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Thread: Why I will never understand car Insurance....

  1. #1
    Regular Member Das's Avatar
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    Vehicle : Honda Civic

    Trim : SE,Panoramic Roof and Power Mirrors

    Engine : 1.8 iVtec

    Year : 2009

    Mileage : 65500

    Default Why I will never understand car Insurance....

    So just did a Go Compare Car insurance quote and these are the cheapest quotes.
    Same Company, yet one has a lower level of cover and a much higher excess, yet is more expensive.
    Attached Images Attached Images

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    Default

    Don't complain! I wish mine was that cheap

  3. #3
    Regular Member mattv6diesel's Avatar
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    Vehicle : Bmw 330d

    Trim : Msport

    Engine : 3.0d

    Year : 2008

    Default

    That is very cheap. Wish i could get rid of my volentary exess. Lad at work 19 first car a Treg corsa rust pig cost £50 but £2750-£3000 to insure first month £550

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    Regular Member Das's Avatar
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    Vehicle : Honda Civic

    Trim : SE,Panoramic Roof and Power Mirrors

    Engine : 1.8 iVtec

    Year : 2009

    Mileage : 65500

    Default

    Quote Originally Posted by thunderpantz View Post
    Don't complain! I wish mine was that cheap
    Quote Originally Posted by mattv6diesel View Post
    That is very cheap. Wish i could get rid of my volentary exess. Lad at work 19 first car a Treg corsa rust pig cost £50 but £2750-£3000 to insure first month £550
    Yea guys im not complaining about the cost, remember I am 41 which helps, its just the inconsistencies that bugs the tits out of me.

  5. #5
    Regular Member mattv6diesel's Avatar
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    Vehicle : Bmw 330d

    Trim : Msport

    Engine : 3.0d

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    Default

    Yeah thats what i was saying mate i hate volentary exsess and would like to get rid. Have deff got to read closly. I phone elephant my insurer when i'm on compare.com and they take a little code to prove i'm not making it up then normally match it

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    Regular Member Das's Avatar
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    Vehicle : Honda Civic

    Trim : SE,Panoramic Roof and Power Mirrors

    Engine : 1.8 iVtec

    Year : 2009

    Mileage : 65500

    Default

    Yea, Voluntary Excess used to be the excess, now you need to read the small print to see what their standard excess is first, then set your extra excess. Its a minefield.

  7. #7
    Regular Member J P S's Avatar
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    Vehicle : 2007 1.9cdti sri 150 estate

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    Year : 2007

    Default

    car insurance is witchcraft tbh.

    could be that the 2 different parts of the same company use different risk measures so one thinks youre less of a risk than the other.

    that is very cheap tho, i am 32 and mine is £452 this year!

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    Regular Member john_k_sri's Avatar
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    Vehicle : Insignia Grand Sport

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    Quote Originally Posted by DasArab View Post
    Yea guys im not complaining about the cost, remember I am 41 which helps, its just the inconsistencies that bugs the tits out of me.
    Wish that's all I had to moan about. I am 59, 13-years no-claims, no points but I live in a high-risk Liverpool postcode area and I get hammered every time. I have a remapped car. Cheapest for me is about £700.

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    Regular Member Ben50n's Avatar
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    I am with Hastings Direct this year, they were a good bit cheaper then the nearest rival.

    Also has a low policy excess.

  10. #10
    Regular Member Das's Avatar
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    Vehicle : Honda Civic

    Trim : SE,Panoramic Roof and Power Mirrors

    Engine : 1.8 iVtec

    Year : 2009

    Mileage : 65500

    Default

    Quote Originally Posted by J P S View Post
    car insurance is witchcraft tbh.
    I agree, pretty much a Lottery. Im cheaper for my Vectra than the wife is for her 1.2 Punto.


    Quote Originally Posted by john_k_sri View Post
    Wish that's all I had to moan about. I am 59, 13-years no-claims, no points but I live in a high-risk Liverpool postcode area and I get hammered every time. I have a remapped car. Cheapest for me is about £700.
    OUCH!!!!! I suppose a lowly 1.8 has some advantages.

    Quote Originally Posted by Ben50n View Post
    I am with Hastings Direct this year, they were a good bit cheaper then the nearest rival.

    Also has a low policy excess.
    Ive actually got a better quote through the Meerkat site, Tesco has been good for me for the last 2 years, but they are £60 more expensive this year.

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