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Insurance Renewal - ginge191 - 18-04-2012
So it's that time of year again - just come through the post, and my insurance company is wanting to put my insurance up from last year
Can anyone recommend any decent car insurers away from the GOCOMPARE companies?
Any tips on getting insurance quotes?
I'm 22, 3 NCB, only driver, -6k miles a year... surely my premium shouldn't be this much - they're wanting £763.87
Please don't post telling me that your insurance is considerably lower than mine
nooty:
Re: Insurance Renewal - Dan! - 18-04-2012
Have you tried adding your mum/aunty onto the policy aswel? Iv had my mum and hannahs mum on my policies for the last 2 years, they nearly half my premium! Worth a shot because as 'named' drivers its completely legal, just make sure you are still the main driver. Bit off topic but should help!
As for companies, NOT admiral/bell/elephant, unless you can't help it
They always seem cheapest for me but as a company they are awful. Try going through a local broker or calling some of the modified/young driver companies like Adrian flux, Chriss knott, Brentacre etc
Re: Insurance Renewal - Eeyore - 18-04-2012
My insurance is considerably higher than yours! 2YNCB, 3 points 1.8 £1200
Only thing i can say is the comparison sites take a cut of the cost so go on them find the cheapest... and then go direct and youll probably get it cheaper!
Re: Insurance Renewal - Toms306 - 18-04-2012
I'm gonna try brentacre for mine (next month) as I'm fed up with admiral..............but admiral/elephant/bell always seem to be cheapest (without mods...).
Mine was a grand for this year after adding mods btw.......
Re: Insurance Renewal - Niall - 18-04-2012
Must say I'm with admiral and there not the cheapest in the world but have been so helpful for me with my recent claim. There also very reasonable for adding mods (think I payed £25 quid extra for the year for my manifold and induction kit)
They will also insure mods now so if you crash and ruin your front shocks for example, they will replace like for like instead of for standard like some companies!
Re: Insurance Renewal - ginge191 - 18-04-2012
hm ok, yeh currently with admiral - but in all honesty, if anyone has ever knocked my car, its never been worth the insurance.
Re: Insurance Renewal - ginge191 - 18-04-2012
FFS tesco compare found me on insurer from £1,500!?!?!?
Re: Insurance Renewal - 1616six - 18-04-2012
PM on route..
Re: Insurance Renewal - ginge191 - 18-04-2012
Replied = what a leg-end
Re: Insurance Renewal - Toms306 - 18-04-2012
Niall Wrote:Must say I'm with admiral and there not the cheapest in the world but have been so helpful for me with my recent claim. There also very reasonable for adding mods (think I payed £25 quid extra for the year for my manifold and induction kit)
They will also insure mods now so if you crash and ruin your front shocks for example, they will replace like for like instead of for standard like some companies!
I find their call centres bloody awful...and they only allow you certain number of mods.....not enough for me!
They're ok for upto 4 mods I think...my remap only cost £15 to add I think.
Jordan.....I keep meaning to ask you, do you have like a direct phone number in Flux? As my car probably classes as modified now
and my last flux online quote was ridiculous....
Re: Insurance Renewal - ginge191 - 18-04-2012
Massive thanks to Jordan, JJ0063 - sorted out all mods declared! top guy!
Re: Insurance Renewal - Dan! - 18-04-2012
Why cant he do that for me!
Re: Insurance Renewal - TheGateKeeper - 18-04-2012
ginge191 Wrote:Massive thanks to Jordan, JJ0063 - sorted out all mods declared! top guy!
and the price was...?
Re: Insurance Renewal - Connor - 18-04-2012
Why can't he do it for all of us...
Re: Insurance Renewal - Dan! - 18-04-2012
Because he doesnt like all of you, he likes me, were friends.
Re: Insurance Renewal - Toms306 - 18-04-2012
Dan! Wrote:he likes me, were friends.
Clearly he only likes ginge.......must be something to do with hair colour...? :think:
Re: Insurance Renewal - Niall - 18-04-2012
Toms306 Wrote:Niall Wrote:Must say I'm with admiral and there not the cheapest in the world but have been so helpful for me with my recent claim. There also very reasonable for adding mods (think I payed £25 quid extra for the year for my manifold and induction kit)
They will also insure mods now so if you crash and ruin your front shocks for example, they will replace like for like instead of for standard like some companies!
I find their call centres bloody awful...and they only allow you certain number of mods.....not enough for me!
They're ok for upto 4 mods I think...my remap only cost £15 to add I think.
Jordan.....I keep meaning to ask you, do you have like a direct phone number in Flux? As my car probably classes as modified now
Funny that. I've got 6 mods on mine.....
Re: Insurance Renewal - Toms306 - 18-04-2012
Niall Wrote:Toms306 Wrote:I find their call centres bloody awful...and they only allow you certain number of mods.....not enough for me!
They're ok for upto 4 mods I think...my remap only cost £15 to add I think.
Jordan.....I keep meaning to ask you, do you have like a direct phone number in Flux? As my car probably classes as modified now
Funny that. I've got 6 mods on mine.....
But you can't add 6 on a new policy, you must have started with 4 or less??
Re: Insurance Renewal - Niall - 18-04-2012
No I started with 2 but thats stupid. Why would they let you open a policy with 4 then phone straight back and add more?
If your basing this on how many you can add online, don't. The guy there told me you can have more than the online form lets you.
Re: Insurance Renewal - ginge191 - 18-04-2012
TheGateKeeper Wrote:ginge191 Wrote:Massive thanks to Jordan, JJ0063 - sorted out all mods declared! top guy!
and the price was...?
all mods declared it was only £10 cheaper a year than on my previous policy, but when i started my previous policy, i had no mods on there - so im happy all round.
European cover also for when i go abroad, and all additional mods covered for future reference no charge
Re: Insurance Renewal - 4WayDiablo - 18-04-2012
Toms306 Wrote:I'm gonna try brentacre for mine (next month) as I'm fed up with admiral..............but admiral/elephant/bell always seem to be cheapest (without mods...).I've just renewed with brentacre and they're bloody good.
Mine was a grand for this year after adding mods btw.......
Oh and ANY mods are completely free to add to the policy not even an admin charge
Its only performance mods theyll charge for and I so far have a 150 bhp limit
Same as you I'm 22 with 3 yr NCB but I have 9 points. Was about 830 ish iirc with all mods declared
Re: Insurance Renewal - Niall - 18-04-2012
4WayDiablo Wrote:Toms306 Wrote:I'm gonna try brentacre for mine (next month) as I'm fed up with admiral..............but admiral/elephant/bell always seem to be cheapest (without mods...).I've just renewed with brentacre and they're bloody good.
Mine was a grand for this year after adding mods btw.......
Oh and ANY mods are completely free to add to the policy not even an admin charge
Its only performance mods theyll charge for and I so far have a 150 bhp limit
Same as you I'm 22 with 3 yr NCB but I have 9 points. Was about 830 ish iirc with all mods declared
So not every mod is free then? You lie! What the hell did you do for 9 points?
Re: Insurance Renewal - ginge191 - 18-04-2012
4WayDiablo Wrote:Same as you I'm 22 with 3 yr NCB but I have 9 points. Was about 830 ish iirc with all mods declared
Fair price with 9 points there
Re: Insurance Renewal - Toms306 - 18-04-2012
Niall Wrote:No I started with 2 but thats stupid. Why would they let you open a policy with 4 then phone straight back and add more?
If your basing this on how many you can add online, don't. The guy there told me you can have more than the online form lets you.
WTF is the point of that?? I know what mods I want from the boxes (even if they do need a longer list...) so why would I want to phone some foregner who can't understand me to add mods!? :? I almsot had 'suspension lowered' added instead of remap as they don't understand what a remap is.......I had to call it a chip in the end...which it isn't.
Re: Insurance Renewal - Niall - 18-04-2012
Toms306 Wrote:Niall Wrote:No I started with 2 but thats stupid. Why would they let you open a policy with 4 then phone straight back and add more?
If your basing this on how many you can add online, don't. The guy there told me you can have more than the online form lets you.
WTF is the point of that?? I know what mods I want from the boxes (even if they do need a longer list...) so why would I want to phone some foregner who can't understand me to add mods!? :? I almsot had 'suspension lowered' added instead of remap as they don't understand what a remap is.......I had to call it a chip in the end...which it isn't.
Careful with that. Ask them to add a note to your account stating its a remap. I had to do this with my manifold as they don't have a category for inlet manifold so they out it down under induction kit and added a note.
We all know insurerers will use any excuse to get out of paying!
Re: Insurance Renewal - ginge191 - 18-04-2012
Niall Wrote:Careful with that. Ask them to add a note to your account stating its a remap. I had to do this with my manifold as they don't have a category for inlet manifold so they out it down under induction kit and added a note.
We all know insurerers will use any excuse to get out of paying!
This.
Make sure you specify, even if it is as a note!
Re: Insurance Renewal - 4WayDiablo - 18-04-2012
Niall Wrote:4WayDiablo Wrote:I've just renewed with brentacre and they're bloody good.
Oh and ANY mods are completely free to add to the policy not even an admin charge
Its only performance mods theyll charge for and I so far have a 150 bhp limit
Same as you I'm 22 with 3 yr NCB but I have 9 points. Was about 830 ish iirc with all mods declared
So not every mod is free then? You lie! What the hell did you do for 9 points?
Worded that badly haha all visual mods are free
Anything that doesn't effect performance
They also classify exhaust and air filter as non performance enhancing
Re: Insurance Renewal - Toms306 - 18-04-2012
Niall Wrote:Toms306 Wrote:WTF is the point of that?? I know what mods I want from the boxes (even if they do need a longer list...) so why would I want to phone some foregner who can't understand me to add mods!? :? I almsot had 'suspension lowered' added instead of remap as they don't understand what a remap is.......I had to call it a chip in the end...which it isn't.
Careful with that. Ask them to add a note to your account stating its a remap. I had to do this with my manifold as they don't have a category for inlet manifold so they out it down under induction kit and added a note.
We all know insurerers will use any excuse to get out of paying!
I would've thought a remap was a much more common mod than a chip anyway?? I barely ever hear of people 'chipping' cars any more lol.
But I will ask them to add a note when I phone them up next....about 'exhaust changes' which they don't seem to have a box for......what kind of weird people do they take their common mods from!?
4WayDiablo Wrote:I've just renewed with brentacre and they're bloody good.
Oh and ANY mods are completely free to add to the policy not even an admin charge
Its only performance mods theyll charge for and I so far have a 150 bhp limit
Same as you I'm 22 with 3 yr NCB but I have 9 points. Was about 830 ish iirc with all mods declared
Yes this is why I want to go with them...200bhp limit (I hope....I assume you chose the limit yourself?) and anything else like lowering etc is free!! The way I've understood is even power mods are free as long as they don't go over your cap, 150bhp in your case?
And £830 isn't bad with those points lol.............I'll be 20 with 3yrs ncb (assuming i don't crash in the next few weeks) but no points so will be interesting to see thier price for me.....just a bit annoying they don't have an online quote thing tbh.
Edit - oh I was right now Ive seen reworded one lol
Re: Insurance Renewal - procta - 18-04-2012
brentacre for some reason has bumped my renewal up well over 100 quid! making it 580 quid for the rover tpft with 3k mileage! i belled flux and they worked it over for 460 quid which is cheeper than it was last year. they even said that the renewal quote brentacre gave me was silly for what the car is worth and the mileage the car does too.
Re: Insurance Renewal - thms182 - 18-04-2012
Anyone see this on Watchdog the this week/last week?
http://www.bbc.co.uk/blogs/watchdog/2012/04/car_insurance.html
Basically if you phone your current insurer posing as a new customer you'll probably get a cheaper price than the quoted you for your renewal.