Mr G
|
| posted on 20/5/11 at 11:13 PM |
|
|
Tesco car insurance - New underwriters
Just recieved the renewal on the tintop. Modified Sierra XR4i with bodykit, uprated suspension, uprated brakes, uprated exhaust basically everything
declared - TPF&T
Been with tescos (modified) for 8 years on this vehicle with nothing changing over those years, 15+ years NCB, 2000 miles a year and I'm 39.
Stayed around the £220 per year mark for ages which included the interest for monthly payments creeping upto £280 last year.
This year - £1100... Apparently down to their new underwriters.
I think you can imagine my response.
G
Normal is getting dressed in clothes that you buy for work and driving through traffic in a
car that you are still paying for - in order to get to the job you need to pay for the clothes
and the car, and the house you leave vacant all day so you can afford to live in it.
|
|
|
|
|
Dan.
|
| posted on 20/5/11 at 11:35 PM |
|
|
you said "sure can i add my 17 year old son onto the policy too?"
|
|
|
Mr G
|
| posted on 20/5/11 at 11:40 PM |
|
|
Normal is getting dressed in clothes that you buy for work and driving through traffic in a
car that you are still paying for - in order to get to the job you need to pay for the clothes
and the car, and the house you leave vacant all day so you can afford to live in it.
|
|
|
eznfrank
|
| posted on 21/5/11 at 06:14 AM |
|
|
Try one of the brands that are with the old underwriter - churchill, direct line, privilege etc
|
|
|
matt_gsxr
|
| posted on 21/5/11 at 08:38 AM |
|
|
sadly this isn't an uncommon picture.
The "friendly" supermarkets (Sainsbury, Tesco and M&S) all start with very attractive offerings in the financial segments. This works
with their helping/caring/honesty image and they gain decent market shares.
Unfortunately a few years down the line they realise that its easier making money in the financial services industry than it is in shipping
carrots/milk/pants and sub out your business to the normal 'greed is good' crowd.
We've had it with M&S for insurance, and Sainsbury for credit card services. I thought that Tescos were better than this, but apparently
not.
|
|
|
stevegough
|
| posted on 21/5/11 at 09:12 AM |
|
|
Even my SAGA ( wrinklies insurer ) has gone up quite a step this year - it was £144 last year, now £210 (and its only a Daihatsu puddle-jumper).
But, its not quite your 400% jump.
Luego Locost C20XE.
Build start: October 6th 2008.
IVA passed Jan 28th 2011.
First drive Feb 10th 2011.
First show: Stoneleigh 1st/2nd May 2011.
'Used up' first engine may 3rd 2011!
Back on the road with 2nd engine may 24th
First PASA mad drive 26/7/11
Sold to Mike in Methyr Tydvil 19/03/14
|
|
|
Pezza
|
| posted on 21/5/11 at 09:40 AM |
|
|
Try Heritage insurance
They dropped my renewel to £115 fully comp, 3k miles on my heavily modified Opel Manta.
You couldn't pwn your way out of a wet paper bag, with "PWN ME!!" written on it, from the "pwned take-away" which originally contained one
portion of chicken tikka pwnsala and the obligatory free pwnpadom.
|
|
|
mrwibble
|
| posted on 21/5/11 at 09:43 AM |
|
|
i've always done well with adrian flux. but i always ring round a lot and usually go back twice to flux twice, as their price matching policy
can be manipulated.
|
|
|
Mr G
|
| posted on 21/5/11 at 05:37 PM |
|
|
Thanks for the info/alternatives gents
Normal is getting dressed in clothes that you buy for work and driving through traffic in a
car that you are still paying for - in order to get to the job you need to pay for the clothes
and the car, and the house you leave vacant all day so you can afford to live in it.
|
|
|
britishtrident
|
| posted on 22/5/11 at 07:37 AM |
|
|
going TPF&T can actually increase the premium as it is these days it is seen as a marker of a bad risk.
|
|
|
Mr G
|
| posted on 22/5/11 at 11:31 AM |
|
|
I asked for both fully comp & TPF&T quotes at the time but after she stated that the modifications will add 75% loading and gave me the
TPF&T figure first I don't think she had the nerve to give me the fully comp!
Normal is getting dressed in clothes that you buy for work and driving through traffic in a
car that you are still paying for - in order to get to the job you need to pay for the clothes
and the car, and the house you leave vacant all day so you can afford to live in it.
|
|
|
Mr G
|
| posted on 3/6/11 at 10:59 AM |
|
|
Silly me, the renewal wasn't £1100 - it was £1430!!
Tried flux and heritage but they are expecting the vehicle to be a second car on a classic policy so they can't use the 15 years ncb.
I'm getting figures of £420 - £550 so far 
As a side note, how long do you normally get between policys before you lose your no claim discount? Tesco mentioned 2 years for them but
couldn't confirm that was standard across the industry :/
G
Normal is getting dressed in clothes that you buy for work and driving through traffic in a
car that you are still paying for - in order to get to the job you need to pay for the clothes
and the car, and the house you leave vacant all day so you can afford to live in it.
|
|
|
stevegough
|
| posted on 3/6/11 at 11:33 AM |
|
|
quote:
Originally posted by Mr G
Silly me, the renewal wasn't £1100 - it was £1430!!
Tried flux and heritage but they are expecting the vehicle to be a second car on a classic policy so they can't use the 15 years ncb.
I'm getting figures of £420 - £550 so far
As a side note, how long do you normally get between policys before you lose your no claim discount? Tesco mentioned 2 years for them but
couldn't confirm that was standard across the industry :/
G
I've heard 2 years and 3 years quoted for this in the past.
Luego Locost C20XE.
Build start: October 6th 2008.
IVA passed Jan 28th 2011.
First drive Feb 10th 2011.
First show: Stoneleigh 1st/2nd May 2011.
'Used up' first engine may 3rd 2011!
Back on the road with 2nd engine may 24th
First PASA mad drive 26/7/11
Sold to Mike in Methyr Tydvil 19/03/14
|
|
|
40inches
|
| posted on 3/6/11 at 11:39 AM |
|
|
Have you done a price comparison with Tesco? I was with Tesco and renewal had gone up 100%, did the comparison on Tesco website
and Swift came out 20% cheaper than LAST years Tesco premium, for better cover 
|
|
|
Mr G
|
| posted on 3/6/11 at 12:36 PM |
|
|
Does the comparison site allow for modified vehicles?
EDIT: Just gone in via performance direct and its looking better at £265 fully comp - Although I need to ring them yet which has been the downfall of
all these quotes so far as they then pull another figure out the bag, usually 4 times as much
Cheers
G
[Edited on 3/6/11 by Mr G]
Normal is getting dressed in clothes that you buy for work and driving through traffic in a
car that you are still paying for - in order to get to the job you need to pay for the clothes
and the car, and the house you leave vacant all day so you can afford to live in it.
|
|
|
mrwibble
|
| posted on 3/6/11 at 02:08 PM |
|
|
sure term and green flag also insure modified vehicles, always worth asking if they'll price beat. adrian flux has always / beaten competitors
quotes like for like in the past for me, (it has always been their policy so unless that has changed recently, i would ring around and ring them back)
although my quotes have always been 20-40£ better and not 100% of the premium so i don[t know if they'd make it awkward asking for written
quotes, they never have to me in the past.
[Edited on 3/6/11 by mrwibble]
[Edited on 3/6/11 by mrwibble]
|
|
|
