Hey there! Sign in to join this conversationNew here? Join for free

Insurance - Stop being lazy and you wont get ripped off. Watch

    Offline

    15
    ReputationRep:
    (Original post by Friggerpants)
    Oh God.

    My **** is much bigger than yours!
    Welcome back!
    Offline

    14
    ReputationRep:
    (Original post by wibletg)
    As a 17 year old who just passed, ringing the insurance companies does jack sh**. I've rang tesco, churchill, swinton, direct line, the lot, and basically haven't had a quote for under £6,000. This is on my own policy, a 1991 polo, 3000 miles a year, no NCB etc
    £6,000!?!? Do you live in Manchester by any chance? Your postcode may be the reason for such a high insurance quote.
    Offline

    0
    ReputationRep:
    As I said phone your LOCAL brooker not the national one
    Offline

    1
    ReputationRep:
    This is true. I am currently paying £1400 for my insurance (I'm 19) and the cheapest on comparison or even indeed individual insurers online quotes was over £2300. It pays to pick the phone up
    Offline

    1
    ReputationRep:
    Its different for everyone; I've found several brokers won't even bother giving you a quote if you're young and living in Manchester.
    Offline

    0
    ReputationRep:
    my insurance dropped from £1,600 to £775 when I went from a 1.3 to a 2.3. its now about £500
    Offline

    17
    (Original post by Landie_Man)
    my insurance dropped from £1,600 to £775 when I went from a 1.3 to a 2.3. its now about £500
    It's not about engine size. Very few young drivers roll about in Land Rovers, so they're considered low risk. That's why in another thread a day or so ago people were saying that if you buy a bigger hatchback or a saloon, you'll pay significantly lower premiums because fewer younger people drive those cars.

    My friend only passed his test a month ago, and he's insured on a 1.6 Escort for the same as I was for a 1.2 Corsa two years ago.
    Offline

    2
    ReputationRep:
    (Original post by JC.)
    That's fully comp with an agreed value of 10k on the car, 5k miles a year.
    Just makes sure you don't go over your agreed mileage limit. You can also get these Limited Mileage Insurance policies on-line, not just by phone.

    These aren't for everyone as if you go one mile over they can void your insurance or sting for a fortune. Not so good for the kind of person that likes to think, "Hmm, I'll drive down to the seaside this weekend" but ideal if you're just doing the school run.

    Also, with any insurance policy, remember you get what you pay for. So in the event you have to make a claim don't expect top class service if you paid bottom dollar.
    Offline

    14
    ReputationRep:
    It's all well and good saying look around, but when you look around and find that the area you live in adds £1000 to your insurance no matter what car you get. You see how come there is a problem.

    This JC bloke appears to be into classic cars, and has an insurance policy which, by his own admission isn't anything that the general TSR user will get. If he doesn't like reading about them so much, he can stop reading the threads, it's not that hard.
    Offline

    0
    ReputationRep:
    Like I keep saying try the local number nOt the national
    • Thread Starter
    Offline

    16
    ReputationRep:
    (Original post by ocelotrevs)
    It's all well and good saying look around, but when you look around and find that the area you live in adds £1000 to your insurance no matter what car you get. You see how come there is a problem.

    This JC bloke appears to be into classic cars, and has an insurance policy which, by his own admission isn't anything that the general TSR user will get. If he doesn't like reading about them so much, he can stop reading the threads, it's not that hard.
    You miss the point. If you can't be arsed to pick up the phone you're going to get ripped off! *MY* figures are irrelevent. They merely serve to illustrate the proportion of extra money it would cost by being lazy and merely relying on the internet.
    I'm not saying EVERYONE will get an insurance quote for less than £200. However, they WILL get a better deal by shopping around PROPPERLY!

    Why is this concept so hard for people to grasp???

    For the reccord, I don't exclusively drive classic cars. I also have a modern Jag which costs a shade over £270 per year. Quote found using the principals mentioned in post 1.
    Offline

    15
    ReputationRep:
    I'm not having a go or anything, but what does your policy cover? I can find insurance on an old Cherokee with no NCD, only a provi licence of 2 years, and being 19 years old, for about £400, but it doesn't include driving round Europe or breakdown. I haven't tried phoning companies, but if you';ve got a decent policy, fully comp, I might give it a go.
    Offline

    14
    ReputationRep:
    (Original post by JC.)
    You miss the point. If you can't be arsed to pick up the phone you're going to get ripped off! *MY* figures are irrelevent. They merely serve to illustrate the proportion of extra money it would cost by being lazy and merely relying on the internet.
    I'm not saying EVERYONE will get an insurance quote for less than £200. However, they WILL get a better deal by shopping around PROPPERLY!

    Why is this concept so hard for people to grasp???

    For the reccord, I don't exclusively drive classic cars. I also have a modern Jag which costs a shade over £270 per year. Quote found using the principals mentioned in post 1.
    I did do ringing around, and each time they said it's because of the area I lived in.
    Historically a high car crime and high general crime area.
    With no insurance history, being a new driver, being young. It all added up into a high insurance quote on every car I looked at.
    Offline

    2
    ReputationRep:
    I agree with the OP, calling did make a difference for me, our Mini was getting quotes in the £7-800 range when we entered the information, finally we called up Admiral and told them the lowest we were getting was £670 from Aviva and their website was showing £700. My wife spent a good 40 minutes on the phone with them and it finally came to £550 but they couldn't do anything about our Land Rover which was still touching the £1300 mark.

    Later we visited an insurance broker in the area we live in.... a few questions and it turned out we were making a wrong declaration with the LR which was the reason the insurance was so high... after that we got the Mini insured for £550 and the LR for £845. Insurance was still through Admiral despite going through the broker...... well worth it though, the chick who is the broker is one hot bird

    Definitely pays to call or visit... definitely made a difference in my case.
    Offline

    0
    ReputationRep:
    (Original post by Jmzie-Coupe)
    £6,000!?!? Do you live in Manchester by any chance? Your postcode may be the reason for such a high insurance quote.
    Nah mate, I live in a E class postcode apparently though :/
    Offline

    14
    ReputationRep:
    (Original post by wibletg)
    Nah mate, I live in a E class postcode apparently though :/
    London?
    Offline

    0
    ReputationRep:
    (Original post by Jmzie-Coupe)
    London?
    No no, North East, I live in a decent area but it's banded in with some other crap postcodes so that's likely to affect it

    Got a quote down to £4000 but that's still silly money.
    • Thread Starter
    Offline

    16
    ReputationRep:
    (Original post by ocelotrevs)
    I did do ringing around, and each time they said it's because of the area I lived in.
    Historically a high car crime and high general crime area.
    With no insurance history, being a new driver, being young. It all added up into a high insurance quote on every car I looked at.
    And? I used to live in a band E post code area.

    I don't think where I am now is a great deal better tbh.
    Offline

    1
    ReputationRep:
    Classic Insurance is only for over 23 year olds as I found out...

    I had to sell my beloved 1984 190E because I couldn't get insured on it.

    Says that I pay £1100, for a 2000 2.0 Avensis GLS, with 3 years NCB.
    Offline

    1
    ReputationRep:
    (Original post by JC.)
    You miss the point. If you can't be arsed to pick up the phone you're going to get ripped off! *MY* figures are irrelevent. They merely serve to illustrate the proportion of extra money it would cost by being lazy and merely relying on the internet.
    I'm not saying EVERYONE will get an insurance quote for less than £200. However, they WILL get a better deal by shopping around PROPPERLY!

    Why is this concept so hard for people to grasp???

    For the reccord, I don't exclusively drive classic cars. I also have a modern Jag which costs a shade over £270 per year. Quote found using the principals mentioned in post 1.
    Can I ask how you managed to get insured on a modern Jaguar for only £270, is it a lowly 2.0 Diesel X Type?

    Because my Dad's 3.0 S-Type costs him £312 with a local broker, he's pushing 60, multiple years no claims bonus spreading multiple vehicles with the max 70% bonus and a clean licence.

    And his Lexus LS600 costs almost £700 to insure with the same conditions.
 
 
 
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • Poll
    Has a teacher ever helped you cheat?
  • See more of what you like on The Student Room

    You can personalise what you see on TSR. Tell us a little about yourself to get started.

  • The Student Room, Get Revising and Marked by Teachers are trading names of The Student Room Group Ltd.

    Register Number: 04666380 (England and Wales), VAT No. 806 8067 22 Registered Office: International House, Queens Road, Brighton, BN1 3XE

    Write a reply...
    Reply
    Hide
    Reputation gems: You get these gems as you gain rep from other members for making good contributions and giving helpful advice.