Car Insurance Advice - MINT, Swinton, Quinns

jellybeard999 · 21 Nov 2006 at 22:07

I have done a search on car insurance, and confused.com found me the cheapest so far in order are...

Mint
Swinton
Quinns

All 3rd Party F+T, all within a few pounds of each other

Which would you choose ?

Thanks for any help.

Dreadi · 21 Nov 2006 at 22:08

confused.com is not really recommened

Jez · 21 Nov 2006 at 22:09

Out of the three, swinton, if there is nothing in it.

Glaucus · 21 Nov 2006 at 22:09

none, try

www.Moneysupermarket.com

and remember if you have low ncb or are young put a parent in which has been driving 10+ years

merlin · 21 Nov 2006 at 22:09

Mint is not an insurer, neither are swintons.

Arguably Quins aren't too

Who are the actual insurers behind Mint and Swintons?

jellybeard999 · 21 Nov 2006 at 23:42

well im 20, first car, and just want 3rd party fire and theft

What would you recommend i try ?

ste_bla · 21 Nov 2006 at 23:59

Post Office and one of the admiral lot (admiral/elephant/etc)

jellybeard999 · 22 Nov 2006 at 00:07

ste_bla said:
Post Office and one of the admiral lot (admiral/elephant/etc)

Mint is backed by these ?

If so, seems like a decent deal

Do i want "Protected no claims" or not ?

If im 3rd party, i dont need to worry about excess charges do i ? Or are they excesses i have to pay if i damage someone else ?

ste_bla · 22 Nov 2006 at 00:16

jellybeard999 said:
Mint is backed by these ?

No you said you wanted surgestions, like the above mint will be a broker..

jellybeard999 said:
Do i want "Protected no claims" or not ?

If im 3rd party, i dont need to worry about excess charges do i ? Or are they excesses i have to pay if i damage someone else ?

You have no bonus to pretect i take it so no..

Edit:Im retarded!!!

jellybeard999 · 22 Nov 2006 at 00:30

Thanks for the help

So would you specifically avoid going with mint ? Elephant is another £200 on top of Mint.

I presumed bonus protect referred to the future bonus lol ... what it meant... no idea

So i have 0 NCB atm , in one years time, do i want to protect it ? or not ? I thought you didnt claim, so got a bonus of £xx off, and this increases as time goes on...

merlin · 22 Nov 2006 at 08:44

jellybeard999 said:
If im 3rd party, i dont need to worry about excess charges do i ? Or are they excesses i have to pay if i damage someone else ?

The excess only applies to your car.

jellybeard999 · 22 Nov 2006 at 08:57

Thanks for all the advice...

I have been recommended CIS (CO-OP) and its 880

with a low excess too ... so they are in the lead atm

PMKeates · 22 Nov 2006 at 09:05

Interestingly confused.com is owned by Admiral!

Firestar_3x · 22 Nov 2006 at 09:14

Just done a quote through moneysupermarket & confused, all the quotes than came back are almost double what i can dig out myself from my prefered insurance company.

ste_bla · 22 Nov 2006 at 10:32

merlin said:
The excess only applies to your car.

How does that work when your car isnt repaired?

website via google said:
Third Party Only Insurance
By law, as far as the Road Traffic Act(s) are concerned, you need to have a minimum level of car insurance. Third party only car insurance will only cover your liability to others. There is no cover for damage to yourself or your vehicle.

Unless I've been confused for years the excess is payable for the repair for the other car?

merlin · 22 Nov 2006 at 10:34

ste_bla said:
How does that work when your car isnt repaired?

It doesn't. If you don't (or can't) claim for your damage then you don't pay the excess.

As said, the excess doesn't apply to any claim a third party may make against you.

ste_bla · 22 Nov 2006 at 10:36

merlin said:
It doesn't. If you don't (or can't) claim for your damage then you don't pay the excess.

As said, the excess doesn't apply to any claim a third party may make against you.

So whats the point in them telling you the excess as under 3rd party your car wouldnt be repaired??

I'm really confused now

merlin · 22 Nov 2006 at 10:36

ste_bla said:
So whats the point in them telling you the excess as under 3rd party your car wouldnt be repaired??

I'm really confused now

Because with TPFT you have fire and theft insurance.

So if it's stolen - you pay the excess, or if it goes up in flames - you pay the excess.

Ex-RoNiN · 22 Nov 2006 at 10:49

jellybeard999 said:
Thanks for the help

So would you specifically avoid going with mint ? Elephant is another £200 on top of Mint.

I presumed bonus protect referred to the future bonus lol ... what it meant... no idea

So i have 0 NCB atm , in one years time, do i want to protect it ? or not ? I thought you didnt claim, so got a bonus of £xx off, and this increases as time goes on...

Do a Pass Plus course and get 1 year NCB for 6-10 hrs worth of lessons = result!

sam83uk · 22 Nov 2006 at 12:59

Ex-RoNiN said:
Do a Pass Plus course and get 1 year NCB for 6-10 hrs worth of lessons = result!

how does that work?