bigbravedave
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| posted on 27/8/09 at 01:44 PM |
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Whats going on with tin top insurance quotes these days!!??
Im 26, have 8 years no claims, drive a golf tdi estate worth a grand. Why am I being quoted over 80 quid more then last year?
Its jumped from 260 tpft to 345. I thought HIC where having a laugh until I did the usual confused/compare/supermarket.coms and they quoted more!
Its garaged, cat1 alarmed, on a limited mileage policy as it is. Im going to try adding a parent as a named driver to see if it goes down.
Any ideas on how to get the quote down, Its 25% up on last year.
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graememk
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| posted on 27/8/09 at 01:46 PM |
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must be your post code area.
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Guinness
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| posted on 27/8/09 at 01:47 PM |
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Stick the wife on the policy?*
Is the cover TPFT?
Take a bigger excess, and make sure you haven't selected stuff they charge you more for, like legal cover, courtesy cars etc etc.
Mike
* Obviously if you don't already have a wife, the cost of getting one far outweighs the savings!
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alistairolsen
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| posted on 27/8/09 at 01:47 PM |
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They do seem to be pretty random, Ive had times when FC was cheaper than tpft, others he other way around, Ive had cheaper quotes on cars of a higher
insurance group etc
My Build Thread
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Mr Whippy
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| posted on 27/8/09 at 01:57 PM |
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as above, put the missy on and it will drop
Fame is when your old car is plastered all over the internet
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chrsgrain
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| posted on 27/8/09 at 01:58 PM |
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Get older.....
Chris
Spoing! - the sound of an irony meter breaking...
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britishtrident
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| posted on 27/8/09 at 01:58 PM |
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quote:
Originally posted by alistairolsen
They do seem to be pretty random, Ive had times when FC was cheaper than tpft, others he other way around, Ive had cheaper quotes on cars of a higher
insurance group etc
The reason is statistically TPFT customers have more total burn out car fires or stolen not recovered claims than nice respectable Fully Comps.
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Richard Quinn
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| posted on 27/8/09 at 02:00 PM |
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My lad has just come back from Canada and is looking for a car and going through the usual "see the advert, check the insurance"
rigmarole. He's 19, no NCB as he has already written one car off and I happened to be in the other night when he spotted an old Vauxhall Tigra
1400 for £800 and went on one of the comparison sites and the quotes for TPFT ranged from £1,600 a year to more than £13,000 for the same cover!!! I
could understand it if there were some around £1,600 who would take his business but at their price and some at £13,000 who obviously didn't
want his business but quoted anyway but he had the full range of prices in the £1k, £2k, £3k etc brackets all the way up to the £13k. What real
differences can there be in service to warrant that difference (the £13k option did include "free" breakdown cover though).
[Edited on 27/8/09 by Richard Quinn]
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Richard Quinn
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| posted on 27/8/09 at 02:03 PM |
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quote:
Originally posted by Guinness
* Obviously if you don't already have a wife, the cost of getting one far outweighs the savings!
The cost of getting one isn't
that bad. It's maintaining them that costs you!!
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britishtrident
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| posted on 27/8/09 at 02:14 PM |
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Try online quotes from LV or the Post Office or Marks & Spencer or More Than -- on their own sites and via Compare the Meerkat.
For anyone with LPG cars LV are particularly good no loading for LPG and no LPG paper work required.
Our risk hasn't changed but our premiums have changed went down to almost 1/3 what we were paying 12 years ago.
These days no matter what you drive (short of a Ferrari) for over 28 year old the premiums seem to be in the 200 to 300 pound range -- I even no
a geezer with a new Range Rover Sport who is paying less than 300 pounds.
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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cd.thomson
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| posted on 27/8/09 at 02:20 PM |
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ive only been driving for 5 years but ive never had a cheaper quote for TPFT than FC.
I'm currently sitting on a £500 excess and £600 a year for a £1500 car. Needless to say, I wont be crashing it if I can help it 
On a side note. If I were a billionaire, i.e. could prove that I could pay for any and all damages incurred by an accident, is there anyway I could be
uninsured? In 5 years I've spent nearly £5k on unnecessary (fortunately) insurance so when I am that rich, it'd be nice to have the pocket
money 
Craig
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Mr Whippy
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| posted on 27/8/09 at 02:34 PM |
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quote:
Originally posted by cd.thomson
On a side note. If I were a billionaire, i.e. could prove that I could pay for any and all damages incurred by an accident, is there anyway I could be
uninsured? In 5 years I've spent nearly £5k on unnecessary (fortunately) insurance so when I am that rich, it'd be nice to have the pocket
money
When I worked for the busses I was told they didn’t have insurance for them  instead the company only had to have an amount set aside to cover any
claims they may have. So I suppose the answer is yes if you were super rich then you wouldn’t need to get an insurance policy. When you think about it
all your really doing normally is getting access to some else’s money they have in the bank because most people can’t afford to pay damages.
[Edited on 27/8/09 by Mr Whippy]
Fame is when your old car is plastered all over the internet
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alistairolsen
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| posted on 27/8/09 at 03:08 PM |
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quote:
Originally posted by Mr Whippy
quote:
Originally posted by cd.thomson
On a side note. If I were a billionaire, i.e. could prove that I could pay for any and all damages incurred by an accident, is there anyway I could be
uninsured? In 5 years I've spent nearly £5k on unnecessary (fortunately) insurance so when I am that rich, it'd be nice to have the pocket
money
When I worked for the busses I was told they didn’t have insurance for them instead the company only had to have an amount set aside to cover any
claims they may have. So I suppose the answer is yes if you were super rich then you wouldn’t need to get an insurance policy. When you think about it
all your really doing normally is getting access to some else’s money they have in the bank because most people can’t afford to pay damages.
[Edited on 27/8/09 by Mr Whippy]
id imagine they had third party cover but carried the vehicle risk themselves. A lot of industry carried compulsory public liability insurance but
carries fire risk for instance themselves.
My Build Thread
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200mph
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| posted on 27/8/09 at 03:10 PM |
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Arnold Clark has crashed his car so many times he'd be uninsurable - last I heard he drove a Lexus SC430, for which there was a front and rear
bumper permenantly stocked for when the inevitable happened.
I imagine he wouldn't have an insurance policy, but he'd be £50k to insure each year if he did!!
If it isn't broke, fix it until it is
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nstrug
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| posted on 27/8/09 at 03:26 PM |
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quote:
Originally posted by cd.thomson
ive only been driving for 5 years but ive never had a cheaper quote for TPFT than FC.
I'm currently sitting on a £500 excess and £600 a year for a £1500 car. Needless to say, I wont be crashing it if I can help it
On a side note. If I were a billionaire, i.e. could prove that I could pay for any and all damages incurred by an accident, is there anyway I could be
uninsured? In 5 years I've spent nearly £5k on unnecessary (fortunately) insurance so when I am that rich, it'd be nice to have the pocket
money
You don't need to be a billionaire, you just post a £15,000 deposit with the Accountant General of the Supreme Court and you can drive without
insurance. This is how 19 year old footballers get to drive SLRs.
See section 144(1) of the Road Traffic Act 1988.
Nick
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nstrug
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| posted on 27/8/09 at 03:28 PM |
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quote:
Originally posted by nstrug
quote:
Originally posted by cd.thomson
ive only been driving for 5 years but ive never had a cheaper quote for TPFT than FC.
I'm currently sitting on a £500 excess and £600 a year for a £1500 car. Needless to say, I wont be crashing it if I can help it
On a side note. If I were a billionaire, i.e. could prove that I could pay for any and all damages incurred by an accident, is there anyway I could be
uninsured? In 5 years I've spent nearly £5k on unnecessary (fortunately) insurance so when I am that rich, it'd be nice to have the pocket
money
You don't need to be a billionaire, you just post a £15,000 deposit with the Accountant General of the Supreme Court and you can drive without
insurance. This is how 19 year old footballers get to drive SLRs.
See section 144(1) of the Road Traffic Act 1988.
Nick
oops, sorry I forgot, this got amended to £500,000 in the RTA 1990.
Nick
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clairetoo
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| posted on 27/8/09 at 04:19 PM |
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quote:
Originally posted by nstrug
quote:
Originally posted by nstrug
quote:
Originally posted by cd.thomson
ive only been driving for 5 years but ive never had a cheaper quote for TPFT than FC.
I'm currently sitting on a £500 excess and £600 a year for a £1500 car. Needless to say, I wont be crashing it if I can help it
On a side note. If I were a billionaire, i.e. could prove that I could pay for any and all damages incurred by an accident, is there anyway I could be
uninsured? In 5 years I've spent nearly £5k on unnecessary (fortunately) insurance so when I am that rich, it'd be nice to have the pocket
money
You don't need to be a billionaire, you just post a £15,000 deposit with the Accountant General of the Supreme Court and you can drive without
insurance. This is how 19 year old footballers get to drive SLRs.
See section 144(1) of the Road Traffic Act 1988.
Nick
oops, sorry I forgot, this got amended to £500,000 in the RTA 1990.
Nick
So.........how do they get road tax without insurance ???
Its cuz I is blond , innit
Claire xx
Will weld for food......
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