but never again,dont know why they dont value loyal customers.
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I don't understand it either.
I was with Direct Line since 1988, never claimed so I was money in the bank and the annual quotes were acceptable but they hiked my last renewal quote by just over 30% so I left.
As their expiry got closer they flooded me with emails that got stronger with each one telling me I wouldn't be insured, etc, etc, so I phoned them to tell them I hadn't forgotten to renew but gone elsewhere and saved £ hundreds.
They said I should have phoned and they would have reduced the quote. I told them they should have done that before posting it.
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i cancelled my auto renew policy with Esure after a few years, I went online and applied to same and my offer was £75 pounds less, same details etc. It was convenient to auto renew but never again,dont know why they dont value loyal customers.
That's actually illegal now - they have to offer the same terms for new and existing customers.
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i cancelled my auto renew policy with Esure after a few years, I went online and applied to same and my offer was £75 pounds less, same details etc. It was convenient to auto renew but never again,dont know why they dont value loyal customers.
That's actually illegal now - they have to offer the same terms for new and existing customers.
But no one thought it through. Older customers tended to be the most loyal,so a large proportion was paying over the odds by not switching. Part of this Bonanza for the insurers may have kept older driver premiums down. But because Insurers now need to replace their profits, older drivers are now having to pay their fair share across the board. I read somewhere premiums for older drivers have, on average, risen by 13%. And some insurers, not quite sure how to treat them, are asking silly money, or refusing to insure them at all.
It cant be that older drivers have suddenly changed their driving habits and become a greater risk (unless they are all now concentrating on working advanced computer controls rather than driving ) It must be due to the new regulations
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The renewal on my HR-V with LV has just come through at £335.91 which is a £7.15 (2%) increase. I'm happy with that.
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I have just had my renewal from LV, two cars on the policy, my S Class Merc and my wife’s Jazz EX. The premium increase quote was plus 22%. I rang up and they said there was no specific reason other than the cars had been re rated, but did offer to reduce to plus 17%. Interestingly the Jazz stayed the same as last year, so all the increase was on the Merc. I have tried other quotes but they are all significantly higher, so I have renewed and just pleased it wasn’t more.
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Quotemehappy.com have been reasonably priced for me (low mileage, off road parking, but in London, where prices tend to be higher). They're pretty much all online but I've had no problems over renewal costs. Of course, things may have changed since my last renewal last December....
This won't help. Zero no claims 66 years living in rural Somerset £320 with SAGA fully comp 21 Jazz EX. As an aside I also have a BMW motorcycle. Moving from Hull to rural Somerset reduced my premium by 40%. The insurance company after 2 months of cover gave me £140 back.....i almost fell over.
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My renewal from LV has just come to me and is for a Birmingham post code and has increased 30 percent from last year. I’ve had no changes other than I’m a year older. I went on to a comparison site and my LV quote is the cheapest of all quotes.
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Try https://www.moneysupermarket.com/ - they saved me 50% on my insurance renewal when SAGA/Aviva both wanted £800+
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My renewal from LV has just come to me and is for a Birmingham post code and has increased 30 percent from last year. I’ve had no changes other than I’m a year older. I went on to a comparison site and my LV quote is the cheapest of all quotes.
So glad I live in rural Dorset. 2% change for me from LV.
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Today, I received an E-mail from Moneysupermarket.com, advertising a 'Special Offer' for car insurance, for EV and Hybrid vehicles.
I uploaded my details again for my Mk4 Jazz EX and the results were, as expected, more than I'm currently paying.
Their best quote was from LV, at £602.39, with £600 excess, which is about £20 more (with £400 Excess) than my existing policy with NFU. Some quotes were well over £1000 and 1 company, that I had never heard of, wanted £4810!!!
Why do these people bother ???
Now, I know many of our members are paying premiums much lower than this and the only reason for this I suspect, is my age, (85). All others details are positive. No claims, 60+ years driving, 9000miles per year, 2 other younger drivers, with good records (daughter & son-in-law).
Seems us oldies are being penalised for being old!!!!
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There are some weird quotes around.
I managed to get insurance with John Lewis for £430 but could have paid £600-£1000+ from a few others and with a black box fitted!
Even more than saga and Aviva wanted.
Maybe the other companies don’t want the business, or hope people will think it’s better than other policies and just pay it?
The funny thing I found with Aviva and saga was that they class the jazz as a higher risk than polo GTI.
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I'm told that insurance companies have access to lots of data about all of us.
In my case I've never claimed in 50 years + of car ownership so it's been money in the bank and yet some try and load me like I'm a new driver.
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How many “characteristics “ such as age, postcode, occupation, NCB history, annual miles etc do you think insurance companies evaluate when working out a quotation? I guessed about 20 but an IT friend who did some work for Direct Line said it was over 100 variables that are considered when working out a quote!
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It was Direct Line who got the pip when I left a few years ago when I got an auto renewal quote with an almost 50% hike.
For about a decade I'd asked them to take me off auto renewal and just send me the quote. Fell on deaf ears every year.
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Just queried my renewal quote from NFU Mutual which had increased 15% to around £310 (70 yr old full comp, 10+ yrs no claims and £150 excess). Increase due in part to the rise in secondhand car values meaning larger claims and also the increase in spare parts costs doe to scarcity.
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I was dreading my renewal from LV but it’s come in a bit cheaper than the comparison sites. New price £232, last year £200 so about 16% increase.
I’m happy (ish!) to the point I’m not gonna bother ringing them to get any more discount. Just won £65 on the lottery too! :D
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I’m being charged about £720 this year for the Jazz as compared to about £500 last year but then I was careless enough to pick up 3 points for speeding in November so I’m assuming that had a fair bit to do with it.
- Pogglefish
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Having been quoted £740 for the Jazz, I ran a quote for a VW Golf GTI performance pack (245hp) with the same company …
It was £500!
Still something funny with Jazz insurance.
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Still something funny with Jazz insurance.
Or maybe better: Still something funny with insurance companies?
Our Jazz was insured on September 1, 2021 for € 569,-
The last time (in June 2020) that we insured its predecessor, a Toyota Yaris Hybrid, the (identical) insurance cost us... €625,-
A year earlier, a 3-year-old Yaris with a lower purchase price, insured about 10% more expensive.(https://www.cheesebuerger.de/images/smilie/konfus/a085.gif)
In a month we will have to renew the insurance, I wonder....
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Just insured with CSIS. Very reasonable quote, below £300.
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Mine is due to renew at end of month - quotes are all well below £270. Age - over 70, NCB over 15 years, Crosstar, kept off road, 5000 miles. no business - so no idea why people are being charged more.
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I was dreading my renewal from LV but it’s come in a bit cheaper than the comparison sites. New price £232, last year £200 so about 16% increase.
I’m happy (ish!) to the point I’m not gonna bother ringing them to get any more discount. Just won £65 on the lottery too! :D
I rang LV about extra cost of a named driver. Didn’t go through with it but they did reduce the original £232 down to £220. Some companies seem better than others!
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Hi
I have just renewed with Adrian flux
Price was 318 and is about the same as last year without looking it up
No fuss and completed in less then 2 minutes
I also insured our caravan with Adrian flux a few months ago. Again no fuss and completed in less then 5 minutes
Many thanks
John
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The last few posts show a trend towards more sensible quotes. Lets hope those insurers who were nervous of change and wanted silly money, or refused to quote at all, are beginning to see sense .Or too many customers going elsewhere.
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Mine is due to renew at end of month - quotes are all well below £270. Age - over 70, NCB over 15 years, Crosstar, kept off road, 5000 miles. no business - so no idea why people are being charged more.
It does make a difference where you live. Poole (large busy conurbation) is cheaper than Sherborne (small quiet country town) No logic!
I am 76 (car insurance increases exponentially after 75, so expect yours to rise in 6 years time. 15 years NCB 7k miles a year. Aviva £283.
I presume quotes for £700 are for London domicile, or similar.
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Hi
I have just renewed with Adrian flux
Price was 318 and is about the same as last year without looking it up
No fuss and completed in less then 2 minutes
I also insured our caravan with Adrian flux a few months ago. Again no fuss and completed in less then 5 minutes
Many thanks
John
Hi.
Glad we could help out with your insurance again this year.
Regards,
Dan.
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Hi
Apologies Adrian flux renewal was cheaper then last year, which was 354 and renewal 318
Everything remains same as last year but I’m a year older
Many thanks
John
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It seems its not just car insurance premiums that have gone mad.
I received my renewal quote today regarding my house insurance from More-Than and was staggered to see that the house & contents premium has risen 75%, ie from £335 to £587, why, nothing has changed?
I was able to speak to a very nice young lady at their office, who after some discussion, was able to offer some 'discounts' on the premium, bringing it down to £493, still a 47% increase.
She did mention that there had been some reorganisation in the industry which meant that all clients, both old and new, would be paying the same rates. Looks as though we all paying more rather than less, no surprise there then :( :( :(
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Just took out insurance with Tesco - £216 for year.
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She did mention that there had been some reorganisation in the industry which meant that all clients, both old and new, would be paying the same rates. Looks as though we all paying more rather than less, no surprise there then :( :( :(
In yet another Ill thought through legal act, the government decided to ban new customer discounts as they thought existing customers would be treated the same with lower premiums - all that’s happened is because there are no discounts for new customers there isn’t the same pressure on the companies to be competitive to match the discounted prices to prevent you going elsewhere.
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We have LV vehicle insurance, a multi-car policy for our motorhome and my Jazz EX, with Unison discount the Jazz renewal today was £183, up from £150 last year. Two drivers, both aged 70, NE England. Limited to 4000 miles PA. We have 4000 mile limit on our other car and 5000 mile limit on the motorhome.....
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We have both had to change insurer this year due to premium hikes of 25-30% from last year, from QMH and esure.
OH got her Jazz back down to £170* with Carole Nash, but with a reduced mileage of 8,000 now both kids will be at Uni. My Vauxhall Insignia estate came in at £168 with Hastings, 12,000 miles. We are in a low risk postcode.
* edited after confirming cost of Jazz insurance.
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Just insured an EX due on Sep 1st for £265, max no claims, protected, one other named driver, £300 excess with LV in the Midlands.
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Just insured my Crosstar with LV, due on Sep 25th, max no claims, protected, one other named driver, £250 excess, living in Cardiff. Last year was £259, renewal quoted this year was £281.
MoneySuperMarket.com were quoting £216 with LV so I rang LV. Talked to a very helpful chap who adjusted a couple of policy details so we were comparing like with like and we settled at £226.
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Renewal reminder in from LV this morning. -----£4 less than last year.
Edit
Just saw the post above from Mike.
Might try that although given that it's a reduction from last year it seems a bit cheeky.
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just changed to LV for the Mk3 Sport , £154 after a bit of negotiation.
Have the house insurance with them and Boundless club discounts.
I added business use as I do a few gardening jobs in my semi retirement and the quote came out a quid cheaper ! Could this be that they assumed I was retired and then changed it to self employed.
Have any members recently retired ? , how did this affect your premium ?
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I've been retired since the age of 47, I am now 76. Never made any difference to premiums.
i tried LV for my HR-V e:HEV and they were ridiculous. well Over £300. got it in the end from AVIVA for £285.
These insurance companies make it upas they go along.
My Karoq was group13 and cost me £280 and the HR-V is group 31 and costs £285!
If anyone can explain THAT logic, I would love to hear it!
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Just had my renewal offer from LV, which came in at £265. Last year I paid £215, for my MK.3, 2016EX.
I went onto moneysupra to compare the prices, and didn’t find anything better. Indeed, the prices went as high as £2300 :o . I did the check 23 days before the start date, as I believe that is the optimum timing.
Potted version of policy details.
Max. No claims, north Manchester postcode, policy holder and spouse both 73+, daughter and husband 50’s,
So that is 4 drivers, no protected no claims, an additional £250 on any claim, car is a 22 plate EX.
So, I had a look at my last year policy document, and discovered that my declared mileage was up to 10,000.
I don’t expect to do that many, so I phoned LG, to declare 6000 miles. Three minutes later, a new price.
£223.
The morale of this, is don’t sign up for auto renewal,(but you knew that)!
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Yep ,having a declared mileage higher than you need can add a lot to the premium. On the downside doing more miles than you declared could make the insurers equally determined not to pay your claim.
I declared 12k miles as I usually do about that. I could have got a cheaper quote with lower miles. The car is now a year old and only did 8K miles >:( but thats because I decided to use my other car for a couple of long trips because it had all season tyres. I now have all season tyres for the Jazz so its likely to do nearer 12k miles so I wont change it.
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My best quote was from LV and just taken out a policy with them.
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I phoned up LV yesterday to change my insurance from the Crosstar to an HR-V. Phone answered quickly, process very smooth and it cost me £15.58 of which £15 was the admin fee.
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So this year's renewal quotes have just come in for me with my Crosstar and my wife's Hyundai i10. We're both with GA and have been for several years. The i10 has gone up by 8% and my Crosstar by 36% :o By switching to the AA we'll essentially pay the same as last year and save about £100 - no brainer really ::)
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What I don't get with these companies is, you have a good record, no claims for many many years, so the likelihood is it's money in the bank for them but they force you away with a silly quote.
Is this computer driven as when you phone they can correct it.
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Aviva promise to treat existing customers the same way as new ones.
So many Insurance companies think "We have had this sucker for years so we'll rip him off and he'll never notice."
Well this sucker does!!
My HR-V e:HEV cost me £285 when I went on telephone only policy with Aviva via the Meerkats. To transfer from my Karoq to the HR-V on the same Aviva policy it went from
£252 to £379!!!! :o
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So when the regulations changed they panicked, with many giving silly quotes or refusing cover completely .Appeared to lay low for a while , and now sneaking back to their old ways, hoping customers wont notice and the government too busy with other problems to notice either.
To be fair premiums wont be immune from inflation/ wage increases.
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Aviva promise to treat existing customers the same way as new ones.
This is law for all insurance companies since the regulations changed. It does mean that they can treat new customers the same as existing ones though, if you see the subtle difference. Although that would probably put new customers off, which was the whole point of the regulation change, to keep prices competitive.
What I will add is that it is not all about money. You could pay a premium of £100 per year but if the company was difficult to deal with or didn't pay out, you are wasting your money.
I will stick with LV unless things drastically change.
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I am with Direct line. When I swapped the 21 plate Clio S-Line (TCE100) to the new EX Style Jazz, our insurance went up from £267 to £272 per annum. This is fully comp, no claims protected etc. I was very happy with that.
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There will always be a variety of experiences with insurance companies. Personally I have been pleased with how both Aviva and LV have answered the phone promptly (UK call centres), been very competent in dealing with questions regarding the various cover aspects, and have been reasonably priced. They are by no means the cheapest, but I'm happy to pay a bit more if I'm fairly confident they will be decent to deal with. I currently have policies with both.
There are some horror stories of dealing with some reasonably well known companies.
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(50, Cornwall, switching from 61 Hyundai i20 to new Jazz SR)
Having gone online and did a "Moneysupermarket" type quote, I was expecting my insurance to go up quite a bit on switching to my new Jazz - most quotes were over £400.
However when I went to switch the insurance over with Admiral (did it online), was very surprised to only be charged £40 something more (of which I think £10 or £15 was the admin), so still well under £300.