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Tintop Insurance. Are they mad?
l0rd - 10/1/10 at 09:10 PM

I need to renew my insurance.

I have a Renault Laguna 1.8 16v Alize.

I was quoted 548 pounds

I quoted a Renault Laguna 1.8 16v Sport as well

I was quoted 517 pounds

Both cars have the same group insurance. The difference is on the equipment with the sport having alloys, spoiler and trip computer.

Now, if i put mine as modified and install the alloys from the Sport version, the insurance will go up to 598 pounds.

Are they taking the p**s????

the next quote was 917 pounds and

R*C want 2608 pounds.

I give up. Not buying any

loggyboy - 10/1/10 at 09:17 PM

Was that on a price comparison site?

Ive hy tintop (and wifes and house) with direct line, theyve been the best by a good 20-25% for the last 4 years.

tomgregory2000 - 10/1/10 at 09:25 PM

im guessing you are 22ish

im 24 running my seat leon cupra 180bhp and paying £346 fully comp

l0rd - 10/1/10 at 09:26 PM

No that was individual quotes

Aviva
admiral
RAC

l0rd - 10/1/10 at 09:27 PM

quote:
Originally posted by tomgregory2000
im guessing you are 22ish

im 24 running my seat leon cupra 180bhp and paying £346 fully comp


I am 30 with 4years NCB but haveing an accident not at fault nearly 2 years ago

Forgot to add that i drive 30K a year

[Edited on 10/1/10 by l0rd]

dlatch - 10/1/10 at 09:34 PM

churchill

T66 - 10/1/10 at 09:34 PM

Interesting numbers to compare, I run a fairly well modified Saab Turbo @300bhp

Insurance via Flux £420 age 43.

I think I need a new Cupra Leon and pretend Im 24


Yes they take the p1ss out of all of us !

l0rd - 10/1/10 at 09:38 PM

quote:
Originally posted by dlatch
churchill


905 pounds

tomgregory2000 - 10/1/10 at 09:45 PM

quote:
Originally posted by T66
Interesting numbers to compare, I run a fairly well modified Saab Turbo @300bhp

Insurance via Flux £420 age 43.

I think I need a new Cupra Leon and pretend Im 24


Yes they take the p1ss out of all of us !


Its not new its a 2001 and limited to 5000miles a year and with direct line

l0rd - 10/1/10 at 09:55 PM

quote:
Originally posted by tomgregory2000
im guessing you are 22ish

im 24 running my seat leon cupra 180bhp and paying £346 fully comp


Did a guote on a Cupra with Admiral

1040pounds

Only 120 quid more than my laguna

austin man - 10/1/10 at 10:00 PM

I tink I need to Lie about my age too Im 43 clean licence 11 years no claims and pay £550 on a 2001 Golf GTI turbo 150bhp

AndyGT - 10/1/10 at 10:17 PM

I pay 48 euros a year for my "classic car": Vauxhall Chevette

l0rd - 10/1/10 at 10:29 PM

I just had a chat with my neighbour who had a Nissan 350Z.

For 9K miles a year was under 400 quid.

No wonder why so many drivers don't buy insurance. It is a fkn joke.

britishtrident - 10/1/10 at 10:39 PM

Try LV or the Post Office

l0rd - 10/1/10 at 10:56 PM

Post office quoted me 3500+ 1 year ago for my 1.8 Clio RSi

Madinventions - 10/1/10 at 11:32 PM

Vectra 1.9CDTi SRi 150Bhp. £190 fully comp with Swiftcover.

Move to the countryside!!!

Ninehigh - 11/1/10 at 12:02 AM

Did you ask them why it was cheaper for the sport version? Cos that's just backward imho...

Problem is they "filter out the undesirables" by sticking a high price on it. My quotes last year ranged from £600 - 5000 (car's worth 3k) so I guess it's a polite way of saying "no"

blakep82 - 11/1/10 at 12:11 AM

didn't read the whole thread, i found elephant really good when i bought a bmw 328 at 23... was about £400 i think at the time

l0rd - 11/1/10 at 12:46 AM

quote:
Originally posted by Ninehigh
Did you ask them why it was cheaper for the sport version? Cos that's just backward imho...



I would like to do that. Why declare a car modified if you just installed the manufacturers alloys? Both cars are under the same group insurance but with different extras. I will give them a ring tomorrow.

What pi**es me off is that.

You pay 200 quid for a car that someone drives for 5-10K miles a year and get a years no claim bonus. The last 3 years i have driven 85K miles, have no points in my license and i have 4 years no claim bonus. Insurance should treat us with respect and reward us accordingly.

Also because someone crashed on my car, i get F***ed for that as well.

Ninehigh - 11/1/10 at 02:15 AM

Ok then you'll like this one, 1 claim 2 sp30's. 29 without any ncb.
£700 for an 05 diesel Mondeo
£1400 for a V BMW 750i with ALL the extras.

Not sure how they work that out do they really think I'm only twice as likely to crash a monster like that?

Oh and wait until you're paying several times more for the insurance than you are for the car, £740 for a £150 car. Should be illegal that.

The best one, again from last year, was direct line. They wanted £1000 for the Mondeo AND a £900 excess, then they asked if I wanted to go ahead with it. When I stopped laughing the guy asked me how I could make it more competitive, and I told him to bring the excess from stupid to reasonable. So he dropped it to £400 (and I told them they can halve it again) but that put another £300 on the quote. Eventually I just said they're having a joke and I should do them for false advertising.

So to answer your original question, yes they are completely barking mad; never mind a screw loose they don't have one fully tightened!

speedyxjs - 11/1/10 at 07:09 AM

Im 23 and thats the same as what i am paying for my group 15 Jag

I always found direct line really expensive. They wanted nearly 3k for my 1.4 civic!

Whatever quote you get online, always phone them up and ask if it is the cheapest price they can do. Its amazing how the numbers significantly drop!

iank - 11/1/10 at 07:52 AM

quote:
Originally posted by Ninehigh
...
Oh and wait until you're paying several times more for the insurance than you are for the car, £740 for a £150 car. Should be illegal that.
...


Insurance in theory pays out who you hit not you, so that's how it can be more than the value of your car - If you hit a Zonda with your Mondeo costs for repairs are going to be a bit more than the value of your car even if you just scuff the epoxy.

speed8 - 11/1/10 at 08:44 AM

You need to shop around.
I currently pay £600andsomething for my 996 turbo with the factory X50 engine upgrade (different map/GT2 intercoolers/etc).
For 450bhp and 457ftlbs I'm fairly happy with that.

Lightning - 11/1/10 at 10:29 AM

Ahh so £220 fully comp including breakdown on the TVR chimaera is not so bad then

cliftyhanger - 11/1/10 at 10:33 AM

quote:
Originally posted by iank
quote:
Originally posted by Ninehigh
...
Oh and wait until you're paying several times more for the insurance than you are for the car, £740 for a £150 car. Should be illegal that.
...




Insurance in theory pays out who you hit not you, so that's how it can be more than the value of your car - If you hit a Zonda with your Mondeo costs for repairs are going to be a bit more than the value of your car even if you just scuff the epoxy.


And thats peanuts compared to the costs when people get hurt

James - 11/1/10 at 10:35 AM

Presumably you're tried the price comparison websites?

I saved a fortune by doing them. I think my insurance dropped by over 60%!

Cheers,
James

Steve G - 11/1/10 at 10:51 AM

As per James above, try www.moneysupermarket.com - they've given me the cheapest quote every time i've tried that particular comparrison site - even compared to others such as comparethemarket.com.

Currently paying £208 fully comp with Esure via MoneySupermarket

mad4x4 - 11/1/10 at 12:23 PM

Watch Elephant - My renewal came in at £325 for a 1.2 Suzuki Jimny with 1 NCB (age 35)

Did the online new business quote from them and got £215

So phoned renewals and gave them the NEW quote number and they price matched themsevles.

Danozeman - 11/1/10 at 04:39 PM

Thats daft Im 27 with 5 years ncb 6 points for speeding and im paying 390 fully comp for my 525 tds which is group 15 with swift cover and that wsnt the cheapest.

My apprentice at work is paying i think 2k with 750 quid excess for a 2 litre focus at 19. Thats just daft!!

[Edited on 11/1/10 by Danozeman]

marcjagman - 11/1/10 at 06:06 PM

Got a quote for my 21 yr old son in Locost, 1300 x-flow, 8k miles £524 comp, thought that was bloody marvelous. Fresh driver so no NCB.

Ninehigh - 11/1/10 at 07:27 PM

quote:
Originally posted by James
Presumably you're tried the price comparison websites?

I saved a fortune by doing them. I think my insurance dropped by over 60%!

Cheers,
James


That was the price comparison websites. Mind you there is one thing everyone says to make it cheaper. Voluntary excess, and I have none. I know I could probably halve my quote on the basis that if I do prang my car I'll have to pay out a further £300 on top of what they ask for. Nearly ruined me last time though when the garage demanded £475!