>buy nice-ish car for my first car
>surprisingly cheap to insure given my age
>drive it for a year
>get this email a few hours ago
What the fuck is this shit? Even comparison sites are showing my insurance is going to be sky high too.
Did insurers decide they didn't like me/my car anymore or did something happen to car insurance companies?
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I assume you're British, maybe Brexit is part of it?
Do you have one of those driving monitors plugged in to your diagnosis port? If you do and you drive like shit (speed, slam brakes, never signal, ect), then yes, your rates will rise.
Didn't have one of those shitty black box things, if I did I'd probably have had my insurer cancel my policy the day I bought my car with the way I drive.
Unfortunately I got into the dumbest accident possible a while ago which is no doubt part of the silly pricing. Even when I compare prices saying 'no accidents in the last 5 years' just to see what they are like, I paid 2000 quid a year ago, and now they want 3500 when I'm a year older, have owned the car for a year and have held my licence a year longer. It doesn't make much sense to me.
The only thing I can think of is my car is quite old and the additional year in age it's gained is the straw that broke the camels back before they consider it 'old and dangerous'. Struggling to find a year younger reg for my car to test this theory.
that's not usually how it works unless your car is a literal deathtrap and your insurance company figured out somehow. usually, old shitty cars are cheaper to insure because even if you total it they're only out a few thousand dollars/GBP/equivalent
In my experience getting insured on a brand new Fiesta ST is cheaper than getting insured on a 1985 Ford Sierra with 60bhp. Insurers don't like old cars.
Top laugh.
What is your postcodes insurance grade/rating/whatever?
It might have gone from okay to Jesus take the wheel during this year
Also I'm going to say the accident probably might have fucked you now untill its off your record. you might either want to buy a cheap shitbox with black box insurance or just take the bus mate
Out of interest what car do you have?
Have you taken your car to a repair shop/mechanic/dealer/anywhere? If so they probably reported your mileage that you underestimated.
Serious question, why is insurance so expensive in the UK?