Soldato
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- 18 Oct 2002
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- 8,314
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- The Land of Roundabouts
Sounds stupid but try fully comp, i found it was 300 cheaper 
Insurance questions.
- Thread starter NarChaDBaueR
- Start date
- Joined
- 22 May 2006
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- 693
yeah im pretty sure!! ive tried directline and they were similar price to tesco. About £2100 my mums put me on her insurance for a week or so just to go to work in. My dad has said he'll pay for the insurance, so i avoid 20% something APR and get like 6% and also he'll pay 50 a month towards it.
So it ends up being more managable at about 150 a month.
So it ends up being more managable at about 150 a month.
- Joined
- 22 May 2006
- Posts
- 693
They dont seem game for haggling tbh.
well i'm only 22 (had my licence since 17) never owned a car (me a biker)
i was looking at quotes for several V6 models to compair against a mate. a Calibra V6 only came under £2k and i live in a high risk area. (east end) so something does not sound right with your quote.
i was looking at quotes for several V6 models to compair against a mate. a Calibra V6 only came under £2k and i live in a high risk area. (east end) so something does not sound right with your quote.
Insurance companies just hate some of us for no reason
I'm 24 and currently paying just under £1600 fully comp, when younger members here seem to have no trouble insuring much more powerful cars for half as much
I just gave that a try, comes out a tad more expensive than my current insurance. I'll keep it in mind for renewal time though
- Joined
- 22 May 2006
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- 693
Well some more questions;
Ive just had £2500 ish wired to my bank accountingz and before i insure the tipo got a few queries!
1. If i pay up front and worse comes to worse and i crash say after a month will i get my money back, and if so how much of it?
2. Is it worth me getting a small little car, cheaper insurance and selling the tipo?!
Jack
Ive just had £2500 ish wired to my bank accountingz and before i insure the tipo got a few queries!
1. If i pay up front and worse comes to worse and i crash say after a month will i get my money back, and if so how much of it?
2. Is it worth me getting a small little car, cheaper insurance and selling the tipo?!
Jack
Soldato
- Joined
- 14 Jul 2005
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- 17,616
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- Bristol
You sure about that?
At 17 Norwich Union were about half the price of all other companies for me, and then Endsleigh when I was 18 were even better than that.
Make sure you put down yourself as being a student when you run quotes.
InvG
Soldato
- Joined
- 14 Jul 2005
- Posts
- 17,616
- Location
- Bristol
For a first car (unless you already have it) a 1.1/1.2 is all you need, as you are likely to prang it in your first year - most young drivers do.
If you already have the Tipo, stick with it, and pay upfront, as it'll save you around £500 of charges for paying monthly.
You will not get your money back on the car if you prang it.
How much did the car cost you? If it cost sub £1k go TPFT, if more, I'd go FC.
Also, what have you set the 'excess' as? Being a young driver you should set it as something like £500+
InvG
It depends how much damage you have. If you have a small crash you the insurance would cover the other party and if you wanted yours repaired you could pay the excess and get them to do it or DIY it.
If you have a massive crash the ins will pay other part and either you let them see your car they write it off you get paid off with cars value (minues excess) and you insurance is now ended with no premium refund (know as a total loss claim). If you didnt declare it then you could get a new car and change insurance to new car (i did this with a £400 escort)
Only if its a total loss claim