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

robj20 said:
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.
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The above doesn't make much sense tbh, when I was around 20, I had two RS Turbo's, drove both like your average 20yr old in such a car (I.e. Like a tool when I look back with the experience of age!) and they were both subsequently stolen,one recovered, one not, I also had an XR2 and wrote it off driving in a similar manner!

I'm 44, 11yrs+ ncb, accident & claim free and a professional driver yet my 15yr old £1500 automatic 530i (which is hardly aspired to by most young knobbish drivers) is proving relatively expensive - for me and my age IMO - to insure yet I can get cheaper quotes on say an M5 or V8 engined 7 series of the same age which is absurd to my mind.
 
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[TW]Fox;28428219 said:
Getting a car in and out of a garage is a significant cause of accidental damage claims.
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Given the tiny size of most modern garages, I have no trouble believing this. And for those saying cars in garages are out of sight. Well, what about going in and out of them? Criminals do patrols you know.
 
The thing with garages that confuses me, even having worked for a major insurer is the fact that some companies consider them higher risk yet when I get quotes for my classic car nobody will touch it with a barge pole unless it's garaged overnight.
 
Insurance in this country is a ridiculous scam. In some other countries they work it so you insure the CAR and not the person driving it. It means that cars are much more useful as a result, because anybody with permission from the owner can drive them. I don't see why we can't have the same sort of system enforced here.
 
mccarf said:
Insurance in this country is a ridiculous scam. In some other countries they work it so you insure the CAR and not the person driving it. It means that cars are much more useful as a result, because anybody with permission from the owner can drive them. I don't see why we can't have the same sort of system enforced here.
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Can't see this happening here though
 
It's the car and your age, but not as you might think. You're prime client and the option is to spend a chunk of cash on a newer car or stump up a premium for insurance. The sad thing is even with a year driving the new car you will probably be offered the same deal next year.

Who are you getting quotes from BTW?
 
jigger said:
It's the car and your age, but not as you might think. You're prime client and the option is to spend a chunk of cash on a newer car or stump up a premium for insurance. The sad thing is even with a year driving the new car you will probably be offered the same deal next year.

Who are you getting quotes from BTW?
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I normally go to Compare the market and Confused.com find the 5 cheapest quotes then try to lower them by going direct.

Lowest was from Admiral.
 
Just checked again on confused, if I put my current insurance down which is £400 on my astra it brings it down to £750 from admiral haha. They wouldn't even go direct for less than 1050.
 
The online premium offers will all be about the same and I hate to say but the market is looking to target you. Try some of the smaller firms by phone, possibly ones local to you.
 
My renewal came through from Bell the other week at £1120 (E92 M3, 26 yrs old, 6 years NCB). I couldn't get a better quote elsewhere however decided to phone them up anyway and have a whinge about the premium.
The advisor asked whether or not I needed two additional drivers - I had my mum and dad added onto the policy as I thought it would reduce it. However when he took them off the policy it reduced by £300! He then offered an additional £250 discount for me to stay with them, bringing it down to £600ish. I then protected my NCB for an additional £130 (not sure whether that was actually worth doing or not?). Very happy.

It is worth checking whether you need additional drivers on your policy or not and what difference it makes.
 
I find having one extra driver reduces my premium but two or more extra increases it by some margin.
 
Arthur Hucksake said:
That is annoying. Putting premiums up to match men for the purpose of "equality" isn't equality. Positive discrimination if anything.

Finding an average median between the two would have been the right way.
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My insurance pretty much halved when this came about, I was paying 4 to 5 hundred, now two to three hundred. But I'm mid 30s, maybe I got over an age barrier?
 
It wasn't just up to match men, men came down and they met in the middle.

The discrimination was using statistics that simply showed women to be lower risk, in general, than men.

They took this stat out of the calculation and averaged it for all. My insurance cost dropped dramatically.
 
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