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+--- Thread: Insurance ra*e (/showthread.php?tid=27232)
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Insurance ra*e - Nathan1305 - 16-10-2014
Will be moving Saturday 2 roads down from where I am and my insurance will go from £285 to £340 per month!! f*cking ridiculous
RE: Insurance ra*e - Jimmy306uk - 16-10-2014
Don't tell them?
RE: Insurance ra*e - Nathan1305 - 16-10-2014
(16-10-2014, 04:02 PM)Jimmy306uk Wrote: Don't tell them?
Yeah I'll say I'm not moving now haha
RE: Insurance ra*e - welshpug - 16-10-2014
is that all? quite cheap that.
RE: Insurance ra*e - Midnightclub - 16-10-2014
Recently had this with the mrs.. she was charged £70 extra for moving (from a band B area to another band B area), where as I was charged nothing. Swear they make up there own rules as they go along.
RE: Insurance ra*e - powerandtorque - 16-10-2014
Are you moving from one postcode insurance group to another? Some of the Bristol codes aren't great!
If you do a search on Google you'll find the insurance groups for various postcodes - go from A to F, A being lowest risk and F being highest (well, there's also "refer" which is akin to Beirut in the 80's)
The Bristol ones are as follows:
BS Bristol
1, 3, 5, 11 . . . . . . . . . . . . . . . . E *
2 . . . . . . . . . . . . . . . . . . . . . Refer
4, 6-7, 10 . . . . . . . . . . . . . . . . . D *
8-9, 13-16, 23, 30, 32, 34-35 . . . . . C
20, 22, 24-25, 29, 31, 39, 40-41 . . . .B
21, 26-28, 36-37, 48-49 . . . . . . . . A
RE: Insurance ra*e - Nathan1305 - 16-10-2014
(16-10-2014, 04:06 PM)powerandtorque Wrote: Are you moving from one postcode insurance group to another? Some of the Bristol codes aren't great!
If you do a search on Google you'll find the insurance groups for various postcodes - go from A to F, A being lowest risk and F being highest (well, there's also "refer" which is akin to Beirut in the 80's)
The Bristol ones are as follows:
BS Bristol
1, 3, 5, 11 . . . . . . . . . . . . . . . . E *
2 . . . . . . . . . . . . . . . . . . . . . Refer
4, 6-7, 10 . . . . . . . . . . . . . . . . . D *
8-9, 13-16, 23, 30, 32, 34-35 . . . . . C
20, 22, 24-25, 29, 31, 39, 40-41 . . . .B
21, 26-28, 36-37, 48-49 . . . . . . . . A
Nope still BS10 literally 2 roads away
RE: Insurance ra*e - Midnightclub - 16-10-2014
Are you with the admiral/elephant etc.. group nathan?
RE: Insurance ra*e - Nathan1305 - 16-10-2014
(16-10-2014, 04:08 PM)Midnightclub Wrote: Are you with the admiral/elephant etc.. group nathan?
Yeah I am mate
RE: Insurance ra*e - Midnightclub - 16-10-2014
Yeah that explains it then, we had the same situation.. asked how they could justify the increase when the insurance band is identical "Oh well our statistics show it's a higher risk area"
My response "Then shouldn't the insurance band be higher?". I'm with flux and had no increase at all, not even an admin fee moving from the same house to the same new house as her.
RE: Insurance ra*e - Nathan1305 - 16-10-2014
(16-10-2014, 04:16 PM)Midnightclub Wrote: Yeah that explains it then, we had the same situation.. asked how they could justify the increase when the insurance band is identical "Oh well our statistics show it's a higher risk area"
My response "Then shouldn't the insurance band be higher?". I'm with flux and had no increase at all, not even an admin fee moving from the same house to the same new house as her.
May give flux a call
RE: Insurance ra*e - Midnightclub - 16-10-2014
They've been nothing but helpful every time I've had to deal with them, modification wise especially. Called them up to update some mods: wheels, suspension etc.. "How much will that be then?" "Oh, no charge sir" Fantastic.
RE: Insurance ra*e - Piggy - 16-10-2014
When we moved here (no crime since 1959) the mrs insurance went up and mine went down!!! (both gave the reason that the area was in a different crime zone!
Is that a month though...flip...I pay that a year almost!
RE: Insurance ra*e - powerandtorque - 16-10-2014
Do a couple of online quotes, one for the current address and one for the new one, ideally with a couple of different insurers - you'll soon see what's what and whether there genuinely is something higher risk with the new postcode.
Some insurers seem to take the Michael when you do a mid-term change - I always liked going from car A, to car B, and back to car A again and apparently the premium going up each time...
RE: Insurance ra*e - Dum-Dum - 16-10-2014
Is it a straight move or are you changing status between homeowner, renting and with parents? ALso are you changing between on road or one of the many different types of off road parking? Are you changing between house and flat also?
Loads of stuff like that can make the difference.
RE: Insurance ra*e - Nathan1305 - 16-10-2014
(16-10-2014, 04:34 PM)Dum-Dum Wrote: Is it a straight move or are you changing status between homeowner, renting and with parents? ALso are you changing between on road or one of the many different types of off road parking? Are you changing between house and flat also?
Loads of stuff like that can make the difference.
Just a straight move to a house from a house and parking will be the same
Just rang flux and it will be £293 a month for 9 months in the new address with mods declared apposed today £340 a month for 11 months with only suspension declared with admiral, think flux wins haha
RE: Insurance ra*e - Dum-Dum - 16-10-2014
Flux it is then
RE: Insurance ra*e - Piggy - 16-10-2014
Give brentacre a buzz too, and tell them what flux have quoted.
I bet they will beat it
RE: Insurance ra*e - 1616six - 16-10-2014
(16-10-2014, 04:37 PM)Nathan1305 Wrote:(16-10-2014, 04:34 PM)Dum-Dum Wrote: Is it a straight move or are you changing status between homeowner, renting and with parents? ALso are you changing between on road or one of the many different types of off road parking? Are you changing between house and flat also?
Loads of stuff like that can make the difference.
Just a straight move to a house from a house and parking will be the same
Just rang flux and it will be £293 a month for 9 months in the new address with mods declared apposed today £340 a month for 11 months with only suspension declared with admiral, think flux wins haha
Give me a PM Nathan, il see if I can do anything to better the quote you've just got.
RE: Insurance ra*e - Jimmy306uk - 16-10-2014
Being young sucks haha, mines 211 a month for the slownad!
RE: Insurance ra*e - toseland - 16-10-2014
holy shite..
i pay less than that total for BOTH CARs a year..
RE: Insurance ra*e - Nathan1305 - 16-10-2014
(16-10-2014, 05:05 PM)Piggy Wrote: Give brentacre a buzz too, and tell them what flux have quoted.
I bet they will beat it
Think you have to be 21 for them to insure you
RE: Insurance ra*e - impotentials - 16-10-2014
Dont forget to get your parents on as named drivers, usually saves quite a lot of money.
flux are definitely top draw, but that is a lot of money for insurance.
RE: Insurance ra*e - eskimogod - 16-10-2014
wow how old are you guys? that seems insurance ra*e before the move..
RE: Insurance ra*e - bashbarnard - 16-10-2014
Insurance is daft for young drivers. I know a 17 year old in my area has an old 1.8 sierra and its 1200 to insure. Where as his 1.0 polo was 2500 I think.
RE: Insurance ra*e - Jimmy306uk - 16-10-2014
I'm 19 with my grandad and my girlfriend (on provisional licsence which knocked it down a lot), deposit was 580 but that was for an l reg 106 1.4 diesel haha
RE: Insurance ra*e - Dum-Dum - 16-10-2014
(16-10-2014, 06:46 PM)impotentials Wrote: Dont forget to get your parents on as named drivers, usually saves quite a lot of money.
flux are definitely top draw, but that is a lot of money for insurance.
Not necessarily especially on a modded car policy with a specialist broker. Even when I still lived at home with my parents they pretty much refused to add my mum (good job clean licence) and it would of added about £100 to add my dad (better job, 3 points)
RE: Insurance ra*e - Nathan1305 - 16-10-2014
Yeah adding my dad didn't budge it just going to go with flux, that way I can add mods and be with a good company
and im 19 by the way guys
RE: Insurance ra*e - Paul_13 - 17-10-2014
A lot of companies refuse to do it as they've wised up to it.
Flux refuse to keep my mum on my policy come renewal even though she had been on there for 2 years previous
RE: Insurance ra*e - DarkInferno - 17-10-2014
I know adding me to my dad's policy lowered his insurance by £20.
I got messed about royally with insurance this year, They sent the 'your stupid if you pay this almost double your normal yearly' renewal, so I phoned up and got a sensible price.
Checked my bank the other day and they had taken both sets of cash... basically 3 years insurance in one clump.. I was 22p away from going into the red. Phoned them up, "oh, sorry about that, it's our mistake the money will be back in your account within 10 days"
Luckily got paid the day after, it took them another day before it was back (plus a bit of interest).
One of my best friends had them automatically renew on his bike, that had been stolen, and they had paid out on.