How much is your insurance premium?

Car
'84 Mini Mayfair & '66 Mini, both modified 998's.

Experience and Risk
First year of driving, both cars kept off road, garaged, inner town, 2 years bike ncb but I cant remember if they counted that.

Cost and Provider
£660 I think for the both, fully comp on a classic mini policy from Adrian Flux

Edit: im 21.
 
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Burnsy2023 said:
Say that when you've got a bit of experience and you'll see how easy they are to get.
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No sympathy whatsoever. You can drive way over the limit and avoid them with a bit of common sense. Sure, you could be the unlucky victim of the odd hidden camera or a copper with a gun hiding behind a bush, but most of the time they can be avoided by exercising a bit of road awareness and common sense.

If you want to speed and drive quickly do it in low-risk areas, such as country roads, motorways (excluding road works areas because people who speed there are quite frankly ****** idiots), and NOT in busy towns/cities. Has worked for me, has worked for my friends, has worked for my dad who drives ridiculously fast and has never been done in 30 years of driving.

I will however admit it's probably much easier to get done in high performance cars and not your average teenager's saxo/clio/polo etc :)
 
scott212 said:
Shame insurance companies can't pass on their ridiculous premiums to the idiots with points for speeding than young people who can barely afford the insurance as it is.
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Insurance is based on risk, and risk alone. Young male drivers are far more risky than a middle aged person with a few speeding convictions, hence the premiums are calculated to reflect this.
 
Jez said:
Insurance is based on risk, and risk alone. Young male drivers are far more risky than a middle aged person with a few speeding convictions, hence the premiums are calculated to reflect this.
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Anyone with a speeding conviction in a 30MPH zone is a huge risk. Not for the sake of the cars but for insurance payouts and other carnage if that person were to run down a pedestrian. It's a good thing the law is extremely tough on people who do so.

Sure though, 80 on a motorway is not the end of the world.
 
]Car
Skoda Felicia Fun 1.6 petrol pickup (mods declared)

Experience and Risk
2x seperate 1yr No claims bonus. Area NE38. 21yrs of age

Cost and Provider
£1038.56 (95.19/month) TPFT from post office van insurance (private use only).
excess unknown
 
scott212 said:
Anyone with a speeding conviction in a 30MPH zone is a huge risk.
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Wow, thats a nice blanket assumption. I don't make a habit of shattering 30 limits but I would be suprised if somebody here could honesty say they've never found themselves doing 40 in a 30.

Remember what the roads are like on your way home at 2am. No cars, no pedestrians, no anything...
 
just paid with bell, £1091 for 10 months worth of fully comp insurance on a 1.6 16v astra, me being 18 with a 5 grand claim against me 2 months ago, and 0 ncb. all in, not bad, considering i was getting quoted 2 grand at 17.
 
[TW]Fox;13462856 said:
Wow, thats a nice blanket assumption. I don't make a habit of shattering 30 limits but I would be suprised if somebody here could honesty say they've never found themselves doing 40 in a 30.

Remember what the roads are like on your way home at 2am. No cars, no pedestrians, no anything...
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Unfortunately the fact you were speeding in a 30 does not differentiate between that scenario and one during the day, where there are other cars, pedestrians... everything.
 
I did a quote for a group 15 170bhp 2.0 Celica last night.

£550, and that's with my current experience and no claims, so when I come to renew with 4 NCB (touch wood) and 4 years experience it should be a bit less too. :D
 
scott212 said:
Anyone with a speeding conviction in a 30MPH zone is a huge risk. Not for the sake of the cars but for insurance payouts and other carnage if that person were to run down a pedestrian. It's a good thing the law is extremely tough on people who do so.

Sure though, 80 on a motorway is not the end of the world.
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Why is it that you believe that you know better than the statistics on which multinational organisations with astronomical profits base their risk calculations?
 
scott212 said:
Shame insurance companies can't pass on their ridiculous premiums to the idiots with points for speeding than young people who can barely afford the insurance as it is.
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Except its usually the young people who think they can drive that stack their corsas/fiestas into peoples BMWS and Sports cars.
 
scott212 said:
Anyone with a speeding conviction in a 30MPH zone is a huge risk. Not for the sake of the cars but for insurance payouts and other carnage if that person were to run down a pedestrian. It's a good thing the law is extremely tough on people who do so.

Sure though, 80 on a motorway is not the end of the world.
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It depends, 30 in a built up heavy residentual area should not be broken at all and even heavier fines/points should be given here.

However there are a lot of roads where 30 is quite frankly stupid and you could easily do 40 safely.

80 on a motorway is fine also, although i would say it depends on car, doing it in a Sports Car/Heavy motorway cruisers like BMWs is a lot safer than doing it in a Fiesta/Corse etc :P
 
Maccy said:
Any pics of this incident?!
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No pics needed. Hit a pile of bunker, yes bunker sand at 20 mph. Air bag didn't even go off it aws that minor. No suspension damage other than OSF wishbone but apparently the front end of M3's are made of mush, I mean aluminium.

£1.5k of the claim was a wheel and the rest was full BMW prices replacing a billion needless parts inc. front end re-spray. Seriously, could have got the repair done for £2k to £3k myself. I told my then insurance company they had the mickey well and truely taken out of them on that one.
 
Only person who’s ever crashed into me was an 80 year old bloke who messed up but got a witness on his side who "Heard" what happened. Said to me "Do you want to do this outside of insurance". Now that rang alarm bells so i phoned my insurance company and claimed against him. Strangely they said that car wasn’t on the database. I repaired my car. I informed the police. He’s probably racked up 6 points by now.

Insurance premiums make no sense. For instance if I was to go take a National b race licence my insurance wouldn’t drop.
 
1996 BMW e36 328i SE Auto

38 Yrs old, Professional driver, Full NCB, ST7 Area, £182.20 p/a Fully Comp.

Swiftcover. :)
 
Was £186 with a 1L Polo from the AA with 4 years NCB at 28 and having driven since 1996 (stopped driving for 3 years so lost all my NCB during my early 20's). No points.


Just got their renewal quote of £450 with 5 years NCB at 29 after changing to a Rover 214 and moving to within 17 miles of Belfast :/


Hoping to come away with paying around £300 at the end of the month.
 
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Car
2002 52 Corsa SXi 1.2, 3 door

Experience/Risk
20yr old, student/part-time admin assistant
2yrs NCB, 3.3yrs Driving Experience

Cost
£298.72 fully comp
10 month bonus accelerator policy
 
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