The last few years i've seen my insurance come down but my excess go up.
£650 seems to be the standard at the moment. Has anyone else had this?
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22-03-12, 07:31 AM
The last few years i've seen my insurance come down but my excess go up.
£650 seems to be the standard at the moment. Has anyone else had this?
22-03-12, 07:47 AM
You have a hight excess!!!! My insurance and excess has stayed about the same over the last few years.
22-03-12, 07:56 AM
Mine has dropped every year, I'm now at £150 compulsary for mine.
22-03-12, 08:26 AM
mine's gone up over the last few years, but I don't know whether that's because I've gone from an £800 bike to a £5500 one, or whether it's the general insurance industry. Comments here suggest the former!
22-03-12, 08:30 AM
I suspect it's because insurers want to provide the cheapest quote to get the business as many people will simply choose the cheapest quote.
Often the only way to acheive this is to cut back somewhere.
So be aware, cheapest is not always best.
Other issues could be expensive phone numbers, expensive charges, reduced cover (e.g. removal of driving/riding other vehicles), charges for using a different garage, use of reconditioned parts etc.
Cheapest is not always best and you need to be dilligent about what you are purchasing.
22-03-12, 08:48 AM
If you are shopping online try a few values for your compulsary excess as you might find your premium doesn't change as you move the excess down or at least only go up a bit. I do it for car, bike and house insurance. Also make sure your don't overstate your annual mileage as this will affect premiums. Sometimes your can change your mileage without affecting premiums. My car it didn't make a difference whether I put 6k or 10k miles into the calculator
22-03-12, 09:35 AM
my renewal has come through this week and i noticed the £700 excess (was £250) - a quick look on a comparison site and i found a cheaper renewal with half the excess
22-03-12, 10:12 AM
3 endorsements on my license, and last year it was £140 fully comp for the 9r, £250 excess. This year, £360 with the endorsements and a non fault claim, on the 929, and a £450 excess, i tested it without the non-fault claim, and it was £180, £250 excess, sheeting hell.
22-03-12, 10:35 AM
Have you thought about claiming back the increased premium from the liable party?
22-03-12, 12:30 PM
At me?Originally Posted by Ducatista
According to my solicitors, a non fault should not affect my insurance, they reckon this is not claimable, which is obviously b*ll*cks.
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