Paid £350 to insure my 200 last year, renewal notice from eSure was £730...
Did some shopping around and applied a few tricks and got it down to £186, which I'm pretty happy with!
I'm 34, driving 15 years, 10yrs NCB, clean licence, no accidents and car is standard (with optional extras), garaged, 4000 miles per year, LL11 postcode.
Rather than just gloat I thought I'd be helpful so here are some tips which may help you out:
1. Add a more experienced driver as a named driver.
Last year mine went from £420 to £350 by adding my Mum. That's with eSure. With my previous insurer - Hastings, it made no difference. Note that this is adding them on with you still as the policyholder, not the illegal practice of you being named with them as the policyholder.
My brother's went down from £707 to £578 by adding both his girlfriend and myself on it, yet with another insurer adding one driver on (either me or her) took it down by £100, but adding both raised it up by £200.
You want to be adding someone who's a lower risk, so your mother or even just somebody you know, they'll never be driving the car so it doesn't really matter.
2. Bump your excess up to the maximum, if you can
If your can afford to pay out a high excess, or maybe just the gambling type, then bumping your excess up to the max can save on the policy. Excess being something you only might have to pay, rather than the premium being something you definitely will have to.
There may be a certain point where it's not worth it. Increasing mine from £450 to £1000 only nudged the premium up by £10, so not worth the risk. In previous years though, I've changed it from £250 to £1000 and saved hundreds.
3. Use a comparison site, but don't buy through them...
Find out who's the cheapest company, but don't click through on there, because you can save a fair chunk by doing the next thing...
4. Use use a cashback link
Once you know who's cheapest, go through Quidco (or another cashback site) and locate that company and use the Quidco link. I got £45 cashback through Quidco from Quotemehappy.com, which takes me down to £186 for this year.
I work for a comparison site so I'm fairly clued up on insurance, but I'm not trying to sell you anything so won't be as biased as perhaps some experts from insurers or brokers may be!
Another bonus is employees get £50 for submitting renewal information for the company to use as research, so that's another £50 off, making the total £136!
Did some shopping around and applied a few tricks and got it down to £186, which I'm pretty happy with!
I'm 34, driving 15 years, 10yrs NCB, clean licence, no accidents and car is standard (with optional extras), garaged, 4000 miles per year, LL11 postcode.
Rather than just gloat I thought I'd be helpful so here are some tips which may help you out:
1. Add a more experienced driver as a named driver.
Last year mine went from £420 to £350 by adding my Mum. That's with eSure. With my previous insurer - Hastings, it made no difference. Note that this is adding them on with you still as the policyholder, not the illegal practice of you being named with them as the policyholder.
My brother's went down from £707 to £578 by adding both his girlfriend and myself on it, yet with another insurer adding one driver on (either me or her) took it down by £100, but adding both raised it up by £200.
You want to be adding someone who's a lower risk, so your mother or even just somebody you know, they'll never be driving the car so it doesn't really matter.
2. Bump your excess up to the maximum, if you can
If your can afford to pay out a high excess, or maybe just the gambling type, then bumping your excess up to the max can save on the policy. Excess being something you only might have to pay, rather than the premium being something you definitely will have to.
There may be a certain point where it's not worth it. Increasing mine from £450 to £1000 only nudged the premium up by £10, so not worth the risk. In previous years though, I've changed it from £250 to £1000 and saved hundreds.
3. Use a comparison site, but don't buy through them...
Find out who's the cheapest company, but don't click through on there, because you can save a fair chunk by doing the next thing...
4. Use use a cashback link
Once you know who's cheapest, go through Quidco (or another cashback site) and locate that company and use the Quidco link. I got £45 cashback through Quidco from Quotemehappy.com, which takes me down to £186 for this year.
I work for a comparison site so I'm fairly clued up on insurance, but I'm not trying to sell you anything so won't be as biased as perhaps some experts from insurers or brokers may be!
Another bonus is employees get £50 for submitting renewal information for the company to use as research, so that's another £50 off, making the total £136!
