Overhaulin' - Car Insurance are we been conned?

Car Insurance are we been conned?

I was quoted £318 for fully Comprehensive last year, I have never claimed, no convictions, no points on my licence, accident free for 20yrs. Yet I am now been quoted £418. I understand that my premium could go up but by over £100 in one jump, how can they justify this... No wonder people are driving without Car Insurance, it,s a complete rip of. One company Compare the Market. com was quoting me £1,300 for third party fire and theft. And the most annoying thing of all is all the advertisments on T.V. are false and misleading, take for example confused.com they sure live up to their name!!. They show insurance quotes with £220 upwards to £280 on the T.V screen and when you ring them or contact them on the search engine they are in the £450 upwards range, surely this is false advertising... Is there anything that can be done about this????

Public Comments

every one is taken on their own mertt. Thats why I change my Insurer every year.
ring around try direct line, LV, hastings direct insurance rates vary dramtaically form here to year, where you live, what you do, your driving record, the type (and cost) of the car you have, the attractiveness of that car to the sticky fingered and so on.
It's because people ARE driving without insurance the premiums are going up. Where you live and how much you drive affect the price. I have a Rover 220tdi and drive 30 thou a year and 3rd party for me is 280 with Budget. Cheapest I got on Confused.com was 500. Look about and best o luck.
They impose these rate rises because they can, vote with your feet and go elsewhere. Stick all your details into a price comparison site and go for the best (not just the cheapest ) deal. Inform your broker you have had a better quote for the same level of cover, it's surprising how quickly most of them can find you a better deal if they think you will take your business elsewhere. Unfortunately everyone's premiums have risen this year, and it's partly to cover payouts against uninsured drivers.
What can be done? Since The UK and the USA are still a little bit capitalistic (Obammammamma is trying to switch over to socialism here), is to not buy from those companies. Call around and try to get a better rate. If no one buys from the rip off outfits, they will fold or become honest in a big hurry
You are not the only one mate. I have been with CIS (Co-op) insurance for last 15 years, always comp, never had an accident yet my premium jumped 30% this year.
Shop around. I don't mean on the web sites. For a start, try ringing the company you are currently with and go through your requirements. You are probably paying for something you don't need. Last year I was quoted over £400 but found that I had foreign cover (which I don't need) a £100 excess (I can quite easily manage £200). Finished up with a revised quote of £163.
Its a big con! they will always make money and we're always going to lose money! I got hit in our car and my premium went up!
Paying too much for car insurance. That is because Car insurance companies fool the average american, the same companies have the best deals available for people who actually look for deals because they know there is no other way to get them to join thier company. This site http://carinsurance.fsaenterprise.com has links to various car insurance companies that are guaranteed to give you their cheapest quotes. Thank You!