Car Insurance

[Scottyboi]

Always been told 26/28 days,I'll have a check before I'm due again.

Yep that's around the best time frame to get your quotes.

 

[supercity88]

My autorenewal quote was 60% more this time around. Managed to switch it for about 10% more which is still a pisstake.

I feel like this autorenewal approach needs regulating. It means there's no reward for loyalty because from a business perspective they can rely on people being too lazy to switch, or missing their emails and just rinse them of extra cash instead.

 

[jimharri]

My autorenewal quote was 60% more this time around. Managed to switch it for about 10% more which is still a pisstake.

I feel like this autorenewal approach needs regulating. It means there's no reward for loyalty because from a business perspective they can rely on people being too lazy to switch, or missing their emails and just rinse them of extra cash instead.

There's no auto renewal option on my policy. I just get an email 28 days before the policy is due to expire, inviting me to renew. Which I invariably do, as getting quotes from other places online is a waste of time. Some of them are over twice what I'm paying with my present broker.

 

[supercity88]

There's no auto renewal option on my policy. I just get an email 28 days before the policy is due to expire, inviting me to renew. Which I invariably do, as getting quotes from other places online is a waste of time. Some of them are over twice what I'm paying with my present broker.

I've only ever seen policies with an auto renew option unless I'm missing something. Either way I'm usually on top of it and my renewal price is shocking and another provider always offers a much better deal.

 

[Johnny Mars Bar]

£1400 is the lowest I've been quoted for a 2016 Evoque - I'm 76

I'm paying £700 on a Freelander 2. It's outrageous.

Land Rover insurance is mental at the moment, caused by a load of hysteria on security vulnerabilities on brand new models.

Insurance companies are using it as an excuse to rip off everyone else.

 

[Johnny Mars Bar]

WHAT????? I get that it's a very nice car, and that replacement parts for it (in the event of a prang) will probably be pricey, as would labour in an official RR dealer. But that's horrendous jc. Not being (overly) nosey, but what's your driving history? Have you had a few claims down the years? I had a write off in 2010,but I had NCB protection, and the premium barely moved at renewal time. I'm driving a 2021 Tucson now; ordinary diesel, no electric.

*edit* I see you've already answered the question re your driving history.

A 2016 Evoque isn't even a particularly expensive car to own or maintain. You can pick one up for 10-15k and they share a lot of parts with the Discovery Sport, as did the previous generation with the Freelander 2. JLR share a lot of parts across model lines. Insurance companies are ripping Land Rover owners off left right and centre at the moment, it needs regulation.

 

[Scottyboi]

A 2016 Evoque isn't even a particularly expensive car to own or maintain. You can pick one up for 10-15k and they share a lot of parts with the Discovery Sport, as did the previous generation with the Freelander 2. JLR share a lot of parts across model lines. Insurance companies are ripping Land Rover owners off left right and centre at the moment, it needs regulation.

Does reliability factor into the quote at all, as recent range rovers haven't been the best for that. Like you say the new models are ridiculously high to insure due to them getting pinched for fun.

 

[PPT]

£1400 is the lowest I've been quoted for a 2016 Evoque - I'm 76

Try Tesco Insurance.
I paid £680 for my insurance on a 2020 Evoque last year.
Went on the Tesco site yesterday and they are quoting £540
for their 'gold' cover, which is way above what I currently have.
I'm definitely renewing with Tesco next month.

 

[Johnny Mars Bar]

Does reliability factor into the quote at all, as recent range rovers haven't been the best for that. Like you say the new models are ridiculously high to insure due to them getting pinched for fun.

The Land Rover reliability joke is mostly a load of old nonsense trotted out by people who've never owned one. File in the same bracket as BMW drivers never using indicators. They're no more or less reliable than any other complicated vehicle. The more features a car has, the more there is to go wrong and the same is true of any model.

Modern Land Rover / Range Rover models have loads of electronics, complex 4x4 systems, air suspension, computers, etc etc. That's a lot of stuff to potentially break further down the line yes, but you could say the same of a Mercedes, BMW, Volvo, etc etc.

The Evoques are pretty simple vehicles in comparison to the bigger Range Rover models and the new Defender for example.

The only other thing is Range Rovers are a bit of a status symbol and a lot of people buy them but then don't bother to have them serviced properly, so the next person down the line gets stuck for a massive bill.

It's not the car's fault, it's the dickhead who owned it before and put off a load of preventative maintenance. Buy the right one, look after it properly and it'll be your best friend.

A rule of thumb is to not buy one that looks like it's fresh from the set of Top Boy. If the seller is an old fella with a National Trust sticker in the window, you're probably golden.

As you might be able to tell I am a Land Rover fan.

 

[Scottyboi]

The Land Rover reliability joke is mostly a load of old nonsense trotted out by people who've never owned one. File in the same bracket as BMW drivers never using indicators. They're no more or less reliable than any other complicated vehicle. The more features a car has, the more there is to go wrong and the same is true of any model.

Modern Land Rover / Range Rover models have loads of electronics, complex 4x4 systems, air suspension, computers, etc etc. That's a lot of stuff to potentially break further down the line yes, but you could say the same of a Mercedes, BMW, Volvo, etc etc.

The Evoques are pretty simple vehicles in comparison to the bigger Range Rover models and the new Defender for example.

The only other thing is Range Rovers are a bit of a status symbol and a lot of people buy them but then don't bother to have them serviced properly, so the next person down the line gets stuck for a massive bill.

It's not the car's fault, it's the dickhead who owned it before and put off a load of preventative maintenance. Buy the right one, look after it properly and it'll be your best friend.

As you might be able to tell I am a Land Rover fan.

The Land Rover reliability joke is mostly a load of old nonsense trotted out by people who've never owned one. File in the same bracket as BMW drivers never using indicators. They're no more or less reliable than any other complicated vehicle. The more features a car has, the more there is to go wrong and the same is true of any model.

Modern Land Rover / Range Rover models have loads of electronics, complex 4x4 systems, air suspension, computers, etc etc. That's a lot of stuff to potentially break further down the line yes, but you could say the same of a Mercedes, BMW, Volvo, etc etc.

The Evoques are pretty simple vehicles in comparison to the bigger Range Rover models and the new Defender for example.

The only other thing is Range Rovers are a bit of a status symbol and a lot of people buy them but then don't bother to have them serviced properly, so the next person down the line gets stuck for a massive bill.

It's not the car's fault, it's the dickhead who owned it before and put off a load of preventative maintenance. Buy the right one, look after it properly and it'll be your best friend.

A rule of thumb is to not buy one that looks like it's fresh from the set of Top Boy. If the seller is an old fella with a National Trust sticker in the window, you're probably golden.

As you might be able to tell I am a Land Rover fan.

I dunno the evoque isn't the best for reliability tbf, finished 30th out of 34 family SUVs surveyed and LR as a brand came in 28th out of 32 for manufacturing.

Like you say though, evoques are being driven by women doing school runs with diesel engines and probably never letting the engine clear the dpf on a good run. A girl near me uses one for the school run it sounds like a bag of shit when it goes past, bet it's never seen a service or 70mph in its life.

 

[Johnny Mars Bar]

I dunno the evoque isn't the best for reliability tbf, finished 30th out of 34 family SUVs surveyed and LR as a brand came in 28th out of 32 for manufacturing.

Like you say though, evoques are being driven by women doing school runs with diesel engines and probably never letting the engine clear the dpf on a good run. A girl near me uses one for the school run it sounds like a bag of shit when it goes past, bet it's never seen a service or 70mph in its life.

Exactly, mum's doing 5 mile school runs on supermarket diesel, serviced once every 5 years by Bill & Bob's Back Street Discount Garage Ltd and then moan about reliability when their DPF and EGR valves shit the bed. It's not the car's fault, it's the idiot behind the wheel 90% of the time.

They'll fit odd matching shite tyres on 4wd vehicles then moan when the Halex or rear diff cacks it as well.

Can spot abused cars from a mile off.

 

[Alan Harper's Tash]

Try Tesco Insurance.
I paid £680 for my insurance on a 2020 Evoque last year.
Went on the Tesco site yesterday and they are quoting £540
for their 'gold' cover, which is way above what I currently have.
I'm definitely renewing with Tesco next month.

Tesco gave me my lowest quote too. Even better if you have a club card.

 

[diegoalv]

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[bluethrunthru]

Not sure why this would be so. I am pretty sure my 13 year old Dacia is as easy as a MK3 Cortina to nick

 

[Two Gun Bob]

Exactly, mum's doing 5 mile school runs on supermarket diesel, serviced once every 5 years by Bill & Bob's Back Street Discount Garage Ltd and then moan about reliability when their DPF and EGR valves shit the bed. It's not the car's fault, it's the idiot behind the wheel 90% of the time.

To be fair it's the original fitting of the DPF's and the fault of the car industry by selling them in this fashion without a sniff of an advisory. A while ago no one knew you had to baby sit the filters by taking the car out for regular spins to regenerate, or not using diesels for stop start journeys, which as we now know are disastrous for the DPF.

My VW Passat's DPF bit the dust at 115k and was serviced beyond the mark as it was used as a Taxi from new. Not only a full regular service but a 3 month intermediate oil change too. Whatever it wanted it got as it was my livelihood. New DPF would have been £1800 so fooked it off on a PX and lesson well and truly learnt.

Now at peace in the retirement fields, I drive a direct injection, taking it for spins twice weekly down the motorway and only put E5 fuel in to protect the injectors from eventually carbening up. This I know through research, but the Diesel particulate filters were not advised upon until it was too late. Bag o' shite mechanism and not the fault of the end user.

 

[jimharri]

Got my renewal notice last week; €412. That's up by around €40, despite no change in circumstance, and no claims over the last year. Driving a 2021 Tucson (standard diesel, no electric).

 

[Two Gun Bob]

Got my renewal notice last week; €412. That's up by around €40, despite no change in circumstance, and no claims over the last year. Driving a 2021 Tucson (standard diesel, no electric).

That's still great value Jim compared to our UK tarrifs. A few years back I never paid more than £400, but now it's crept up in the mid £500's. No extra risk, just a contium of premium adding for addings sake.

 

[Two Gun Bob]

Moons running poor tonight Jim. Dropped shields on Brave and no VPN, yet every page taking an age to load.
Speedchecker on 65mbs with other sites are loading fine. Same with other browsers too.

 

[Kinkybyname]

mine's gone down

 

[blue b4 the moon]

Currently with Allianz as Direct Line wouldn't come down to a reasonable level with their price.

Allianz have been very good this last month after I lost a fight with a low level solid metal bollard in poor light at 5mph.

I'd not had any sort of claim for over 10 years since I was rear ended and was surprised at just making a telephone claim along with the smooth systems in place for repairs.

I've got protected NCD but my next quote I think will be rather scary.