My insurance quotes will make you laugh...

WantoN · 26 Apr 2009 at 10:58

I'm 24. I got quoted £2,500 for a 1.8 escort. Third party, Fire & Theft!

I have a no NCB and a colourful past though

I managed to find one for £1,500 in the end trough Adrian Flux (capricorn)

Ant :cool:

UKTopGun · 26 Apr 2009 at 11:31

I don't really understand insurance companies. I live in a terrible postcode (the second worst), the car is left on the road overnight (no garage) however I'm able to be insured fully comp on my dads 1.8l Passat (1998) for £800 extra on top of whatever my dad pays at the moment (hes old, 7+ years NCB so it's not going to be that much..).

I realise this is different as I'm not building any NCB etc. (which really is the main reason why it's so cheap..) but I have friends who are driving 1.1l Clios for £3k a year or atleast £2k+ for third party on a similar type of car... I don't really understand why they have to pay so much more and surely they dont have any more chance of crashing than me (which I realise is high

). The cheapest quote I could get to be insured on my mums Mini for £3k for TPFT...

And this was all for a 17 year old. Someone explain insurance companies to me!

I also need to learn to use less brackets....

atpbx · 26 Apr 2009 at 11:40

allllec said:
I'm with direct line If you'd actually read the OP

Well, there is no need to be ignorant about it, i missed that part, something is still wrong with the prices you are getting mind.

The_Dark_Side · 26 Apr 2009 at 12:02

I'm with Swiftcover as of feb this year, mainly as they completely decimated my previous insurers renewal quote.

allllec · 26 Apr 2009 at 12:30

SlyReaper said:
It's because every single male under the age of 25 is a boy-racer guaranteed to crash 50 times a week.

Ahh yes, I remember now. Also got to remember 99% of cars stolen in this country are stolen from my address so that probably doesn't help

iaind · 26 Apr 2009 at 12:34

SlyReaper said:
It's because every single male under the age of 25 is a boy-racer guaranteed to crash 50 times a week.

If you're over 21 with any NCD and still paying silly money there's probably a good reason why (points on license, high IG car etc)

I'm 24 so by your reasoning I should be paying silly money, but the mondeo costs me under £300 a year to insure

Hxc · 26 Apr 2009 at 12:37

Seriously allec, call up Footman James. I'm confident if I can ge a quote of less than £1k you can too....

Scania · 26 Apr 2009 at 12:40

The_Dark_Side said:
I'm with Swiftcover as of feb this year, mainly as they completely decimated my previous insurers renewal quote.

Same here mate, I saved nearly £500 when I switched my old 7 Series from Krap Fit to Swiftcover - My current 328i is well under £230 p/a fully comp.

Tican · 26 Apr 2009 at 12:42

Try e-car Insurance, I am insured on my Omega 2.5 V6 (21y/o driving less than a year) for £1600 per year

The_Dark_Side · 26 Apr 2009 at 12:43

R420LA6X2/4MNA said:
Same here mate, I saved nearly £500 when I switched my old 7 Series from Krap Fit to Swiftcover - My current 328i is well under £230 p/a fully comp.

Same here dude.
Swindle wanted about £850 or so, the Iggy Pop came over for tea and rather politely asked me for £308.
Awfully decent of the old chap IMHO.

Slinky1989 · 26 Apr 2009 at 13:03

Hxc said:
Phone them

Anyone specific I should talk to?

Hxc · 26 Apr 2009 at 13:17

"slinky" said:
Anyone specific I should talk to?

Nope, it's well known they quote to 17 year olds over the phone, anyone will do.

Cr0fty · 26 Apr 2009 at 13:28

Do quotes over the phone tend to be lower than those on random websites. I shall be looking at quotes soon, and being 17 it's probably not going to go well :/

Hxc · 26 Apr 2009 at 13:40

Cr0fty said:
Do quotes over the phone tend to be lower than those on random websites. I shall be looking at quotes soon, and being 17 it's probably not going to go well :/

Yes. You can often get a better quote by calling them.

Slinky1989 · 26 Apr 2009 at 13:44

Is it just the normal sales number or the classic car sales number that you called?

Hxc · 26 Apr 2009 at 14:40

I called Classic I wanted to be under a classic policy due to cheapness. I do not accrue NCB with this, though.

Slinky1989 · 26 Apr 2009 at 15:03

Ahh right ok, I'll give the normal sales a ring and see what they say; will have to do it tomorrow though as it's only mon-fri :/

Psypher5 · 26 Apr 2009 at 15:49

Moeks said:
Well, when you are 21 the insurance companies no-longer seem to consider you public enemy number 1, and 2 years experience is worth a lot, but you can probably understand why.

Your insurance will continue to fall way into your 20s and probably beyond, although it's nowhere near as dramatic (on regular cars) as it is from 17-21.

Aye

bit of an odd situ which i dont fully understand. Ive had my license for 2 years in june, yet if i buy a car today and insure with churchill i'll have 2 yrs ncb due to learning/insured on my moms car. I spose they are just being nice and its their thing, but putting in 1 year against 2 yrs no claims is still a difference of 250quid!

Also, I wonder if i do get a car now and insure for a year etc, if i leave churchill after that will I have 3 yrs noclaims, 1 yr, or none?! (I probably wouldnt leave them, folks have been with them years and have helped a lot in various claims for us)

allllec · 26 Apr 2009 at 17:59

Footman james told me they couldn't help me as I don't garage the car and I'm 18.

Bummer, got my hopes up then!

sampo · 26 Apr 2009 at 18:06

Try Bell and add your parents as named drivers on the policy (with yourself as the main driver and policy holder of course). This brings the quote down considerably with Admiral Group policies. Then get 'em to drive your car to the shops occasionally!