Your view on 'eye-watering' car insurance fees

"Disgusting" and "awful" and are among the phrases Newsbeat listeners and followers have used to describe additional fees they're charged by car insurance companies.

It's after consumer organisation Which? looked at 44 UK insurers and suggested some costs were "eye-watering".

The industry argued that overall, premiums had fallen and the market was highly competitive.
Here are some of your experiences compared to Which?'s findings.

Cancelling or renewing policies

The study found some people face costs of up to £75 for cancelling a policy.

That's exactly how much David was charged but Paul in Canterbury said his cancellation fee was bit more expensive though.

He said: "I paid over £100 on a policy worth just over £200 for a complete year.

"It was a hidden charge and disgusting that they just get away with it. Insurance in this day-and-age should be completely transparent and flexible."

This is something that The Association of British Insurers (ABI) agreed with.

It advised customers to read their policy documents carefully but said extra charges should reflect the costs involved.

Which? found that one company, 1st Central, charged £50 to renew a policy, while most other companies process renewals for free.

None of the people who got in touch had an issue with being charged for renewing their policy.

Adjustments

The study quoted a fee of £35, charged by IGO4, for adjustment fees like changing your name, your address or your job while five other companies did not charge anything.

Two students got in contact separately to say they have been charged £18 to changed the address on their policy.

Although this doesn't match the highest sum Which? quoted one of them, Jake who is studying in Sheffield, pointed out that this was an annual fee as he "moves every year" while he's on his course.
One person, who didn't leave their name, explained they were also charged £35 for each car they had when they have moved house.

Which? suggest making changes online could save you money

 

They said: "We moved twice over the last year bringing our total fees to over £150 for moving between a two-mile radius."

However, some people were charged a lot more than IGO4's fee to alter details.

An anonymous texter said they had been charged £69 to add their husband's name to a policy, while Robert in Sunderland had to pay £86 to change his address.

Gareth, from north Wales, says he was quoted £92.50 to adjust the address on his policy.
He said: "This was more than half my annual policy price - it was cheaper to cancel and find an alternative."

The biggest fee we were told about came from Liam, who got in touch on Facebook and said he was charged £100 for changing an address.

"They didn't even send me any new documents, absolutely disgusting!" he added.

Which? found that Axa Direct and Swiftcover both charged £30 to provide duplicate documents - again this is a service that is usually free.

None of our listeners or followers who got in touch described being charged for making copies of policies.

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