Thought I'd see what they could quote on their website : £1360, £715 more than Admiral for me. Insurance companies really do seem to vary quite a lot. That's what happened to me last year, but Admiral matched Elephant's quote, stating that because Elephant are part of Admiral, they could match it instantly. I'm not sure I'll find anyone cheaper than Admiral. I tried direct line last year, and they weren't even in the same ballpark (£1600+ compared to £660). I'm pretty sure they'll try to increase it in my renewal, but a quick comparethemarket search and phone call normally gets it down again.
Same here, they matched elephants quote and then took £60 off because I've been with them for two years. Will be changing next year as they totally screwed up my payments and actually left me uninsured for a week before telling me.
WOW, seeing these crazy prices on car insurance makes me cringe, my first car at 17 was a Mk4 Ford Escort 1.3 which I paid £950 TPFT for. Getting anything over a 1.3 on a first car is pretty much asking for them to sting you with high premiums, the 1st years no claims knocks a massive chunk on the next years price. Always buy bit of an older slower car as your first as it will get knock, banged, curbed etc, when you got a year or 2 no claims and much more real-world experience then go for a newer more powerful car At the moment what makes me laugh is I have 2 cars and have done for last 5 years so I have 2 sets of no-claims, I have full no claims (9+ years) on my 450bhp Evo track car and with everything declared including it being stripped and caged im paying just under £700 P.A Fully Comp YET im paying only £120 less to insure my VW Golf GT TDI PD-150 (150bhp Diesel) which I have 5 years no claims on, work that out?!? I was expecting to pay £300-400 on the golf not nearly £600 odd and yet the cars are like day and night apart!?! Insurance works in strange ways sometimes!
Nope Nope Nope... Mine went up despite 0 accidents and an advance to 1 years no claims ( had not been driving prior to that). so.. don't expect any favours when you hit 25 Also - 25, software engineer £850 inc. of 10k business miles.
Wonder if its to do with TVR's not working much, and the garage time needed and lack of actual used on the road time.. ?
Ah maybe I should elaborate that is based on someone driving from the age of 18 years old. Based on my own insurance at the NFU when I was first insured It was £1200 on a 1.2 Clio with £250 voluntary excess + another £250 required so a total £500 excess. When I hit 21 the total excess dropped to £200 my insurance also lowered due to NCB build up but I bought a new car so it virtually stayed the same. At 25 I will basicly unlock the rest of my cover (third party cover on other peoples cars etc) pay no excess and lower my premiums. This based on the NFUs top level car insurance (gold cover) so I get breakdown cover etc as standard.
Age: 27 Profession: IT - Jack of All Trades NCB: 7 Full licence held: 7 almost 8 Car: 2001 Fabia 1.4MPI Insurance: ~ £720 Fully Comp + Protected NCB I've never being able to insure a new car nor a fast car. Beats me how some people on here can insure awesome fast and new cars & only being driving a year! What's the secret
Self employed trader Been driving 40 years had just about every type of vehicle from HGV to sports cars Got a Megane atm. 75% NCB protected, full comp, windscreen cover, no excess, courtesy car, legal cover, no mileage limit. £180 a year.
funny you should say that - I know someone with a TVR and it does indeed spend most of its time in the garage. The sheer amount of time they spend trying to get the thing fixed is phenominal.
Age: 21 Current Car: Nissan Micra 98' plate 32k miles on the clock Proably only drive 4-5k miles annually Current insurance is... 1k Gonna go pick up a Proton Gen 2 1.3 which should be 1.4k for insurance but that's fully comp.
Age: 28 Current Car: pug 106 zest 3 1.5 diesel, normally aspirated, 1998 Up to 12k SDP Current insurance is 315 fully comprehensive for me and the wife Also 2002 Zafira 2.0 dti comfort Same mileage and drivers 330 fully comp
Depends on a lot of factors. -My postcode reduced my quote quite a bit. -My job being in 'education' reduced my quote quite a bit. -Parking my car off road reduced my quote quite a bit. -Having an additional named driver with full (9 year) NCB reduced my car a bit...they are only named not main driver. -Adding business insurance actually REDUCED my quote, I queried this as I thought something had gone wrong and they said that business users statistically have less accidents. -Turning 25 reduced my quote significantly.
Thread is TLDR but here's some nuggets I've picked up: Get a classic car! You can then join a classic car club and save £££. Example: I have a Triumph Dolomite (1854cc). Insurance via standard insurers was quoted £1600 to £1800 ish. However, by joining The Triumph Dolomite Club, a partnered insurer quoted me (an 18 yr old at the time) £580! This is because club members are likely to be careful car owners and apparently safer road users, thus lower premiums given. It is possible that other modern cars are suitable for the same car club idea, but I don't know. Bonus: no road tax for cars over a certain age. Double bonus: cars from pre-1973 get black number plates with silver writing, mmmmm Some insurers have this "black box" device that logs your acceleration and cornering; it can give you a discount on the premium. When checking quotes don't just look at TPF&T, I strangely got lower premiums when looking for Fully Comprehensive... Don't pay online straight away. If you call them, you can haggle a surprising amount when they ask "how much have you paid previously?". You can get a surprising discount.
Try the quote with the car in your name - it can be cheaper! Good luck with a 106, hope it's more reliable than mine. Classic/club policies Cheesecake. I've just renewed mine at the beginning of this month, only to find our owner's club now has an insurance scheme!
couldn't get a quote in my name! Only problem I've had with it (so far) is the ignition pack decided to die going up a steep hill... 78k miles so not bad for its age
How long have you had it? Was it the coilpack that goes in a rail along the engine, or a separate one with HT leads? I had issues with my GTI engine eating packs at first, but pulling the cover off to let a bit more heat dissipate seems to have cured it.
