couple of insurance questions

Disco Boy

Disco Boy

Disco Boy

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Well it's that time of year again, car insurance renewal.

I'm 19 and have one at fault claim of £935. I drive a car with group 2 insurance, which I insure 3pfat.

Both of my parents are named drivers (no claims in the past 5 years, both been driving since 18 etc...)

My renewal price from Quinn (who I've been with for the past 2 years) was £1063, but I'm going to be keeping my car at uni, and that quote will go up for my uni address.

I went on confused.com and got some quotes, the cheapest being £803 from elephant.co.uk, that is at my uni address.. My home address would cost £721, I spoke to elephant, and as I'm at uni for 30 weeks of the year, that has to be the address which I use. Life's a bitch and then you marry one eh?


So the questions:

What are people's thoughts on elephant.co.uk? Has anyone had any good/ bad experiences?

I got quotes from confused, and from the TESCO website, should I try anywhere else? I think that £803 isn't bad myself for a 19 year old with a claim. Last year I paid £900 from Quinn with 1 year NCB, but QUINN do offer DOC, and breakdown cover (I'm with the AA as well anyway)

Anything else which I am missing?

Cheers guys and girls.
 
Last edited:
£935 ?

Times have changed. My first car was a Pug 205 with a 1.1 engine and I got it insured for £469 fully comp.

I feel sorry for careful teenage drivers who are penalised for the actions of Billy Boyracer whose idea of style and performance is nailing a park bench to the boot as a spoiler.
 
Von Smallhausen said:
£935 ?

Times have changed. My first car was a Pug 205 with a 1.1 engine and I got it insured for £469 fully comp.

I feel sorry for careful teenage drivers who are penalised for the actions of Billy Boyracer whose idea of style and performance is nailing a park bench to the boot as a spoiler.
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£935 was how much a ding in a car park cost. Her car was probably worth about that though. Which, combined with the fact that the damage would have been considerably less had she not been gunning it in a car park, is a complete joke.

Bell have quoted 927 fully comp, which isn't bad, a £350 excess makes me wonder if it'd be worth it though.
 
£350 is quite a low excess for a young driver actually. I'd say you're doing alright with that, the companies giving you lower quotes probably have higher excess charges, or I would guess so anyway.

I had to pay an inflated 'young driver' excess with Direct Line untill I was 25, I think it was about £500-£600 in total.
 
Von Smallhausen said:
£935 ?

Times have changed. My first car was a Pug 205 with a 1.1 engine and I got it insured for £469 fully comp.

I feel sorry for careful teenage drivers who are penalised for the actions of Billy Boyracer whose idea of style and performance is nailing a park bench to the boot as a spoiler.
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In fairness he has already had a fairly expansive claim!

The prices seem pretty good, I was with elephant for a few years and they were fine, although I never had to deal with them much as I never claimed
 
Moeks said:
£350 is quite a low excess for a young driver actually. I'd say you're doing alright with that, the companies giving you lower quotes probably have higher excess charges, or I would guess so anyway.

I had to pay an inflated 'young driver' excess with Direct Line untill I was 25, I think it was about £500-£600 in total.
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I can choose the excess which I want, £350 gave a relatively nice priced quote so I chose that as an example. Looks like it's not too bad in that case.

iaind said:
In fairness he has already had a fairly expansive claim!

The prices seem pretty good, I was with elephant for a few years and they were fine, although I never had to deal with them much as I never claimed
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In my first 2 years I've spent £2500 on insurance. The claim was for a bent-in rear passenger door on a ****ty old fiesta, which cost £935. They have turned a nice profit on my insurance if you ask me.

But yes, that price does seem pretty good, even if it is still robbery imo.
 
Hardly robbery - statistically they're taking a 50/50 chance that you're going to cost them a grand in the next year, all for 800 quid (well less than that due to tax etc). Thats not even taking into account the high risk that young males are to insurance in the first place
 
PeterNem said:
Check that the £350 you've chosen isn't just the voluntary excess, on top of which there is a compulsory excess (often £250-500 depending on age) to pay.
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That is the way elephant work, I cant remember what the compulsory is though
 
PeterNem said:
Check that the £350 you've chosen isn't just the voluntary excess, on top of which there is a compulsory excess (often £250-500 depending on age) to pay.
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I didn't see mention of a compulsory, but I will look.

iaind said:
That is the way elephant work, I cant remember what the compulsory is though
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Their fully comp quote was over £1k, on their 3pfat it's 0 excess for accident claims, and £150 for fire and theft claims.
 
Why are your parents named drivers if the car will be kept at uni?

If I was an insurer/underwriter I'd be making sure YOU were the registered keeper and not one of your parents. If it's one of your parents then you have no insurable interest in that vehicle as you're not the registered keeper, the upshot of which means your insurer could repudiate any claim you made (particularly a total loss or theft).
 
NorthstaNder said:
Why are your parents named drivers if the car will be kept at uni?

If I was an insurer/underwriter I'd be making sure YOU were the registered keeper and not one of your parents. If it's one of your parents then you have no insurable interest in that vehicle as you're not the registered keeper, the upshot of which means your insurer could repudiate any claim you made (particularly a total loss or theft).
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The car is owned by me and insured in my name. The car will be kept at uni during term time (30 weeks of the year)

My mum has been on my policy since I was learning and she was the co-driver. My dad I only added this time. They have both driven my car in the past couple of months (dad was insured as he has DOC on his policy) so they do drive my car. There's nothing wrong with it at all, why would there be? It's also a common practice used by young drivers, as it brings down your premium (although I don't know if it has affected mine).
 
NorthstaNder said:
Why are your parents named drivers if the car will be kept at uni?

If I was an insurer/underwriter I'd be making sure YOU were the registered keeper and not one of your parents. If it's one of your parents then you have no insurable interest in that vehicle as you're not the registered keeper, the upshot of which means your insurer could repudiate any claim you made (particularly a total loss or theft).
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Irrelevent.
 
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