I EXPOSED THE WORLD OF CAR INSURANCE 

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Mark you only need £250,000 to start an insurance company. Just start a company and insure yourself hahahaa

At least all these write offs keep mat armstrong busy 😂

the problem is that it's legally required. The government should have their own (but basic) insurance that is effectively owned by the motorists and would almost set a benchmark in the market for premiums. This will keep prices low and competitive and will allow it to be functional. Watch how many insurance companies will go out of business then? Insurance is a total scam. And the answer is none. As shown, Admiral group reported a doubling of their profits to half a billion last year. It’s a joke.

Please make a petition to regulate the insurance market. This is just ridiculous.

Get the Mafia to insure you. Someone hits you, they hit them. 😂

"I've skidded more miles than you've driven" What a line. lol

When the "cough cough" happened cars weren't allowed on the streets. premiums should have gone down and stayed there. Companies that use this excuse should go out of business as soon as they try to bring this up.

It's a good old con, people in the country pay for the roads with general taxes (same as NZ) but can't use the roads without paying a private company who has nothing to do with the roads money (unlike NZ). The result is that I pay 4 times the price for insurance in the UK vs NZ for a car worth 30% of the price. Both places have similar %s of insured cars & you still have to pay if you damage someone's stuff with your car in both places. The only big difference is that in the UK the roads were privatized (you need to pay a private company to use them) & in NZ insurance is a competitive market (you choose to buy it if it's worth it).

What's the point of having 20 years no claims when insurance companies will only discount for 8 years. Then if you have an accident you lose them all. Insurance is such a scam.

43%? mine went from £410 to £1600 at renewal... told them where to stick it, and they came back with a £500 quote, they make it up as they go along.

Not only that, but in Romania, the prices for repairs are also insane. I was quoted 4000 EUROS for a small front right door and side skirt repair (granted, the side shirt was hit pretty badly). I repaired the car for 400 EUROS, paint and everything, in some dude’s back yard… The repair was top notch and if I ever need a repair and paint I’ll gladly take my money there. Seems like it’s a big pyramide scheme where everyone scams the next person in line, with the consumer being the one to support the cost of everyone looking to make an easy buck for little to no work.

I'm 22 from London and have had my BMW 1 Series since I was 18. My quotes since then went from £3000 / year in 2020 to this year paying only £950 / year for 2024. Surprisingly, I removed my dad as a second driver who has a full clean record with many years of no claims bonus since last year and my insurance premium dropped by 60% It really is just a lottery at this point and I honestly feel bad for the working class people who genuinely need insurance to commute to work in order to provide for their families but can't pay these prices

Car insurance is basically legalised extortion. You have to have car insurance, so the insurance companies are just taking advantage of the general public. The government should have a public enquiry into insurance companies The UK public is being fleeced by the insurance companies.

UK Car insurance needs a publically owned alternative that is fair and transparent. If its a mandatory cost to have to drive on public roads, then there needs to be a publically owned alternative.

The other biggest insurance scam is when you’ve got a no claims discount as a driver but you can use it only on one car.

Range Rover is so bad to insure that JLR started their own insurance arm. And even the JLR Insurance won't insure Range Rovers....

It’s the same in all industries. Just like our gas and electricity or fuel companies. They are all making absolute record breaking profits and upping their prices for no reason whilst the people suffer with a cost of living crisis.

My son just passed his driving test here in Spain he is 22. He drives a vrs Škoda Octavia estate with 177 bhp. And paid €460 total 3rd party fire and theft with breakdown cover. Uk is having a laugh. Not coming back 😡

I have 3 vechicals, Honda Fireblade, Fiat camper van and a VW Golf, 2 years ago I had a incident where a car overtook me and for no reason started brake checking me, I had all this on dash cam which I went to the police with, they asked me if I wanted to press charges, they didn't even investigate it, I also informed my motorhome insurance, they asked me to send the the dash cam video, they thanked me, 3 months later when my Golf insurance was due they quoted me £100 more, when I rang them and asked why they said it was because of the video they had put a marker on my policy, I told them they where penalising me for informing them of this person trying brake checking and trying to cause an accident, insurance is just a rip off

Watched the video last week and I'm amazed that you can insure your £500,00 car for 'only' £6,377. I've just received my renewal quote for my '01 Audi A8 3.7 petrol. Last year it cost £370 to insure, and this year it has increased to £523. Fully comp with full NCD and it rises by 41% because insurance companies just write off EVs when they get a scratch on the bottom of them. My car is only worth a couple of grand, and if it gets so much as a dent in any panel, it will be written off as it's made from Aluminium, as opposed to being repaired. Is it any wonder so many people are willing to not have insurance!

They are forcing you off the road as another form of control.

I ordered my Revuelto, but I canceled it after seeing this, so I sticked to my Mk2 Golf

I had a severe crash because the garage had the wrong parts mounted on a NEW vehicle. I spent 9 months recovering. The insurance used all kinds of tactics to get out of paying. It took 13 years for them to finally get me some minimal money.

You can blame lawyers. The legal profession is worth £50bn. That is £758 per man, woman and child in this country. We end up paying for it indirectly in higher cost of goods and services. Regulation is good business. All those unsolicited phone calls 'have you been involved in an accident'

“Yes we know you’re driving a ‘09 Corsa but there’s a chance you might hit a 2024 Range Rover, so that’s why you need to pay us 270£ a month”. This is exactly what an insurance company told me after i passed my driving test 😂.

UK INSURANCE IS MAD HERE I DRIVE A MAZDA 2 AND I PAY OVER £2,000. WE THE UK PEOPLE ARE BEING RIPPED OFF!!!!

An old bloke hit my car in a carpark last year. All went through insurance and my insurance company charged the other £250 per day for my curtesy car….a vw polo. They are vastly inflating prices so that’s one reason our premiums are sky high.

Here in Australia we have compulsory third party (CTP) built into your car registration costs for personal medical cover for injuries or deaths to other people. There is no compulsory car insurance, although we do have the choice of insurance for third party property (which covers damage to other vehicles and property) or comprehensive insurance (which covers damage to your vehicle plus other vehicles and property). So long as you register your car (which includes CTP) it is up to you whether you want third party property, comprehensive insurance, or no insurance.

Here in Thailand, it costs $24 usd per year for road tax. That includes full liability insurance coverage for one full year. My medication costs nearly $200 per month in the states, and it only costs $1 per month in Thailand. It's the same exact medication made in USA. Insurance companies are criminal organizations that must be brought to justice.

Other countries allow you to insure the car as opposed to the person individually and it makes so much more sense and saves a family so much more money, that's the way to go

If car insurance is a legal requirement then they need to change law to ensure everyone is entitled to insurance

Why not just get insurance, without collision? If you aren't insuring the car itself, you should be able to get insurance easily, so you can register it for the road.

Insurance in the UK is a scam, I pay around 400€ per year for a 2019 golf gti tcr (edit: I dont live in the UK, couldn’t dream what it would be in the UK)

Insurance companies are pure organised crime. My wife was kicked out by Admiral because "she used her brakes too much". A Porsche Cayenne Turbo has good brakes but is that a reason to cancel an insurance? It's no different in Germany. I've had one claim in my entire 25 years of driving and the insurance cancelled the policy. It took 6 months to find a policy for my BYD Seal and I'm paying €1300 a year! Regulators need to step in.

We are very fortunate here in South Africa when it comes to insurance. The insurance companies are calling us non stop to do business with them. Your premiums in the UK are crazy.! I pay the equivalent of 130 Pounds a month for a G42 BMW m240i.

26:05 Almost hit my head on the table dodging that ball! 🤣🤣🤣

Just to inform you. Here in Portugal are going up also. But there's 1 thing totally different. Has it is mandatory to have insurance, if no insurance company insures you, the regulator by law, forces 1 company to give you insurance for a designated price. So, everyone can have insurance. The UK, should be the same.

Car insurance in UK is a scam. i have insured my A4 B7 2.0tdi from 2005 with a company with 1500 gbp/year, fully comp, and then i looked for other companies an Lloyds was asking me for 5k, and Sainsbury was asking me for 7k. its a scam because there is no law to control how much is too much in this country

I’m 53 years old, I own my 2011 Renault Megane 1.5 dci estate & it cost me £156 to insure this year, fully comp. This is £4 less than last year with the same insurer. Full no claims, clean licence held since 1996. I do however hold several licence categories, full bike, HGV & PCV

The important point is to read the policy document. I got burned when it said that if a car is 'written off' they keep the rest of the premiums. So there is more incentive in them to write-off the car, then repair it.

I got hit by a women who made off. Even though the police had her on traffic cameras driving the car they said didn’t have enough evidence to prosecute her. I paid for my own damage as it would have increased the cost of my premiums more than the cost of the repair.

There is a lack of competition. Companies take over one another and there are a fewer and fewer players. It has happened in the US. It is happening in the UK.

Insurance is a pure scam. If you injury, harm or damage property or person, your naturally liable. It's called "law". You pay because they say you have too, pure lies and decept!

Insurance is a fucking joke. Someone reversed into my parked car the other day, and my insurance company is refusing to pay out... i pay £2,700 a year for a fucking citreon DS4 2.0litre. I'm fucking fed up with this country and I cannot wait to leave

"Why is car insurance so expensive?" - Simple - because the people of this country don't fight back. They just bend over and take it. If everyone refused to get car insurance, problem solved - but nope. "Moan moan moan, pay it anyway".

Genuine service to the people this video. Really like a lot of your videos especially where you do a mini undercover documentary on car related topics like the keyless theft one recently and the GT3 buyers block. Keep it up Mark

Funny story regarding insurance over here in Germany. A mate of mine and I (19&20 yo) have been thinking about getting ourselves our first cars this year and had a dabble in the car insurance plans yesterday. Both with the same insurance company. We found a few differences in what the car, parents, jobs, vehicle owner, time of no claims and such make. What started as just messing around to see what changes what in the price ended in us testing the same car with our own personal data. Only to find out he would pay about 800€ less than me for his insurance. Bearing in mind I've had my license for just under a year longer than him and being a year older. We then tested the same car on the same website with the exact same data at all points (even date of birth, parents, occupation etc.) and it still made a difference of 400€ in his favour. With no difference except the browser running on a different pc elsewhere. I have absolutely no idea how that makes any sense. But I guess that's insurance for you....

Its expensive because its a legal requirement and its (effectively) completely unregulated. In countries where its not a legal requirement, you can get insured on anything AND its cheap.

Guess we should all take public transportation and live in pods. Sounds like the way we are being forced without actually being forced by laws.

Well done mark buddy 👏🏻 this is probably one of the best insurance videos I have watched, great content.

I’m 34 years old, don’t have a drivers licence because the cost of the car, insurance, tax and MOT don’t make sense to me - I do have a private pilots licence and the insurance on my C42 aircraft is cheaper than getting insured on my partners XC40

One company goes up so another see’s them go up so they say hey we can too lol. So then another and another . Greed ! There’s no reason every company should go up on prices other than greed

WE SHOULD HAVE REGULATIONS IN PLACE SO INSURANCE COMPANIES CAN’T OVERCHARGE US

This is the government ridding private car ownership to the public. banks have started to refuse bank transfers automotive related.

My friend and I both own modified Datsun 240Z's. In addition to engine and drivetrain mods, his Z looked like it just came off of a race track, with a giant wing, a roll cage, and stickers all over it. Mine looked relatively stock by comparison. We used to be insured by the same insurance company and we had to disclose all of the modifications and provide pictures of the cars. There were no issues for several years. Then one year, when our policies came due for renewal, my policy was cancelled due to the car being 'modified for racing or performance'. Not only was his policy renewed, he received a thank you letter for his business! It seems there's no rhyme or reason to it. They may as well be basing their policies on reading tea leaves.

Ive just changed from a petrol mondeo titanium x sport to an octavia vrs and my insurance company wouldnt insure me. I'd been with them 10 years, no claims at all, clean licence, 3000 miles a year same address, same job. Im 65. Its absolutely ridiculous

Another point you’re missing is your website cookies EVERYTHING is tracked so if you search over & over again they end up just giving the same quote or higher. Always use private browsers, vpn etc

Glad to see you got things sorted. Good luck with the car and thanks for taking the time to chat/take a selfie at FoS!

When you make a claim against a 3rd party via the small claims courts independently, your insurer gets pissed off and tries to defend the 3rd party. Jokers!!

Poland - one year of basic insurance for 1998 passat B5 - 70£ a year. Netherlands - Skoda superb nov 2019 full cover 13 years no claim - from 550£ a year

Uk insurance companies have always conned the motorists in the uk. If you look back over the last 50 years, the insurance companies have used loads of reasons to put insurance policies up. First it was to many keys fit the same vehicles, then it was key fobs, immobiliser, then alarms, post code, area you live in, then age, keyless entry, that vehicle is stolen a lot etc… Now insurance companies don’t even send out assessors, they go by photos for crash vehicles. Going on a dealership to fit the vehicle. They will never use local small garages, even tho most dealerships farm the body work out to them local small businesses to fit them. So instead of dealing with a small local business that could repair the vehicles at a third of the cost of a dealership they right the vehicle off. Then every one’s policy goes up. As for young drivers this is also another big con. Because if you goto Europe young drivers are not charged over the odds by insurance companies. Yet in the uk, young drivers are completely victimised by insurance companies. Most insurance companies in Europe are subsidiaries of the British insurance companies. Years ago an mep in Germany did a test, getting two people one in the uk and another in Germany, both the same age, both passed their test in 5he same week. The German went to a Mercedes dealership got an A class drove out with it on the same day, had insurance by a British insurance company subsidiary. The British person couldn’t get any insurance at all. Insurance in Europe has not gone up, like it has in the uk. Because the uk is subsidising Europe. This is very clear. Then you come to how vehicles are stolen, in Europe the vehicles can quickly be stolen and out of the country because of the roads systems. In the uk they get out via a port. But ferry ports are not forced to have anpr cameras or check vins for a vehicle leaving the uk. The same with container ports in which 85% of vehicle get out of the country. The insurance companies and police are not forcing these ports to do proper checks on the vehicles going in containers or leaving via a ferry. They just up the costs on the people who have to get insurance for their vehicles instead. Insurance companies never deal with the problem. The police also help the insurance companies by policing the roads, on their behalf. Blaming someone that has no insurance is not the problem, the problem is the insurance companies over charging for insurance. Those with no insurance driving on the roads is about 2% of all those driving on the roads. The copper in this video is just try I goto justify the police going after those without insurance, which is a waste of taxpayers money. As most towns have anpr cameras on entering them, so no need for the police to waste time driving around trying to get them. When a town has anpr cameras, then they could let the police know. In other countries insurance is only on the vehicles no matter the drivers. But in the uk insurance is done on the driver and the vehicle. Insurance should be fixed in price set at a max going on the value of the vehicle so vehicles under £50k and drops from that point, for example max insurance for a car should be £1000 per year, and drop year on year. In Europe the average is around £500 per year. Motorcycle should be max £500. Vans max £1000 per year. An the prices should be set every two years within the government’s budget. Then insurance companies cannot keep ripping the uk motorists off.

One of the issues with insurance is these companies offering hire cars in a non-fault accident. The Mrs’ car was hit on a roundabout and was given a hire car for 3 months. The cost of the repair was about £5k but the cost of the hire car was £9.5k!

if there are dealer plates over there, u can start llc “open shop” apply for dealer plates and insure the dealer plates through llc/company since it’s a separate entity

this shit should be illegal. If its illegal for me to drive whiteout insurance, it should be illegal not to insure me when i ask for it.

Finally someone in the UK has said and proven the truth, this is car insurance fraud, it has a negative impact on people preferring to stay at home on benefits! Why is insurance in Poland for every citizen and for every budget? The car is worth two thousand and the insurance is seven thousand! Someone needs to stop this and it needs to be publicized so that everyone understands that it's a scam!

Funny how arrival is up there. Having to renew with my current insurance, multi car policy, i called them up asking to price match arrival (they are like a subsidiary of them) - their first answer was “we can transfer you to arrival to renew there , we won’t be price matching your renewal quote”. I was shocked. It’s like they don’t even want to insure us anymore. To note i was with this company for around 5-6 years now continuously renewing with them, and zero claims whatsoever, not even a windshield repair claim , nothing.

Thanks Mark for putting this out, with all this price rise people still drive ignorantly without due care and attention.

TOP TIP - For comparison sites don't make too many changes one after another on the same account. Use an incognito window and a different email address. I tested quotes by changing mileage and occupation to find the best price and after 10 changes my original quote setup (mileage, occupation etc) had jumped up by £500. Using a few different email addresses and a few tweaks I got it down by almost £500.

Some extra tips a friend in insurances gave me. - street outside home. (Because if you had a house fire it wouldnt get damaged, where as in a locked garage it would) - set the start date 21 days in advance (thats the absolute sweet spot.) -millage also goes off your occupation, so camera man who does 8000 miles a year, may seem like hes not getting a lot of work, or maybe youre getting paid more to do less. Also its about time spent in the roads if you do 20k a year, thats a chance that every extra mile you drive may cause damage, have a crash or worse. So you need hit a good inbetween, i usually go for the 5-8k miles. -occupation, you want to go for the one that describes your job but with the least risk, the least chance of crashes, theft, breakdown etc . Its a insane. But try those.

Sooo very good to know you're alright. I have been concerned about your absence. I really appreciate your time and effort to make this interesting and quality vlog...

Marc, thank you for taking the time to stop and chat at goodwood on Friday. Made my day and finding out about the scammers. I don't feel to bad that my range rover insurance is £3000 a year now 😂 but that's more than doubled over the past two years. Guess living at the bottom of the UK has some perks 😂

Insurance has gotten ridiculous here in the States as well. A few months back, I got a nearly new 720S with a half a million dollar MSRP, and Hagerty refused to insurance it even though all my records are clean. I had to get another company to insurance it. This of course costs more since the McLaren is on a policy by itself separated from the other super cars! Hagerty stated they will be happy to insure the 720S after one year ownership. Translation "We want to see if you'll crash your car in the first year. If you don't, then we think you know how to drive it and we will insure it...!"

Its a scam. After 4 years fighting my insurance company after somebody crashed into me 50mph head on im still injured and was forced to take £5000 otherwise i was liable for court fees over £20K i'm still injured and pay for my own physio regular. Lost well over 10K in the process with time off work and expenses i never claimed for, all i wanted was my injuries fixing. They refused to pay for more treatment and scans so i tried to claim for my losses but i never had a sick note as im self employed so that got rejected and my private physio isn't vat registered so i couldn't claim anything. I'll never be the same my back, hip and neck/shoulders hammered but im full of shit apparently (solicitor said its just wear and tear on my body). The oppositions insurance must of been a sister company to mine or visa versa because they had no interest in fighting my case they gave me all the wrong advice or lack of it and got funny with me multiple times after calling out their BS.

In Australia the person liability insurance of driving is separate from the vehicle. Whilst insurance for the injury against yourself and others is mandatory, the vehicle insurance is not.

Wild how insurance work on the outside of my country Malaysia. We pay according to the car's value, not experience, not age. And every year (max 5 years without any claims) we can rack another 55% discount called Non Claim Discount so that halves the total insurance we need to pay annually. And we still get up to RM3 million to every car insured. In case a RM5000 car hits a RM3 million car, it's still insured.

Put the cars in a company name and get it insured as a business car, which it is as you use it to generate income.

I’ve just amended my car insurance from parked in a locked garage to public road after watching your video and got a refund of £130, I’ll happily park on the street outside my house to save a bit of insurance money! Thanks mark

I didn’t know you guys were paying these kind of insurance rates across the pond that’s crazy. I pay about 3-4K a year for 2 SUV here in the states

Insurers jumped on the back of almost every other consumer driven service provider and ramped up prices for profits... and we all take it. Food, energy, rent, mortgages, utilities... all trying to bleed you dry. No doubt in preparation for digital currencies. It's easier to implement if no one has any money to convert. Net Zero is what you'll have by the time they're done with you.

I've watched car channels for over a decade. Love the informative nature and not-shouting in your videos. And thanks for not clickbaiting us.

Lol I am loving Mark McCann doing the DMO shifts on the simulator 😂😂😂😂

Love watching your vids mark just shows how much they make out of people who don't adjust things

The reality is, they are the only industry who are allowed to apply prejudice to justify excessive pricing on insurance. It’s only excessive because it’s a legal requirement.

Love these videos mark. Very interesting. Keep up the good work.

Whilst ive been VERY sick of being robbed more then ever these last few years - this was a great watch!

I've jumped through these nonsensical insurance hoops every year for car and bike insurance. They know we play with the options, we know we play with the options, why bother other than to frustrate buyers?!

In South Africa the premium for third party injury insurance is built into the price of petrol. As far as insuring vehicles against damage you can insure against damage to someone else's vehicle (it costs me 120 pounds per year and doesn't cover my 1964 w110 mercedes against damages but does cover anything it collides with or I can get fully comprehensive insurance for 600 pounds with an excess)

One of the reasons why insurance has increased so much is due to electric vehicles. Most insurance companies tend to write these cars off because there are not enough specialized repair centers to repair these vehicles in the country. Most of these vehicles are designed as skateboards, where the battery pack is the main structure of the vehicle. As soon as there’s any damage to any other structure, they just write it off. As you are aware, many of these vehicles are very expensive, and insurance companies need to cover the full price of a new vehicle. As a result, everyone else gets penalized. An insurance company is never going to take the hit; it’s always going to pass it on to the rest of its customers.

Start your own insurance company 😎

you can try to register a business, specifically for tourism for tours in cars, register the car under the business and insure the car under the business. Although the business may need to have enough value too. A lot of people without insurance actually get away even in an accident. When i look at the video of your collection theres a few things you can improve to improve the risk, such as cover, conditions for parking. Supposedly there are factors of how you park the car that affects the cost to insure too. In my country if you crash into something you are liable to paying it, insurance only handles car/driver medical.

I just came back from Shanghai and they have brilliant public transportation. The bus cost 10 pence and arrives every 10 mins. The subway cost 10 pence and arrives every 10 mins. Roads are large with dedicated cycling/ walking lanes. In Shanghai you can travel easy on a bicycle. In the uk you will get ran off the road by a chav in a uninsured vehicle for fun.

The correct term for this phenomenon is 'enshittification'. By law, companies are forced to min-max profits for shareholders so everything gets more expensive and worse at the same time. This happens in pretty much every corner of the economic spectrum. A prime example are supermarkets. Crying about increasing prices, having to increase prices themselves to stay afloat -> x2-x4 EVERYTHING in price over a few years, make record profits year over year and STILL blame consumers for buying less and less. Its pathetic.

my renewal was £2.1k. slightly up from £750 I paid the previous year. 39 year old with 19 years NCB and no change in circumstances!! lovely!

I was having this conversation with a mate the other week. For a laugh I though I'd get some quotes and see what they'd charge me. For my mates shitbox 1.2 fiesta £1.2k (For him it was £1.4k), for my dads 2.0 Astra £1k. There's no rhyme or reason to it, I swear they just pull a figure out of a hat.

My Dad bumped his 2022 Toyota CHR last year and needed a new wing, a new front bumper and a wheel replaced. It took the insurance company a year to repair it simply waiting on parts 😢

one big thing that i have discovered, especially for us younger/new drivers, is a multi car policy. it's essentially a group of different policies under one, where you might have your car insurnace, parents, house insurance etc, and almost as a reward for having all of the policies under one company, the price is significantly cheaper. I think my first year of driving, switching to the multicar policy after about a month, got me somewhere in the region of a £200-300 refund. it's also made my insurance on my current car a lot cheaper for my first and second renewal, and i imagine it'll do the same when it comes time to renew again

Got a quote other day for a cheap runner. 2009 Golf £2,000 22 years old no crashes etc Without a black box £5,500 annual

Insurance is a scam. Just take a look at what their executives get paid, including bonuses. No matter what, our premiums go up every year, even if we don't claim. And, guess what, it's way over the inflation rate.

Insurance companies have a legal right to print money.