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Thread: insurance quote

  1. #1
    Regular Member david-bell's Avatar
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    Default insurance quote

    just had my renewal for the vecs insurance £283 i feel its a bit steep for a two year old car. the quote is with all the mods alloys front back spoilers etc declared. what do any of you guys think look else where or is this agood quote ?

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    Regular Member Ian's Avatar
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    depends on your personel circumstances,

    but I got a qoute of £450 for a 1 year old Sri 1.9 cdti 16v - I'm 30 and park on the road. full no claims with no convictions or claims

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    Regular Member Steven's Avatar
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    i think thats not bad..were 315 for our sri 150 with full no claims, 26 years old BUT we live in the middle of nowhere..LOL

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    Regular Member david-bell's Avatar
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    ye mate i have full no claims no convictions live in a rural area car is locked in a garage at night im 34 my vecs a 1.8 sri just dont now if its a good quote or not

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    Regular Member Steven's Avatar
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    suppose with all the mods on it they might hike up the price a little.

    Out of curiosity what did you pay last year??

    I paid 320 for my old astra sri last year but got a renewal few weeks ago from the same company for 420!! couldnt work that out....

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    Regular Member armoured farmer's Avatar
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    Ive got the 1800 ls on a 03 plate, me and the wife ,fully comp, parkin in drive ,full no claims,all mods declared £276.00. very happy.
    As standard £231.75

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    From being involved with Norwich onion as it was affectionately known (or aviva group as now is), and my dad working for various insurance companies over the last 25 years, I have some insight in to how the 'system' works.

    Each insurance company keeps tabs on claims made in the past 5 years by postcode area, so if unfortunately everyone insured with Norwich Union near you had a theft from car this would increase your premium. So for some people what can seem like identical circumstances can lead to varying quotes. Sometimes a small company - such as A Flux, or broker might not have many cars registered with themselves in your area and if 1 or 2 cars out of 6 or 7 in your postcode area had a claim - then this too can artificially inflate your risk category.

    Further to this, insurance companies will make a loss in the first year hoping for the lazy few not to notice the hike or shop around at renewal time. Again NU Direct is doing this at the moment, Aviva has bought RAC , so they throw in breakdown cover at rediculously low prices.

    Outsourcing call centres to india is also allowing the big boys to lower coss further, but at the expense of customer services when things go belly up - try explaining to someone in Bangalore what an Irmscher front grille is!

    What can you do to lower your premium.....

    Where possible garage the vehicle, add people to the policy who are low risk - adding your parents, spouse or anyone older than you can help. Registering the car at another address - a low risk area (not 100% legal but if its a showcar that you can keep in your parents garage your are OK), lower the annual mileage - assuming that you do below 12k a year, and consider the possibility of paying for the insurance in one lump sum - as often the interest charged on the 'loan' is excessive. Another point to be aware of is if you are paying for insurance monthly - technically you are not paying month at a time - and you could be forced to pay the remaining amount until the end of the policy upon a write off or selling the vehicle!

    Hope this explains some anomolies people find

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    Have you tried confused.com?

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    Regular Member Andy's Avatar
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    i wish my renewel was only £283

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    My years insurance for the SRI CDTi 150 was £480 and thats on street parking, in a good housing estate, and also covering business miles and my girlfriend as a named driver.

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