Can't get insured

[matasj89 10]

Ok, this is very awkward. Moved to Birmingham and now i can't insure my 1.8 16V. I've got 5 years of NCD and i've been paying 1400£ for my previous insurance...

 

So moving to Birmingham makes me a crappy driver?

[robo22sri 10]

Probably the risk of being stolen or damaged not your driving ;)

[Portent 0]

It's all done on statistics. So drivers in Birmingham are either involved in more claims or more expecnsive claims.

 

Have you investigated the specialist/classic insurance route?

[matasj89 10]

Chris Knott, Aviva, Adrian Flux won't insure me for no known reasons (at least that is what i've been told on the phone)

Edited June 24, 2013 by matasj89

[P3rks 11]

How old are you?

 

It's all down to postcodes. I remember when I went to Uni; my insurers wanted an extra £1000 to move from Sheffield to Leeds.

 

Robbing bar stewards.

[matasj89 10]

23, turning 24 this year. I've got a friend in Birmingham who pays less than £700 for his MK2 Golf VR6 and he is 23. I do understand that it is down to postcodes, but probably the main reason is not being English and having EU license with a UK counterpart.

[VAG-hag 0]

try sky & classic line mate......

[matasj89 10]

try sky & classic line mate......

 

Already done, still waiting for them to ring for a qoute.

[Erallus 10]

The Birmingham postcode is a bad one in terms of risk.

 

I've got the same problem, ended up trying all the classic car companies for the best one.

 

Some (non classic) insurers wanted 1.5k for my Vr6. I'm 28 with 5 years NCB

[matasj89 10]

Why is it not possible to get a third party only? Some of them even come up more expensive than fully comp... No logic at all...

[guildmage 11]

Try Brentacre insurance maybe. They were extremely helpful so far. Having said that they refused my online quote, but when I rang them it was totally different story. No problems at all.

 

I'm 32, no speeding tickets or accidents, yadi yada. I did swap EU licence for UK one few years ago. I got it down to £615 comp + 5yrs NCB protected, business mileage and any visual mods allowed (just cannot increase BHP over, I think it's 150bhp. They are nice company, this year I renewed with them and it dropped from almost £900 to £615. Mind you I removed breakdown cover as I purchased AA separately.

 

Keep trying, insurers are thieves by design. Until UK law will not start properly regulate this madness we all are gonna get rip off.

[dr_mat 0]

Third party is always the most expensive part. Fully comp is only protecting your car, maximum payout is the value of the car, but third party protects against you hitting *anything else in the world* - the maximum payout of your third party cover is millions and millions if you wind up e.g. crashing your car into the gates of buckingham palace or something ..

Third party is also the only bit you're legally required to have. I'd find another postcode if you're able to - there's plenty of parts of birmingham are lower risk.

 

And yeah, having an EU license doesn't help. The missus has the same issue.

[Critical_Mass 10]

Try Greenlight

[matasj89 10]

Third party is always the most expensive part...

 

I do understand that, but the point is this is the part which is effected by the no-claims. And it SHOULD be cheaper than fully comp...

 

I guess in the end the underwriters want me to move to Wales (it is extremely cheap if you live there) lol.

[Ebbo88 10]

try admiral or elephant niether let me down ever

[VW_OwneR_85 1]

Fully comp is only protecting your car, maximum payout is the value of the car, but third party protects against you hitting *anything else in the world* - the maximum payout of your third party cover is millions and millions if you wind up e.g. crashing your car into the gates of buckingham palace or something ..

Third party is also the only bit you're legally required to have. .

 

your insurance policys will allways have cover to pay for damages against someone else's car or to some one walking on the street or the gates of Buckingham palace weather its 3rd party or fully comp that's what insurance is for...

[dr_mat 0]

Yes of course, I guess my point was just that you wouldn't expect third party to be significantly cheaper than fully comp is. At the end of the day, it's all about risk. Maybe the insurers have all found that the people who buy third party only have MORE accidents on average than people who buy fully comp? In that case they'd simply charge more for less, because that's what the numbers work out as. Nothing malicious in there, it's just the logical outcome of the mathematics.

[perky15 0]

yeah try confused.com and I put my mum and dad as named drivers im 23 and buying a vr6 storm 2moz £731 fully comp with no NCB its £1240 without my parents on there. nothing wrong with having them on there as they might drive it ;-)

[matasj89 10]

Yes of course, I guess my point was just that you wouldn't expect third party to be significantly cheaper than fully comp is. At the end of the day, it's all about risk. Maybe the insurers have all found that the people who buy third party only have MORE accidents on average than people who buy fully comp? In that case they'd simply charge more for less, because that's what the numbers work out as. Nothing malicious in there, it's just the logical outcome of the mathematics.

 

No offence, but there is no logic in your logic - if they charge more for third party, people will buy fully comp, so statistics would also change. It's just a never ending loop...

 

Just think of how much money the insurance company makes... Millions a month for an "what if". To be fair it should be government controlled.

 

Been quoted £1500 and its still too much...

[tonytiger 0]

No offence, but there is no logic in your logic - if they charge more for third party, people will buy fully comp, so statistics would also change. It's just a never ending loop... Just think of how much money the insurance company makes... Millions a month for an "what if". To be fair it should be government controlled. Been quoted £1500 and its still too much...

You can't apply logic to car insurance. In the past I too have found 3rd party to cost almost as much as fully comp. Prices fluctuate on a daily basis. And it can be more expensive to insure a low value car than a higher value one. Think of insurance quotes as random numbers, where the info you provide just affects the range of numbers used.

​Anyway it seems you *can* get insurance it's just too expensive. All you can do is keep trying.

[seanl82 23]

Its true about third party. Go on any comparison website and change them around. Third party fire and theft is usually slightly cheaper than fully comp, but third party only is ALWAYS more expensive than the rest! Its the young dumb kids that get caught with it, they automatically think it will be cheaper so wont even bother looking at fully comp assuming it will be massively expensive. Its probably true that those buying 3rd Party have more accidents too for the above reasons.

[VR6Pete 0]

Time to sell and buy a Kia mate!

[Dox 22]

If the car is LHD then that wont help premiums either

[dr_mat 0]

Exactly. People trying to find logic in car insurance prices are wasting their time - it's all about the statistics, which are based on such a large set of observations that you cannot possibly predict what the pattern will be. :)

[Kevin Bacon 5]

23, turning 24 this year. I've got a friend in Birmingham who pays less than £700 for his MK2 Golf VR6 and he is 23. I do understand that it is down to postcodes, but probably the main reason is not being English and having EU license with a UK counterpart.

 

I think that's down to individual insurers. My missus is Czech and her premiums come out the same as mine on the comparison sites. I rang QuotemeHappy (who her car is covered by) just to make sure and they said their was no loading for the EU license or her country of origin.