Insurance

Peerzy · 5 Nov 2009 at 14:57

Sorting out my insurance and wondering how many of these sodding extras I need.

I've found a good quote, £514 with Swiftcover but then everything is an extra.

Legal cover, protected no claims, lost key cover, personal accident cover, replacement car cover and breakdown cover all come to an extra £195.60!

Also how big of an excess do you go for. I'm all for getting the quote down and having a big excess, which means I would stand to lose the first £1400

eek

of any claim I made on this policy!

bledd · 5 Nov 2009 at 14:59

http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

Go through all the steps, especially the job picker.

It'll take about 15-20 mins to go through the lot, but it's worth it

k3wt · 5 Nov 2009 at 15:00

lost key cover isnt necessary imho.

av. excess is £300 id say

Dup · 5 Nov 2009 at 15:02

Swiftcover are the usual lowest on a certain comparison site and are a good illustration why you should pick up the phone and ignore those horrible sites.

Swiftcover are not very flexible and have a hideous cancellation fee as my colleague has learnt.

What car are you trying to insure and how old are you?

Cuchulain · 5 Nov 2009 at 15:02

Peerzy said:
Sorting out my insurance and wondering how many of these sodding extras I need.

I've found a good quote, £514 with Swiftcover but then everything is an extra.

Legal cover, protected no claims, lost key cover, personal accident cover, replacement car cover and breakdown cover all come to an extra £195.60!

Also how big of an excess do you go for. I'm all for getting the quote down and having a big excess, which means I would stand to lose the first £1400 eek of any claim I made on this policy!

Legal cover is great, my insurance company provided a really good solicitor FOC when our old car was hit by a JCB, claim was settled with no quibbles exceptionally quickly.

Peerzy · 5 Nov 2009 at 15:22

bledd. said:
http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

Go through all the steps, especially the job picker.

It'll take about 15-20 mins to go through the lot, but it's worth it

Yeah plan to do that when I get home, at work atm so can't spend too long on it

I work in IT though and tried Computer Techie and Computer Op and didn't change much.

Dup said:
Swiftcover are the usual lowest on a certain comparison site and are a good illustration why you should pick up the phone and ignore those horrible sites.

Swiftcover are not very flexible and have a hideous cancellation fee as my colleague has learnt.

What car are you trying to insure and how old are you?

Ahhh need one with a nice cancellation fee as planning a new car in July next year.

1.4 Tjet Bravo (07 plate - with induction kit and remap @ 179bhp)
20 years old, passed test in Jan07.

Cuchulain said:
Legal cover is great, my insurance company provided a really good solicitor FOC when our old car was hit by a JCB, claim was settled with no quibbles exceptionally quickly.

I was told Legal Cover is crap as Helphire or whatever its called will do it all for £10 or claim off the other parties insurance etc?

Fully comp, 5000 miles, with mum on policy, 3 years NCB.

bledd · 5 Nov 2009 at 15:25

'Data Processor'

Peerzy · 5 Nov 2009 at 15:27

bledd. said:
'Data Processor'

Technically I'm also a student as this is a placement year, and I work a part time job in a shop so will give those a go as well.

Dup · 5 Nov 2009 at 15:30

Try Greenlight, Noel Dazely, Chis Knott, A-Plan, Sky insurance and Adrian Flux seeing as your car is modified. These are independant brokers who will carry more knowledge about modifications but age and experience might limit you. They tend to be very selective to keep quotes competative.