Car Insurance.....

[Danny B 0]

Hi guys,

 

Was just wondering what everyone else is paying in car insurance on their C's.

 

I know car insurance is like black magic and taxation - no rhyme nor reason :cuckoo: ......but still intrigued to compare.

 

I live in London, 27 yrs young, have clean licence and 5 yrs NCB.....I just got quote £529 from Chris Knott.

 

Thing that bugs me is that I've been paying between £500-£600 for the last three years, and never seems to go down.

 

Any thoughts, comparisons or suggestions ?

 

thanks

 

Danny

[Jim 2]

Moved to the Insurance forum, even though its a general discussion rather than a suppliers discussion as such.

 

You're totally right mate and I've always found the same thing. Insurance in this country is a pain in the backside and as you say, you feel like burning incense and chanting before you make the call to an insurer as the prices vary so wildly between companies - you simply don't know what to expect.

 

I'm 28, have 8 years no claims, have never had any points or accidents, live in a pretty decent area and garage the car - yet I was still getting quotes around £600 this time. What more do you have to do, to prove that you're not likely to be making a claim any time soon?!

 

What enrages me the most is that you pay the same insurance on a VW Corrado, as you would on a powerful Mercedes Benz with a 3-4 litre engine, worth like £30,000 - where the hell is the justification for that?!

 

I'm fortunate that I've been able to move the Corrado onto a limited mileage, classic policy - £200 a year which includes (european) breakdown as well as various other perks! But I can only drive it for 4,000 miles a year and can't use it to commute to work :(

[Danny B 0]

Jim what company is that with.....I do less than 5k a year and would like to get a classic policy. I have a moped to use for work and use the C very sparingly.

 

I tried with one company and they said I needed to have a policy on another car to prove it was a second car....apparently a policy on a moped isnt enough :censored:

[vr6-phil 0]

I am with esure and 'only' pay £300 for me and my wife on the VR, with I think, 12000 miles per year. Not as nice as the £150 that was for my C2, but a sacrifice I was willing to make!

[The_Dude 0]

Err, near enough a grand. :(

 

But that's because I lost 5 years ncb when some git drove up the back of my valver and then drove off. And because I'm pushing 300 horses.

[Danny B 0]

I am with esure and 'only' pay £300 for me and my wife on the VR, with I think, 12000 miles per year. Not as nice as the £150 that was for my C2, but a sacrifice I was willing to make!

 

I need to move to Warwick :?

[Danny B 0]

Err, near enough a grand. :(

 

But that's because I lost 5 years ncb when some git drove up the back of my valver and then drove off. And because I'm pushing 300 horses.

 

...ouch :shock:

[vr6-phil 0]

I need to move to Warwick :?

 

Come on over, the more the merrier! It would be nice to see more Cs around the place. :)

[The_Dude 0]

Err, near enough a grand. :(

 

But that's because I lost 5 years ncb when some git drove up the back of my valver and then drove off. And because I'm pushing 300 horses.

 

...ouch :shock:[/quote:bem0eut7]

 

you know living in south london doesn't help our cause either.

 

before the incident i was paying about 400 i think.

[Danny B 0]

Err, near enough a grand. :(

 

But that's because I lost 5 years ncb when some git drove up the back of my valver and then drove off. And because I'm pushing 300 horses.

 

...ouch :shock:[/quote:363tbcrk]

 

you know living in south london doesn't help our cause either.

 

before the incident i was paying about 400 i think.[/quote:363tbcrk]

 

Yeah I know, a mate of mine use to register his car at his brothers place in Blackpool.....not the best idea I know but he use to think he saved about £800 on insurance premium each year :?

 

£400 was pretty good.....just got another quote for classic car insurance and its down to £300 which is better......does mean I have capped mileage and can only drive at night with my mother in-law in the passenger seat :D

[Jim 2]

I wouldn't broadcast that. You can get seriously done for cheating on insurance! Insurers read this forum in fact..

 

Anyway - the folks I insured with are called Lynbrook Insurance. Give em a call on 0845 130 4662.

 

Basically you can't apply any no claims bonus nor do you earn it. But my £200 includes non-competitive rally cover (nurburgring..?! must clarify that!!), european breakdown, cover in europe, and a few other perks. Downsides are if the car is at the home location, it must be garaged between 10pm and 6am I think... not sure if they do a version of the policy without needing a garage but certainly worth speaking to them all the same! :)

[dukest 0]

yeah Danny, before I modded mine it was around £430 with Adrian Flux - that was when i was 31, under 5k a year, 10 years NCB (no difference after 5 i dont think) and with 3 points. £300 is very good though!

 

Cheers

John

[Danny B 0]

I wouldn't broadcast that. You can get seriously done for cheating on insurance! Insurers read this forum in fact..

 

Anyway - the folks I insured with are called Lynbrook Insurance. Give em a call on 0845 130 4662.

 

Basically you can't apply any no claims bonus nor do you earn it. But my £200 includes non-competitive rally cover (nurburgring..?! must clarify that!!), european breakdown, cover in europe, and a few other perks. Downsides are if the car is at the home location, it must be garaged between 10pm and 6am I think... not sure if they do a version of the policy without needing a garage but certainly worth speaking to them all the same! :)

 

Its not something I would do but to a certain extent I kinda think that seen as though they shaft us on a regular basis its one up on them.....but dont get me wrong as I said its not something I would recommend or do.

 

I will give Lynbrook a call thanks.

 

It seems after ringing around the garage thing is the most important aspect.....basically your not covered if it gets stolen from home address and is not in the garage.

[Danny B 0]

yeah Danny, before I modded mine it was around £430 with Adrian Flux - that was when i was 31, under 5k a year, 10 years NCB (no difference after 5 i dont think) and with 3 points. £300 is very good though!

 

Cheers

John

 

yeah i'm with adrian flux at the moment aswell.....£300 is tempting quote at the moment, it just feels like so many restrictions :(

[Josh Waddi 0]

Your all too luck to be paying so less of a value,

 

21yrs old. 1yrs NCB £1400. this is TPFT too!!!!

[Danny B 0]

Your all too luck to be paying so less of a value,

 

21yrs old. 1yrs NCB £1400. this is TPFT too!!!!

 

I remember those days.....keep the faith mate, once you pass 25 insurance does drop although not as much as we would all like as this thread demonstrates :bad-words:

[CorradoVR6-Turbo 0]

Mine is through Brentacre and im 31, 0 points, fully comp, UK and European breakdown,all mods declared,350hp limit,all parts replaced like for like basis...basicly the full works and 3000 mile year policy.

 

£760.

[markrtw 0]

I'm 34, clean licence since 17, never made a claim, park in the street, wife on the policy too, 12,000 miles a year, either a £150 or £250 excess (I forget), all mods disclosed, £240 fully comp. Admiral Multi car with the wife's Golf GTI costing about £200 a year on it.

 

I found it dropped with these events: getting to 30, being a home owner and getting married and have been told that having kids makes it cheaper too.

It's to do with demographic markers in life that show you in the safer groups who are (statistically on average) more responsible and take less risks.

The mother in law's insurance went way up when she divorced, as obviously she had become reckless and a menace to society overnight. You know what these retired single women are like in their 1.6 Civics!

[Danny B 0]

Got a requote today from my current insurers.....£515, TPTF, with my girlfriend on policy, unlimited mileage (was capped before at 5K) and able to drive any other insured vehicle......getting better I suppose :shrug:

[The_Dude 0]

Got a requote today from my current insurers.....£515, TPTF, with my girlfriend on policy, unlimited mileage (was capped before at 5K) and able to drive any other insured vehicle......getting better I suppose :shrug:

 

you might as well go fully comp, it doesn't actually cost much more these days. well, less than you think it will anyway.

[jaded2882 0]

Just changed mine to include mods, work use, and fully comp-

 

I'm 24, 4 yrs no claims, no points or accidents, next years re-newal is £803 :mad2: but I haven't shopped around yet...

[Danny B 0]

Got a requote today from my current insurers.....£515, TPTF, with my girlfriend on policy, unlimited mileage (was capped before at 5K) and able to drive any other insured vehicle......getting better I suppose :shrug:

 

you might as well go fully comp, it doesn't actually cost much more these days. well, less than you think it will anyway.[/quote:bdfyxb1d]

 

.....looking at £750 fully comp with that deal :(

[MattWilde 10]

28 with 11 years protected ncd, fully comp with all mods declared, parked on the street and my quote for this year is £502

 

pretty pleased with that considering the engine mods

[jaded2882 0]

Has anyone had a hard time declaring mods? I phoned prudential and wheels were simple enough, then the conversation went something like this:

 

Me: I have a smaller pulley on the supercharger.

 

Insurance man: So... I'll tick supercharger added...

 

Me: No, it already has one, I've changed a component of it.

 

Insurance man: OK... There's no box for that....

 

Me: Look can I just give you a list of stuff changed and an estimated BHP at the end of it?

 

Insurance man: No we have to have power change for each mod... Have you changed anything else?

 

Me: (Gave a long list of changes, must have sounded like french to him...)

 

Insurance man: OK... I'm just going to speak to the technical staff...

 

A few mins later

Insurance man: They don't understand it either, lets just do what you suggested.

 

They have still missed a load of stuff off- the twin inlet is down as 'air vent- bodykit'??? and everything else has gone under 'Remapped ECU'. They didn't even understand a big intercooler...

[The_Dude 0]

Has anyone had a hard time declaring mods? I phoned prudential and wheels were simple enough, then the conversation went something like this:

 

Me: I have a smaller pulley on the supercharger.

 

Insurance man: So... I'll tick supercharger added...

 

Me: No, it already has one, I've changed a component of it.

 

Insurance man: OK... There's no box for that....

 

Me: Look can I just give you a list of stuff changed and an estimated BHP at the end of it?

 

Insurance man: No we have to have power change for each mod... Have you changed anything else?

 

Me: (Gave a long list of changes, must have sounded like french to him...)

 

Insurance man: OK... I'm just going to speak to the technical staff...

 

A few mins later

Insurance man: They don't understand it either, lets just do what you suggested.

 

They have still missed a load of stuff off- the twin inlet is down as 'air vent- bodykit'??? and everything else has gone under 'Remapped ECU'. They didn't even understand a big intercooler...

 

Once you start messing around with you car, forget about the main insurers, most only allow 2 mods or don't understand what the heck you're on about. Go to one of the specialists in the insurance section. They usually go on bhp with unlimited mods, like you want to.