Insurance Insurance

[Bez]

Originally Posted by kamshaft

1. 2.2 sport
2. £600
3. Tesco
4. 21
5. 4 years
6. 3 NCB
7. 3 points
8. coventry

Don't know what you're crying about !! Near enough identical to you but I'm paying £500 a year more, so no sympathy from me fella !!

1. Type-S 2.2
2. £1100
3. Quinn Direct
4. 21
5. 4 years
6. 3 years NCB (also took Pass Plus as it made a huge difference to my insurance when I was 18 )
7. 3 points (SP30)
8. Bury

[kamshaft]

Originally Posted by Bez

Don't know what you're crying about !! Near enough identical to you but I'm paying £500 a year more, so no sympathy from me fella !!

1. Type-S 2.2
2. £1100
3. Quinn Direct
4. 21
5. 4 years
6. 3 years NCB (also took Pass Plus as it made a huge difference to my insurance when I was 18 )
7. 3 points (SP30)
8. Bury

you've just made me feel better, i thought i was being ripped off. cheers

[Unknownsoldier]

Thanks guys, I've gone to admiral and cut my cost of cover by 50%!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!!!!!!!!!!!!!

Fully comp etc. etc.

I'm one happy

Tom

[Unknownsoldier]

If I put my gf, it drops to 868 pounds.

Tom

[angie4m]

If you can add someone to your policy on the off chance they may use your car then do it! I have both my parents on mines as I car share with my Mum and my Dad likes to use my car when I'm not about as its a change from his M3 and reminds him of being 21 again.

Also its worth exploring what you put down as your occupation, mines can be deined by a whole host of things all meaning the same, but some descriptions can increase your insurance whilst others can decrease it.

If I put in i'm an Analyst it increases my premium by £50 from the quote when I put in i'm a systems analyst (cause thats what I am)

In the words of Tesco's 'every Little Helps!'

[Bez]

Originally Posted by kamshaft

you've just made me feel better, i thought i was being ripped off. cheers

Glad I could be of assistance !!

If I put my gf, it drops to 868 pounds.

I've got the missus insured on mine & it doesn't make any difference at all. I know people who've insured theirs & it's gone down a few quid, but didn't for me for some reason (even though she's older & been driving longer).

Don't particularly like her driving it but it comes in handy if I fancy a drink at the football...

[Unknownsoldier]

My occupation always goes down as student... I have no other formal employment.

Tom

[angie4m]

Originally Posted by Unknownsoldier

My occupation always goes down as student... I have no other formal employment.

Tom

Ah you see some insurance companies ask what you are studying. When my sister was at Uni she was asked what she was studying (nursing) and this made a difference also.

[Unknownsoldier]

Well I've never heard that, I suppose it because of the wild parties us History students are involved (Hahahahahahaha like hell we are........).

Tom

[Mint]

1. 2.2 SE
2. £235 (plus protected NCB, legal cover & guaranteed car hire = £313)
3. Direct Line
4. 41
5. 22
6. 12+
7. None
8. Bristol

[sw65]

£185 Swift Cover was my best quote

[Nitehawk]

1. Type S GT
2. £287 (Inc Hire Car, Legal Protection, protected NCB, £150 Excess (inc business cover A)
3. Direct LIne
4. 53
5. 35
6. 5+
7. SP30
8. Cambridgeshire

I expect if the add ons were included/excluded on these posts there would be quite a difference in the actual premium

Just a thought....... For those of you who are unaware. I get my insurance by going via quidco.com website. In a nutshell you still end up at the car insurance site you were looking at but via a host site (quidco). When you register and purchase via the quidco system you get a casback into your bank account on average within about 2 months. If you want to know more I'd be happy to help. Even on house ins I have just had a cashback return of £100....... No bad eh!! (Takes away some of the painful insurance costs)

[JoeyF]

1. 1.8 Sport
2. £345
3. Privilege (Internet not over the phone)
4. 30
5. 12 Years
6. 10 years
7. None
8. South Yorkshire

Internet was £200 cheaper then over the phone with the same company?!?!?

Fully Comp £150 excess, and the wife is on the insurance.

[collierm]

1. 1.8 EX I-Shift
2. £305
3. Admiral
4. 39
5. 20ish
6. 5+
7. 1 Speeding, 3 points 4.5 years ago.
8. Shropshire

With wife and I on policy with business insurance.

[Martin Roberts]

[quote=WonkySights;1594]Can we list;

1. ES 1-Cti 2200
2. £187
3. Saga
4. 68
5. 49
6. 9 years
7. SP30
8. Fairlight East Sussex

[Essexboy]

1. Model of Car - Type S GT 2.2 CDTi
2. Cost - £430
3. Broker - Elephant
4. Age - Late 20's
5. Years Licence Held - 12+
6. NCB - 6 I think
7. Convictions - None, ever
8. Location - Essex

Mine seems expensive compared to a lot of people, especially as I've got no convictions or claims.

Could be coz I do high miles....

[Trekker308]

1. Model of Car - 2.2 i-CDTi Sport (remapped)
2. Cost - £260-ish plus £75 for Superchip
3. Broker - its4me.co.uk
4. Age - 61
5. Years Licence Held - 40 yrs
6. NCB - 1 year (long story - no claims though!)
7. Convictions - 2 x SP30
8. Location - Ringwood, Hampshire

[hlxbravo]

Originally Posted by Dimplyred

1. Type R GT
2. £257 fully comp and protected NCB
3. Swiftcover.com
4. Age - 36 years and wife 38 years
5. Years Licence Held - 18
6. NCB - 10 years
7. Convictions - None
8. Newcastle under Lyme, Staffordshire.

£257 !!!!! Oh why can't we swear on here....I would have a few choice words to share......

1. Type R
2. £650+ including protected ncb, £250 voluntary excess + £250 std excess (£500 total)
3. Virgin
4. Age - 38 plus wife 38
5. Years Licence Held - 21
6. NCB - Full, never ever had an at fault claim.
7. Convictions - none
8. Location - none
9. Birmingham post code <<---- may be the reason for the price.

[Dimplyred]

Originally Posted by Dimplyred
1. Type R GT
2. £257 fully comp and protected NCB
3. Swiftcover.com
4. Age - 36 years and wife 38 years
5. Years Licence Held - 18
6. NCB - 10 years
7. Convictions - None
8. Newcastle under Lyme, Staffordshire.

Originally Posted by hlxbravo

£257 !!!!! Oh why can't we swear on here....I would have a few choice words to share......

1. Type R
2. £650+ including protected ncb, £250 voluntary excess + £250 std excess (£500 total)
3. Virgin
4. Age - 38 plus wife 38
5. Years Licence Held - 21
6. NCB - Full, never ever had an at fault claim.
7. Convictions - none
8. Location - none
9. Birmingham post code <<---- may be the reason for the price.

I posted this a while ago, now my delivery date is due I have decided to adjust the excess from £450 which is what the above quote was based on, and reduced it to £300 so the premium is now £303.
Have you tried swiftcover.com, I assume you have. Your premium does seem a little steep based on your driving history, unless, as you suspect it is your postcode that loads it.

[Dimplyred]

Originally Posted by Dimplyred

Originally Posted by Dimplyred
1. Type R GT
2. £257 fully comp and protected NCB
3. Swiftcover.com
4. Age - 36 years and wife 38 years
5. Years Licence Held - 18
6. NCB - 10 years
7. Convictions - None
8. Newcastle under Lyme, Staffordshire.



I posted this a while ago, now my delivery date is due I have decided to adjust the excess from £450 which is what the above quote was based on, and reduced it to £300 so the premium is now £303.
Have you tried swiftcover.com, I assume you have. Your premium does seem a little steep based on your driving history, unless, as you suspect it is your postcode that loads it.

Oh, and my age has changed I'm 37 today