so got my quote for the year 2 weeks ago - quite chuffed , got it down £180... but now , want to change my car for a diesel... ask kwik fit (my insurer) - they want £457 addition premium! im changing from a petrol 806 to a diesel one..... so it would go from £330 a year for £887 a year!! WTF?? 8 year no claims , over 25 (lol) - its a damn joke! - they also want £87 if i choose to cancel!
I changed my car about 9 months into an insurance thing, bearing in mind I had already paid 1200, to go from a mk1 focus 1.6 to a mk1 focus st170 they wanted another 1800 quid. I was 24 at the time on my second year of NCB. Lol'd at them, went elsewhere and got insured for 1000 for a year. Still. A grand is a lot of money to throw away on the theory that I might have an accident.
The wonderful world of insurance. Crooks the lot of them. I have 5 years no claims, am 30 and still my premium is more than it was for a bigger faster car when I was 25 >: (
the problem i face - i can change company and get the level of cover i have now for £465 (comp , protected no claims , breakdown and legal cover) - but the difference would be £100 over what kwik fit finally agreed to (the reduced it with discounts to £550 from £887) - i cancel at kiwk fit and pay the cancellation and would save all of £25
You'd also reset your insurance cycle so its always due at christmas/new year. Its bad enough with VED, trust me its not worth the hassle.
£500 a year on an 03 plate Volvo V40 1.9 turbo diesel - with 9+ years of no claims bonus (Protected always), legal cover (that now doesn't include a guaranteed courtesy car.... despite last year having that feature that I specifically asked for), breakdown cover and relay to my destination. Think my postcode makes them go ker-ching despite me being: a) Married b) A Father c) A teacher (apparently one of the most statistically safe jobs when calculating insurance risk) d) History of high performance cars ( Renault 19 16v followed by Saxo VTS followed by a UK spec Impreza Turbo 2000 running 270bhp and 270 ft/lb torque) e) 35 years old. Despite this, it is still cheaper now than at any time in my life iirc.
Thought i might chime in.... Damn you people that pay under £1000 a year! £300 a month on a 1.1 2 door knackered Peugeot from the early 90s here
How's this for logic: 25, no NCB, license since 17 but no real car insurance history. 2005 BMW 630i (3 litre straight six) Fully comp w/ £450 excess.....£730pa. I am one lucky son of a gun.
23 next week, 4 years no claims fully comp with £250 excess 1ltr car (all roughly the same) £250 a year. I'm slightly higher for my sports car at £700 or so, but it is a lunatic-fringe-mobile
When we had the Scoob it was more expensive to insure with the GPS tracker enabled than it was with it disabled. Figure that one out?
Well i was £650 for a 10 year old Fiesta, changed last week to a new C1... and got a refund! New better more expensive car.. lower cost?!?
Gav, you survived the ordeal at Stirling Arnold Clark? well done....I couldn't cope with all the pressure cross-selling to some Korean thing.... C1 is definitely a lower risk than the fiesta though, I can actually see how that would work out.
Yeah, the guys were geniunly good, and I did get a very good deal for my C1 so I am chuffed, plus I have done a few quotes for the future and the C1 certainly is a cheap wee car to insure... Happy that my crash hasn't effected my insurance (it was his fault, but I was still concerned it would get bumped up)
