Insurance quotes are a joke. What am I doing wrong?

Dav4 · 11 Aug 2015 at 14:59

I really don't get the garage one though :confused:

if I have a brand new performance car worth a lot of money sat in the road right outside my house for easy get away then it only takes one chav to go past and decide they want it but if it's in the garage then nobody can see it! Which is making it far less likely to get stolen

iaind · 11 Aug 2015 at 15:05

Dav4 said:
I really don't get the garage one though if I have a brand new performance car worth a lot of money sat in the road right outside my house for easy get away then it only takes one chav to go past and decide they want it but if it's in the garage then nobody can see it! Which is making it far less likely to get stolen

No it doesn't.

If you must have an actual reason (despite explaining several times, insurance doesnt work on reasons, just statistics) then the one you've just stated is it! The fact garages are out of sight means it's a better place to nick them from -you'd have to be a pretty rubbish criminal to steal a car in plain site.

Also insurance doesnt just cover theft - they're more at risk of damage as has already been explained and probably more at risk of fire too

Dav4 · 11 Aug 2015 at 15:14

iaind said:
No it doesn't.

If you must have an actual reason (despite explaining several times, insurance doesnt work on reasons, just statistics) then the one you've just stated is it! The fact garages are out of sight means it's a better place to nick them from -you'd have to be a pretty rubbish criminal to steal a car in plain site.

Also insurance doesnt just cover theft - they're more at risk of damage as has already been explained and probably more at risk of fire too

fair enough. i remember a PH thread last year though showing cctv of a guys new S3 sat at the end of the path and a car drove past on a main road with some chavs in, stopped reversed then a few jumped out walked up to the guys front door on a busy road and opened it went in and took his keys from him then drove off in it like nothing happened. That's how brazen they are nowdays you hear it happening a lot where they will just knock on the door and threaten you with weapons.
i still stand by the fact that if the car is in the garage out of sight then nobody will know what car you have compared to it sat outside.

p1RATE · 11 Aug 2015 at 15:15

Dav4 said:
I really don't get the garage one though if I have a brand new performance car worth a lot of money sat in the road right outside my house for easy get away then it only takes one chav to go past and decide they want it but if it's in the garage then nobody can see it! Which is making it far less likely to get stolen

I think performance car thieves are a bit more organized than opportunist chavs. Most car theft these days i would imagine involves picking up the key from a key hook etc and driving the car away. I think the days of people jamming a coat hanger in the window or a screw driver in the lock are a bit behind us given the basic security features most cars have.

iaind · 11 Aug 2015 at 15:16

Dav4 said:
i still stand by the fact that if the car is in the garage out of sight then nobody will know what car you have compared to it sat outside.

It's statistically more risky in the garage, so you can stand by whatever you like - but don't think it's at all relevant

robj20 · 11 Aug 2015 at 15:25

iaind said:
It's statistically more risky in the garage, so you can stand by whatever you like - but don't think it's at all relevant

Drive way is more risky than on the road as well. When i asked someone about all this it was indeed things like people hitting driveway posts and garage walls that made the risk higher.

It seems some people just don't get it.

crinkleshoes · 11 Aug 2015 at 15:45

lol @ 450-500 when you were 18...

Car insurance didn't drop under a grand until I reached 26... suddenly hit that magic age and the BMW insurance dropped from 1000/year to 260/year

Lashout_UK · 11 Aug 2015 at 16:00

crinkleshoes said:
lol @ 450-500 when you were 18...

Car insurance didn't drop under a grand until I reached 26... suddenly hit that magic age and the BMW insurance dropped from 1000/year to 260/year

£800 for me when I was 19, dropped to £500 at 20, 21-ish. Can't quite recall exactly. This was back in 2006/7, though.

No such thing as a 'magic age', either, per se. So many factors in insurance that I wouldn't bother attributing it to one

crinkleshoes · 11 Aug 2015 at 16:01

Probably didn't help that I kept changing cars and was insuring things like Jaguar XKR and Subaru Impreza STI

Although they were 1300 and 1600

The Running Man · 11 Aug 2015 at 17:51

Repta said:
For me

1.8 Mondeo £700
MR2 Turbo £320
1.2 Renault Clio £545
1.6 MX5 £400
Vectra VXR £550

Makes no sense at all to me, surely I am considerably higher risk driving the MR2 than anything else on that list yet it is by far the cheapest.... Shame I need room for dive equipment otherwise thats the route id go down!

Thats quite unusual unless you are importing all those cars as the mr2 turbo would be an import or conversation both of which inherently attract higher premiums.

[TW]Fox · 11 Aug 2015 at 19:07

Armageus said:
I understand the principle, however surely a car is more at risk being parked on the road (thinking wing mirrors being caught, pedestrians keying cars as they walk past) than off the road in a garage?

Getting a car in and out of a garage is a significant cause of accidental damage claims.

traveyb · 12 Aug 2015 at 08:35

I'm sure it's some kind of lottery sometimes, insurance and the current VED is just laughable

Scania · 12 Aug 2015 at 10:07

I've changed my quote details from parked on the drive (which is effectively a flat concreted area at the side of my house) to parked in the street and the premium has gone down by £7 on my cheapest quote and risen on a few of the others......

I'm down to £339 F/C (plus another £60 for legal protection and breakdown cover) my other half breakdown cover covers my car so I won't bother with that but I'm pondering the legal protection bit, is it worth it or should I consider an alternative if such a thing is possible?

I'm starting to wonder if 530i Sport's are viewed as high risk, can't break £300 for mine yet am having no such problem if I change car quoted to a V8 or V12 7 Series, maybe I should change it....

Highly annoying!

robj20 · 12 Aug 2015 at 11:00

Check some of the quotes some will include legal protection and might only be a few pound extra, rather than the £60 with the cheapest quote. I dont bother with it though.

bledd · 12 Aug 2015 at 11:03

Find lowest price you can, then call Chris Knott insurance.

I insure both of our cars for £500 total. One of these cars is group 19 (in the old groups)

Repta · 12 Aug 2015 at 11:30

The Running Man said:
Thats quite unusual unless you are importing all those cars as the mr2 turbo would be an import or conversation both of which inherently attract higher premiums.

Yea is a bit strange, not a single other car has come out that cheap. Obviously the variables must line up perfectly in my case for whatever reason. Shame it just isnt practical enough for me, would love one!

Scania · 12 Aug 2015 at 12:21

bledd. said:
Find lowest price you can, then call Chris Knott insurance.

I insure both of our cars for £500 total. One of these cars is group 19 (in the old groups)

Will do, I'm currently insured with Cornmarket insurance (Formerly Adelaide Insurance) under a supposed preferred rate scheme for Class 1 HGV drivers, they have quoted £550 to renew (joke!) and won't budge on it but are happy to price match any cheaper quote so long as the cover / policy details are the same, I've said I'll be taking my business to somebody willing to quote a reasonable price in the first place, so much for their "special rates for HGV license holders!

Scania · 12 Aug 2015 at 12:24

robj20 said:
Check some of the quotes some will include legal protection and might only be a few pound extra, rather than the £60 with the cheapest quote. I dont bother with it though.

I've been browsing the comparison sites, most it seems don't, until you get to the lol priced ones which throw in everything, but at absurd rates.

Makes me wonder how on earth some of the local lads I see in my postcode manage to insure the cars they have, 20yr old I know with an e46 M3 springs to mind! - I must ask him how much next time I see him!

robj20 · 12 Aug 2015 at 12:59

Age of car can make a big difference. One of my first cars was an Escort RS Turbo, that was cheap as you like to insure. Very first car was a modified Fiesta XR2 and that was very nippy. Classic policy is even cheaper but usually has restrictions when it comes to usage and milage.

Need to think like they do. What cars have the lowest claims. Things like big estate cars stuff like that, Volvo T5 are pretty cheap. Cars that dont always appeal to the younger people, things like Clios and Micras have some of the highest as these are what most young drivers think they need to have that in its self makes it worse.

Glanza · 12 Aug 2015 at 13:19

bledd. said:
Find lowest price you can, then call Chris Knott insurance.

I insure both of our cars for £500 total. One of these cars is group 19 (in the old groups)

I'm with them but getting sick of them trying to stick an extra £150-200 on my premium come renewal then having to play the shop around game to get the price back down.