📱 𝗦𝗼𝗰𝗶𝗮𝗹 𝗠𝗲𝗱𝗶𝗮 : linktr.ee/dnag ☕ 𝗕𝘂𝘆 𝗠𝗲 𝗔 𝗖𝗼𝗳𝗳𝗲𝗲 : ko-fi.com/notaguru

I had a Skoda Octavia 1.9 tdi on an 09 plate and changed it to a 14 reg Sportage 1.7 crdi just recently. there was a month before my renewal date and as the Kia is a group lower I did not expect much of a rise. My quote was over double the last premium I paid. Last year it was £277 and this year the ins co wanted £580, so I went on a comparison website and found an AA police the same as I had with my last insurer which came out at £495. I managed to get my insurer to get it down to £499. What a rip off we motorists get on a daily basis.

@DefinitelyNotAGuru

15 күн бұрын

👌

Thanks,I am amazed at those costs. Yes it depends on many factors,but I suppose I am relatively lucky,under £500 for an expensive ,powerful EV.

@DefinitelyNotAGuru

15 күн бұрын

Remember they are national averages and account for all postcodes, ages etc

Thank's ever so much. Great video, much appreciated 👍.

@DefinitelyNotAGuru

7 сағат бұрын

Thanks Mark

Great video. Honestly think the best car in the UK is the Honda Jazz. Amazing reliability, economical, easy to drive and cheap to insure. If you are on a budget get one.

@DefinitelyNotAGuru

15 күн бұрын

👍

@shus5787

15 күн бұрын

What year? Wat engine?

@Tmp205

15 күн бұрын

Easy de-cat

@Number1HeadlightRestoration

14 күн бұрын

Love the look of the new Honda Jazz, and drove one in a little part time job I had last year. Super little thing to drive and be in. Great call 👍🏼👍🏼

Cheers Jim firstly congrats on 45k subs on the insurance front we used to life in a real rough area ( at 1 point 27 cars burnt out in field at the end of the road) moved to a quiet cul de sack insurance went UP 😢😢

@DefinitelyNotAGuru

15 күн бұрын

Probably because the cars in the car de sac were the ones being nicked - it’s never great to be in the best road in the worst area (you’re the target). Thanks for all the support mate

Wicked little video, Jim. Thsnks for the explanation at the end. Youre right though, in so many respects it is just Bananas! Thanks again for the information 👍🏼👍🏼

@DefinitelyNotAGuru

14 күн бұрын

Thanks Mark 🙏

Brilliant video as always. You deserve 100k+ subscribers!

@DefinitelyNotAGuru

14 күн бұрын

Wow, thanks!

How crazy is this - my 2024 Mini Countryman S E is more expensive to insure than my 2023 D250 Defender 90 that has Offroad use included in the policy, BUT both of those cars individually cost less to insure than even the cheapest to insure on the list. One of the few bonuses of living in the Central Belt of Scotland rather than having a S E of England post code I suppose.

@DefinitelyNotAGuru

15 күн бұрын

Nuts

As someone with a car in insurance group 2 who's been worried about the idea of leasing a new car in group 28, it's reassuring to see such a variety of group numbers on this list and that it doesn't affect the premium as much as I thought

@DefinitelyNotAGuru

15 күн бұрын

The important thing to note is that it absolutely CAN, that doesn't mean it always WILL. Or certainly not always by as much as you think, certain insurers have different appetite too so it's not unheard of for an insurer to not always go along with insurance groupings when it comes to pricing.

@Ashley.D

15 күн бұрын

​@@DefinitelyNotAGuruAbsolutely, but I'll not let it put me off and I'll make sure I get a quote to actually make sure. It's night and day compared to my experience in pet insurance where the breed can 5x the premiums, though with your explanation of payouts it makes sense seeing as breed is the biggest determiner of what your vet bills will look like

Thankfully the insurance is included on my motorbility plan when you look at the price of insurance it a amazing price we pay for the car great video jim

@DefinitelyNotAGuru

15 күн бұрын

👍👍

You spoke about personal injury claims. I always wonder if some of that money should go to the NHS, because at some point in that injury the NHS will probably have been involved, even if it is just the first responders or the GP referal. Always interesting reading while I wait for teh toast to pop up on a Sunday morning🤣😂

@DefinitelyNotAGuru

15 күн бұрын

If an ambulance is called it does, fire service too

@PeteMulv

15 күн бұрын

@@DefinitelyNotAGuru There you go, you learn something new every day. I lived in Germany a long while ago and teh police had to be called to every accident and they decided who was to blame so the insurance companies had the blame decission done for them which saved money, they just paid up, simples.

I thought that the insurance costs would relate to the insurance groups, however it does not seem to be directly comparable? As an insurance expert Jim, I would also be interested in your thoughts on excessive accident repairs for minor bumps and writing off of easily repairable cars. I have watched a few KZread videos by Saving Salvage who has purchased writeoff repairable cars and has fixed them with a minimum of cost and time. A recent one that particularly springs to mind was a nearly new LR Defender which was classed as a Cat S write off. However when he repaired it, the car had no structural damage and was repaired with £3K's worth of parts and a day of his time. Sounds like somethings going wrong with the whole process somewhere?

@DefinitelyNotAGuru

14 күн бұрын

It’s badly broken. Insurers basically have to use new parts and guarantee the work that’s done for 2 years. You could often do the job yourself with used parts for 10% of the cost and offer no guarantee of course. A lot of your premium is going directly into unnecessary costs to meet the regulators requirements around fair pricing (which have effectively wiped out an insurers ability to offer a good price to attract new customers and therefore punished everyone who previously shopped around).

@davidlang3625

14 күн бұрын

@@DefinitelyNotAGuru Thanks for looking into it Jim

Thanks for the info. I thought my insurance renewal was a rip off, but far cheaper than those prices listed here. I ‘dumped’ my previous insurer who I had for years, and obviously did not want me as a customer when I saw the renewal price at over double the previous year! Shopped around and found a cheaper option will the same cover from a reputable insurer.

@DefinitelyNotAGuru

15 күн бұрын

Remember they are national averages and account for all postcodes, ages etc

Great vid Jim

@DefinitelyNotAGuru

15 күн бұрын

Thanks Mate

Thanks Jim, interesting to see how much insurance costs now in general terms.

@DefinitelyNotAGuru

15 күн бұрын

👍

Great info Jim

@DefinitelyNotAGuru

15 күн бұрын

👍

I thought the £325 to insure my little Jeep in Bristol was a lot until I saw these “average” prices! As the election is coming up have any of the big parties spoken about the rising insurance costs and any plans to deal with it? Really helpful video by the way

@DefinitelyNotAGuru

14 күн бұрын

👍

It’s cheaper for me to insure a 400hp Range Rover sport than a Volvo V90 hybrid!! Crazy

@DefinitelyNotAGuru

15 күн бұрын

Utterly bananas eh!

Hi, car insurance is up because of keyless entry cars which can be stolen in 7seconds I’ve seen…. Kill switch’s are a must now 👍🏻

@DefinitelyNotAGuru

14 күн бұрын

It’s a real factor but a slightly smaller one than you might think.

👍👍👍 I listened to a programme on Radio 4 last week on motoring insurance. One gentleman phoned in to give his daughters experience. She is eighteen years old, worked as a teaching assistant. Her insurance cost £1,600 per year. She changed her job and became a courier delivery driver. The use of her own vehicle did not change and she drove a works vehicle for deliveries. After notifying her insurance company that she had changed her employment the insurance rose to £4.600😲. The only way she was able to slightly reduced the premium was to take her mother OFF her policy. From what I understand usually ADDING an older person can reduce the premium. His question was, should young drivers, have to base their future careers on their motoring insurance. Thanks Jim

@DefinitelyNotAGuru

14 күн бұрын

Yeah it’s a tough one, in fairness a call to the insurer to explain would have dealt with that. Computer says no situation 👍

@Pete.Ty1

14 күн бұрын

@@DefinitelyNotAGuru According to the father she thought the insurance company had misunderstood, and they believed she intended to use her own vehicle for deliveries. After several phone calls to explain the situation the company refused to lower the premium. Its a sad fact of life that greed is now the overriding priority for many businesses. ☹😟

@DefinitelyNotAGuru

14 күн бұрын

In which case mate, the underwriter was a moron. They don’t expect you to actually pay that; they’re saying “we don’t want you”. How daft.

@Pete.Ty1

14 күн бұрын

@@DefinitelyNotAGuru 😁😁😁👍

Insurance is now in the category of businesses models that is gamed for super profits rather than competetive business and shared risk. Similar to travel insurance now. Similar parasitical business models are house building, whereby they drip feed the market and dont compete or leasehold properties and all that entails.

@DefinitelyNotAGuru

15 күн бұрын

One thing that is rarely mentioned with car insurance is profit. The target for pretty much everyone is break even then make profit on the premium holding over the 12 month. The actual car insurance usually makes a technical loss for most.

Do companies look at security devices including kill switches wheel locks, bar locks black box’s??

@DefinitelyNotAGuru

14 күн бұрын

Not really, a lot of those devices are pretty useless. Black box policies are around for young drivers and there are some dashcam policies now too.

My car is 14 years old and its less than £400 per year to insure.. I'm only in my 2nd year driving. I think upfront excess and age also massively affects cost. My car is so undesirable its great!

@DefinitelyNotAGuru

15 күн бұрын

👍

Car insurance is so bad bad it needs regulating

@DefinitelyNotAGuru

15 күн бұрын

It is regulated, very tightly, but the focus is entirely wrong in my option and detrimental to the consumer.

insurance is pure insanity at the moment, had a old 2012 ford focus 1.6 diesel paid 600 this year 3 months ago, just changed my car for a brand new 2024 Mercedes A35 AMG insurance was £481 cant work it out nothing else has changed other than 3 more months no claims

@agrubera75

14 күн бұрын

Exactly this. My 2008 VW Golf 2.0tdi sportline insurance is £450 with 10years of ncd. Just for curiosity I checked how much would be a new Audi A3 sedan to insure. Guess what, it came out a few £ less than the insurance of our 16yo car! Unbelievable...

@ulysees321

14 күн бұрын

@@agrubera75 insane when you think of cost of replacement difference,

@DefinitelyNotAGuru

14 күн бұрын

😂 that’s crazy

@ulysees321

14 күн бұрын

@@DefinitelyNotAGuru im sure they just hole a finger in the air and say that much

As a retired senior citizen the companies are slowly pricing me out of the market I can see my only mode of transport in the not too distant future is a bicycle. At least I will not need to insure that - well not yet. Regards.

@DefinitelyNotAGuru

14 күн бұрын

👍

Can you do one for EV please

@DefinitelyNotAGuru

14 күн бұрын

If I can get the ABI data

I did some experiments with my insurance with adjusting my miles i do & it makes no difference between 2,000m & 5,000m. Even having a damh came didn't make a difference.

@DefinitelyNotAGuru

15 күн бұрын

5k is usually the max (min) for price reductions.

@tardeliesmagic

15 күн бұрын

@@DefinitelyNotAGuru But i played around with quotes from 2,000,3,000m & 5,000m with no benefit! Have a great Sunday.

@DefinitelyNotAGuru

14 күн бұрын

Yes mate, I was trying to say that 5k is the max mileage discount you can get so putting in a lower mileage will have no effect. Put in a higher one and it’ll go up with most insurers.

@tardeliesmagic

14 күн бұрын

@@DefinitelyNotAGuru Thanks mate.

I’m 70 year old driving MX5 ND 2.0 and have to pay £175 . Shocking .

@DefinitelyNotAGuru

14 күн бұрын

That’s not too bad eh 😂

😊

@DefinitelyNotAGuru

14 күн бұрын

👍👍

My son's insurance company will not insure his Audi S3 or Range Rovers, wouldn't give a reason to him but it must be the fact they are prone to getting stolen.

@DefinitelyNotAGuru

14 күн бұрын

👍

👏

@DefinitelyNotAGuru

15 күн бұрын

👍

Jesus H. Christ... !! £600+ average for a Fiat Panda.... I would use a bicycle.... I have just insured my "Expensive to Insure BEV" Citroën E-C4 for £435 fully comp. As for my motorcycle insurance.... it is even cheaper (and the bike is worth more than the Citroën).

@DefinitelyNotAGuru

15 күн бұрын

Remember it’s average. There’s a kid in London somewhere paying £6k to insure that car.

@mikadavies660

15 күн бұрын

@DefinitelyNotAGuru That kid in London.... definitely needs a pedal bike! Honestly, I am NOT even paying for my kids to learn to drive, if that quote nonsense like £6,000 at me.... It is cheaper to emigrate!

@mikadavies660

15 күн бұрын

@DefinitelyNotAGuru Strangly I say a KZread recently about young car insurance... It was the Welsh guy who converts classic cars to electric on Quest. His son needed his first car and if I remember correctly it was a Renault Zoe that was cheapest to insure.

In other countries the government contr😊ok insurance by way of a bond. U cant buy a car without a bond so no insurance rate. Not rip off costs either this country is ducked in every facet of life

@DefinitelyNotAGuru

15 күн бұрын

They used to do that here, I’m not sure if you can still do it but the bond used to be £250k so wouldn’t have been an option for most mortals

Why can't you do a Soap Box Video of what is wrong and how the general public could write to the regulator about specific subjects? OR would that be pointless? And if so why, can't anything be done?

@DefinitelyNotAGuru

15 күн бұрын

Unfortunately it’s utterly pointless; too many involved with the regulator have never been involved at the coal face of things like car or home insurance and have little idea what how public actually wants or needs. I feel where at the stage where we possibly need a new regulator or a very different remit.

@mikadavies660

15 күн бұрын

@@DefinitelyNotAGuru Sad... but with your experience in the industry. I trust your opinion.

Nice one mate ❤

@DefinitelyNotAGuru

14 күн бұрын

Thanks for the visit Jock 👍