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Thread: what would you do?

  1. #1
    Regular Member chris1804's Avatar
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    Default what would you do?

    my insurance is always high, just what would you do

    my renewal is with direct line its 12 months at £114 and excess at £600


    been on confused.com

    tesco its £189 deposit then £89 a month with £750 excess thats the cheapest i can get it

    part of me is thinking change to tesco and other part is thinking not worth the hassle changing, wha would you do?

  2. #2
    Regular Member lofty's Avatar
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    Vehicle : Vectra C Estate

    Trim : Elite

    Engine : 1.9 CDTi


    Default

    how many months @ £89?

    If it's 10 or even 11 months it's still cheaper providing you can stump up the £189 in the first place.

  3. #3
    Regular Member chris1804's Avatar
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    Quote Originally Posted by lofty View Post
    how many months @ £89?
    10 months its the excess that gets me at £750 being a young driver aint so good lol

  4. #4
    Regular Member Handyandy-UK's Avatar
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    Vehicle : BMW 525i

    Trim : SE Touring

    Engine : 3.0

    Year : 2007

    Default

    Change to the lowest that still gives you cover you can afford. Set your excesses as high as you can afford to, and improve your driving - don't get speeding tickets, assume everyone else on the road is an idiot and keep plenty of space between them and you, avoid making changes to your car away from Vx standard parts....

    ... keep your nose clean and every year search for the best deal - in the long term it's worth it - I've worked my way up to the point where this year I'm sticking with eSure as they're giving me 17+ years no claims and a premium of £265 for my 3.2 GSi.
    Last edited by Handyandy-UK; 27th April 2010 at 13:29.

  5. #5
    Regular Member lofty's Avatar
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    Vehicle : Vectra C Estate

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    Default

    Quote Originally Posted by chris1804 View Post
    10 months its the excess that gets me at £750 being a young driver aint so good lol
    neither is £600! Don't have any accidents lol.

    £1368

    or

    £1079

    more than covers your £150 extra.

  6. #6
    Regular Member chris1804's Avatar
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    Quote Originally Posted by Handyandy-UK View Post
    Change to the lowest that still gives you cover you can afford. Set your excesses as high as you can afford to and improve your driving - don't get speeding tickets, assume everyone else on the road is an idiot and keep plenty of space between them and you, avoid making changes to your car away from Vx standard parts....

    ... keep your nose clean and every year search for the best deal - in the long term it's worth it - I've worked my way up to the point where this year I'm sticking with eSure as they're giving me 17+ years no claims and a premium of £265 for my 3.2 GSi.
    Quote Originally Posted by lofty View Post
    neither is £600! Don't have any accidents lol.

    £1368

    or

    £1079

    more than covers your £150 extra.

    thanks for info looks like ill go with tesco, all i need to do is get me a club card for the points lol

  7. #7
    Regular Member Handyandy-UK's Avatar
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    Vehicle : BMW 525i

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    Quote Originally Posted by chris1804 View Post
    thanks for info looks like ill go with tesco, all i need to do is get me a club card for the points lol
    Get a clubcard and a tesco credit card (as your only credit card) - the credit card is also a clubcard so you get even more points back!

  8. #8
    Regular Member bigdave1701's Avatar
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    Have you got an old(er) driver who can go on the policy as a named driver to help bring it down a bit? anyone over 25 with a few years of claim free and points free driving will do the job (parent, aunt, uncle etc...).

  9. #9
    Regular Member chris1804's Avatar
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    Quote Originally Posted by bigdave1701 View Post
    Have you got an old(er) driver who can go on the policy as a named driver to help bring it down a bit? anyone over 25 with a few years of claim free and points free driving will do the job (parent, aunt, uncle etc...).

    thats with my father in law as names driver mate,

  10. #10
    Regular Member bigdave1701's Avatar
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    Quote Originally Posted by chris1804 View Post
    thats with my father in law as names driver mate,
    JESUS! Are you 17 with 9 point and a previous drink driving ban or something?!?

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