Direct Line / Churchill
Discussion
Last year, my insurance on the V8V was just £178 including protected NCB. This year, Churchill has “declined to offer a renewal” (no reason given)
I tried to get a quote through Direct Line (same owners as Churchill), but they declined to quote.
I’m struggling to see that it’s me (early 60s, 20+ years NCB, no convictions, quiet post code, etc) so I can only assume they’ve decided that they don’t want to cover Astons. The only possible explanation is that SWMBO had a no-fault accident in May - she’s currently a named driver, but only for the purposes of decreasing the premium a bit - she’ll never drive it.
As the cheapest quote I’ve had (Saga) is just shy of £300, I’m guessing their pricing algorithms had a wobble last year and they don’t want the continued risk for the meagre premiums.
Anyone else experienced the same?
I tried to get a quote through Direct Line (same owners as Churchill), but they declined to quote.
I’m struggling to see that it’s me (early 60s, 20+ years NCB, no convictions, quiet post code, etc) so I can only assume they’ve decided that they don’t want to cover Astons. The only possible explanation is that SWMBO had a no-fault accident in May - she’s currently a named driver, but only for the purposes of decreasing the premium a bit - she’ll never drive it.
As the cheapest quote I’ve had (Saga) is just shy of £300, I’m guessing their pricing algorithms had a wobble last year and they don’t want the continued risk for the meagre premiums.
Anyone else experienced the same?
Edited by Nigel_O on Sunday 1st October 16:12
I moved to Saga last year (Nov) very similar to you just a couple years younger… £182. I did find having the Mrs on as well actually put it up with them so left her off. She also had a no-fault in last couple of years, but I was with Admiral until there’s went up, and they usually have a lady driver discount still! Maybe they are pricing in cost of living increases as well now 
. Will see what my renewal is…
. Will see what my renewal is…Nigel_O said:
I tried to get a quote through Direct Line (same owners as Churchill), but they declined to quote.
Whenever you go through the questions they always ask 'Have you ever been declined?' Presumably in this case you can still answer 'no', as many insurers simply don't do Astons. I recently googled 'Aston Martin insurance', found a link that looked interesting and went through the motions, only to be told 'Sorry we can't cover this car'. A triumph of SEO over product perhaps.I managed to speak with Churchill this afternoon. Apparently, it's the car, not me, which is a bit of a relief, I guess....
Managed to save a few more quid from Saga by adding SWMBO, even though she's had a claim this year - down to £290, with only £250 voluntary and £150 compulsory excess - includes legal, windscreen and protected NCB.
Managed to save a few more quid from Saga by adding SWMBO, even though she's had a claim this year - down to £290, with only £250 voluntary and £150 compulsory excess - includes legal, windscreen and protected NCB.
Nigel_O said:
Managed to save a few more quid from Saga by adding SWMBO, even though she's had a claim this year - down to £290, with only £250 voluntary and £150 compulsory excess - includes legal, windscreen and protected NCB.
Insurance is nuts isn't it. One chap gets a higher premium by adding his wife, the other a lower premium... 
At one place I tried, an SP30 over 3 years ago put about 25% on the premium. And that's another thing - whilst things like SP30s are officially spent after 3 years, why do insurance companies count them for 5? Would be it (a) to make more money, or (b) to make more money?
king awesome mate'.When I tried direct line for my DB9 they demanded it be garaged with alarm and CCTV in the garage or they would not insure it. I'd never herd that one before! It is garaged and the garage has an alarm, but it wasn't worth putting in CCTV just for them!
Insurance seems to be very random!
currently with Aviva, £400 ish IIRC
Insurance seems to be very random!
currently with Aviva, £400 ish IIRC
Noogly said:
When I tried direct line for my DB9 they demanded it be garaged with alarm and CCTV in the garage or they would not insure it. I'd never herd that one before! It is garaged and the garage has an alarm, but it wasn't worth putting in CCTV just for them!
Insurance seems to be very random!
currently with Aviva, £400 ish IIRC
CCTV system, £300. And it might just be worth it. Insurance seems to be very random!
currently with Aviva, £400 ish IIRC
Simpo Two said:
At one place I tried, an SP30 over 3 years ago put about 25% on the premium. And that's another thing - whilst things like SP30s are officially spent after 3 years, why do insurance companies count them for 5? Would be it (a) to make more money, or (b) to make more money?
Also remember, they want to apply that to each car insurance policy you have. An SP30 needs to be decared at renewal.
So quick arithmetic with £300 premiums, 4 cars and 25% load for one prosecution.
£1200 x 25% = £300 x 5 years = £1,500 extra payment for one speeding offence.
Even the government have not worked out (yet) how to get that much money for 30mph in a 20 mph limit on a Welsh dual carriageway.
On principle, I dont want to pay that £1500, so am very careful now about limits, when there are people or cameras are looking.
Even treat a plain car following as suspicious, it might be the new State watching.
Simpo Two said:
Insurance is nuts isn't it. One chap gets a higher premium by adding his wife, the other a lower premium...
Insurance is about one thing only....risk.So if one chap tries to add his wife for a specific car/area where that insurer has had above average claims for a spouse, the premium will be higher. Car/area where the claims are lower equals lower premium.
Jon39 said:
Simpo Two said:
At one place I tried, an SP30 over 3 years ago put about 25% on the premium. And that's another thing - whilst things like SP30s are officially spent after 3 years, why do insurance companies count them for 5? Would be it (a) to make more money, or (b) to make more money?
Also remember, they want to apply that to each car insurance policy you have. An SP30 needs to be decared at renewal.
So quick arithmetic with £300 premiums, 4 cars and 25% load for one prosecution.
£1200 x 25% = £300 x 5 years = £1,500 extra payment for one speeding offence.
Even the government have not worked out (yet) how to get that much money for 30mph in a 20 mph limit on a Welsh dual carriageway.
On principle, I dont want to pay that £1500, so am very careful now about limits, when there are people or cameras are looking.
Even treat a plain car following as suspicious, it might be the new State watching.
Expensive 3 points. I don’t remember it being that way before, SP30s were a ‘thanks, noted, makes no difference’ conversation with the insurer a few years ago?
pschlute said:
Simpo Two said:
Insurance is nuts isn't it. One chap gets a higher premium by adding his wife, the other a lower premium...
Insurance is about one thing only....risk.So if one chap tries to add his wife for a specific car/area where that insurer has had above average claims for a spouse, the premium will be higher. Car/area where the claims are lower equals lower premium.
M1AGM said:
I got an SP30 in June and at renewal in August the increase was nearly £500 more on a £2000 multicar policy.
Expensive 3 points. I don’t remember it being that way before, SP30s were a ‘thanks, noted, makes no difference’ conversation with the insurer a few years ago?
A very good point. Until very recently insurers understood that doing 35 in a 30 didn't mean you were Jason Statham. Now it seems you are. What on earth has happened?Expensive 3 points. I don’t remember it being that way before, SP30s were a ‘thanks, noted, makes no difference’ conversation with the insurer a few years ago?
pschlute said:
Simpo Two said:
Which doesn't take into account the actual person involved, but is happy to take into account many people who are not that person. Again, nuts.
That is how you calculate risk. Number insured versus claims." My wife is a good driver sir" won't cut it.
While you're on, why do they continue to count SP30s for two years longer than the police are interested? On risk, the only at-fault claim I've had in 38 years was from doing 5mph - backing out of the drive. So yes, insurance is about risk, but it needs to be assessed correctly.
pschlute said:
Insurance is about one thing only....risk.
So if one chap tries to add his wife for a specific car/area where that insurer has had above average claims for a spouse, the premium will be higher. Car/area where the claims are lower equals lower premium.
So if one chap tries to add his wife for a specific car/area where that insurer has had above average claims for a spouse, the premium will be higher. Car/area where the claims are lower equals lower premium.
It used to be.
Those were the days.
Utmost good faith; ACII; Underwriting; Fire Offices Committee; Reinsured risk; etc.
Today - Loyal policyholders can be charged more at renewal than new business customers (although it has been agreed that won't happen); weekly new business target not met, reduce prices; Existing customer threatening to leave, pretend to refer to supervisor and reduce premium; targets for selling useless add-ons.
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