its heading that way Vicki!
Its really frustrating! I took the insurance claim off - that knocked the insurance down by £40.... I took the mod's off and I started getting lower quotes, but still only about £400! It just seems that the word modify is the killer. Even adding rear parking sensors, a £20 mod to stop me smashing the back end in and that on its own seems to stop any replied from some insurers!
I find it crazy!
The fact is though I have 5 years NCB, currently protected. live in a not particularly high crime area, but it is the lower end of the area rather than the upper end.
I think half the issue is the fact that the car is parked on the roadside? the mileage is the big killer though, I estimate my annual mileage around 9000, as to whether or not I do that I dont know... I may do more, but I really dont know!
I cant wait till renewal next year, then there will be no accident at all, save me an extra £40. I just want to know - what do you have to do to get your insurance down to £300 or less! short of having tracker installed, garage door activated machine gun and the immobilizer wired to a bomb as deterrents, what are you supposed to do? insurance is becoming more of a pizz-take by the day. Flash for cash and the likes are not in any way helping, but dashcams are assisting in reducing the successful claims, but it still costs. If you average that every driver on the road has a policy of say £600 - and there are 27 million motorists in the uk, that means that the insurance sector is taking in at least £16,200,000,000 (16.2 billion is that?) and yet, our prices continue to go up!
I just fail to see how we can make more than £16.2 billion worth of claims as a country, I would estimate given that accident rates affect around 35-45% of drivers a year, that they can only be paying out around £8-10 billion a year on average?
Thankfully this morning I received a callback from Adrian Flux who are going to call me later to discuss, seems they have got me a quote for £400 on the dot for my car with mods! (I hope!)