Insurance Insurance - Page 2

ADT · 14th March 2008, 14:40

The car we had insured with Elephant had no mods. We didn't go with Elephant with the Civic, but including the upgrade alloys increased the quote from them by a little bit They seem to ask the same questions about modifications as everyone else.

loz · 14th March 2008, 14:46

A sex-change is the best way to bring the cost way down...

OK, its only a 1.4i, but my 17 year old daughter with 8 months licence is only paying £1300 for her new civic SE+, and when it comes up for renewal in a couple of months they told her she will get 30% no claims and it will be a bit cheaper as she will then be 18 (in a couple of weeks). That's entirely in her name. No named drivers or anything.

That's from Tesco Value insurance - who in her/our experience are very good. Someone ran in to her last car, and they gave A+ service sorting it out and getting her excess back and everything. Recommended.

dave525 · 14th March 2008, 15:29

Quote:

Originally Posted by loz

A sex-change is the best way to bring the cost way down...

OK, its only a 1.4i, but my 17 year old daughter with 8 months licence is only paying £1300 for her new civic SE+, and when it comes up for renewal in a couple of months they told her she will get 30% no claims and it will be a bit cheaper as she will then be 18 (in a couple of weeks). That's entirely in her name. No named drivers or anything.

That's from Tesco Value insurance - who in her/our experience are very good. Someone ran in to her last car, and they gave A+ service sorting it out and getting her excess back and everything. Recommended.

My son has a Type R and he is the main Driver on the policy, I am a named driver and it brought his premium down by £317 and means that I can drive his car if need be and I am fully covered, if I drove it on my insurance I would only be covered third party

loz · 14th March 2008, 15:37

Quote:

Originally Posted by dave525

My son has a Type R and he is the main Driver on the policy, I am a named driver and it brought his premium down by £317 and means that I can drive his car if need be and I am fully covered, if I drove it on my insurance I would only be covered third party

Ah, but as I had a recent claim on my insurance, when I was added as a named driver on her last car, they put the price up!

dave525 · 14th March 2008, 16:41

Quote:

Originally Posted by loz

Ah, but as I had a recent claim on my insurance, when I was added as a named driver on her last car, they put the price up!

Insurance is baffling, my wife is a named driver on my policy, she had an accident last year, when I renewed my insurance I told them to remove my wife from my insurance as she had made a claim on her insurance and I was amazed when the response was that it still came out £29 cheaper to leave her on the policy

loz · 14th March 2008, 17:05

Quote:

Originally Posted by dave525

Insurance is baffling

In my case, the claim on my insurance was actually because of our son who is a named driver.

However, even though it was me as the named driver on my daughters car and no mention of our son, they still increased the premium on her car because of the claim on my insurance which was no fault of mine ....

jazzman · 14th March 2008, 17:12

Quote:

Originally Posted by dave525

Insurance is baffling, my wife is a named driver on my policy, she had an accident last year, when I renewed my insurance I told them to remove my wife from my insurance as she had made a claim on her insurance and I was amazed when the response was that it still came out £29 cheaper to leave her on the policy

You are talking about car insurance so don`t look for any logic.

dave525 · 14th March 2008, 17:19

Quote:

Originally Posted by jazzman

You are talking about car insurance so don`t look for any logic.

I totaly agree with you, when I renewed my insurance 2 years ago I did a search on confused.com and saga quoted me £167, some of the others went to around £400, I could not understand the vast difference in prices. I have been driving for 34 years and never had to claim. How do they work the premiums out ?

jazzman · 14th March 2008, 17:22

Quote:

Originally Posted by dave525

I totaly agree with you, when I renewed my insurance 2 years ago I did a search on confused.com and saga quoted me £167, some of the others went to around £400, I could not understand the vast difference in prices. I have been driving for 34 years and never had to claim. How do they work the premiums out ?

That`s why it`s called CONFUSED.com

TTDegs · 14th March 2008, 23:12

It's all largely down to target markets and loss leaders...

Saga, for example, will only offer insurance to people over 50.
They only compete in this market, and in their experience, they know how much they expect to have to pay out on average per person they insure.

Plus, they then have a 'hook' into you.
They know (generically) about the sorts of products / offers which people over 50 are interested in, and again, becuase they specialise in this, they are probably pretty good at it by now.
And they know that becuase you have insurance through them, there is a good chance that you will at least open an envelope from them, instead of just chucking it in the recycling along with all the other junk mail.

Tesco insurance work in a similar way, but obviously with a different audience.

And so do all the rest

As a test, especially for any of you out there living at home with your parents

Run both your sets of details through confused / Tesco / moneysupermarket / your own favourite insurance comparison web site.

I would be willing to bet that the best quote for you is not from the same people who give the best quote for them

Jack The Lad. · 14th March 2008, 23:33

That's so true TT.
As Saga, were so much cheaper for me with the car, I asked them for quote's on my house contents and buildings insurance.
Another- nearly £200 a year saved.

NH Dan · 15th March 2008, 14:45

In general, if you claim, no matter who's insurance you are on, your premium will increase as you are proven to be a greater risk than previously. If you get added to another policy as a named driver, even though you may have in the past been able to bring the premium down (lower risk, more responsible etc etc) if you have had a claim then you lose that. Women are a different kettle of fish as the discounts they get for being ladies, by far out weigh the claim potential (no matter what us guys say or think) therefore, even though a previous posters wife had had a claim, taking her off the policy left the male as the sole driver and only risk - statistically a greater risk.

All insurance risks etc are based on statistics, the likelihood and potential for a certain event to occur.

dan00001 · 16th March 2008, 12:09

Quote:

Originally Posted by Milano Type S

I'm 19 with no no claims. Direct line £1833
for a brand new type S

just tried direct line and it came up with £3272 a year but when i accidently put my title as Mrs instead of Mr it came up with £1979 !!!!!

britsbest · 16th March 2008, 15:43

£120 fully comp £100xs prot bonus for Mrs Brits on her 1.6 golf! No this aint an advert !!!

Dimplyred · 16th March 2008, 15:47

I've just done mine with Esure through Tesco Compare It cost £281 fully comp with protected NCD for me and the wife.

Marc_Type_S · 17th March 2008, 08:32

best quote i have got is 450 quid fully comp from Elephant for a type s gt.

I'm 22, 1 year no claims, 1 accident at fault last year - 1050 quid payout

i live in a good neighbourhood in the sticks so cheap as chips up here

Coldwarkid · 17th March 2008, 20:03

Quote:

Originally Posted by Dimplyred

Tesco Compare

"No insurers could quote based upon the details that you provided"

Sweet!

Dimplyred · 17th March 2008, 20:08

Quote:

Originally Posted by Coldwarkid

"No insurers could quote based upon the details that you provided"

Sweet!

I wonder why, I got loads of prices.

Why do you think that was, are you quite young.

Coldwarkid · 17th March 2008, 20:45

Dunno why, am 23 and live in a good insurance postcode.

They had the cheek to send me an email saying the quotes generated for me are only valid for a limited period of time.

Jack The Lad. · 17th March 2008, 20:53

[quote=
They had the cheek to send me an email saying the quotes generated for me are only valid for a limited period of time.[/quote]

That's pretty much normal.

Otherwise, it would be a bit like Northern Rock stating at their AGM a year back that their shares "Will Not Fall".

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This thread is about: Insurance, it's in Buying, Dealers and Servicing at the Honda Civic forum Civinfo; The car we had insured with Elephant had no mods. We didn't go with Elephant with the Civic, but including the upgrade alloys increased the ...

14th March 2008, 14:40	#21 (permalink)
ADT Valve Cap Join Date: 17th January 2008 Location: Central London, UK Posts: 29 Thanks: 0 Thanked 0 Times in 0 Posts	The car we had insured with Elephant had no mods. We didn't go with Elephant with the Civic, but including the upgrade alloys increased the quote from them by a little bit They seem to ask the same questions about modifications as everyone else.

14th March 2008, 14:46	#22 (permalink)
loz Valve Cap Join Date: 7th March 2008 Location: Thames Valley, UK Posts: 8 Thanks: 0 Thanked 0 Times in 0 Posts	A sex-change is the best way to bring the cost way down... OK, its only a 1.4i, but my 17 year old daughter with 8 months licence is only paying £1300 for her new civic SE+, and when it comes up for renewal in a couple of months they told her she will get 30% no claims and it will be a bit cheaper as she will then be 18 (in a couple of weeks). That's entirely in her name. No named drivers or anything. That's from Tesco Value insurance - who in her/our experience are very good. Someone ran in to her last car, and they gave A+ service sorting it out and getting her excess back and everything. Recommended.

14th March 2008, 23:12	#30 (permalink)
TTDegs Super Moderator Civinfo master Join Date: 4th August 2006 Location: Cardiff Posts: 5,638 Thanks: 0 Thanked 0 Times in 0 Posts	It's all largely down to target markets and loss leaders... Saga, for example, will only offer insurance to people over 50. They only compete in this market, and in their experience, they know how much they expect to have to pay out on average per person they insure. Plus, they then have a 'hook' into you. They know (generically) about the sorts of products / offers which people over 50 are interested in, and again, becuase they specialise in this, they are probably pretty good at it by now. And they know that becuase you have insurance through them, there is a good chance that you will at least open an envelope from them, instead of just chucking it in the recycling along with all the other junk mail. Tesco insurance work in a similar way, but obviously with a different audience. And so do all the rest As a test, especially for any of you out there living at home with your parents Run both your sets of details through confused / Tesco / moneysupermarket / your own favourite insurance comparison web site. I would be willing to bet that the best quote for you is not from the same people who give the best quote for them

14th March 2008, 23:33	#31 (permalink)
Jack The Lad. Supporter Rocketship door handle Join Date: 28th August 2007 Location: ENGLAND Posts: 1,433 Thanks: 0 Thanked 11 Times in 11 Posts	That's so true TT. As Saga, were so much cheaper for me with the car, I asked them for quote's on my house contents and buildings insurance. Another- nearly £200 a year saved.

15th March 2008, 14:45	#32 (permalink)
NH Dan Newton Honda Magic Rear Seat Join Date: 31st January 2008 Location: South London,Uk Posts: 715 Thanks: 9 Thanked 7 Times in 7 Posts	In general, if you claim, no matter who's insurance you are on, your premium will increase as you are proven to be a greater risk than previously. If you get added to another policy as a named driver, even though you may have in the past been able to bring the premium down (lower risk, more responsible etc etc) if you have had a claim then you lose that. Women are a different kettle of fish as the discounts they get for being ladies, by far out weigh the claim potential (no matter what us guys say or think) therefore, even though a previous posters wife had had a claim, taking her off the policy left the male as the sole driver and only risk - statistically a greater risk. All insurance risks etc are based on statistics, the likelihood and potential for a certain event to occur.

16th March 2008, 15:43	#34 (permalink)
britsbest Supporter Triangular Exhaust Join Date: 9th September 2006 Location: Cheadle Hulme Posts: 228 Thanks: 2 Thanked 0 Times in 0 Posts	£120 fully comp £100xs prot bonus for Mrs Brits on her 1.6 golf! No this aint an advert !!!

16th March 2008, 15:47	#35 (permalink)
Dimplyred Type R GT 09570 Civinfo guru Join Date: 24th August 2007 Location: Staffordshire Posts: 3,253 Thanks: 16 Thanked 41 Times in 41 Posts	I've just done mine with Esure through Tesco Compare It cost £281 fully comp with protected NCD for me and the wife.

17th March 2008, 08:32	#36 (permalink)
Marc_Type_S Valve Cap Join Date: 29th February 2008 Location: falkirk Posts: 15 Thanks: 0 Thanked 0 Times in 0 Posts	best quote i have got is 450 quid fully comp from Elephant for a type s gt. I'm 22, 1 year no claims, 1 accident at fault last year - 1050 quid payout i live in a good neighbourhood in the sticks so cheap as chips up here

17th March 2008, 20:45	#39 (permalink)
Coldwarkid Locking Wheelnut Join Date: 5th February 2008 Location: A van down by the river Posts: 160 Thanks: 0 Thanked 0 Times in 0 Posts	Dunno why, am 23 and live in a good insurance postcode. They had the cheek to send me an email saying the quotes generated for me are only valid for a limited period of time.

17th March 2008, 20:53	#40 (permalink)
Jack The Lad. Supporter Rocketship door handle Join Date: 28th August 2007 Location: ENGLAND Posts: 1,433 Thanks: 0 Thanked 11 Times in 11 Posts	[quote= They had the cheek to send me an email saying the quotes generated for me are only valid for a limited period of time.[/quote] That's pretty much normal. Otherwise, it would be a bit like Northern Rock stating at their AGM a year back that their shares "Will Not Fall".