Car Insurance Expensive- Help Please - Civinfo
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post #1 of 59 (permalink) Old 4th November 2012, 20:34 Thread Starter
 
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Exclamation Car Insurance Expensive- Help Please

Hi all,

Im 35 with 11 years no claims protected, live in the midlands, am a post graduate with a professional government job. I have a standard 2.2 diesel sat nav 06 civic and I am paying £1380 fully comp a year with LV.
Does this sound right?
Its up for renewal in a few weeks and I really dont want to pay the same again, any advice from anyone?
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post #2 of 59 (permalink) Old 4th November 2012, 20:37
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That does seem very expensive, I'm paying about £400 fully comp with protected no claims, zero excess with direct line on a 2008 1.8 sport civic, I'm 35 with 9 years no claims and live in Wiltshire working for Network Rail, have you tried using compare the market .com jut to get some comparisons

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Last edited by davetwin; 4th November 2012 at 20:42.
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post #3 of 59 (permalink) Old 4th November 2012, 20:37
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Give the comparison websites a go, compare the market, money supermarket, etc..

£1380 is a bit pricey considering your age and your 11 years no claims.
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post #4 of 59 (permalink) Old 4th November 2012, 21:13 Thread Starter
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I have tried every comparison site but no luck
Thats the cheapest I have got it, some are quoting me about £2500
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post #5 of 59 (permalink) Old 4th November 2012, 21:19
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That sounds ridiculous to me?! I've just turned 21 with 2 years no claims, student paying around £1500 a year on an 08 Type R GT?! I'm from Coventry too but its linked to my uni home in Cheltenham...
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post #6 of 59 (permalink) Old 4th November 2012, 21:21
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Have you tried Sky Insurance, greenlight or Adrian Flux?


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post #7 of 59 (permalink) Old 4th November 2012, 21:44
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I think it must be your post-code thats making the premium so high. Try a different post-code to see what prices you get.

I'm 31 with 9 ncb's and paying around 700 thats because of where I live and my missus who has 5 yr's driving experience.

I always use all the price comparison web-sites to get the cheapest quotes.
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post #8 of 59 (permalink) Old 4th November 2012, 21:49
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I am declared with serious modifications and upto 230hp.
I am paying about 600 with greenlight.
Me and wife mid 40s 9yrs+ P.NCB

Do you have 12 points or something

Greenlight are on the forum so give them a try.



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post #9 of 59 (permalink) Old 4th November 2012, 22:12 Thread Starter
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I will give them a go but it is awefull the amount thses companies charge
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post #10 of 59 (permalink) Old 4th November 2012, 22:13 Thread Starter
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Nt tried them yet, just doing a bit of prelimanary research!

Quote:
Originally Posted by CTR-Girl View Post
Have you tried Sky Insurance, greenlight or Adrian Flux?


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post #11 of 59 (permalink) Old 4th November 2012, 22:14
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i had a similar issue and after shopping about online and offline got a great deal from eSure
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post #12 of 59 (permalink) Old 4th November 2012, 22:40
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Quote:
Originally Posted by abs-civic View Post
I think it must be your post-code thats making the premium so high. Try a different post-code to see what prices you get.
Must be, also where the car is kept and any past incidents.

That said, my insurance was just under £500, and I'm 35, no NCB, 59 CTR.
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post #13 of 59 (permalink) Old 4th November 2012, 23:31
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Quote:
Originally Posted by JohnJonjo View Post
Hi all,

Im 35 with 11 years no claims protected, live in the midlands, am a post graduate with a professional government job. I have a standard 2.2 diesel sat nav 06 civic and I am paying £1380 fully comp a year with LV.
Does this sound right?
Its up for renewal in a few weeks and I really dont want to pay the same again, any advice from anyone?
Im 34 with 13 yrs no claims. 2.2 type s modded and declared. Just paid £340 for this years insurance. What youre paying is beyond ridiculous.
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post #14 of 59 (permalink) Old 4th November 2012, 23:50
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Quote:
Originally Posted by Dogfish View Post
Im 34 with 13 yrs no claims. 2.2 type s modded and declared. Just paid £340 for this years insurance. What youre paying is beyond ridiculous.
That is a great price, I wish mine was that cheap! I think the west country is cheaper than other parts of the country.

And obviously they look at crime rates, fraud, injury claims etc...
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post #15 of 59 (permalink) Old 4th November 2012, 23:51
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Does sound a bit crazy but I had a similar experience. I didn't know whether to go Petrol or Diesel but when checking what the insurance would be like on both, the Diesel was working out to be double the price of the petrol.

Needless to say, now the owner of a 1.8 Type S-GT
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post #16 of 59 (permalink) Old 4th November 2012, 23:56
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can't argue with LV!

they quoted me happy today

sort of...
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post #17 of 59 (permalink) Old 5th November 2012, 00:08
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Seems on the steep side my friend. Try a broker, they might work out cheaper. I did that when I first got my car as they were half the price of the price comparison sites, fully comp as well.
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post #18 of 59 (permalink) Old 5th November 2012, 00:16
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Very overpriced I'm 23 5years ncb. Skilled job. £800 /yr for 2009 ctr

Although where I work has secure parking and as I work nights I guess that might help keep it low

Try adding your partner to the policy that may help, adding my gf reduced mine by around £200

Last edited by Matt1989; 5th November 2012 at 00:19.
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post #19 of 59 (permalink) Old 5th November 2012, 00:29
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Quote:
Originally Posted by JohnJonjo View Post
Hi all,

Im 35 with 11 years no claims protected, live in the midlands, am a post graduate with a professional government job. I have a standard 2.2 diesel sat nav 06 civic and I am paying £1380 fully comp a year with LV.
Does this sound right?
Its up for renewal in a few weeks and I really dont want to pay the same again, any advice from anyone?
Seems expensive.

I'm 44 with 10 years NCB protected with LV in a major city north of you and I was paying £540 last year from memory.
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post #20 of 59 (permalink) Old 5th November 2012, 05:51
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I am 44 with over 15 years NCB protected with LV for the 2.2 EX (2008) and paid approx £300 with LV including all the mods.

As said earlier try Greenlight or Chris Knott (I have the CTR with these)
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