But they do, under different brand names.
In the end I switched to LV.
I am with LV & my renewal quote just came in, increase of £225. Initial searches showing much cheaper prices so will not be renewing with LV.
In the end I switched to LV.
I am with LV & my renewal quote just came in, increase of £225. Initial searches showing much cheaper prices so will not be renewing with LV.I got confused by this post. I think this is what you meant.
Several of you are recommending LV for insurance.
Have just obtained an on-line quote and also spoken to them.
The best they can offer is £1076.40 which staggers me and is roughly twice what I'm paying at the moment.
It certainly looks as though age is the problem, particularly when I see others getting insurance for around 1/3rd or less than the quoted figure.
So lads, don't get old >:( >:(
Several of you are recommending LV for insurance.Hi, At what age did you notice the premiums were increasing?
Have just obtained an on-line quote and also spoken to them.
The best they can offer is £1076.40 which staggers me and is roughly twice what I'm paying at the moment.
It certainly looks as though age is the problem, particularly when I see others getting insurance for around 1/3rd or less than the quoted figure.
So lads, don't get old >:( >:(
Several of you are recommending LV for insurance.
Have just obtained an on-line quote and also spoken to them.
The best they can offer is £1076.40 which staggers me and is roughly twice what I'm paying at the moment.
It certainly looks as though age is the problem, particularly when I see others getting insurance for around 1/3rd or less than the quoted figure.
So lads, don't get old >:( >:(
It gets worse, now had a quote from Adrian Flux - £1788 :o
Several of you are recommending LV for insurance.Hi, At what age did you notice the premiums were increasing?
Have just obtained an on-line quote and also spoken to them.
The best they can offer is £1076.40 which staggers me and is roughly twice what I'm paying at the moment.
It certainly looks as though age is the problem, particularly when I see others getting insurance for around 1/3rd or less than the quoted figure.
So lads, don't get old >:( >:(
Could this be considered as sharp practice?
I asked my broker friend and he's been seeing this as well.
His guess is that there has been a large increase in the elderly switching to 2 pedal cars and having expensive accidents pressing wrong pedals.
I think many older drivers restrict themselves to 'roads they know' and avoid driving after dark.
Of course if you feel unable to tackle unfamiliar locations you shouldnt really be driving at all. Even a familiar road can have unexpected hazards that weren't there the last time.
Maybe the fact that todays older drivers have often driven most of their lives and venture out more by car has exposed their age related shortcomings (on average ) such as loss of concentration and slower reactions. ,hence higher premiums.
It seems that this post is rapidly developing into one relating to an old persons ability to continue driving.
Maybe the IAM or some other road safety organisations could have a 'wrinklies club' where older but enthusiastically active drivers could demonstrate they still justify lower insurance premiums with amenable selected companies.
Back to insurance cost, Martin Lewis (in the UK) reckons that best time to get a quote is around 23 days before your insurance is due to lapse. The nearer you get to lapse date, the higher the quotes get on the assumption you will be more desperate to buy.
Quote
+Our analysis of over 70 million quotes from the four biggest comparison sites – Compare The Market, Confused.com, Gocompare and MoneySupermarket – showed a policy costs an average of £1,198 a year on renewal day. But 23 days earlier the average is just £694 a year, a MASSIVE £504 difference.
In general, the closer to your renewal date you get quotes, the more of a risk you're deemed to be (we've heard that it can show insurers you're a bit disorganised). But getting quotes too early, for example, 28+ days out, can also push the average price up – likely as fewer insurers will provide quotes that early.
Unquote
Job title can affect a lot, but that doesn't help if your title is retired! ;D
Back to insurance cost, Martin Lewis (in the UK) reckons that best time to get a quote is around 23 days before your insurance is due to lapse. The nearer you get to lapse date, the higher the quotes get on the assumption you will be more desperate to buy.
Quote
+Our analysis of over 70 million quotes from the four biggest comparison sites – Compare The Market, Confused.com, Gocompare and MoneySupermarket – showed a policy costs an average of £1,198 a year on renewal day. But 23 days earlier the average is just £694 a year, a MASSIVE £504 difference.
In general, the closer to your renewal date you get quotes, the more of a risk you're deemed to be (we've heard that it can show insurers you're a bit disorganised). But getting quotes too early, for example, 28+ days out, can also push the average price up – likely as fewer insurers will provide quotes that early.
Unquote
Job title can affect a lot, but that doesn't help if your title is retired! ;D
See my reply No26 on this post, it proves exactly what 5thcivic is saying :o
Have also checked with Avviva, they have an age limit of 84 max, :(
Quotethen I think the name of one website describes the situation exactly: Confused.com. (https://em-content.zobj.net/thumbs/120/sony/336/1st-place-medal_1f947.png)
+Our analysis of over 70 million quotes from the four biggest comparison sites – Compare The Market, Confused.com, Gocompare and MoneySupermarket – showed a policy costs an average of £1,198 a year on renewal day. But 23 days earlier the average is just £694 a year, a MASSIVE £504 difference.
In general, the closer to your renewal date you get quotes, the more of a risk you're deemed to be (we've heard that it can show insurers you're a bit disorganised). But getting quotes too early, for example, 28+ days out, can also push the average price up – likely as fewer insurers will provide quotes that early.
Unquote
At the moment I feel OK driving, very early 70's, but I do find night driving not as easy as it was so I avoid unfamiliar routes in the dark.That describes me :) In addition to cataracts developing but not bad enough to justify medical intervention there's the general problem that eyes get slower to adjust to changing lighting conditions.
Hi all, Can anyone suggest which company gives the cheapest insurance quote for their MK4 Jazz/Crosstar?
Quite obviously, age is the problem, but having said that I note that Jazzick's graph gives an accident rate for +80 year old drivers, as equal to 30-34 year old drivers. Are these younger drivers paying these exorbitant rates?
When I was hunting for renewal NFU were the most ridiculously expensive quote I had.
It just goes to show, the insurance companies make it up as they go!!
Maybe the following will also work in the UK (for those with a younger wife):
Next week I turn 75. My wife :-* is nine years younger than me. Our cars have been in her name for about 10 years, with me as co-owner. The insurance also in that way and that's where her age counts... :D
And are more risk per Kilometer driven.
If we leave aside the possibility the insurers are taking the opportunity of ripping off older drivers there is probably a good reason why they will only offer cover at a higher premium, or not at all. Otherwise they would be only too happy to attract low risk drivers.
This doesn't work in the UK?Maybe the following will also work in the UK (for those with a younger wife):
Next week I turn 75. My wife :-* is nine years younger than me. Our cars have been in her name for about 10 years, with me as co-owner. The insurance also in that way and that's where her age counts... :D
The car is registered in my wife's name with me as co-owner. The same on the insurance policy. Who is the main driver...? (https://www.cheesebuerger.de/images/smilie/konfus/a015.gif)
Both my wife and I drive the car regularly and we don't keep a time or mileage log which of us drives the most. So it will be quite a task to determine who the main driver is. We don't even know that ourselves. This week that could be me and maybe next week her. Or vice versa. Or not...or...
I wasn’t setting out to accuse anyone of anything. What you do is between you and your insurance company, I’m not interested. But you asked a question about whether adding a younger driver was done in the UK, so I was just setting out some facts and a warning. I’m also not clear whether any of that applies in Poland.
£350 for 74 year old, fully comprehensive, 10years plus ncb, no accidents or convictions, £250 excess, ncb protected, with Carole Nash - even Saga were below £500, quote for 2023 Jazz SR so overall I’m happy :P
BTW, who owns the car, or in whose name it is registered, is irrelevant in the UK; it’s the identity of the driver that’s important. The RAC link gives an idea of who that should be, but if it’s unclear then it’s up to the individual to take advice and act accordingly. I had this dilemma myself a few years ago: my wife used the main car daily to commute, but I drove it at weekends and whenever we went away on holiday. She drove it more often but I drove more miles. Never did resolve it, but luckily never had to justify it to an insurance company.
All car insurance seems to have leapt up this year.Exactly what I found apart from the fact that 'Quote me happy' WON'T over 70. (i'm 77 :'(. )
Nothing we can do.
All car insurance seems to have leapt up this year.Exactly what I found apart from the fact that 'Quote me happy' WON'T over 70. (i'm 77 :'(. )
Nothing we can do.
All car insurance seems to have leapt up this year.Exactly what I found apart from the fact that 'Quote me happy' WON'T over 70. (i'm 77 :'(. )
Nothing we can do.
Yes they will. I will be 74 in May. I will start my third year with QMH next month.
Yes they will. I will be 74 in May. I will start my third year with QMH next month.
To bring this thread more up to date…
Got my renewal mail from LV today. It’s gone up 33% to £293 from £220.
To be honest I was expecting it to be more. Comparison sites have LV at almost £400.
So either they’re looking after current customers better or not chasing new ones as hard.
Anyway I’m (almost) happy :)
Just received my renewal from LV this morning, absolutely nothing changed from 12 months ago, its gone up from £416.10 to £605.86, this is an increase of just under £190.00, for nothing!!!!.
Anyone had similar increases?, or better still anyone moved from LV, think I am pay for the ashes sponsorship here, ridiculous.
Mine is in that ballpark, also 3k miles a year, clean licence, etc.
When I had a UB postcode in March, LV charged me ~£450. When I moved to a RG postcode 2 months ago LV refunded me just over £200.
The critical question seemed to be "is the car still garaged overnight"
Just phoned Direct Line and said been with them a long time and will be leaving as unhappy. They revised insurance renewal quote increase to £358.13 so accepting that for mid September and staying with Direct Line.
As reported on here most comparison sites quotes were up there with my original renewal quote. AA quoted £427.54.
I have been with Aviva for many ears and have always found them competitive price wise and superb in the case of a prang of which, sadly I have had a couple.My quote from Aviva was well over half as much again as the one from John Lewis, which is underwritten by Covea. It is also possible to insure direct with Covea I think. It is a substantial French-owned business, although I hadn't heard of them either! Time will tell whether I've made a good choice or not.
Tesco is underwritten by Covea! ever heard of them?
John Lewis is one which is ok underwritten by Sun Alliance.
GOOD LUCK!
Insurance companies jumping on the profits bandwagon ?Yep, filling their boots thinking we won't notice.
A friend's daughter had a minor bump.
A local 'good' garage quoted £500 to repair the area.
The insurance company have written the car off and offered £3,700.
A friend's daughter had a minor bump.
A local 'good' garage quoted £500 to repair the area.
The insurance company have written the car off and offered £3,700.
They took the offer, bought the car back for £600 and it's now in the garage getting repaired.
That just doesn't financially add up for the insurance company to me. No wonder premiums are rising.
charge existing customers more for their insurance than someone buying identical cover from them for the first time.
So, my LV car insurance quote arrived today, exactly 1 month before my premium is due.
My renewal quote, shows that last year I paid £220, this year, they are looking for £395.
Gosh!, (or a similar word).
I would be loath to leave LV, as only today, I received a mail out from WHICH magazine, showing how well regarded LV are, when a claim is made.
I don’t think that the £395 is an excessive price, it’s just the percentage increase that irritates,
So, my LV car insurance quote arrived today, exactly 1 month before my premium is due.
My renewal quote, shows that last year I paid £220, this year, they are looking for £395
I don’t think that the £395 is an excessive price, it’s just the percentage increase that irritates,
Phone and tell them you are not happy with the renewal quote. I gaurantee they will drop the price.After receiving my LV renewal quote 50% up from last year’s £388 and obtaining an equivalent John Lewis quote at only 9% up, I tried to ring LV but found myself in a long queue so I lost patience and accepted John Lewis. I can’t comment on how LV handle claims as fortunately I never had to claim. I think they must have decided to avoid octogenarians!
So, my LV car insurance quote arrived today, exactly 1 month before my premium is due.
My renewal quote, shows that last year I paid £220, this year, they are looking for £395
I don’t think that the £395 is an excessive price, it’s just the percentage increase that irritates,
Just renewed mine with LV. Seems there’s no consistency there at all.
Last year £220, same as you, this year £293, £100 less than you.
They must just stick a pin in a list!
But I still wonder why I, as a man, have to pay a lot more than my wife - I thought that sort of discrimination had been banned?
I Dismissing the first few 'who's ever heard of them?' outfits,
But I still wonder why I, as a man, have to pay a lot more than my wife - I thought that sort of discrimination had been banned?
Its not discrimination, it's statistics... :(
Direct Line was ordered to repay home and motor customers 30 million pounds they were overcharged. I didn't see any news of any fines though. The share price jumped 15% today on news of selling its commerial insurance arm for more than 550 million pounds.Indeed - who need s a commercial insurance arm when you can can make obscene profits from vehicle insurance.........
But I still wonder why I, as a man, have to pay a lot more than my wife - I thought that sort of discrimination had been banned?
Its not discrimination, it's statistics... :(
I don't quite understand why you need separate insurance policies. My wife takes out the policy (Flow this year, after previously with Direct line), and I am added as a named driver. We have always done it this way.
So, my LV car insurance quote arrived today, exactly 1 month before my premium is due.
My renewal quote, shows that last year I paid £220, this year, they are looking for £395.
Gosh!, (or a similar word).
I would be loath to leave LV, as only today, I received a mail out from WHICH magazine, showing how well regarded LV are, when a claim is made.
I don’t think that the £395 is an excessive price, it’s just the percentage increase that irritates,
So, I did the comparison sites, and they were all more expensive than my LV renewal quote.
I phoned LV, and expressed my displeasure. I thought that I had an ace up my sleeve, when he ran the figures through again, after I told him that I was now going to garage the car. Previously parked on drive.
I admire the guy for not laughing, when he delivered the new price of £2.20 less.
Anyway, he cobbled some kind of discount, loyalty or whatever, and I paid £375. OK I suppose.
I know of Tesla in a bump with older model Fiesta - now repaired. The insurance company wrote the Tesla off unable to tow it away because of fire risk it's in a massive compound with other electric vehicles........engine area still warm after 4 months storage.That's scary stuff. EV's are selling in record numbers, yet this info is not out there. Do vosa/mira have research on this?
I know of Tesla in a bump with older model Fiesta - now repaired. The insurance company wrote the Tesla off unable to tow it away because of fire risk it's in a massive compound with other electric vehicles........engine area still warm after 4 months storage.
It was reported today in the Telegraph that John Lewis have stopped insuring Electric vehicle due to the escalating repair costs of even minor accidents … Interesting to see if other insurers follow suit, …That might work in the short term, but it’s not really a sustainable long-term business model. JL (and any others) are effectively shutting themselves out of the fast-growing EV ownership sector, so what’ll they do when EVs are in the majority on the roads?
I suspect that Insurers have been amortising the increased costs across all cars including regular petrol and diesel motorsOf course they are doing that … that’s how insurance works! You have a large number of people paying relatively small premiums to create a pool of money which covers the costs of the small number of people who need to make a claim. The bigger the pool, the better, because any individual’s share of the costs will be smaller. It’s not really clear that restricting the size of the pool by deciding not to accept a whole sector of vehicles would result in lower premiums for the people in that smaller pool because their share of the repair costs will be greater.
Well shocked at the recent increase on renewal from LV. So far all the alternatives and car comparison quotes have been even more expensive. Anyone found a good comprehensive policy quote at a reasonable cost recently?
How easy is it to get to the catalytic converter on the MK4 Jazz?On the MK4 Jazz the catalytic converter sits very close to the motor and is unreachable without breaking into the engine bay.
What the hell is going on?
My insurance is not due for a few weeks but have just had insurance quotes from Money Supermarket for my Mk4 Jazz EX
Premiums range from £1553 up to £1994, for fully comprehensive insurance. No, those figures are not misprints!
Last year I paid £585, which I thought was extortionate then, but we are now talking plus £1000 increase!
Ok, so I’m 86 years old, but have had a clean licence for the best part of 70 years, last accident (no blame) was in 2015, included are my daughter and son-in-law, also with clean licences and no accidents.
Are the insurance companies trying to wipe us oldies off the roads?
Perhaps someone of a similar age and history can tell me where they got their insurance?
I found when my 91 year old neighbour's 2011 Jazz renewal came in at £1300 I added myself (68) to her policy and the premium dropped to £900.....have you got a younger family member you could add?What the hell is going on?
My insurance is not due for a few weeks but have just had insurance quotes from Money Supermarket for my Mk4 Jazz EX
Premiums range from £1553 up to £1994, for fully comprehensive insurance. No, those figures are not misprints!
Last year I paid £585, which I thought was extortionate then, but we are now talking plus £1000 increase!
Ok, so I’m 86 years old, but have had a clean licence for the best part of 70 years, last accident (no blame) was in 2015, included are my daughter and son-in-law, also with clean licences and no accidents.
Are the insurance companies trying to wipe us oldies off the roads?
Perhaps someone of a similar age and history can tell me where they got their insurance?
Hi Guys, just an update to the above.
Last march I paid £687 plus in July a further £134 when I changed to my present Mk4 Advance.
Have just been on the Quotezone website to see what current rates are for my insurance, due end of March
Their cheapest quote was £2698!!!!!! even with upping the excess to £1000) :o :o
I say again, are they trying to wipe us oldies off the roads???
Having never had an accident in over 65 years that was my fault and my last claim was in 2015 (a rear end shunt by some woman on the school run) (protected NCD anyway) I can only conclude that my age is the problem.
I will be 87 just before the renewal date, still driving circa 8000 miles per year.
For me, driving is a passion and if I were to stop, then you might as well shoot me!!
Would there be any point in taking the Advanced Driving Test, as a means of getting the costs down? (I'm already a member of GEM)
I haven't received my renewal notice yet, but I have to say I'm not looking forward to it. >:( >:( >:(
If you have tried all the Comparison websites without success you should contact a specialist Insurance Broker who may well have contacts that can get you a better quote. There are several Brokers who deal with older people - just do a search on Google and see what comes up.What the hell is going on?
My insurance is not due for a few weeks but have just had insurance quotes from Money Supermarket for my Mk4 Jazz EX
Premiums range from £1553 up to £1994, for fully comprehensive insurance. No, those figures are not misprints!
Last year I paid £585, which I thought was extortionate then, but we are now talking plus £1000 increase!
Ok, so I’m 86 years old, but have had a clean licence for the best part of 70 years, last accident (no blame) was in 2015, included are my daughter and son-in-law, also with clean licences and no accidents.
Are the insurance companies trying to wipe us oldies off the roads?
Perhaps someone of a similar age and history can tell me where they got their insurance?
Hi Guys, just an update to the above.
Last march I paid £687 plus in July a further £134 when I changed to my present Mk4 Advance.
Have just been on the Quotezone website to see what current rates are for my insurance, due end of March
Their cheapest quote was £2698!!!!!! even with upping the excess to £1000) :o :o
I say again, are they trying to wipe us oldies off the roads???
Having never had an accident in over 65 years that was my fault and my last claim was in 2015 (a rear end shunt by some woman on the school run) (protected NCD anyway) I can only conclude that my age is the problem.
I will be 87 just before the renewal date, still driving circa 8000 miles per year.
For me, driving is a passion and if I were to stop, then you might as well shoot me!!
Would there be any point in taking the Advanced Driving Test, as a means of getting the costs down? (I'm already a member of GEM)
I haven't received my renewal notice yet, but I have to say I'm not looking forward to it. >:( >:( >:(
Just had my renewal from Tesco Car Insurance for my MK4. It's gone from £303 last year to £525 this year. I've done a bit of Meerkatting etc and it's the cheapest available so I'll stick with them.You don't need to, if your car is insured it's on their database and they can see in seconds. The ANPR system can also quickly alert them to cars that have no insurance
I was expecting worse - I've heard some real horror stories - but it's still north of a 60% increase.
Just by the by, I am an avid watcher of Motorway Cops, Police Interceptors etc. They often ask for evidence of insurance. Since I went paperless (mistake?) I wouldn't have the first idea how to show the boys in blue proof of insurance. As a minimum you would need your insurance number and one of many passwords to open up the email attachment.
Since I went paperless (mistake?) I wouldn't have the first idea how to show the boys in blue proof of insurance.
Paperless renewals let you print your own certificate and/or save it on your phone . But as these (and MOT's certificates )could easily be photoshopped and forged the police probably check on line. Even members of the public can check if a car is currently insured,MOT'd and Taxed. They might ask for proof if a driver insists they are insured when the computer says NO. Or to meet the expectations of TV viewers.
Just by the by, I am an avid watcher of Motorway Cops, Police Interceptors etc. They often ask for evidence of insurance. Since I went paperless (mistake?) I wouldn't have the first idea how to show the boys in blue proof of insurance. As a minimum you would need your insurance number and one of many passwords to open up the email attachment.
Just by the by, I am an avid watcher of Motorway Cops, Police Interceptors etc. They often ask for evidence of insurance. Since I went paperless (mistake?) I wouldn't have the first idea how to show the boys in blue proof of insurance. As a minimum you would need your insurance number and one of many passwords to open up the email attachment.
[
Hi Guys, just an update to the above.
Last march I paid £687 plus in July a further £134 when I changed to my present Mk4 Advance.
Have just been on the Quotezone website to see what current rates are for my insurance, due end of March
Their cheapest quote was £2698!!!!!! even with upping the excess to £1000) :o :o
I say again, are they trying to wipe us oldies off the roads???
Having never had an accident in over 65 years that was my fault and my last claim was in 2015 (a rear end shunt by some woman on the school run) (protected NCD anyway) I can only conclude that my age is the problem.
I will be 87 just before the renewal date, still driving circa 8000 miles per year.
For me, driving is a passion and if I were to stop, then you might as well shoot me!!
Would there be any point in taking the Advanced Driving Test, as a means of getting the costs down? (I'm already a member of GEM)
I haven't received my renewal notice yet, but I have to say I'm not looking forward to it. >:( >:( >:(
I passed the IAM test in 1979 in my 20's. It didnt bring the hoped for reduction in insurance at the time . One or two offered a small discount but I still found cheaper elsewhere - I did some comparison searches yesterday and I think the meerkats asked if I had passed the IAM test. So maybe some companies do still offer some advantage.. I said yes but I dont know if it helped. If you can pass the test at 86 it should certainly be rewarded,but I wouldnt hold your breath. ;D
Would there be any point in taking the Advanced Driving Test, as a means of getting the costs down? (I'm already a member of GEM)
I haven't received my renewal notice yet, but I have to say I'm not looking forward to it. >:( >:( >:(
BTW in the end I renewed with my existing insurer. I could have saved a few quid on some quotes but the policies were pared down to 'essentials' and the level of continental cover was inadequate for my needs.
Checked this morning with the Meerkats, the cheapest quote was £1833 with RAC, but still almost 3 times what I paid last year. The only difference is I'm 1 year older and the Reg No on the car has changed (though still the same model)
Someone suggested going via a broker, might be a good idea, there are a couple locally and maybe a face to face contact might be better.
The insurance is not due until the end of March, so there is still time for some sanity to return! :-X
Hi,
here's a cost comparison from New Zealand
Our 2021 Honda Jazz hybrid (I think it is equivalent to the UK jazz model that is almost the top model) cost the sum of GBP 400 in November 2023 to insure for 12 months.
The cost of insurance was driven up by some unexpected severe floods in Jan/Feb 2023 that took out a large number of cars (NZ is a risky place for re-insurers due to earthquakes and severe weather events).
Paul
Not so many years ago, older drivers were considered to be the safest, what has changed? As I said in a previous post, I have been driving nearly 70 years, without an accident that was my fault, last claim 2015 (rear end shunt) protected NCB.A good question for which I have some possible answers:
Just got my insurance renewal quote from LV for HONDA JAZZ EX I-MMD E-HEV AUTO, Comprehensive cover, 9 years No Claim Discount. QUOTE = £684.77 Last year was £553.58 but that was for a 2006 Mazda 3. Anyway that is a 23.7% increase :o. Will check for better deals elsewhere but not hopeful. You get what you pay for and LV get good reviews from Which? etc.