Car insurance renewal quote

Yes, we were new customers this year, we are new customers almost every year!   We expected  it to go up, just not that much.  We always get new quotes.

This last year we also added our daughter as a driver and that actually lowered the premium slightly.

Postcode....yes maybe, though we have not heard of anything  untoward.  It is a fairly quiet and mainly upmarket area, lots of Volvos, Range Rovers, Audis, BMWs and  Mercs, ours is a VW Touareg, 2 1/2 years old.

OH reckons it is my age that is making it expensive as even the best quote is only £90 odd less on a like for like basis.  Over the hill at 76 it seems.   

Most insurers, Kj, will not have age brackets that change from 75 to 76. They tend to jump in groups, ie over 70 but below 80 etc. (Note the word MOST).

Oh......so possibly down to OH just recently turning 70!

Best not mention that to her!!

I think Martin Lewis said 22 days from renewal date was the optimum time & I recall something being said that for some reason a Tuesday was the best day of the week to renew. 

When I turned 70 car insurance went up a couple of quid,(and that included informing them that I had the car re chipped)  when 71 went down £12. Judging by my experience I've no idea if the age one is relevant or not. I think perhaps post code and miles driven a year probably has a greater effect 

In the 2 years we have owned the car we have driven just under 14000 miles, so we are getting quotes for 8000 per year.  Previously  we had cover for 10000 miles but rarely came anywhere near that so thought we would go lower.  We do have a second car, a Smart, that is insured for 5000 per year.

Just tried Churchill......expensive!

And Hastings Direct.....they refused to quote!

K we are with LV 

Yes, LV seem best so far, but still about a 70% increase over what we paid this year.  We have been with them before, a couple of times I think, and we just insured the house with them.

We are almost out of options having tried 4 different comparison sites plus Aviva, Direct Line, Saga, Churchill, Hastings, Admiral, CAMC, though not CCC yet.

OH spoke with NFU, who have a local office here, and there is a glimmer of hope there, possibly a little less than LV but they are e mailing the details for us to study.  

Quite a big difference in some quotes if we take a higher voluntary excess, so that may be an option, we will need to be sure we are considering the quotes on an equal footing.

One advantage with NFU is they offer monthly payments with no extra charge, we usually pay annually, so if the quote is comparable, that will help to spread the pain!

Any suggestions for other companies to get a quote from gratefully received.

Have you tried RAC?