Hi all. As stated im getting some scary insurance quotes on the tin top im only young but now 21 with 4years no claims im a bit miffed that im told i have to pay £1200 for my 04plate mondeo. when last year i was driving a freelander td4 which is a higher group insuance wise and only paying £1060 im confused by all the silly questions as im straight with it all as i have nothing to hide as i have the kit car to play with. So i ask who would people recommend for tin top insurance and before anyone says try adrian flux well i did today and best they could do way £2800.
I got a very good deal with privilege this year on the tintop. I'm guessing you've tried all the comparison sites? Have a play around with
adding/removing named drivers such as spouse, parents, older sisters etc it can make a big difference and perfectly legal. Having my dad on my
insurance used to give at least 10% discount up until he turned 60 a couple of years ago and it went up!!
I think they just pick a number out of thin air these days, especially where renewals are concerned.
Does the parent thing still work if youv moved out as bought a house last year and my other half has only a provisional so adding her jumps it up a little.
Insurance is so random! Im similiar age,NCB to you etc... and i did a quote a month before renewal and it somehow managed to jump up £200 last month at renewal time. No one would do it any cheaper.... However im paying around £700 on a 04 diesel 16v 1.9 Alfa 147, also 21.
Yep. Sister in law was on mine for a while for this reason. Does seem high, though 21 is still young to insurers. We are seeing a big change this year now the wife is 25.
quote:
Originally posted by samjc
Does the parent thing still work if youv moved out as bought a house last year ....
quote:
Originally posted by samjc
Does the parent thing still work if youv moved out as bought a house last year and my other half has only a provisional so adding her jumps it up a little.
Fully comp is now cheaper than 3rd party. Goes on cars reputation as much as your own so large executive cars like merc's etc can be a lot cheaper than a fiesta, ignore the original banding when the car was new. I work with a guy who has 9 points on his licence for speeding, was quoted over £1000 for his little Peugeot so got a 3.2ltr merc coupe instead and is just over £300 fully comp, only prob is the £10 a day petrol cost
Insurance doesnt make sense, my missus is 34 we brought her a little 1.1 saxo and they wanted 400 quid more to insure her on that with a clean lisence
and 5 years ncb than for both of us on a 03 mondeo wen i have 6 points and only 4 years ncb
it really doesnt make sense
adding my mum to my insurance has taken about 10% off mine for the last 11 years
but not sure how this will change with the EU rule changes about male/female drivers
adding any more experienced driver will normally help as long as they've got a job that fits into the low risk categories and have no claims or
convictions
my GF had only been driving 3 years when I added her, she put the price up by £40
but adding a couple of my mates who've been driving almost as long as me didn't change the price at all (not even a penny)
quote:
Originally posted by dhutch
when moving from 'mechanical engineer' to 'design engineer'l
quote:
Originally posted by carlknight1982
Insurance doesnt make sense, my missus is 34 we brought her a little 1.1 saxo and they wanted 400 quid more to insure her on that with a clean lisence and 5 years ncb than for both of us on a 03 mondeo wen i have 6 points and only 4 years ncb
it really doesnt make sense
I've found your postcode has the most significant effect on insurance premiums, it's almost so bad that when I go looking for a new house it'll be 'location, location, car insurance quote'...
Agree with you there Slimy as I'm in the same postcode as you I think. I work for a major insurer, and they offer staff discount. They won't insure me however due to my postcode! Cheeky buggers. It's very pleasant where I live, however the shady council estate up the road with the shared postcode causes all my problems!
Try fiddling with the mileage as well. As strange as it sounds 15k miles was £20 cheaper than 10k miles a year!
quote:
Originally posted by Proby
Agree with you there Slimy as I'm in the same postcode as you I think. I work for a major insurer, and they offer staff discount. They won't insure me however due to my postcode! Cheeky buggers. It's very pleasant where I live, however the shady council estate up the road with the shared postcode causes all my problems!