Insurance Anyone know any good insurance companies?!

czechplastik · 11th November 2006, 23:40

Hey,

Being only 21 tender years in age my insurance company doesn't view my 2.2 I-CDTI in very good light being classed in group 11. My new quote leaves little change from £1900, the car repayments aren't cheap either but I'm prepared to stick them for the love of my car. At the minute it seems I'm going to work just to allow me to drive my civic. If anyone could direct me to some reasonable insurers who could offer me a slightly better deal it would be much appreciated.

Thanks!

Andrea · 11th November 2006, 23:49

you cant expect ANY insurance company to view you the same as anyone else, EVERY single person gets different insurance quotes based on the details given by them, insurance is based on everything, from age through to colour of car, so for example, if more silver cars of your type have been stolen than black ones then that can make difference.
best thing to do is ring around/get a quote online for as many companies as poss as there could be a huge difference in what you get quoted as what someone else does.

AL56 · 12th November 2006, 00:12

Hi Czechplastik go to monysupermarket.com You will get a lot of ouotes of them. Hope you find something cheaper.

czechplastik · 12th November 2006, 01:16

Thanks for the help you two, i'll give it a go, hate being ripped off!

Paddy

TTDegs · 13th November 2006, 20:08

confused.com is always worth a look too

Nick · 13th November 2006, 21:50

try elephant.co.uk, norwich union direct, or tesco insurance. very good for young drivers.

czechplastik · 17th November 2006, 02:27

Cheers people, you would think having a police advanced course and pursuit training would help!

AubreyS · 17th November 2006, 08:35

Try.... http://confused.com/

Enter all of your details and it will come up with the best cheapest quote.

Knat · 21st November 2006, 16:10

If you can't afford to pay it in one lump then Virgin are good because they don't charge you interest over the 12 months. Can make a quote quite a lot cheaper doing it with them

phil · 9th January 2007, 17:54

i have to agree with AL56's advice the moneysupermarket one was really good for me http://www.moneysupermarket.com/motor/

got my insurance off there with a quote from kwikfit for just over £225 its startin to come down now me no claims is buildin up, up to 5 years now, anyway try that one

boltonbrowny · 9th January 2007, 20:44

Quote:

Originally Posted by czechplastik

Hey,

Being only 21 tender years in age my insurance company doesn't view my 2.2 I-CDTI in very good light being classed in group 11. My new quote leaves little change from £1900, the car repayments aren't cheap either but I'm prepared to stick them for the love of my car. At the minute it seems I'm going to work just to allow me to drive my civic. If anyone could direct me to some reasonable insurers who could offer me a slightly better deal it would be much appreciated.

Thanks!

hi czech, seen your photo mate, only 21 mate, thats a tough beat youre on...lol only joking....im with the nodding dog but there going this time..confused.com has come up with the best quote...i would have thought being in the force would have had its advantages with the insurance, they must know youre reputation

czechplastik · 9th January 2007, 20:47

Quote:

Originally Posted by boltonbrowny

hi czech, seen your photo mate, only 21 mate, thats a tough beat youre on...lol only joking....im with the nodding dog but there going this time..confused.com has come up with the best quote...i would have thought being in the force would have had its advantages with the insurance, they must know youre reputation

It always precedes me! It's actually gone down recently by virtue of advanced and pursuit courses so not so bad anymore! Thanks for the tips though, I'll have a look anyway!

Dawson · 9th January 2007, 20:49

The only 2 companies which work well for me are the Admiral Group (Admiral, Bell, Elephant etc) and The Post Office due to having points from 4 years ago.

I think your location is the problem for insurance.

czechplastik · 9th January 2007, 20:50

Quote:

Originally Posted by Dawson

I think your location is the problem for insurance.

It's not 1970 anoymore!

Dawson · 9th January 2007, 20:51

Some tips for you:
1. Find the 2 best quotes you can manage, say they are £900 and £1000.
2. Phone the £1000 and ask them to beat the price of the other quote.
3. Phone the £900 and get them to beat the revised quote.

Repeat steps 2 and 3 until the price won't go any lower. You can even do this against one company... just make up details of another quote and get them to lower the quote. I've done this sucessfully a few times in the past.

Dawson · 9th January 2007, 20:54

Copied from a post on another forum:

Insurance Information by Area. Are you in a low or high risk zone?

This is a CAR (not bike/van/house) chart.

Key to these codes is as shown below, and yes – it is a little weird but I assure you it’s accurate:-

7 IS THE LOWEST AREA, Q THE HIGHEST. TO GIVE YOU A BETTER IDEA OF HOW THIS AFFECTS PREMIUMS - A £500 PREMIUM IN AREA 7 WOULD BE £1100 IN Q.

7
8
9
1a
1b
2a
2b
3a
3b
4a
4b
5a
5b
6a
6b
P
Q.

Where do you fit into this? I'm an AB53 type of guy, which puts me nicely in the lowest risk group.

WRIGHTY · 9th January 2007, 21:16

me been the tender age of 35

driving with the horrible disadvantge of having 9 points for speeding offences, i wasshocked to get a quote of £562 from swintons, i was paying £523 for me old skool 306 d turbo

Dawson · 9th January 2007, 21:35

That's more than I pay, and I'm 12 years younger with points of my own.

WRIGHTY · 9th January 2007, 21:42

Wot do u pay if u dont mind?

czechplastik · 9th January 2007, 21:52

Thats quite interesting, not entirely convinced on its accuracy though.

11th November 2006, 23:40	#1 (permalink)
czechplastik King of the rodeo Civinfo guru Join Date: 24th October 2006 Location: Belfast Posts: 4,727 Thanks: 0 Thanked 3 Times in 3 Posts iTrader: (0)	Anyone know any good insurance companies?! Hey, Being only 21 tender years in age my insurance company doesn't view my 2.2 I-CDTI in very good light being classed in group 11. My new quote leaves little change from £1900, the car repayments aren't cheap either but I'm prepared to stick them for the love of my car. At the minute it seems I'm going to work just to allow me to drive my civic. If anyone could direct me to some reasonable insurers who could offer me a slightly better deal it would be much appreciated. Thanks!

12th November 2006, 00:12	#3 (permalink)
AL56 Wheelnut Join Date: 22nd September 2006 Location: England Posts: 97 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Insurance Hi Czechplastik go to monysupermarket.com You will get a lot of ouotes of them. Hope you find something cheaper.

9th January 2007, 20:54	#16 (permalink)
Dawson Locking Wheelnut Join Date: 7th December 2006 Location: Turriff Posts: 196 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Copied from a post on another forum: Insurance Information by Area. Are you in a low or high risk zone? This is a CAR (not bike/van/house) chart. Key to these codes is as shown below, and yes – it is a little weird but I assure you it’s accurate:- 7 IS THE LOWEST AREA, Q THE HIGHEST. TO GIVE YOU A BETTER IDEA OF HOW THIS AFFECTS PREMIUMS - A £500 PREMIUM IN AREA 7 WOULD BE £1100 IN Q. 7 8 9 1a 1b 2a 2b 3a 3b 4a 4b 5a 5b 6a 6b P Q. Where do you fit into this? I'm an AB53 type of guy, which puts me nicely in the lowest risk group. Last edited by Dawson; 9th January 2007 at 21:34. Reason: Adding more postcode groups.

9th January 2007, 21:16	#17 (permalink)
WRIGHTY Supporter Valve Cap Join Date: 6th January 2007 Location: south hetton Posts: 25 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	insurance me been the tender age of 35 driving with the horrible disadvantge of having 9 points for speeding offences, i wasshocked to get a quote of £562 from swintons, i was paying £523 for me old skool 306 d turbo

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This thread is about: Anyone know any good insurance companies?!, it's in Buying, Dealers and Servicing at the Honda Civic forum Civinfo; Hey, Being only 21 tender years in age my insurance company doesn't view my 2.2 I-CDTI in very good light being classed in group 11. ...

11th November 2006, 23:49	#2 (permalink)
Andrea Triangular Exhaust Join Date: 22nd July 2006 Location: Lynemouth, Northumberland Posts: 421 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	you cant expect ANY insurance company to view you the same as anyone else, EVERY single person gets different insurance quotes based on the details given by them, insurance is based on everything, from age through to colour of car, so for example, if more silver cars of your type have been stolen than black ones then that can make difference. best thing to do is ring around/get a quote online for as many companies as poss as there could be a huge difference in what you get quoted as what someone else does.

12th November 2006, 01:16	#4 (permalink)
czechplastik King of the rodeo Civinfo guru Join Date: 24th October 2006 Location: Belfast Posts: 4,727 Thanks: 0 Thanked 3 Times in 3 Posts iTrader: (0)	Thanks for the help you two, i'll give it a go, hate being ripped off! Paddy

13th November 2006, 20:08	#5 (permalink)
TTDegs Super Moderator Civinfo master Join Date: 4th August 2006 Location: Cardiff Posts: 5,634 Thanks: 0 Thanked 1 Time in 1 Post iTrader: (0)	confused.com is always worth a look too

13th November 2006, 21:50	#6 (permalink)
Nick Triangular Exhaust Join Date: 9th May 2006 Location: London Posts: 230 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	try elephant.co.uk, norwich union direct, or tesco insurance. very good for young drivers.

17th November 2006, 02:27	#7 (permalink)
czechplastik King of the rodeo Civinfo guru Join Date: 24th October 2006 Location: Belfast Posts: 4,727 Thanks: 0 Thanked 3 Times in 3 Posts iTrader: (0)	Cheers people, you would think having a police advanced course and pursuit training would help!

17th November 2006, 08:35	#8 (permalink)
AubreyS Triangular Exhaust Join Date: 12th August 2006 Location: Rayleigh, Essex Posts: 373 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Try.... http://confused.com/ Enter all of your details and it will come up with the best cheapest quote.

21st November 2006, 16:10	#9 (permalink)
Knat Wheelnut Join Date: 6th September 2006 Location: Southport, UK Posts: 68 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	If you can't afford to pay it in one lump then Virgin are good because they don't charge you interest over the 12 months. Can make a quote quite a lot cheaper doing it with them

9th January 2007, 17:54	#10 (permalink)
phil Valve Cap Join Date: 9th January 2007 Posts: 2 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	i have to agree with AL56's advice the moneysupermarket one was really good for me http://www.moneysupermarket.com/motor/ got my insurance off there with a quote from kwikfit for just over £225 its startin to come down now me no claims is buildin up, up to 5 years now, anyway try that one

9th January 2007, 20:49	#13 (permalink)
Dawson Locking Wheelnut Join Date: 7th December 2006 Location: Turriff Posts: 196 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	The only 2 companies which work well for me are the Admiral Group (Admiral, Bell, Elephant etc) and The Post Office due to having points from 4 years ago. I think your location is the problem for insurance.

9th January 2007, 20:51	#15 (permalink)
Dawson Locking Wheelnut Join Date: 7th December 2006 Location: Turriff Posts: 196 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Some tips for you: 1. Find the 2 best quotes you can manage, say they are £900 and £1000. 2. Phone the £1000 and ask them to beat the price of the other quote. 3. Phone the £900 and get them to beat the revised quote. Repeat steps 2 and 3 until the price won't go any lower. You can even do this against one company... just make up details of another quote and get them to lower the quote. I've done this sucessfully a few times in the past.

9th January 2007, 21:35	#18 (permalink)
Dawson Locking Wheelnut Join Date: 7th December 2006 Location: Turriff Posts: 196 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	That's more than I pay, and I'm 12 years younger with points of my own.

9th January 2007, 21:42	#19 (permalink)
WRIGHTY Supporter Valve Cap Join Date: 6th January 2007 Location: south hetton Posts: 25 Thanks: 0 Thanked 0 Times in 0 Posts iTrader: (0)	Wot do u pay if u dont mind?

9th January 2007, 21:52	#20 (permalink)
czechplastik King of the rodeo Civinfo guru Join Date: 24th October 2006 Location: Belfast Posts: 4,727 Thanks: 0 Thanked 3 Times in 3 Posts iTrader: (0)	Thats quite interesting, not entirely convinced on its accuracy though.

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