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Discussion Starter #1
Hello all,
Car insurance due in a few day and I am surprised at the cost of renewal

Quotes appear to be > £500 for comprehensive +protected XS around £500 and 10000 miles

I paid £400 last year for a Porsche, then added the Ampera for £500 for the Ampera at month 2 of policy.
I had 0% NCD on the Ampera, and they gave me an existing customer discount.

This year I have 11 years NCD, the Porsche is going this week and the Ampera is, as mentioned above, greater than £500.

No major deal, I am just very surprised. The adviser at my current insurers claims the reason is the cost of repair of electric vehicles/batteries etc. Seems logical, but modern cars also benefit from many safety features.

Thoughts anyone, or better still, I wonder if there are dedicated insurers for these vehicles.
I've not had much luck with specialist insurers, quotes always ended up being more expensive.

Cheers

Kindest regards
 

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Odd as Ampera Positive is group 20 and Electron is group 21 insurance. I'd stick it in all the insurance comparison sites and see what comes up. Your current insurers will always try to screw you when renewal comes up.
 

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Just renewed mine with Aviva. £220 for comprehensive + protected ncd (15 years), £250 excess, 8000 miles. Surprised to see the premium is £40 lower than last year.
 

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My renewal has just come up with Aviva, and the cost has also gone down. I tried a few comparison sites, and no-one could get close to matching Aviva.
 

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Mine was something under £300 last summer, Direct Line IIRC. More Than couldn't cover it - not in their list of cars!!! I even had to argue to get back the early cancellation cost, even though I'd have happily renewed with them.
 

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Discussion Starter #8
Odd as Ampera Positive is group 20 and Electron is group 21 insurance. I'd stick it in all the insurance comparison sites and see what comes up. Your current insurers will always try to screw you when renewal comes up.
Thanks. Have tried 3 of the popular comparison sites last week. £550 ish. I have one windscreen claim 2 yrs ago and the quote engine requires the amount so I'll need to get that.
I also have one accident 5 yrs ago (one day prior to renewal). Current insurer Aviva have it down as 01/03 and not counting anymore. No day was put in on their system it reverts to first on month. I was actually insured with Aviva at the time.
Some insurance search engines won't allow input of March 13. Must see it as greater than 5yrs

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Discussion Starter #9
Just renewed mine with Aviva. £220 for comprehensive + protected ncd (15 years), £250 excess, 8000 miles. Surprised to see the premium is £40 lower than last year.
That's a fantastic premium.
I'd be happy with £400

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Discussion Starter #11
Mine was something under £300 last summer, Direct Line IIRC. More Than couldn't cover it - not in their list of cars!!! I even had to argue to get back the early cancellation cost, even though I'd have happily renewed with them.
Nice. It's good to see the range of premiums. Am sure some are paying over £500 and I really don't mind. Just a Bit surprised.
Thanks


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I'm paying £665 if it makes you feel better and that's with a silly excess! 5 years NCB and i'm under 30 years old which doesn't help. Worst of all we have a local 'accident assistance' firm (aka ambulance chaser) who turns every bump into a cash machine thus pushing up insurance costs for our postcode!

I should edit my profile to note that I now have a Volt as well (well it was agreed we are to call Volt's Ampera's unless there is a difference. Hmm Parkers say a Volt is group 22 so I guess there is a difference - strange how that has happened - how do the Ampera's bumper designs help?!)
 

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Factors like where you live, postcodes etc, and park overnight will push things up too, but I think the excuse that the Ampera is an EV isn't right. That said however, a lot of warranty companies will stop chasing you for your cash as soon as you mention the letters, "E" and "V" together I have found.
 

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My renewal can through as 1200 for ampera and leaf. Got to 300 each rac/co-op (looks ironically like same insurance platform).
Aviva couldn't get below a grand...yet I bet next year they'll be in the running.
 

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Discussion Starter #15
My renewal can through as 1200 for ampera and leaf. Got to 300 each rac/co-op (looks ironically like same insurance platform).
Aviva couldn't get below a grand...yet I bet next year they'll be in the running.
Hi, seems that is the case here, and I am believe at some point,as you say, they'll be able to offer cheaper than most of the others, like they have done in the past. Also, like you Co-op were the cheapest this year. Very surprised at that.

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Discussion Starter #16
Factors like where you live, postcodes etc, and park overnight will push things up too, but I think the excuse that the Ampera is an EV isn't right. That said however, a lot of warranty companies will stop chasing you for your cash as soon as you mention the letters, "E" and "V" together I have found.
Thanks. Yes, of course these are all contributing factors. Car is garaged overnight. But this is like for like and referenced against a Porsche like for like insurance for the same person. Further comparison is my partner has a new xc60 and pays £340 with me on it. Same address. @Marli's point about Aviva was very accurate IMO.

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I paid just over £200 last June for fully comp with about 250 excess, this was with Esure, who my previous car was with. I'm 59, have 3 old speeding points on my license and full NCB, car is kept on the drive overnight. Have you had a quote from them on the comparison sites?
 

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Just checked Sainsbury's, I have my VX220 with them, full protected NCB, and they are coming back at £308 for social domestic and pleasure with commuting and a £250 excess and for 23k a year. The downside is they valued my car at £12,295.
 

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Discussion Starter #20
Thank you. I will give them a go tomorrow.
Cheers

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Ok so I gave them a call and there were no big surprises. I was advised that he would need to go through a quote but for 10k miles it should still be £287 and for 15k miles £313. He highly recommended legal cover at £24 but I don't recall the last time I took that. My other concern is my 11yrs NCD MAY be 5 next year if I move. He could not give me a definitive either way. Plus I'd need to call to proceed. I said that I'd review information on website then call back. So it's looking like £150 lower than my lowest quote so far. Thanks!!!!!

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