Less is more

Recently my Ford Mondeo was written off in a hit and run accident. To lower my insurance I purchased an older Renault Clio 1.2. To my astonishment, my insurance company, eSure, quoted very little difference in premium. I have full no claims discount and accident protection and am a mature drive covering 4-5,000 miles per annum.

Asked on 9 October 2011 by DI, Knutsford

Answered by Honest John

That might be because the claim makes you a greater risk and has increased your premium to the same level as it was with the Mondeo. NCD protection does not protect you against this.

Tags: insurance downsizing

Similar questions

Downsizing from a Focus

I'm driving a Focus 2.0l TDCI averaging 44-47mpg on a 55 mile daily commute (25miles each way) mainly on dual carriageway and fast A roads. Plus shorter trips of 4 - 10 miles each way on fast A roads to...

Buying a new small family car - which one would you recommend?

Can you advise on which 5 seat car would be the best option as a small family car? We have heard good things about the Ford 1 litre 3 cylinder engine, and wondered if we should wait for when the Fiesta...

Are smaller turbocharged engines less reliable?

With the rise of engine downsizing in modern cars, I’m curious about its long-term reliability. How do smaller turbocharged engines hold up compared to larger naturally aspirated ones in terms of wear,...

Related models

Ford Mondeo (2007 - 2015)

Very good to drive. Refined and comfortable to travel in. Massively roomy cabin and huge boot. Reasonable value. Efficient ECOnetic and EcoBoost models.