What's happening with insurance policies ?? Just got my renewal today for 3.0 Z3 , 2000 reg, 35 yrs old, 13 years NCB and 5000 miles a year. It's gone up from £600 to £1,200 in 12 months with an extra years NCB and no other changes
Rang up privilege who offered me a massive £100 off to keep my custom at which point i told them to get lost. They then went on to say that the maximum NCB they would issue is 9 years as that's all the computer will let them do After much arguing they've agreed to send me a letter with 13 years NCB but insist it's irrelevent as most companies max out at 9 years anybody heard of this before ???
Anyway I've ended up with the cheapest policy at £600 with swiftcover using the compare sites, can anybody else recommend any others ??
I'm just starting the great insurance hunt again as mine is due on the 17th.
My renewal quote for a 49 year old with a 2.8 with 6000 miles a year living in Macclesfiled with 13 years NCB was £472.
A quick 30 minute search this afternoon has got it down to £248 an initial saving of £224!
License to print money. And to be honest, you are covered for very little, and your premium will go up if you have an accident regardless of how's fault it is.
I used Sky Insurance with the GTO, but changed to More Than as they were cheaper. Sky are still worth it as they deal with sports cars, like Adrian Flux.
My insurance is due on Nov. 1st so will be keeping an eye on this thread, although I do realise as Z3cade says your job, age, ncb, postcode does effect the price you pay.
I am currently with L.V. and have not had my renewal notice yet, the AA have quoted me £330.
If you haven't already, get a quote with your wife as named driver (assuming you have one......) - ours was cheaper with my wife as main driver (car is in her name BTW so no worries there) and even my van insurance (for courier use) was cheaper with her named on the policy even though she'll never drive it
You gotta play the system as long as you stay within the rules.....
I just had mine for £350 from Footman and James I have no no claims as it's a second car and 3 points for a mobile phone offence So if you car is over 10 years old, they have a new policy for that as i had many other quotes up to £956 from BMW insurance?? what a joke !!
I'm looking at compare the meerkat and although their quotes are a couple of quid higher than moneysupermarket I will get two cuddly toy meerkats as the Mazda needs renewing also.
My plan is to go with them and sell the meerkats on Fleabay where they are fetching around £30 each so this times two will reduce my costs.
Z3cade wrote:But dont put your misses on if she has any points...
was quoted £900 with her on it!! she has a heavy foot...
but yes if your partner is clean it should go down..
When my wife paid her 2nd donation and got another 3 points I was fearful when I rang Admiral when the renewal was due. Luckily they treated it very well and it made no real difference to the premium. However as she is the main driver for the Z4 we now have following excesses on the Z4:
His: £250. ' Hers: £1,500
We didn't have a choice over the £1,500 but (hopefully) better than 5 years of higher premiums.
I work in the insurance broking industry and all insurers are barstewards !!
I absolutely loath and hate them !!
If I could give any of you one piece of advice then it would be to tell any prospective insurer or broker about any modifications that you or any previous owner has made to the car.
It does not matter how big or how small the modification is but you must declare it too them.
If you do not and a claim arises an engineer will be appointed to take a look at your car and if he finds the slightest thing that is not 'standard' your claim will not be honoured and the policy will be cancelled abinitio !
I have seen this happen on many occasions - be warned !
well just got my quote from adrianflux £1,074 not be taking that one out then.
just for clarity does anyone know if you can get away with putting the missus down as common law if we aren't married but have lived together for ages ?? looks like it will bring my policy down by 30% or so. but the definition is so vague
paulb1976 wrote:well just got my quote from adrianflux £1,074 not be taking that one out then.
just for clarity does anyone know if you can get away with putting the missus down as common law if we aren't married but have lived together for ages ?? looks like it will bring my policy down by 30% or so. but the definition is so vague
According to Confused.com 'common law' is a recognized status.
By the way Aviva are now doing Multi-car policies.Son No.1 has saved nearly £200 on his Caravelle.
2000 Topaz 2.8 Individual.
Youth would be more useful if it came later in life!
freds dad wrote:I'm looking at compare the meerkat and although their quotes are a couple of quid higher than moneysupermarket I will get two cuddly toy meerkats as the Mazda needs renewing also.
My plan is to go with them and sell the meerkats on Fleabay where they are fetching around £30 each so this times two will reduce my costs.
Simples
I took my policy out with comparethemarket .com in the first week of August. Just looked on the website to claim the toy and I'm about a week too late...thought the toy was sent you automatically when you took out the policy!
Could do with the £30 as well as my missus has just told me that she might be losing her job!
Does this mean that it will be insure the Stuffed Meerkat now, probably find that they will become a rare collectors item with people fighting over them.
Just got mine, fully comp for 227 pounds via compare the small furry animal type things with Hastings direct. To get a small toy you have to make a claim on the website. Mine arrives shortly.
bajahammer wrote:I work in the insurance broking industry and all insurers are barstewards !!
I absolutely loath and hate them !!
If I could give any of you one piece of advice then it would be to tell any prospective insurer or broker about any modifications that you or any previous owner has made to the car.
It does not matter how big or how small the modification is but you must declare it too them.
If you do not and a claim arises an engineer will be appointed to take a look at your car and if he finds the slightest thing that is not 'standard' your claim will not be honoured and the policy will be cancelled abinitio !
I have seen this happen on many occasions - be warned !
hence why i went with adrian flux as there good with modded cars declared non standard wheels and lowering springs..
Does make you think what should be declared tho... Say if you changed your steering wheel or gearknob etc? even if you upgrade your brake pads ive heard you should declare it..
But things like remapping id think you could get away without declaring as you cant 'see' it on the car..
After much arguing they've agreed to send me a letter with 13 years NCB but insist it's irrelevent as most companies max out at 9 years anybody heard of this before ???
I have no no claims as it's a second car and 3 points for a mobile phone offence 
' Hers: £1,500 
probably find that they will become a rare collectors item with people fighting over them.
