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my insuance quote !

Discussion in 'General chit chat' started by 12BoreMax=P, Nov 1, 2008.

  1. 12BoreMax=P

    12BoreMax=P Posting Addict

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    am in the middle of learning to drive and was on the net the other day looking at some quotes and was SHOKED TO THE CORE at the prices

    i got a quote on a pug 106 1.2 the car at its best was £500 off auotrader my cheapest quote so far was £2500 :eek::eek:

    could not belive it!!!!!!!!!

    how do they expect me to afford that !!!! :eek::eek:
     
  2. Comp

    Comp Engaging Member

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    ...... not funny, is it????

    I would hate to add up all the premiums I have paid over the last thirty years,.... Still not had a claim that was my fault,.. still on max NCB,... and still cry every time the renewal comes,... (I have a company vehicle, a private vehicle, and a 1200cc motorbike,.... )

    Sure if I ever loose my No Claims Bonus,.. wont be able to afford to start up again,...... :D:D

    Welcome to the grown up world.....:up:
     
  3. 12BoreMax=P

    12BoreMax=P Posting Addict

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    its a sickener like !!!

    am gona do my advanced drivers to , its supposte to bring your quote down a bit :)
     
  4. MOO

    MOO Keyboard Hero

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    Have a word with Cog, he's not long insured his first car, he had similar problems I think. The internet comparisons are good, I have always found confused.com excellent
     
  5. mark

    mark Well-Known Member

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    insurance also goes on your job as if u say your unempolyed they think your gonna simple just drive car round all day making u a bigger risk say than a factory shift worker whos cars parked in a secure place both at work and at home also if u cut down ur average miles i always say 3000miles mmm yeah did that last month they dont check try a few diffrent job titles you'd be surpized how much it changes it anything to do with motor trader is a no no and also debt collection is a no ive worked in both trades
    try things like factor worker and sercuirty after all if ur sercuirty ur cars were u are and obvs looking after it

    p.s also try puting a older driver pref female as a named driver saved me 300 notes when i started

    hope ive helped
     
  6. 12BoreMax=P

    12BoreMax=P Posting Addict

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    yeahh cheers for ya advice mate al give it a go an see what happens :D


    cofused.com is were ive bin getting most of my quotes but ive found that churchill are cheaper for some quotes :up:
     
  7. EX Mod Cog

    EX Mod Cog Keyboard Hero

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    Car insurance is a complete con, you pay through premiums anyway if you use it so you might aswell pay cash in the first place :eek:

    I've got a Citroen ZX, 1.9 diesel, this is £1800 a year without Pass Plus. When I round to doing PP I'll probably save a few quid but it's still a rip off if you ask me!

    Quinn Direct are good if you're on a provisional, but their prices go right up when you pass.

    I'm with Endsleigh at the moment, they're the cheapest for me but to be honest sometimes it seems like quotes are drawn from a hat :D

    The best price comparison site is Money Supermarket. Most of the others don't work :up:
     
  8. 12BoreMax=P

    12BoreMax=P Posting Addict

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    al have to give endsly a go a havent tryed them yet . a got a quote on a pug 106 gti and 1 of the companys off confused wanted 6000 off is:eek:

    fairenugh the car is a gti but still its a bit too steep if you ask me !
     
  9. simply james

    simply james Banned

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    ive just took insurance out for my grandson in my name,him as second driver they wanted 3000 for him insuring it for himself,i got it for350 for bothe of uss now how can they come to that figure its mad int it
     
  10. 12BoreMax=P

    12BoreMax=P Posting Addict

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    it is !!

    out of cureosity i decided to get a quote on a renault megan it was on a 03 plate . now that car costs 2500 and its a 1.4

    my cheapest quote for that was 2570.35p to the penny

    now how can the quote me that on a more valubul car with a bigger engine
    but quote me £2500 on a car that is a 1.1 and cost less than my new gun !!:eek::eek::eek:
     
  11. simply james

    simply james Banned

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    they do what they want mate ,there worse then estate agents
     
  12. 12BoreMax=P

    12BoreMax=P Posting Addict

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    aye you got a point there mate :up:
     
  13. Buzz

    Buzz Banned

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    I think high insurance premiums for the very young drivers are there as much as a deterent as anything, but they are there for very good reasons.

    We handle guns frequently, but who here would be happy allowing 17 year olds to be able to own and use a large calibre centrefire rifles anywhere in the country without supervision??

    A none FAC air rifle is 12 ft/lbs maximum, an average car travelling at 70 MPH has a kinetic energy of around 300,000ft/lbs. When things go wrong they can go wrong BIG STYLE with a car accident and although it's wrong to tar all with the same brush, insurance companies can't evaluate each person individually. They have to go on the statistics as to who are the drivers most likely to have an accident. A 17 year old male driver is 4 times more likely to have an accident in their first year after passing their test than a 17 year old female and that's because each 17 year old male thinks he is the best driver in the World and is totally invincible. Ask Cog.
     
  14. 12BoreMax=P

    12BoreMax=P Posting Addict

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    i can see excataly what you mean mate . but as you say they tar every 1 with the same brush . i suppose the best thing for me to do is bite the bullet and just pay the price and prove im not the same by not haveing an accident and building up my no clames wich i suppose i will get my money back from a car rather rapidly as i will be able to work further away :D
     
  15. mark

    mark Well-Known Member

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    i know what people getting at when they say young people think their Colin McCray just out of interest when i passed i had a metro witch blow its engine n i get a Renault laguna 1.8 8v and that was cheaper to insure than the metro 1.1

    i think insurance company's look at hatch backs as the boy racers tool of choice so try get a saloon even bmw 3 series are cheap to insure as-longs u stay below 320 in the e36 models i was 19 just passed my test n i paid 1200 after 6months driving
     
  16. EX Mod Cog

    EX Mod Cog Keyboard Hero

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    It's not as simple as you think, I mean it depends what insurance group the car is in. I'm not being funny but you don't want a GTI, if the car is a sports model, even if it's slow, they'll probably charge more.

    Get a Peugeot 306, only cost me £1500 a year, and it has a 1.9 diesel; none of that 1 litre crap.
     
  17. simply james

    simply james Banned

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    your right there cog mate
     
  18. EX Mod Cog

    EX Mod Cog Keyboard Hero

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    I don't think I'm a brilliant driver, and I don't believe I've ever said that. I've always planned on doing Pass Plus, which helps with experience, although I've covered everything it does on my own now since I passed a while ago.

    Insurance prices aren't down to people like me, because I will always try and pay cash. Everyone I know would do the same. You have to pay cash anyway even with insurance so that's why it's completely unfair.
     
  19. i8allthepies

    i8allthepies Posting Addict

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    And it's much more efficient at damaging parked cars, then you can drive off without leaving details and push up premiums for everyone:up:
    Adopt a teenager while they still know everything:up:
     
  20. Buzz

    Buzz Banned

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    You just beat me to that Dave, my version was slightly different but on the same lines.
     

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