197 Insurance
- Thread starter Carl_1290
- Start date
ive tried it mike and yes it is cheaper but not by much, £200 at most. I just dont understand why so expensive
Yes 3 but may 2009 .... SP50
Never really effected insurance and wish i got it that cheap. Who you with?
I've found the following affect insurance prices:
1. Time owned the car (this is a BIG deal). I renewed my insurance on my Toyota, but I replaced it because the engine had gone on the older one, and the insurance DOUBLED just because on paper I had not owned the car very long (in reality I'd owned it for 2 years). This can make premiums shoot way off the scale! Try it and see, say you've owned the car 12 months.
2. No claims discount - This is just plain weird, and as seen above, you can get a better price for 2 years than you can for 3. How does that work exactly? Random number generator at work again..
3. Time since you passed your test. Age seems to be less relevant than time you have had your license. You can also try this on sites like confused.com.
4. Address. This one is plain stupid. I had a quote of £650 for my wife on her 182 at the old house (number 5). So I re-quoted with the correct house number and it went up to over £900!!! Everything else was identical. The car was even in a better parking space!
5. Points. This can really hurt you.
6. Excess. £500 excess can bring a policy down a few hundred quid, but usually makes claims incredibly expensive so best drive nicely!
These are all based on my fairly dreadful experience of dealing with insurance companies. To be fair on them, most of the people I have spoken to from insurance companies are as baffled as I am, especially with the 2 / 3 years no claims difference and the house number, and the time owned the car. There is no common sense tick box or manual tweaking, just all set by bean counters and faceless computer programs.
I'll get my coat..
1. Time owned the car (this is a BIG deal). I renewed my insurance on my Toyota, but I replaced it because the engine had gone on the older one, and the insurance DOUBLED just because on paper I had not owned the car very long (in reality I'd owned it for 2 years). This can make premiums shoot way off the scale! Try it and see, say you've owned the car 12 months.
2. No claims discount - This is just plain weird, and as seen above, you can get a better price for 2 years than you can for 3. How does that work exactly? Random number generator at work again..
3. Time since you passed your test. Age seems to be less relevant than time you have had your license. You can also try this on sites like confused.com.
4. Address. This one is plain stupid. I had a quote of £650 for my wife on her 182 at the old house (number 5). So I re-quoted with the correct house number and it went up to over £900!!! Everything else was identical. The car was even in a better parking space!
5. Points. This can really hurt you.
6. Excess. £500 excess can bring a policy down a few hundred quid, but usually makes claims incredibly expensive so best drive nicely!
These are all based on my fairly dreadful experience of dealing with insurance companies. To be fair on them, most of the people I have spoken to from insurance companies are as baffled as I am, especially with the 2 / 3 years no claims difference and the house number, and the time owned the car. There is no common sense tick box or manual tweaking, just all set by bean counters and faceless computer programs.
I'll get my coat..
Thanks for that mike, alot of very useful information not just for myself but other members too i just cant seem to get these insurance quotes down no matter what i try and fiddle with on comparison sites
Are sky insurance and greenlight really great insurers willing to get you the best deal? as im relying on their quotes on monday ... if not then no clio for me
i just cant seem to get these insurance quotes down no matter what i try and fiddle with on comparison sites Are sky insurance and greenlight really great insurers willing to get you the best deal? as im relying on their quotes on monday ... if not then no clio for me
Greenlight do but the quotes are saying £1100 fully comp but they say referred and partial whatever that means :/ ... sky insurance also have a quick quote but its temporarily down, but thats also a estimate of £1100 last time i did it. Ive added Matt and will make sure he knows you passed his name on
Admiral are wank... Currently quoting me @ £1000 being 21 with 2 years ncb.
But im going with Brentacre @ £1489 because there better to deal with, have had nothing but trouble with Admiral and wont be using them again. (Lower excess with brentacre too)
But im going with Brentacre @ £1489 because there better to deal with, have had nothing but trouble with Admiral and wont be using them again. (Lower excess with brentacre too)
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