Insurance Insurance

[Martin Roberts]

Originally Posted by 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....

Our mileage is for 8000 which must help plus is being a wrinkerly an advatage

[hlxbravo]

Originally Posted by Dimplyred

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.

I went the usual Confused.com route, then tried Virgin as my house insurance is with them and they were cheapest. I tried Swiftcover last night after reading your post and tbh they can save me money but only about £20, bloody Brummie postcodes.

P.S.

[Dimplyred]

Originally Posted by hlxbravo

I went the usual Confused.com route, then tried Virgin as my house insurance is with them and they were cheapest. I tried Swiftcover last night after reading your post and tbh they can save me money but only about £20, bloody Brummie postcodes.

P.S.

Ta very much

[lobey dosser]

Originally Posted by hlxbravo

..... I tried Swiftcover last night after reading your post and tbh they can save me money but only about £20, bloody Brummie postcodes.

Likewise - I tried Swiftcover, but they were about £50 dearer (Bloody Glasgow Postcodes!)
Think I'll stick with Yesinsurance.co.uk who provided good service when the last car got shunted up the rear (oo, er, missus) last December.
And me excess is only £100!

[br1tt3n]

Just got a quote on a 07 2.2cdti Type S GT.

Company: Post Office

Age: 22

NCB: 5 years protected

Convictions/Claims: None

Price £497 fully comp (before employee discount )


Considering at the mo I'm paying £700 TPFT for my vtec prelude, I am over the moon.

x1000

[Dimplyred]

Originally Posted by br1tt3n

Just got a quote on a 07 2.2cdti Type S GT.

Company: Post Office

Age: 22

NCB: 5 years protected

Convictions/Claims: None

Price £497 fully comp (before employee discount )


Considering at the mo I'm paying £700 TPFT for my vtec prelude, I am over the moon.

x1000

That is a good price

[mjscool]

You can get that post office quote for less than £470 if you go through quidco.com

[cnicolini]

1. Model of Car - Type R GT
2. Cost - £665
3. Broker/Ins - Privilege
4. Excess - £250 (quoted me £100 cheaper if I had £500)
5. Limited miles to 15k per year
6. NCB - over 10 yrs
7. Convictions - 3 points SP30
8. Location - Hertfordshire
9. My age 38.

It pays to switch ins companys each year, Direct Line own Privilege, but quoted me £60 extra to renew my previuos policy. Thats customer loyality for you!

[matg]

1. Model of Car - 2.2 EX
2. Cost - £289 with NCB Protection, windscreen and legal
3. Broker/Ins - Direct Line
4. Excess - £250
5. No mileage limit but stated about 12k per year
6. NCB - over 10+ yrs
7. Convictions - None
8. Location - Cambridgeshire
9. My age 32.

[Jack The Lad.]

For you youngster's who have, or are considering putting your parents name down as the main driver of you car.
Listen to BBC radio 4 "Moneybox". on the BEEB website.
It was repeated last night & was Fridays edition I beleave.
They are not paying out and the lengths that the insurers are going to prove fraud is. --

[br1tt3n]

Originally Posted by Jack The Lad.

For you youngster's who have, or are considering putting your parents name down as the main driver of you car.
Listen to BBC radio 4 "Moneybox". on the BEEB website.
It was repeated last night & was Fridays edition I beleave.
They are not paying out and the lengths that the insurers are going to prove fraud is. --

I tried to put my mum on mine (who's been driving 15+ years with no claims etc) and my £497 premium went up about £50. Work that one out

Now you have pointed that out, its probably a good thing I didnt do it, although I'm not sure how they could prove the mother has not being driving at all for it to class as fraud!

[mrh339]

If you put down a parent as the main driver of a car in order to reduce the insurance premiums and have a claim do not be surprised to be investigated with the insurance company doing many checks to find out who the main driver of the car is. And if its not mummy or daddy then they will not pay out as the insurance will be invalid.

[Jack The Lad.]

They are even demanding to see invoices, petrol receipts etc.
Its not worth it.
God forbid it should happen, but if someone was killed, you would be taken to the cleaners, by everyone and his uncle.

[angie4m]

Originally Posted by Jack The Lad.

They are even demanding to see invoices, petrol receipts etc.
Its not worth it.

My last car was insured under my Mum's name, but she probably did end up driving it 60/70% of the time as we car share to work. (She took my car to work and dropped me off) Car was also parked at her place of work not mines. So I would have been sorted for producing invoices and petrol recipts as she paid for the fuel and invoices for the car were in the name of me, my mum and my dad.

This time my CTR is in my own name as its only about £50 more expensive than putting it in my Mum's name and she'll not be getting near it!

[mrh339]

Taken to the cleaners indeed, plus a lengthy custodial sentance a possibility.

[Jack The Lad.]

Good girl angie.
You know it makes sense.

[robbo51]

Originally Posted by br1tt3n

I tried to put my mum on mine (who's been driving 15+ years with no claims etc) and my £497 premium went up about £50. Work that one out ...........

I think I was following your mum the other day......Took me ages to get past her.....she was pushed right up to the steering wheel and only got out of second gear once!!!

[angie4m]

Originally Posted by robbo51

she was pushed right up to the steering wheel and only got out of second gear once!!!

And I bet that was so she could put it back into first lol!

[br1tt3n]

Originally Posted by robbo51

I think I was following your mum the other day......Took me ages to get past her.....she was pushed right up to the steering wheel and only got out of second gear once!!!

She must have been driving without insurance then because I didn't put her on in the end

After reading the above posts, I'm pretty glad I didn't!

[ctrdaveg]

Originally Posted by WonkySights

Can we list;

1. Model of Car
2. Cost
3. Broker
4. Age - optional
5. Years Licence Held - optional
6. NCB - optional
7. Convictions - optional
8. Location - optional

My Insurance details
1. CTR-GT, 08 on 57 Plate
2. £495
3. Direct line
4. 38
5. 21
6. full 10 years+
7. never
8. Cheshire

I Think i'm getting ripped off so in June i'll be looking around for a new deal when this one ends.
Any recommendations please from anyone would be appreciated