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[Olympia5776]

Utterly outrageous ........
An open book review & overhaul of the Motor Insurance Industry is long ,long overdue , their wastage and non existant cost control is legendary.
I can only wish you good luck in your search for an acceptable premium .

[MaxV6]

that's mental.....  my 18 year old daughter has a 1.6 astra Mk4 ,  NO NCD at all,   only had a license 5 months (at the start of policy in January)   and she's only paying £1400

[sticka_v8_init]

Bloody Hell, look at the Excess costs as well

With an £850 (cost of a replacement car) excess for fully comp with no windscreen cover i can't see the point. Surely 3rd party only is better 

[Lazydocker]

Bloody Hell, look at the Excess costs as well

With an £850 (cost of a replacement car) excess for fully comp with no windscreen cover i can't see the point. Surely 3rd party only is better 

But that may well make no difference in the premium

[tgm147]

Bloody Hell, look at the Excess costs as well

With an £850 (cost of a replacement car) excess for fully comp with no windscreen cover i can't see the point. Surely 3rd party only is better 

But that may well make no difference in the premium

You'd be right. It knocked £85 off the Aviva premium.

[jyr001]

Blimey that's got to be wrong surely. It's no wonder there are so many people that simply flought the law nowadays and don't bother insuring at all. Not that I condone it, I've always paid my dues and would happily dob anyone in that I knew was avoiding insurance (or road tax). I suppose the insurance compnaies are basically saying "go away, we don't want the business" but how they can justify such a large premium baffles me, it must be three times the value of the car.

[aaronjb]

Bloody Hell, look at the Excess costs as well

With an £850 (cost of a replacement car) excess for fully comp with no windscreen cover i can't see the point. Surely 3rd party only is better 

But that may well make no difference in the premium

Heck, sometimes 3rd party is more expensive than FC!

[Olympia5776]

Blimey that's got to be wrong surely. It's no wonder there are so many people that simply flought the law nowadays and don't bother insuring at all. Not that I condone it, I've always paid my dues and would happily dob anyone in that I knew was avoiding insurance (or road tax). I suppose the insurance compnaies are basically saying "go away, we don't want the business" but how they can justify such a large premium baffles me, it must be three times the value of the car.

My interpretation of the situation is that motor insurance is a requirement of law and quite rightly policed accordingly. If you don't elect to purchase insurance then you will be caught ,fined and your license penalised , all very conveniently at the cost of the taxpayer .
The cost of administration and operation of the whole Insurance business is almost out of control with third party lawyers(4 U ) chasing the companies for every real or imaginary injury irrespective how small coupled with make believe repair costs done by garages in bed with the companies and parasite vehicle loan hirers who charge obscene rates for the dumb policy holder to boast to his friends and family that he got a new exectutive car loaned to him whilst his mediocre car was being repaired.
Now just sit and think about it , is the Insurance company and more importantly the underwriters going to sit back and say " OK we'll take the hit whilst the others in the loop grow rich " ? WillTF, they'll ensure that their profit is maintained and allow the other pigs in the trough to carry on by simply increasing the premiums to cover it all , remember it is a legal requirement so YOU WILL have to buy insurance .
All in all a nice little earner all round ................ except for you and I.
As I said elsewhere  the time has come for a Government Enquiry into the whole debacle , for instance in some European countries the injury of whiplash is not recognised and therefore not applicable in vehicle accidents under 15mph. How much would that save ?
Why do you need a brand new loan vehicle that is vastly superior in size and spec to your damaged one ? FFS when I started driving I'd have been delighted to have been given any car to allow me to get to work , by all means offer that luxury but offer a low cost option too.