Saved £270 with Esure insurance

Geez, that's expensive. Just renewed my insurance for my 2002 1.8 Ghia with Esure today. £236 (£8 less than last year) including business use, protected no claims, legal insurance and £100 excess. Of course, you don't say how old you are, how many convictions/accident claims you have....and you do live in Liverpool, which has got to be a bit of a negative. Difficult to compare apples with apples............

Hi Bob,

We're about the same age and I too have no convictions. I live in a suburb of Glasgow where car crime is generally pretty low (though my next door neighbour had the soft top of his Honda S2000 slashed the other night). I work in risk management in the insurance business (though nothing to do with cars unfortunately!), so I understand how underwriters assess their risk. Where you live has a big effect on premiums (it can sometimes vary from street to street and even what side of the street you are on), particularly if the car is not garaged.

Bob H