Penalised For Being Retired
 

My renewal date for my car insurance was last week. I was happy with the renewal quote from the Post Office so I stayed with them.

All the documents came yesterday and I was checking the details when I saw they still had me down as employed by the government. Today I rang them to advise that I am no longer employed and have now retired, only to be told that I will have to pay an extra £9.50 a year. When I asked why, I was told they have to presume I will drive my car more! I pointed out that I now no longer do the 15 miles a day journey I used to so, as I worked 3 days a week, that's at least 2000 miles per year less.

I believe that now I am retired they must, automatically, be assuming that I have suddenly become a less competent driver and that annoys the hell out of me.

Re: Penalised For Being Retired
 

what sort of car do you drive and how much have they quoted you .

Re: Penalised For Being Retired
 

if they would not take my word i drove it much less now, then if i was in yer position, i would look around, get a better quote n tell em to get stuffed, to me its tantamount to calling ya a liar. n i would be very annoyed.:mad:

Re: Penalised For Being Retired
 

It's a Ford Fiesta and I pay £180 for fully comprehensive insurance (maximum no-claims bonus).

Re: Penalised For Being Retired
 

try go compare west ender, just to see what they come up with, nowt lost.

Re: Penalised For Being Retired
 

I pay £117 fully comp on a Seat Arosa 1000cc
It is low because I do less than 2000miles a year
You will be able to get a better quote if you can state a low mileage.

Re: Penalised For Being Retired
 

I'm hoping to get a new Fiesta before Christmas so I'll be shopping around for the insurance. My present car is 6 years old and has a 1350 cc engine but I am down for only 5000 miles a year. I don't mind it being assumed I will still do the same mileage (though leisure rather than business) but I don't believe that's the reason for the increase. I am sure it's an "ageist" agenda - I am retired therefore I must be senile. :mad:

Re: Penalised For Being Retired
 

well i would mind, if i wasn't, seems margaret pays a lot less fer a european car, ok cc is less, but yours still seems high by comparison.:confused:

Re: Penalised For Being Retired
 

Did you know most of the new Fiesta diesels are £100 a year cheaper to tax than the petrol ones. Thats only £35 a year tax. And new prices are sometimes only £500 more for the diesel. They tend to have better resale values as well.

Re: Penalised For Being Retired
 

I pay £550 for my 2.9 V6 with all the trimmings like European breakdown cover.
I must be mad but I love my motor.
It owes me nothing.

Re: Penalised For Being Retired
 

Before my Dad died 5 years ago I sorted out his insurance for him, he did less than 1000 miles a year, he only used it for coming up to my gaff and shopping in Act. I tried to persuade him to stop driving but he was very stubborn, anyway the last time it was up for renewal I actually said that he should take out third party fire and theft, thinking it would save him money, it would have actually cost him more.

Re: Penalised For Being Retired
 

Geesh thats dear!, I pay 350 aged 39 in a 250bhp volvo doing 30K/year

Re: Penalised For Being Retired
 

I pay £244 per annum £100 excess, but claim to and do, less than 5000 miles a year.
On a 2000cc Mondeo Ghia X TDCi

Re: Penalised For Being Retired
 

I pay nothing, mainly due to the fact I'm on four other peoples insurance as an extra driver, three of whom get a reduction in their premium.


However the last time I needed to insure a car in my own name, I found I was past their time period of 2 years to allow my former accident free, no claims, driving to make any difference, they put me down as a new driver and wanted to charge triple the amount I used to pay making the vehicle worthless, if I hadn't scrapped it I possibly could still be driving it illegally, all because they put the premium beyond my reach!
:(

Re: Penalised For Being Retired
 

happened to me that Less years ago, was 2 months oer the 2 years, had been driving fer approx 14 yrs previously, no claims.:mad: was not a happy bunny, but needed a car at that time so had to tolerate it.

Re: Penalised For Being Retired
 

I had a Leased vehicle for 10 Years and drove on the lease companies insurance so I had to start from square one....That's why it's so expensive.

Re: Penalised For Being Retired
 

1000 cc:eek: The motor on my snowblower is bigger than that;):D And from the look of the long range forcast, I'll be putting on more than 2000 miles this winter:mad:

Re: Penalised For Being Retired
 

Try Apollo In Warner St,

Re: Penalised For Being Retired
 

west ender lives in Cheshire tosh.;)

Re: Penalised For Being Retired
 

I do, for my sins. :D Don't get up your way as much as I used to, these days, but thanks for the thought, Tosh.

Re: Penalised For Being Retired
 

I have resurrected this because my car insurance is due for renewal mid Dec and I have spent most of the day online shopping around for it.

For the past year I have had Saga on monthly payments(at no extra charge for credit)- £117.14
This year they wanted £150.43 which included £11 for credit.

I realise that costs have risen but want to shop around so I cancelled the direct debit on my personal banking website so they can't automatically renew me.

Today I got a letter from them complaining that they won't be able to collect from me in Dec (cheeky!). Their renewal quote is less than most but I took the trouble to read the small print. If I hadn't cancelled the DD it would have been a right 'rigmarole' and a 2 month wait to get it back.

So I am not reinsuring with them because of their attitude.
I have found a quote for £114.06 from Bullseye Insurance(part of the Swinton Group) which includes a £50 cashback when taken out via Moneysupermarket . I will have to claim the £50 back by letter within 30 days, and wait two months for the cheque, but worth the effort to get insurance at less than last year.

Also, I joined quidco because according to Martin Lewis I could get massive cashback using them, but unfortunately the insurers quidco uses started off with massive premiums which cancelled out the value of the cashback (and it would have been 'rigmarole' getting it.)