They want to charge me a 35 pound admin fee just to change my home address on the system. The actual update itself is done through an automated portal form that takes about two minutes to fill out. I get that some companies probably have compliance checks or manual reviews involved, but 35 quid for an address change still feels ridiculous
Alright fellas, I will be moving from lincoln to brum in a month’s time. My current insurance costed me roughly 744£ for the whole year (Insured through go skippy for my Vx astra 2016). I was trying to change my address on the insurance policy. The moment i changed my address on the policy , the insurance company has given me a quote of 600 pounds to make the change of address on my policy. What am i doing wrong , is insuring for a birmingham address that expensive ?
I am moving to an area near five ways ( Bath row ). Any tips or advice would be appreciated.
Im a new driver based in northern ireland and Im looking to insure an import car (2005 accord) for 1hour just to take it home from a garage, I could only find goshortly for £72.95, any suggestions for a cheaper one? Thanks in advance.
Looking at getting some subtle aftermarket alloy wheels and lowering springs for my hatchback. A mate told me not to bother declaring them because the insurers will never notice unless the car is completely wrapped around a tree. Is it worth the risk of having a total loss claim invalidated over something purely cosmetic?
I was in a car accident last week, non fault, and my car was written off. Because of the optional extra winter pack it went to an independent valuation engineer. They've just called me and my jaw dropped at the low amount! Ive scoured autotrader and cant find a single one, regardless or condition and mileage for less that 5300 with the winter pack but they've only offered me 3,700. The insurance have said they have to pay that out because it's from the independent person and then raise a valuation complaint separately that could lead to further pay out. Has anyone done this successfully and uplifted their pay out amount?
It appears to me that the insurance business seems to want it cake and eat it as well
I insure 4 vehicles, I have to declare NCB on each vehicle separately, I can't use the same NCB on more than one vehicle. BUT, should I make a claim on one vehicle my NCB is affected on all policies.
Is this fair?
My wife hit a post in the supermarket car park. No other cars involved. We need to claim as the passenger door is badly damaged. The thing is she has full no claims but I don’t as I didn’t have a car for a while. Would that raise our premium a lot more if she lost her no claims rather than if I did (I think I just have one year NCB)? Would they investigate who was driving at the time?
I have a 2019 Vauxhall Mokka. Last week, the engine started overheating. The water tank wasn’t holding water either. I took it to a mechanic who changed the water pump and thermostat, however the issue is much deeper in the engine and will cost thousands without the guarantee of being fixed. I can’t currently afford these repairs, and there isn’t any guarantee that the car will be fixed after paying all that money. Is there any way I can make a claim through my insurance? I am with Hastings Premier.
I still have 3 years to go on my HP contract with Arnold Clark. I feel physically sick with anxiety over this and would appreciate any advice. Thank you
My insurance got put down from £1500 a year to £580 a year with no black box after one year of driving.
However, my partner has been driving for 4 years now and his renewal is looking at £600-700 still, with a black box.
Main difference between us is his black box scores annually averages around 50-60, mine was 81 before policy finished. Both of us are with Hastings YouDrive (with me picking to stay with them due to the price and having a brilliant experience with them), and my partner potentially staying depending on his renewal quote with them.
But the reason I ask my above question is, they still want him on a black box, but why? 60 still seems like a fair score and he's been driving 4 years, by now I would've expected him to be off the black box even with a different provider.
The main differences between us are his car is a lower insurance group (6 Vs 8) and he has one less named driver (his dad has 9 points). Same age, same address.
What could be going on here?
Long story short:
While dealing with the hit-and-run, the cycling incident resurfaced.
Now I’m unsure about this:
Do I need to declare the cycling accident to my car insurer?
Solicitor A: “No, you weren’t driving.”
Insurer: “Yes, declare it + premium goes up (£600+).”
Spending a lot of time on this lately—just trying to understand what’s actually required.
### Additional info after the initial post ###
Additional info:
Initially picked insurer A but couldn’t complete payment. Turns out their system flagged an undeclared cycling accident and the quote went up by ~£1000.
I tried explaining it was a cycling incident, but they said it was already on record and the premium stands.
Ended up giving up and going with the current insurer B.
### Clarification from the current insurer B###
"This claim will need to be added to your policy. Even though this happened while you were cycling and before you owned a car, we still need to include any accidents or incidents from the last 5 years when setting up or reviewing your car insurance. This helps make sure your cover details are correct and avoids any issues later on."
" Since you did not declare this claim previously, this is something that would have to be updated on your policy in 7 days to keep your policy active until your expiry date. Any errors on a policy can lead to it being cancelled or treated as if it never existed. It can also lead to claims being rejected or not paid out in full. When a claim is added to the policy, we need to recalculate your price based on the level of risk linked to this claim. "
Unfortunately once you ask, the insurer knows and you have no other option.
### Why this cycling incident resurfaced ###
First time I’ve really tried to understand what actually counts as a “claim” and what happens if you don’t declare something relevant. Turns out the consequences can be pretty serious — even policy cancellation.
Asked my instructor, wasn’t sure either, so was basically told “ask the insurer.”
ChatGPT says it should be declared.
Still feels like a grey area depending on who you ask.
### The question that an insurer asks you ###
"Have you had any motor accidents, claims or losses in the last five years?
This is regardless of who/what was at fault or if a claim was made or not. If you don’t tell your insurer about previous accidents, claims or losses, your car insurance may not pay out if you make a claim"
So it seems in my case it counts as a claim—I was involved in a cycling incident where I am seeking compensation (via solicitor A) from the driver’s insurance.
### Update on hit-and-run
Askmid shows the hit-and-run car is no longer insured; Solicitor B confirmed that on the day of the incident, it was insured.
So I was involved in an accident with a van my insurer is saying its a split liability currently as he was pulling into the junction as I pulled out so it was low speed I have done no damage to my car but the van had a dent in the front which the driver said has caused the fan to hit his radiator even though theres no sign of leaking fluids.
I basically told my insurer within 30 mins of it happening its now been 2 weeks and they havent heard anything from their insurer about a possible claim even though the van driver has had a rental van for 13 days and there van has been taken to a garage within 3 days of it happening.
Is it possible they havent even let there insurer know and repairing it themselves as the van is 21 years old and will probably be a write off if they go through insurers.
My insurers basically said there is no timeline to when they have to respond by but surely if its a 50/50 split then both insurers have to agree before they can fix the vehicle?
I own an Audi TT and my policy is due to renew on the 7th June. I was paying £180 a month and I was happy with that. Now looking at renewing, the price has jumped to £300 a month without a black box for everywhere. Why is this and whay can I do about it? Im not paying that much extra and its now £150 with a black box. Im 20 with 2 years no claims benefit. Hard pill to swallow when what i was paying for without a black box is now 30 less for a black box.
Hi all, so I insured my motorcycle in april with KGM insurance via one protect
I used compare the market as a compare app and entered my modifications (exhaust brakes suspension)
I had an accident yesterday and have no realised the mods list didnt carry over from compare the market to one protect's website
how bad is this going to end up? am I going to get voided insurance and points or something worse?
I cant even ask them because they close at 5pm when I finish work
any advise or similar situations would be great to hear the outcome, thanks
So im unsure so thought id ask.
Iv recently started a new job for the NHS and it has me driving to 2 different sites, ie 3 days il be at one site, then the 4th day il be working at another site.
Would normal insurance be ok or would I need business insurance?
I wasn’t sure if I hit a car but I have 100% hit a curb. The suspected car did not stop/followed me/horn. I didn’t want to be deemed as hit and run so I made a police report even though I was 70% sure I did not hit it. (I’m very anxious driving atm since I was recently involved in an accident). There was no damage to my car - no dents no scruffs no scratch marks no paint transfer on the side where I would have made contact with the car. But I have a lot of what ifs in my head so I filed the police report. Now I’ve got a police reference/log number, do I have to tell my insurance about this?
Hi , I have accepted the settlement money and bought the car back , it was a cat s write off , insurance have emailed me and stated that to carry on with the insurance I have to get a fresh mot done my car is in a secure garage off public road getting fixed and to make matters more complicated the insurance finishes on Thursday I don't intend to buy insurance from them anyway as the price has doubled, also mentioned in the email was that I have to register the car with dvla again ? This is the first time I have claimed and don't know what to do in what order ? Do I buy insurance and then get the new mot ? What about dvla , I have seen on some forums where they mentioned that when I sell the car eventually and transfer the log books the new log books will mention the cat s and you don't have to do anything regarding dvla at the moment
Hello everybody,
I am currently in New Zealand and will be returning to the UK in September. I've got a car here and have been toying with the idea of bringing it back with me, but am unsure if it will be incredibly expensive to insure due to it then being an imported vehicle.
The car is a 1991 Nissan Safari GQ TD42
The reason I would bring it back with me is that they are quite rare in the UK and are either expensive or not in very good condition when they do come up for sale. I bought the car for roughly £5.7k, which would be a very good price in the UK.
I am 21 and have been driving since I was 17, but I realise I will still be considered a new driver.
Let me know what you guys think and if anyone has had a similar experience.
Thanks
I will be driving my UK car to an European country, roughly a 3 day drive. I am British and UK resident. My dad is an European national and wants to come and help me with the drive, but I am unable to add him to my insurance since he is not a resident. Could anyone suggest an insurance company that would sell this kind of temporary insurance? Thanks!
For context the car is a 2008 VW Golf 1.9 litre
I passed my test this year (21/22 female When we renew)
My partner who will be the policy holder is 23 and had had is license for about 4 years now and has only had one accident to which he was at fault this year
-
He’s joining the police force in July too so it has put the mileage up compare to our old car we had (Ford KA Mk2) when I was just learning and it and we used the car for shopping and the gym
I’ll be in my final year of university and I do work we both live with his family
Quotes from admiral who we are with now was about £1700 and that’s without a black box :)
Just wanted to hear thoughts maybe if I should shop around or something?