I was with you (HIC) until Jan this year when my policy went up 40% due to snow last year!(likley story) It went from £380 tpft to £560 witn no accidents or claims......
So I went with (cheapest) Admiral who did me £420 for a fully comp policy + pncb with £1000 excess.
This was so I could treat it as a third party and save on your renewal quote for tpft.
When I swapped over to my new Golf, same model, same amount of valves, less value, Admiral charged me £210 extra as my car was 3 years newer, this put me at £630 for this years cover.
Now I check for what next year is going to be like its gone up to £800 tpft and £760 fully com with £1000 excess again.
Quite frankly I think i will give up the golf and walk in the new year, just not worth it when you have to keep a roof over your head.
If I cant get £400 cover (which is what the car cost me) then its getting sorned and broken up.
Ironey is that the cost for me to insure a new car is the same, which would have to be paid out on if it got damaged.........
