r/CarInsuranceUK

My boyfriend and I always had our own cars but have decided to now just have one between us. I have 10+ year NCD, my boyfriend has 10+ years too. Neither of us want to lose our NCD in case we do decide to go back to two cars again/split up etc.

Can we both have our own insurance policies on one car or will one of us have to be a named driver and lose our NCD?

My daughter passed her test in June. She took out black box insurance with QMH connect. Everything has been fine whilst she was at home driving the car around. Last month she started at uni 170 miles away. Since she started QMH have emailed her twice saying that the car is making journeys without her phone on, or in the car. This is blatantly untrue as the car has been sat on the drive outside our house and hasn’t moved an inch. We haven’t even opened a door for nearly 3 weeks. She is 170 miles away. She obviously needs the insurance for theft cover while at uni and she will be coming home for the odd weekend and holidays, during which she will drive the car.

We’ve messaged them today stating she is away and nobody has touched the car. How could they be registering the car moving if she is 170 miles from it?

hey, so a few months ago my brother got into an accident and i was in the car as a passenger. I didn’t think anything of it since I wasn’t behind the wheel. Now I’ve started getting letters saying I owe money and that ignoring it could mess with my license or something. I’m kinda confused because the car wasn’t mine, I wasn’t driving, and I wasn’t involved with the insurance policy. My dad is apparently getting similar notices too. Is this just part of the normal process after an accident, or are they somehow trying to make me responsible for it?

Hi all, just thought I'd vent about my awful experience with GoSkippy Insurance regarding their price increases and also warn others who may go with them.

My car insurance renews on 27/10/2026, and here's what happened:

2 Days Ago: I logged onto GoSkippy's site and pulled up a quote for my renewal. It came out to £1,545, and I took a screenshot of the quote plus the quote reference number. I contacted GoSkippy's customer service regarding the quote. They said that all looked good and that I simply needed to wait for their renewal invite email to come through in a couple of days, I said okay, we are still in the 26-21 window so that should be fine

Today, I received their renewal invite email, but to my shock, the quote in the email had gone up to £1,970! This is an increase of £425 in 48 hours, same driver, same car and same coverage!

Then they have the nerve to call me couple of hours after, saying that I didn't reply for the renewal! I told the agent the story and how the situation is an absolute mockery and highly unprofessional, he replied that he can offer a discount, then kept me on the phone for couple of minutes "okay sir, we can offer you 50-pound discount" I thanked him and went for another company.

Has anyone experienced a similar issue with GoSkippy or alternate brokers prior to a policy renewal date? Any suggestions on how to deal with formal complaints against them? is this kind of price manipulation legal?!

Question about annual mileage changing during an insurance policy
I’m looking for some advice on how annual mileage works with car insurance in the UK.
When I took out my current insurance policy, I was a student and estimated that I would do around 7,000 miles over the year. Since then, my circumstances have changed and I’ve started a new job, meaning I’m now driving considerably more.
Based on my current mileage and the amount I’m driving, I’m expecting to do around 14,000 miles by the time my current insurance policy comes up for renewal.
My question is: do I need to contact my insurer now and change the estimated annual mileage on my policy, or is the 7,000-mile figure simply an estimate that gets checked at renewal?
I’m also wondering how insurers actually verify the mileage. My car had an MOT about six months before I bought it, so presumably the mileage is recorded on the MOT history. Would the insurer be able to compare that with the mileage at my next MOT/renewal and see that I’ve done more miles than originally estimated?
There was obviously no intention to give an inaccurate figure when I took the policy out — my circumstances genuinely changed after starting a new job.
Would you guys recommend updating the policy now, or just declaring the correct mileage when I renew?
Thanks!

ive read up about it and i see so many reviews saying its a scam and this and that, its the lowest quote ive got by 1k and wondering what to do.