How do you get your car insurance>

Dis86 · 15 Apr 2019 at 22:52

@NVP you on my side yet?

Akagi · 16 Apr 2019 at 09:29

Start with comparison sites then call specialist brokers with the price to beat.

MissChief · 16 Apr 2019 at 09:42

Gibbo said:
I use comparison sites, call the top three, ask for better, speak to specialist brokers.
Then whoever gives me best quote or best price and best service combination, I then pay for in full.

The SVR cost me £780 this year, M3 is circa £450 with a declared value much higher than book and the Clio was about £200.

Out of interest was there a big increase from the SVR to the Ferrari?

Akagi · 16 Apr 2019 at 10:07

Meanwhile I have to pay £700+ for a 2001 Volvo with 5 years NCD.

Joys of being in your early 20's.

MOOGLEYS · 16 Apr 2019 at 11:11

Now I’m over 40 they are all pretty much the same price. I still check compare sites just to make sure even though I pay under £200 for both cars......

Randomface74 · 16 Apr 2019 at 11:22

My auto-renewal just came through, a little over £400.
Price comparison sites found me something around £260.
Job done, ez pz.

Mobius 1 · 16 Apr 2019 at 11:27

My renewal just came though. £210 a year. Happy with that. About £100 less than my mx5 was costing me.

Gibbo · 16 Apr 2019 at 11:48

MissChief said:
Out of interest was there a big increase from the SVR to the Ferrari?

Ferrari is £1100.

cheesyboy · 16 Apr 2019 at 12:01

200sols said:
But online you can usually get near £50 cash back, sometimes a lot more.

Cashback sites usually come out more expensive than comparison sites for the same quote.

Although last year I did get cashback on my home insurance with a quote originally generated from a comparison site. A lucky glitch.

NVP · 16 Apr 2019 at 15:16

Dis86 said:
@NVP you on my side yet?

Acme said:
Meanwhile I have to pay £700+ for a 2001 Volvo with 5 years NCD.

Joys of being in your early 20's.

You're lucky, I was paying 3.3k at 25

Mark1989 · 17 Apr 2019 at 07:28

Used comparison sites, seems we're always paying stupid amount, wife has 8 years ncb, still pays over £800, can only assume due to bd4 area we're in.

It went up when I went on it which is fair enough as new driver last year so interested to see what happens this year

Akagi · 24 Apr 2019 at 17:21

Insurance renewal came through with Flux for £1061
Checked on comparison sites and policies were all £800 - £900
Phoned them up and asked if they can do any better, and they matched the lowest one of £800 including loads of stuff the cheapest comparison quote didnt include, like comp cover to drive other cars, £0 excess, legal, protected NCD, etc.

Happy with that. :cool:

theone8181 · 24 Apr 2019 at 19:37

Gibbo said:
Ferrari is £1100.

Seems expensive, I ran a quote through for a lambo and it was cheaper than my m3 (although so was my 911). It's a bit of a lottery I find. Was about 400 I think, maybe ferrari parts cost more?

Housey · 24 Apr 2019 at 19:45

£1810 for me.

R8
E Class

Any car up to 1M fully comp for me
Anyone over 30 drives mine fully comp (except people who follow the Karkuntians on Twitter)
Like for like hire car
My choice of repair centre
Letter X removed form the English language for the moth of Fzember which is the 13th month added at my request

Spesh

Broker

Akagi · 24 Apr 2019 at 20:39

I'm under 30 but my insurance allows me to drive your car fully comp. Wanna swap for an Ovlov for a week?

Housey · 24 Apr 2019 at 23:54

Acme said:
I'm under 30 but my insurance allows me to drive your car fully comp. Wanna swap for an Ovlov for a week?

Let me think about itno

Akagi · 24 Apr 2019 at 23:55

Housey said:
Let me think about it

ILL LET YOU GET BACK TO ME WHEN YOU'RE IN A BETTER MOOD K

Hades · 25 Apr 2019 at 00:09

I usually just check the comparison sites for my main car and buy the cheapest that meets my criteria. I used to phone around as well but with 19 years NCD, garaged overnight and being 49 there's only a few pounds difference, so it's not worth it. My Corrado is on a specialist policy (6 yrs NCD) but they usually come out cheapest, and again its so cheap nowadays that it's not worth much time calling around.

Being old has very few benefits. But car insurance is one of those few moments to rejoice.

EDIT: I do play around with some of the criteria on the comparison sites and get some strange results. Weirdly, reducing my excess also reduced my policy cost. Win/win

Akagi · 25 Apr 2019 at 00:35

This year with 5 years NCD at 23 is the first time quotes for most moderately high performance cars are three figures not four.

It makes me weep when people talk about their £150 policies on M3's and stuff

Hades · 25 Apr 2019 at 00:42

Acme said:
This year with 5 years NCD at 23 is the first time quotes for most moderately high performance cars are three figures not four.

It makes me weep when people talk about their £150 policies on M3's and stuff

If it makes it any easier, performance cars can often be cheaper to insure than regular cars. It's due to statistics. If the percentage of people crashing (or having stolen) average cars in your area is higher than people crashing their performance cars, then the M3 will be cheaper. I can't remember the exact figures but at one point I considered buying my brothers Vantage and it was ridiculously cheap to insure; hardly any more than the Peugeot 206 Diesel I recently acquired. I can understand why that is; I'd treat a Vantage/M3/Whatever like it's wrapped in cotton wool. But a cheap diesel hatchback not so much.