Insurance Price cutting

[Avatar]

Renewal approaching and price for fully comp, protected NCB, legal protection and roadside recovery is well over £400.
I have an X reg (10 year old at least) Audi A4 TDI worth about £2000 if Im lucky and am 47 years old.
Why is the premium so bladdy high? Or is that not high?

Do people think protected NCB is worth having? I have heard possibly not. Legal protection? Has anyone ever needed that in the history of motoring?

Best sites to try and get a cheaper quote?
Tried Direct Line, just as dear if not worse than renewal.
GoCompare?

Many thanks.

[redcrx]

try calling adrian flux www.adrianflux.co.uk

of course the prices arent really based on what car you drive. It depends on your driving history, where you live, what you use car for and your profession.

I have a legal protection thing on mine. It meant that when someone hit my car when it was parked, i could do the entire claim via my legal cover, will not have to pay my excess and also only give my insurers notification of a claim but dont go through them. It will save me money, so yes i find it well worth it.

i also protect my NCB, that doesnt cost much and i pay £40 for breakdown cover which has also been very very usefull

[jake-the-peg]

Doesn't seem outrageously high to me - how much without the recovery? - that might be upping it with a 10 year old car

Licence endorsements, where you live, occupation? any smoking guns there?

[chas2008]

is this an increase on the previous year? some companies will negotiate if you threaten to change ..
Legal protection is a grey area as are so many no win no fee etc. companies out there, i opted out of it.Depending where you live that doesnt sound an exessive quote..

[Toureman]

I check on confused.com every time I need to renew my insurance, it has always worked out cheaper than the other sites.

[Avatar]

Cheers all. Am trying the various compare sites. Think i should get over £150 off. Mind you, currently on hold to one of em for ages. At least Direct line etc you get through ok.