Renewal with Axa
Next fully comp
Third party fire and theft
Probs go third party, but it’s just daft how much difference there is.
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Yeah I would never go third party unless I had literally no other option. You are essentially not insuring your own car, you’re just insuring other peoples in case you hit them. In an accident you could be left with no car and no plan to fix it.
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My car is a heap anyway.
£4 a month I guess is manageable but the amount I drive now is minimal unless visiting family which isn’t that often now.
Agree, never go third party. If you must, increase your voluntary excess.
But you’re paying over a grand! My defender is less than that and that’s saying something 
Putting too low annual mileage increases your premium too.
Where?
It’s at 6k which is what I’ve averaged over the last two years.
My MOT is due and it’s not gonna be pretty (I don’t think anyway, 103k miles and no service history 
).
Will see what damage that causes before I even consider insuring and not flogging 
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Oh crap sorry, I just saw your first screenshot 
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Yeah but it would probably cost more than the £100 you’re saving to replace it if it was written off.
Unless you go in for “Bangernomics” like an old friend of mine did. He’d buy the very cheapest car he could find that had an MOT. He’d run it until it wouldn’t pass an MOT anymore then scrap it and buy a new one. He saved loads this way but there was always something basic wrong with the car like windows that wouldn’t open 
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I don’t particularly need a car, I’m city centre, bus station on my door step, train station 5 walk mins away, work 5 mins walk away, shops/supermarkets literally at my door.
It’s wasted money as a whole in theory.
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Well, this didn’t last long. £600+ now fml.
Fully comp, I drive a 1 litre corsa
It’s gone up in less than 3 weeks by almost £300pa.
35, two years no claims (no faults, just never had a car). Licence for 12 year.
Only had one NCD last year.
Your renewal may be different unless you only just fixed.
Yeah good luck
As above
Such is life.
£500 on a MK8 Golf at 23 seems about right.
£600+ on a 1.0L Corsa seems criminal
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You can try the comparison sites for a few weeks time, click through to the company site and it often lets you edit the start date to closer for the same price.
Try aviva.
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And their sister brand, Quote me happy.
I tried changing it to a month or similar ahead and the price hardly moved. Gonna set a reminder in 12 days to see what it looks like then.
Insurance is up on thurs as MOT was done today, passed to my relief.
Just considering though, if it’s actually worth it for me paying insurance tax and fuel when I live outside a bus station and a train station a few mins walk away 
I honestly checked all scenarios and couldn’t move it.
I’ll check in a week or so as I can cancel within 14 if I find a reasonably cheaper but I doubt it.
Wonder if opening two bank accounts also played part.
Yeah exactly. Just looking at the graph, leaving it until a few days out was always going to end badly:
Source: https://www.moneysavingexpert.com/insurance/car-insurance/when-to-renew/
It’s possible that the insurers are wise as to what they’re trying to do so aren’t shifting the quotes. It’s also possible that the previous cheapest was running a promo or tweaked their pricing system.
Locking in and still trying to find cheaper is probably the best bet. Also check the exit penalty beyond the 14 days as some of them will be less than the potential saving.
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