Insurance - Found some rather interesting money saving tips, but confused as to why?

Overtaking on white lines I think.

As for your insurance going up when hit, it's a bit of an odd one that. I think Merlin explained it to me when I got rear ended, it doesn't go up as such, it's just you don't qualify for the 'super discounted' price you get when you're completely clean of accidents - the base price is what you're actually getting.

Still has the same net effect though, you end up paying more for no fault of your own. :(
 
Lowe is right

having a claim, regardless of whose fault it is will increase your premium. It wont "load" your policy but it will remove some discounts.

This obviously is different for each insurer.

When we have a policy that's had a claim, their NCB goes immediately into abeyance regardless of whose fault it is, until the claim has been closed and resolved. If it is then non fault, they get their two years back :)
 
I'll be looking at insurance in a couple of months and currently use the mother as a named driver (aswell as father) to try and get the total down but I'm wondering if having her on really is reducing my fully comp price,

She's down as having a claim from a couple of years ago, car stolen and recovered. Is it likely to be balancing out or still reducing the price?

Insurance paid out about £1k for the repairs needed to the stolen car, it was an old Metro worth about £400 :rolleyes: paid it out because it only had about 16k miles on the clock. Even got a free stereo out of it since the thieves had taken the blanking plate out of the desh (no stereo originaly fitted) and the repairer told the insurance the head unit had been taken :)
 
Wardie said:
I really don't understand how you've come to that conclusion. It's completely backwards and makes no sense at all why fully comprehensive would be cheaper mand third party, and i've certainly never had a quote cheaper for fully comp.
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Think about it this way, compare the kind of person who asks for 3rd party, with the kind of person who asks for fully comp, who's more likely to prang it?

Fully comp has ALWAYS been cheaper for me.
 
Wardie said:
I really don't understand how you've come to that conclusion. It's completely backwards and makes no sense at all why fully comprehensive would be cheaper mand third party, and i've certainly never had a quote cheaper for fully comp.
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My FC quote was cheaper than TFT this morning, by £15.
 
Mine is always considerably higher, this is for my first car though so i'm guessing that could be it?

It just all seems a little backwards to me :)

I'll take your word for it though because I don't really know that much. Having an absolute nightmare with getting insurance quotes for my first car at the moment.

Grrrrrrrr expensive insurance
 
Wardie said:
... this is for my first car though ...
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heh, welcome to the world of legalised robbery. Try thinking of NCB as "lube". Without NCB, it's gonna sting a bit ;)
 
Wardie said:
Mine is always considerably higher, this is for my first car though so i'm guessing that could be it?
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My 1st car was cheaper fully comp :confused:
3rd party was £300 more expensive! How the company's work this out is beyond me!
 
Try Endsleigh if you are a student, they are owned by the student union and so give a discount :)
 
At 18, I've found...

Add both your parents as drivers. It brought down potential Mini Cooper S insurance from £3000 to £2,200 pa. I suspect age is actually irrelevant for this. I spoke to a bloke the other day who drives a Focus ST and he said adding his girl friend on the quote actually reduced it. They're both 27.

Also, if you did Pass Plus put it down in the license type options. Again, knocked off loads on higher insurance groups cars.

What's interesting though is what to put as your occupation if you're living at uni away, but don't take your car with you. I know UNI-LIVING AWAY is an option but when you select that do they think you'd be taking your car with you or leaving it at home.
 
I just got a quote of £800 and was really impressed.




Then I realised I selected provisional instead of full licence.

:mad:
 
anybody found the cheapest way to describe IT support to companies

i never seem to find my title so just put IT consultant (well my job title is Systems Support Consultant)
 
MrLOL said:
anybody found the cheapest way to describe IT support to companies

i never seem to find my title so just put IT consultant (well my job title is Systems Support Consultant)
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IT is apparently one of the highest groups for insurance!
 
My insurance renewal is due soon and was running some quotes and changing some details, for some reason where I live driveway is cheapest, then street, then garaged is more expensive than both of them!

Get a bit of a discount though when I put british telecom - engineer instead of just engineer which is cool though. Trying to breach the magical under a grand barrier which I'm close to doing :D
 
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