Clubjazz - Honda Jazz & HR-V Forums
Honda Jazz Forums => Honda Jazz Mk4 2020 - => Topic started by: Saycol on June 01, 2023, 10:49:24 AM
-
I have been with Direct Line ten plus years. Max No Claims, No accidents.
Last year, one year old Crosstar £385
This year, two year old Crosstar £574
The only change is I am one year older. I expected a 10% inflationary hike but this is ridiculous. Any suggestions welcome!
-
I had the same issue with DL some years ago. Every year I had to ring them and negotiate.
I got fed up playing poker with them so I switched to LV who were considerably cheaper than my previous DL 'bargain'
I lived in a medium/high risk area when I renewed in April @ £450
When I informed LV of my recent move to a medium/low area they refunded me £216 :D
-
I had the same back in March. £300 to £400 hike. No accidents or claims in the last 5 years. 3 year old Mk 3. Can't remember who I was with as I change insurers most years. Shopped around but everything came out at about the £400 mark. Ended up with Santander (didn't know they did car insurance) at £500, but that included my provisional licence holding GF as a named driver.
-
It’s a minefield out there. Saw an advert connected to Age UK regarding insurance through LV, so thought I would ask for a quote, given that I’m the wrong side of 80.
The quote came in at circa £1825 or thereabouts, which was over £1000 more than I’m paying now.
Now that’s having a laugh. :o :o
-
Thanks to those who have replied. Have just done a quick online quote with Aviva and it came out higher than Direct Line!
So what’s causing the 50% year on year price hike? Is it a Honda thing (parts availability/prices)? Jazz/Crosstar involved in lots of claims?
As per original post only change is I am one year older (and the car is too, of course)!
-
NFU change this year was +18% £325 to £385 with a 'savings' of £54, max NCD.
Previuosly Zurich but stopped after increases did not make sense.
-
Just had my renewal from LV - gone from £283 to £413, 10K miles, £250 voluntary excess. Only major change is that I have turned 70. Looked around, and LV still seems to be cheapest. :(
-
Give DL a call and ask if they have your correct details, then tell them you have a better quote....
-
My insurance last year for new Honda Jazz ex was £336, renewal just over a month ago was £610, only change was my age 67 to 68.
I queried this with the company, could not give me any reasonable explanation for the increase. Only offered 10%off, so told them to forget it and went elsewhere
Now obtained same cover for ,£296
Moral is shop around, it's definitely worth it.
-
As I've posted before, if you go price comparison, read the small print very carefully.
One young driver was unaware he wasn't covered to drive at night. Hidden in small print.
-
The quote came in at circa £1825 or thereabouts, which was over £1000 more than I’m paying now.
Now that’s having a laugh. :o :o
Just a question, how many miles do you think you will drive in the next year? What will you pay for insurance per mile? Or how many miles can you drive for £1?
Maybe ask LV if they really think that's a fair price?
-
Unfortunately is not just the Jazz that's experiencing a significant increase in insurance premiums. The increases are being reported across many makes and models by people of all ages and driving experience.
The typical response from the insurance company is prices have to go up due to the significant increase in the cost or parts and repairs.
I was just shopping around for quotes on a replacement for my second car and prices varied as much as £500 for the same cover. Several companies refusing to quote.
Not sure where it will end as we as the drivers, must have insurance and even as a collective, have no real way to put pressure on insurance companies. They can simply continue to quote higher and higher prices and nothing we can do other than shop around.
-
I was pleasantly surprised when switching from an 11yo car to my new Jazz this year that the renewal quote seemed fairly decent at an increase of only £100 (Admiral). Did a quick look on comparison sites, but my quote was lower than most insurers I'd heard of.
Removed my 80yo mother from the named drivers and that saved best part of £100 as well!
-
The quote came in at circa £1825 or thereabouts, which was over £1000 more than I’m paying now.
Now that’s having a laugh. :o :o
Just a question, how many miles do you think you will drive in the next year? What will you pay for insurance per mile? Or how many miles can you drive for £1?
Maybe ask LV if they really think that's a fair price?
The quote was requested, thinking that Age UK deal with old people and the link to LV should reflect that.
I paid £687 last March with NFU - Age 86, clean licence, no accidents, max no-claim bonus, 9000 miles per year, plus my Daughter & Son-in-law (also clean licence etc).
So, the LV quote gives a cost per miles of 20.2P, which is more that twice the cost of fuel to power the b----y car. :o
I still say they are having a laugh and it seems, as you get older, the laugh gets louder. ;D ;D
-
I still say they are having a laugh and it seems, as you get older, the gets louder. ;D ;D.
Yes... and the laugh will get louder and louder, because they think you should be using a hearing aid. (https://em-content.zobj.net/thumbs/120/sony/336/ear-with-hearing-aid_medium-skin-tone_1f9bb-1f3fd_1f3fd.png) (https://www.cheesebuerger.de/images/midi/froehlich/a068.gif)
-
For my 2022 HR-V, LV have quoted me: Last year's total price £191.15, this year's total price £280.99.
That's a 47% increase, albeit from a very low value. When I changed the insured vehicle from Crosstar to the HR-V last October I had to pay an extra £15.58, of which £15 was the admin fee.
I have to wonder whether greater awareness of the vulnerability to relay theft is a factor in the increased premiums. While it's possible to put the Honda keys to sleep, the insurers can't price that into the premiums.
PS: LV's list of reasons for the increase is at https://www.lv.com/car-insurance/renewal-explained.
-
When I phoned LV to change my address last week the first question they asked was "is the car still garaged overnight" so you may have a point.
When I picked my Jazz up even the dealer was unaware of the keyfob disable 2 button press.
-
My HR-V E HEV cost £285 in 2022 group 32.
Exactly a year later my CR-V cost me £328 Group 24!
I am a year older (OBVS!) now 77. That is the ONLY difference in circumstances.
EXPLAIN THAT! Aviva can't, they 'telephonically' shrugged their shoulders a said "Can't be helped, all insurance premiums have gone up." To be fair, when I visited the Meerkats, there was only one company cheaper , the rest were even MORE expensive!
Apparently the average cost of motor insurance in the U.K is now £749.
SO I suppose we had all better stop moaning. Or go and buy something like a Hyundai i10 or Citroen C1.
-
When I get to Sep 26 when my 5 years runs out I'm planning to sell it.
I won't need my own car now I've moved to within striking distance of relatives. As it is I can't see me doing much more than 50 miles a month now I'm not driving between Northolt and Reading once a fortnight.
-
When I get to Sep 26 when my 5 years runs out I'm planning to sell it.
I won't need my own car now I've moved to within striking distance of relatives. As it is I can't see me doing much more than 50 miles a month now I'm not driving between Northolt and Reading once a fortnight.
It's a consideration. A lot of money tied up in a depreciating asset if you do a tiny mileage. My current mileage is pretty low already so I'll be doing similar calculations when my 5 years expires.
-
Yes this chimes with me....having just retired I planned to treat myself to a nice new shiny lump of metal, but seeing as it's sat on the drive for most of the week I'm beginning to re-consider and keep my 15-year-old Nissan - which I'm not paranoid about either !
-
The day they take my licence away I shall be tempted to 'open a vein'!
I obviously drive more than some others (about 7k a year)
My work with Shell involved around 30k a year.
I just LOVE driving. Hence my lifetimes 78 cars!
I hope to drive until I die!
-
The day they take my licence away I shall be tempted to 'open a vein'!
I obviously drive more than some others (about 7k a year)
My work with Shell involved around 30k a year.
I just LOVE driving. Hence my lifetimes 78 cars!
I hope to drive until I die!
+1
-
The day they take my licence away I shall be tempted to 'open a vein'!
I obviously drive more than some others (about 7k a year)
My work with Shell involved around 30k a year.
I just LOVE driving. Hence my lifetimes 78 cars!
I hope to drive until I die!
Also plus me, I would totally lost if I could not drive, still doing about 9k miles per year at age 86
Recently widowed so I need something to live for, apart from my remaining family. :(
-
I have always looked for an excuse to drive. Right from the day I passed my test and my Dad asked me to nip to the shops for some cigarettes. His nails were bitten down to the first knuckle when I returned with them with 40 more miles on the clock! I have been a bus driver, driven trucks and two stints at being a delivery driver around local garages. Now I hardly drive at all. I have nowhere I need to go. Sometimes I just get in the car and start it up for the fun of it.
-
Massive premium hikes being discussed here. Not looking forward to renewal on our two cars.
It is worth bearing in mind costs in this day and age. Hourly labour at garages are what, £80+vat most places? A lot charge north of £100+ ph. Let alone parts prices. Your premium wont cover much to be fair, and that's what I always try to remember.
I pay less now to insure my 10yo Jazz, than I did in 1989 to insure my 10yo Morris Marina! Mind I'm about 1000% safer than I was age 17 ;D ;D ;D ;D
-
Insurers will point out that premiums dropped significantly following the pandemic because the lockdowns meant that people were driving fewer miles and hence the risk of accidents was lower. See, for example:
https://www.confused.com/car-insurance/guides/has-car-insurance-gone-up
So in comparing todays renewal premium with last year’s, you’re comparing with an unusually low level and it shouldn’t be surprising that the increase looks bad. It would be more instructive to compare with premiums from (say) early 2020. Of course that is also unrealistic because folks may have changed cars and are three years older, both of which will affect premiums.
-
There are aspects of car insurance that annoy me, but I cannot always think of a fair and workable alternative.
The postcode lottery. Some of us live in an area with a heavy premium. Yet might live in leafy suburbs, with the car garaged and often drive in rural areas. Whilst a rural resident may be surrounded by scumbags and frequently visit the big bad city.
The Jazz is not exactly the first choice of car thieves. a 25% increase in relay thefts may be an increase from 4 cars a year to 5 cars. Car manufacturers , crash repairers and insurance companies seem to have a cosy relationship regarding the cost of car repairs , a nice little earner for some. The consumer pays. (I have no evidence :-[ )
Some of us wrinklies are still skilled and experienced drivers and a good risk for insurers. Either from low mileage, or a higher mileage done well. But as things are for every one of us who can somehow justify paying a lower price despite the statistics ,others will have to pay more. Nice if you are indeed among the chosen few. Of course I think I should be one of them.
A good few years ago one insurer tried the radical approach of not charging young drivers massively more .
But as they were the only one they attracted more than their fair share of bad risks. Good risks preferred to save a few quid with another insurer. Same happened to some extent when it became illegal to give cheaper premiums based solely on gender. As we all know the female of the species is superior in many respects. Male drivers saved a few quid, females paid a bit more.
Maybe as I get older I will increasingly have to support those employed in the automotive economy. A choice between heating, eating, or erm Car (I cant think of a rhyme :-[ ) A warm car and a bag of crisps.
-
I have always looked for an excuse to drive. Right from the day I passed my test and my Dad asked me to nip to the shops for some cigarettes. His nails were bitten down to the first knuckle when I returned with them with 40 more miles on the clock! I have been a bus driver, driven trucks and two stints at being a delivery driver around local garages. Now I hardly drive at all. I have nowhere I need to go. Sometimes I just get in the car and start it up for the fun of it.
That's relatable to me definitely. I occasionally go a rather circuitous route to the supermarket to enjoy the drive. I am over 3 years away from making any kind of decision and I might change my mind then if I'm still around that is!
I doubt whether I would lash out on another new car though. I'd almost certainly keep what I've got. It would see me out I feel.
-
I'll stop driving when I'm no longer a safe driver or I've got no money left.
I said to my daughter tell me when you think my driving is getting unsafe.
She said don't worry Dad it's great at the moment but when it isn't I will !
-
I have had regular driving assessments since turning 70. A local driving instructor does it using my car, so it is considerably cheaper than the price of a lesson.
-
a 25% increase in relay thefts may be an increase from 4 cars a year to 5 cars.
But it isn't
https://www.thisismoney.co.uk/money/cars/article-11780083/Car-thefts-29-year-experts-warn-rise-2023.html
72,000 and rising.
Back to insurance, just had to renew my E, 3 years no claims (because 2nd car), garaged and less than 1000 miles a year, and 67 years old. £328 last year (with legal cover) and £419 now. I could have saved £100 by having tracker fitted to OBD port but didn't fancy some database having my entire life's movements and driving style on file forever. However I did save £20 with the daughter in law as second driver (presumably because younger and clean record).
-
a 25% increase in relay thefts may be an increase from 4 cars a year to 5 cars.
But it isn't
https://www.thisismoney.co.uk/money/cars/article-11780083/Car-thefts-29-year-experts-warn-rise-2023.html
72,000 and rising.
But it isn't? Not even if, like Lord V, you project it onto the huge numbers of stolen Honda Jazz? ;D
I don't see the Honda Jazz mentioned in any list of "most stolen cars", published in any (European) country... (https://www.cheesebuerger.de/images/smilie/konfus/n045.gif)
-
Yes, because it is not seen as a "cool" car, far too sensible, reliable, and frugal! ;)
-
Hi.
Please feel free to give us a try for insurance if you haven't done so already.
Regards,
Dan.
-
Hi.
Please feel free to give us a try for insurance if you haven't done so already.
Regards,
Dan.
Wouldn’t be so bad if you bothered to reply to enquiries
-
Back to insurance, just had to renew my E, 3 years no claims (because 2nd car), garaged and less than 1000 miles a year, and 67 years old. £328 last year (with legal cover) and £419 now. I could have saved £100 by having tracker fitted to OBD port but didn't fancy some database having my entire life's movements and driving style on file forever. However I did save £20 with the daughter in law as second driver (presumably because younger and clean record).
May I suggest you drop the legal cover. In the event of a claim it is the responsibility of your insurance company to argue/fight with the other party's insurance company, so why pay twice.
Legal cover is IMO a complete rip-off.
If it a case of compensation for personal injury to a 3rd Party you MAY find (CHECK!) that your household insurance will cover you for 3rd party liability.
Quote:-
Some insurance providers may be able to offer you personal liability cover for other instances of damage or injury. This may be included under your home's contents insurance – of course, it is always important to check with your insurance provider to make sure this is the case.21 Oct 2022
-
2022 EX.
Just had my renewal price of £987!
Searched around and paid £520.
Full no claims.
Gone with Hastings Direct.
-
Best of luck if you need to claim.
Dig out the claim reviews : https://uk.trustpilot.com/review/www.hastingsdirect.com
-
My insurance is due in six weeks. Today I got a quote from Direct Line that is more than twice what I paid to the AA, last year. Needless to say, I will be eagerly awaiting my renewal quote from them in the next couple of weeks.
-
Mine has gone up 50%, will contact Saga and see what they have to say otherwise I will shop around.
-
Mine has gone up 50%, will contact Saga and see what they have to say otherwise I will shop around.
Shop around first before you call Saga - that way you will have competitive quotes to get their attention!
-
Renewal just emailed to me today with an increase of 23%! Small % compared to some posts here, but still far too much. So, shopping around starts again. It's a PITA but what's to be done. :(
Road tax to be renewed too, expensive month.
-
Amazingly after getting a various comparisons quote on the E on Martin Lewis' 23 day optimum deadline, my auto renewal from Flow came in at £350...... £70 cheaper!!
Flow is the low cost version of LV - same company as other lowest quote, the only phone line is for claims, otherwise you email or message for usual business. LV has a bit more customer service for the extra cost. I fail to see how lower administration costs lead to that difference for each customer :D
The younger clean record second driver on the LV quote saved £20 on the premium, the exact same second driver on the Flow policy would have been £120 extra!
No logic to be seen.
-
In February I renewed with Quote me happy for £345 for my SR. Full ncd, zero voluntary excess,Today I had an email telling they had calculated my premium wrongly and they had refunded me £29. Result!
-
2020 Jazz Ex 5,000 miles P/A 5 yrs NC 350 with SAGA last year 490 renewal this year. Tried to call them, after holding for 30 minutes gave in. Went on line, best quote with FLOW 260. A small saving of 230. Job done.
-
Well done. Who underwrites 'FLOW"?
-
same company as Liverpool Victoria or now LV=.
Actually it doesn't seem to matter much as all are car insurance is underwritten by a handful of large Lloyds syndicates. You pay more for customer service or lack of it if you go too cheap.
-
RIAS got my business this year. About £60 more than I paid last year.
Having sold our house and gone in to a rental whilst we search for our next home hasn't helped. We are now tennents and parking on road as apposed to home owners parked on drive.
Still, comprehensive 100xs £292 including green card and just £60 windscreen xs. Happy with that. Even more so, as they permit online mid term adjustments without admin fees! Given we're to change address again in a few months, that's another £25 or so saved.
RIAS are Ageas direct. Ageas are a decent insurer.
Had some quotes £600+ The big red telephone people wanted nearly £500.
-
Just got a quote in for my 16v Fabia. £366.18. Quite a rise from the £200.35 I paid for the Jazz last July.
-
Just had a quote from LV for my 2018 HR-V at £369.53. Last year was £335.91 which equates to a 10% rise. So with the current economic climate, I'm happy with that.
-
Most sound like reasonable deals, mine was £410 last year, this year £580.
No change in my circumstances except a year older. Been on to Saga and they gave me a poor excuse that Jazz must have had more claims in the past year, not me I said, never had a claim in 58 years.
Been onto a few comparison sites but the price is competitive with the ones shown.
-
So, last year with Direct line my insurance was £273. That Is fully comp, protected NC and legal cover. That is for me and her, both 60 at the time with full NC and no convictions, 12k a year. 6 months of this was with a 21 plate Tce100 Renault Clio, the next 6 with the new 22 plate Jazz.
Just had my renewal, and it has gone up to £431.
I did the comparison thingy, and Flow came out at £355 (like for like policy wise, but giving us a hire car too, which I didn't have with DL).
I then went straight to Flow online, and mentioning that I had the tracker included with the +Honda app it dropped to £333.
I then went back to DL, told them I wasn't happy with the renewal quote... and after much umm'ing and ah'ing they came back with £356!...(but this was still without a hire car, which was another £25).
I was a bit peeved that they tried the old inflation/supply of parts/blah blah.. but then managed to drop it anyway. I have my house building/contents with DL and have been with them for the last 6 years.
Needless to say, I will now go with the Flow as it were.
-
Direct Line has just had some bad publicity, the regulator has upheld complaints they underpaid true value of write offs, and they now have to go through 5 years of claims and pay more to people who had their cars written off.
-
Final quote from my insurers of £350 for Fully Comp insurance. Happy enough with that.
-
It's a little concerning that the Jazz is several groups higher than the Yaris Cross.......
-
Hmmm..... older drivers more likely to prang? spare parts more expensive? less on the road than more numerous competion makes repairs more expensive from fewer dealers? parts have to come all the way from Japan?
-
Just had a quote from LV for my 2018 HR-V at £369.53. Last year was £335.91 which equates to a 10% rise. So with the current economic climate, I'm happy with that.
I checked through my insurance policy and realised that I still had business cover so I phoned and asked them to remove it. The new quote came in at £323.85. So less than last year. Good result :)