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#96323 - 21st Aug 2006 7:56pm Car Insurance companies are a piss take...
BMW Joe Offline
Wiki Master

Registered: 30th Apr 2006
Posts: 12369
Loc: Birkenhead
After getting in from work today, I noticed I had a letter off my insurance company (Liverpool Victoria). Thinking it would be good News about either a cheaper more affordable renewal quote or that my claim had finally worked out in my favour, I opened it rather quickly.

After spending a few minutes getting my head around the text and figures, it was to my disbelief that my renewal quote was to be rediculous.

"We have pleasure in enclosing our new quote of £4306.50 annual premium"

WHAT THE F**K!!!!

After my insurance being less than £2000 a year, it's more than double from 1 claim!?!?!

So now I'm stuck with 3 outcomes:

- Try and find a better renewal quote elsewhere (may involve lies)

- Go on the works insurance if possible

- Stop driving


The latter one, as much as I don't want to is seeming a pretty good idea atm as it will allow me to save £150 a month from the insurance, £100 a month in petrol, costs of tax, mot and any mods or problems.

So basically, I'm p*ssed off and just after a bit of advice on cheaper insurance or whats the best thing I could do.
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#96324 - 21st Aug 2006 7:58pm Re: Car Insurance companies are a piss take...
scoop Offline
Wiki Addict

Registered: 18th Nov 2004
Posts: 7238
Loc: Leuchars
this 1 claim? what was it for? ur fault? what else was involved?

As i said on MSN mate,think u shud a 1.1 fiesta and get insured third party,try a new company,maybe do pass plus,fit alarm,do anything to get the figure down
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#96325 - 21st Aug 2006 8:01pm Re: Car Insurance companies are a piss take...
krisGTi Offline
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Registered: 31st May 2006
Posts: 2855
Loc: moreton
try auto direct i got a quoite off them an i had 1 crash an 3 points an mine was 1500
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#96326 - 21st Aug 2006 8:15pm Re: Car Insurance companies are a piss take...
IzzZzzY Offline
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Registered: 5th May 2006
Posts: 1660
Loc: Birkenhead
Ring the ****ers up and see what there playing at.. can i call them for you and yell? laugh
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#96327 - 21st Aug 2006 11:09pm Re: Car Insurance companies are a piss take...
Gary Offline
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Registered: 22nd Dec 2003
Posts: 1328
Loc: Wirral
try elephant mate, ive had 3 shhh but 3 claims against me and they are really quite cheap.

or norwich union where good aswell.

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#96328 - 21st Aug 2006 11:44pm Re: Car Insurance companies are a piss take...
Mark Online   Reading


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Registered: 9th Nov 2003
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#96329 - 22nd Aug 2006 1:44am Re: Car Insurance companies are a piss take...
BMW Joe Offline
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Registered: 30th Apr 2006
Posts: 12369
Loc: Birkenhead
just 1 claim, apparantly my fault (stupid backwards woman driver grrrr), just the 2 cars, my car was written off even though the damage was fixable. Tried about 50 companies online so far and the best quote I got is just over £9,000 fully comp, or £2,300 without even mentioning the crash! GAH
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#96330 - 22nd Aug 2006 2:21am Re: Car Insurance companies are a piss take...
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Man thats bad!

But, from what you are saying, are Liverpool Victoria the cheapest quote you have had?

As all insurance companies use the same "format" to calculate their insurance, so this would be why it has increased.

Hope ya get it sorted mate, I am assuming you have tried Tesco?

frown

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#96331 - 22nd Aug 2006 2:40am Re: Car Insurance companies are a piss take...
Mark Online   Reading


Wiki Master

Registered: 9th Nov 2003
Posts: 21011
Loc: Wirral
Jesus

its enough to put you off the road. mad

Its awkward when your young.
And your always chasing that age thing.

Have you tried Sheila's wheels ?

Just speak with a high toned voice

Any chance of you becoming the named (Second Driver) on your car?

Get your pops to insure it and you
as a named driver.

Keep trying mate,
there has to be someone out there
that can get you a better quote.
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#96332 - 22nd Aug 2006 1:51pm Re: Car Insurance companies are a piss take...
StuyMac Offline

Wiki Master

Registered: 24th Nov 2003
Posts: 12002
Loc: Wirralshire
FFS what a pain in the arse that is eek

As webby mentioned, some companys are now doing no claims for named drivers if it would maybe cheaper to go on your parents policy...

Maybe get a lower risk car...

Keep shopping, theres gotta be somewhere cheaper than £4k - Im not surprised they have pleasure in giving that quote, they must be making a packet!!!

Good luck matey, sound like you might need it ... frown

Almost makes me happy to be old tease
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#96333 - 22nd Aug 2006 5:57pm Re: Car Insurance companies are a piss take...
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
One thing Joe, maybe you should put your number plate back on? (if you havnt already)

Cos you really dont want another 3 points if the police decide to give you some for it, as it would increase you premium further.

wink

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#96334 - 22nd Aug 2006 8:20pm Re: Car Insurance companies are a piss take...
Scoobys b*tch Offline
Forum Addict

Registered: 9th Nov 2003
Posts: 2218
Loc: Wirral
i am gutted for you mate, what a nightmare, they are a p*ss take these insurance companies.
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#96335 - 23rd Aug 2006 1:23am Re: Car Insurance companies are a piss take...
BMW Joe Offline
Wiki Master

Registered: 30th Apr 2006
Posts: 12369
Loc: Birkenhead
I'll be putting my plates back on, looks like I'll have to sell my car within the 2-3 weeks I have left.

Izzy phoned around the companies I already tried to see if she could get a cheaper quote. The cheapest one was £2500 TPFT with YesInsurance I think.

Been looking at 50cc - 125cc bikes. £30 a month insurance TPFT!!!! That would mean I'd be saving around £200 a month, if not more, as the insurance is cheaper and the petrol costs are amazing (i.e. 100+ miles on a full tank (£10)).

I was speaking to Dazza and he recommended stating that it is kept in a garage and perhaps think about getting a cat1 alarm fitted.

Havn't tried it in anyone elses name yet as I don;t really have anyone elses name to put it in. Mum doesn't drive and I aint spoke to my dad in years lol. Don't speak to my family either lol.

So yeah, either walking, cycling or a 125cc bike for me during the winter months, cas I refuse to use public transport.
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#96336 - 23rd Aug 2006 1:26am Re: Car Insurance companies are a piss take...
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Awwwww Joe man, thats so bad! frown

A do hope you can sort things out somehow.

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#96337 - 23rd Aug 2006 9:23am Re: Car Insurance companies are a piss take...
Scooby Offline
Forum Veteran

Registered: 9th Nov 2003
Posts: 5327
Loc: Birkenhead, Wirral.
Try getting some quotes for a different car, saxo's or fiesta or simillar.

Bikes arnt fun in the winter mate, trust me.....

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