Insure the box or tesco black box?

Original post by IWMTom

Then that's on you.

You said "some people can't get black box policies".

Everyone can, just not necessarily on the car they want.

The op already has the car, as is the same in my situation, sorry I should've expanded on that

Reply 22

Original post by UrBusted

The op already has the car, as is the same in my situation, sorry I should've expanded on that

There's nothing stopping them swapping it for another one.

You should always get insurance quotes before buying a car. It's all part of the research.

Reply 23

Original post by IWMTom

There's nothing stopping them swapping it for another one.

You should always get insurance quotes before buying a car. It's all part of the research.

Please tell me how I can go lower than an insurance group 1, 3 cylinder Polo SE with 80ps. I've already had to give up the idea of getting a 1.0 Golf which I already have a speaker setup half ready(infotainment system isn't included as modification) for as the insurer as all of a sudden my cheap quote for it didn't exist.

Reply 24

Original post by UrBusted

Please tell me how I can go lower than an insurance group 1, 3 cylinder Polo SE with 80ps. I've already had to give up the idea of getting a 1.0 Golf which I already have a speaker setup half ready(infotainment system isn't included as modification) for as the insurer as all of a sudden my cheap quote for it didn't exist.

Insurance groupings are on the whole a load of crap.

Reply 25

Original post by IWMTom

Insurance groupings are on the whole a load of crap.

Yeah, going for a beats edition polo all of a sudden increases the car by 7 insurance groups when the only different is the colour of the trim and a 'better' sound system. Can't wait till 25.

Reply 26

Original post by UrBusted

Yeah, going for a beats edition polo all of a sudden increases the car by 7 insurance groups when the only different is the colour of the trim and a 'better' sound system. Can't wait till 25.

What I'm trying to say is, insurance groupings aren't the be all and end all to your premiums.

You might find a Land Rover with a 2L engine is cheaper to insure than a 1.2L Corsa, simply because less people in your demographic own a Land Rover.

Insurance is all about statistical analysis of Big Data - it's hard to predict.

Reply 27

Original post by IWMTom

What I'm trying to say is, insurance groupings aren't the be all and end all to your premiums.

You might find a Land Rover with a 2L engine is cheaper to insure than a 1.2L Corsa, simply because less people in your demographic own a Land Rover.

Insurance is all about statistical analysis of Big Data - it's hard to predict.

I need a mid-sized hatchback, I've tried getting quotes for the new Corsa, Ibiza, Leon, Polo, Golf, Smart Forfour, Fiesta, Focus and Audi A3. None of them have a reasonable non blackbox quote. The Fiesta would have been perfect if they didn't give it 100hp+.

Reply 28

Original post by UrBusted

I need a mid-sized hatchback, I've tried getting quotes for the new Corsa, Ibiza, Leon, Polo, Golf, Smart Forfour, Fiesta, Focus and Audi A3. None of them have a reasonable non blackbox quote. The Fiesta would have been perfect if they didn't give it 100hp+.

Why do you NEED a mid sized hatchback?

Reply 29

Original post by IWMTom

Why do you NEED a mid sized hatchback?

Why do I need to justify myself to you?? My family is involved in construction and part of the reason for having a car is to take pressure off my dad who's current not well, by taking builders to the sites in the morning, dropping them to where they need to go, getting building materials etc.

Reply 30

Original post by UrBusted

Why do I need to justify myself to you?? My family is involved in construction and part of the reason for having a car is to take pressure off my dad who's current not well, by taking builders to the sites in the morning, dropping them to where they need to go, getting building materials etc.

So you don't need a mid sized hatchback - a people carrier would be fine...

Reply 31

Universities Forum Helper

Original post by IWMTom

So you don't need a mid sized hatchback - a people carrier would be fine...

looll what? Why do you keep assuming you know everyones circumstances? I'm also a student, who has a university to go to, stations to park at, errands to run, a part time job to go to and hopefully soon a work placement. Since you seem to think you know everything about insurance, please tell me how I'll get non-blackbox insurance on something like a Ford Galaxy when I can't even get a quote on a 1.0 Audi A3?

Reply 32

Admit-One

21

If you need that specific type of car, then you need to pay the associated insurance costs. There's nothing anyone on TSR can do about that.

Tom's provided an alternative, you're not happy with it. So you'll have to pay the insurance then, simples.

Reply 33

username2393237

21

I find the whole idea a bit big brotherish and creepy.

Reply 34

I dont mind paying, idk where this conversation started, for me blackbox vs non blackbox isn't a difference of hundreds but doubles it to 4500 on a 65ps polo, I was pmd by someone who referred me to a specialist here who has been very helpful. I also agree with Tom about how bad a blackbox policy is, sorry for being so aggresive, guess I've been agitated by some builders.

Reply 35

Original post by UrBusted

looll what? Why do you keep assuming you know everyones circumstances? I'm also a student, who has a university to go to, stations to park at, errands to run, a part time job to go to and hopefully soon a work placement. Since you seem to think you know everything about insurance, please tell me how I'll get non-blackbox insurance on something like a Ford Galaxy when I can't even get a quote on a 1.0 Audi A3?

It's not cut and dry that a smaller car with a smaller engine is cheaper to insure.

It's cheaper for me to insure a Land Rover than it is to insure a 1.2L Corsa.

Reply 36