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What’s the punchline?

What does DNA stand for?

“I keep randomly shouting out 'Broccoli' and 'Cauliflower' - I think I might have Florets".

Some cities seem to allow driving in bus lanes 24/7 for EV’s. Not sure how widespread this is. Of course all users can drive in the bus lane outside limited times - if it is a bus lane that has these time limitations on the sign. Although most users don’t know this. Does your area allow EV’s...

skip to the end for the chat about premiums.

Thanks for the suggestion. Alas, I no longer run one of Morris Garages finest at the moment.

Just a quick update. I obtained a small reduction in premium when I called my current Insurer and I decided to go with them for the car cover only. I also looked at add-ons for the policy and removed these. By getting alternative quotes I got these reduced too. For example I got £500 policy XS...

Interesting points. You’ll find that your policy is with Highway Insurance, whose brand is owned by LV. The car insurance revolution that Direct Line Insurance started in the 90’s was all about cutting out the middle man (brokers) and going direct, and it had a profound effect on the market...

I doubt if the traditional ‘broker’ has access to more insurers than the aggregators on the internet. That’s why their numbers dwindled. The LV policy mentioned through a broker will be available online direct from LV, and I’m pretty sure that the cost will not be cheaper by using a broker.

There are many more vagaries within car insurance terms and conditions. You point out a few good ones. The ‘main driver’ condition is mostly ill defined and even harder to enforce. I’m afraid we are heading for a future where every mile is tracked and logged by the insurer - even getting to the...

Just be careful. Cover for driving other cars is usually only third party.

Obviously it’s impossible to compare premiums when almost everyone has a different profile of risk/car/postcode/age/convictions/claims etc etc. what is clear is that premiums have increased significantly for many motorists and a lot of insurers seem to be more selective on the type of car and...

Quick update. Tried Flow Insurance - thanks. They are the same price as LV (my current Insurer). Not surprising as they seem to be owned by LV. Worth a try though.

Thanks for the tip. Are they on the comparison sites? Do you know much about them?

I’ve done quite a bit of comparison work now and it looks like this Years premiums are up across the board. I’m not seeing much savings by comparing and going elsewhere. The only saving that looks worthwhile is to remove my breakdown cover from the policy.

I’m not too sure what the situation is in the UK. I have always thought that premiums were pretty comparable in the UK too, between an EV and ICE of similar value/type.

I’ve only heard about c50-60% increases - I’m not sure where your £1400-£1600 comes from. For most they will pay the £20-£30 a month increased premium instalment and move on.

Yep - most of us - not all of us.

Everyone is different, but for most who do low annual mileage the car is just a luxury not a necessity. Using public transport is what governments have been trying to shift us towards for decades. We like our own personal space too much.