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Car Insurance : Online Estimates #95504
23rd Dec 2005 12:15am
23rd Dec 2005 12:15am
Joined: Nov 2003
Posts: 5,327
Birkenhead, Wirral.
Scooby Offline OP
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Scooby  Offline OP
Forum Veteran
Joined: Nov 2003
Posts: 5,327
Birkenhead, Wirral.
Car insurance varies unbelievable....

As you may know i bought the B*tch a Suzuki Vitara Rossini for her 21st. I was going to add her to my Trade Policy but it was going to cost £1,000 per year (Fully Comp) omg

I stumbled across two Insurance Supermarkets whilst browsing :

The Money Supermarket and Confused.Com

With these you simply put in your personal and vehicle details and they search approx 50 different on-line insurance companies for the various estimates and list them in price order.

As you can see below there is a HUGE differance in the estimates and it hasnt picked up on First Alternative who are the cheapest by far. So these may not be brilliant but certantly save you visiting 50 different websites, inputting your details and then getting your estimates together.

  • Local Broker £965.46
  • Local Broker £980.06
  • Quote-A-Car £1019.14
  • Kwik-Fit Insurance £1036.90
  • Insureandgo £1048.95
  • Auto Direct £1069.65
  • Auto Direct £1069.65
  • Quote-A-Car £1090.65
  • Local Broker £1104.45
  • Its4Me £1108.80
  • Swinton £1108.80
  • Auto Direct £1110.90
  • Quote-A-Car £1110.98
  • Insureandgo £1111.95
  • Direct Choice £1117.35
  • Endsleigh £1142.42
  • Direct Choice £1227.45
  • Insureandgo £1245.30
  • Diamond £1252.65
  • Screentrade £1419.17
  • Norwich Union Direct £1452.99
  • Insureandgo £1602.30
  • Direct Choice £1682.52
  • Lancaster Insurance £1766.11
  • Insureandgo £1802.26



Wow, The prices are 3 times what she is now paying through Liverpool Victoria Web Site

A Little trick to help lower the premiums :

We selected to increase the volentary Excess from £100 to £250, We removed the "Personal Injury Policy"

This reduced the premium by £50 in total.

Whats peoples opinions on Insurance, How much you paying and whats your opinions of the above prices ??

Google Ads
Re: Car Insurance : Online Estimates #95505
23rd Dec 2005 1:25am
23rd Dec 2005 1:25am
Joined: Dec 2003
Posts: 646
Prenton
GazzA Offline
Smartchild
GazzA  Offline
Smartchild
Joined: Dec 2003
Posts: 646
Prenton
Pay £660 fully comp and thats with me being 20 with the 2years claims i have.

Will be paying £400ish after my 21st with me then having 3 years claims.

Re: Car Insurance : Online Estimates #95506
23rd Dec 2005 2:18am
23rd Dec 2005 2:18am
Joined: Nov 2004
Posts: 7,238
Leuchars
scoop Offline
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scoop  Offline
Wiki Addict
Joined: Nov 2004
Posts: 7,238
Leuchars
I pay 900 fully comp for 10 months bonus accelerator,through elephant,but thats cos i wrote the old car off this year.Next year when im 21 and my no claims comes i should be payin 600 or less hopefully,actually,scrap that,ill be payin over 700 prob as itll be insured as a 1.8 with a fair few mods by then


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Re: Car Insurance : Online Estimates #95507
23rd Dec 2005 10:15am
23rd Dec 2005 10:15am
Joined: Nov 2003
Posts: 3,793
Home
AX_125 Offline

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AX_125  Offline

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Posts: 3,793
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My insurance quotes vary a great deal.

I am paying about £800 on a group 14 with 4 years ncb.

I have had quotes for next year varying from £500 to £1600. Most of the companies are owned by the same people which is weird


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Re: Car Insurance : Online Estimates #95508
23rd Dec 2005 10:39am
23rd Dec 2005 10:39am
Joined: Nov 2003
Posts: 5,327
Birkenhead, Wirral.
Scooby Offline OP
Forum Veteran
Scooby  Offline OP
Forum Veteran
Joined: Nov 2003
Posts: 5,327
Birkenhead, Wirral.
Quote
Originally posted by AX_125:
Most of the companies are owned by the same people which is weird
Yeah, we got a good quote from sainsbury's which was about £700, once i started reading through the FAQ i read that sainsburys dont provide the insurance themselves, they go through E-SURE or FIRST ALTERNATIVE so thats when i thought about getting a quote of these companies themselves. By Cutting out the middle man (Being Sainsburys) we saved an additional £100 smack

What a crazy world we live in......

Re: Car Insurance : Online Estimates #95509
23rd Dec 2005 12:20pm
23rd Dec 2005 12:20pm
Joined: Nov 2003
Posts: 21,190
Wirral
Mark Online Reading

Wiki Master
Mark  Online Reading

Wiki Master
Joined: Nov 2003
Posts: 21,190
Wirral
Just a Side note while chatting about insurance.

Section 59 Your insurance could be cancelled Click me

Good work Scooby, will give it a go with my
next renewal.


My Avatar images are all from the Wirral Gallery.Click Me
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we get +200 new members a month now smile
Re: Car Insurance : Online Estimates #95510
23rd Dec 2005 9:47pm
23rd Dec 2005 9:47pm
Joined: Dec 2005
Posts: 46
chester and lancaster
xcorix Offline
Newbeee
xcorix  Offline
Newbeee
Joined: Dec 2005
Posts: 46
chester and lancaster
mine costs £330 fully comp im 19 with 2 yrs no claims
do only drive a 1.1 tho tease

Re: Car Insurance : Online Estimates #95511
23rd Dec 2005 11:31pm
23rd Dec 2005 11:31pm
Joined: Nov 2003
Posts: 21,190
Wirral
Mark Online Reading

Wiki Master
Mark  Online Reading

Wiki Master
Joined: Nov 2003
Posts: 21,190
Wirral
Who with ?


My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile
Re: Car Insurance : Online Estimates #95512
24th Dec 2005 8:19pm
24th Dec 2005 8:19pm
Joined: Jan 2005
Posts: 8,795
Tranmere
Wheels Offline
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Wheels  Offline
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Posts: 8,795
Tranmere
eek confused eek confused I pay 1200 fully comp with 1yrs no claims! gutted! thats with liverpool victoria

Re: Car Insurance : Online Estimates #95513
24th Dec 2005 8:25pm
24th Dec 2005 8:25pm
Joined: Nov 2003
Posts: 3,793
Home
AX_125 Offline

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AX_125  Offline

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Posts: 3,793
Home
I just got a quote with first alternative for my renewal next month, and it works out about £200 more that what i will end up paying with privilege next year.


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Re: Car Insurance : Online Estimates #95514
24th Dec 2005 9:58pm
24th Dec 2005 9:58pm
Joined: Nov 2003
Posts: 1,663
Tranmere
John WRX Offline
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John WRX  Offline
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Posts: 1,663
Tranmere
Just tried first alternative and they wont insure me.

Tesco. Im 25, 5 years n.c.b 6 points.
Fully comp protected n.c.b £1440


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Re: Car Insurance : Online Estimates #95515
25th Dec 2005 12:57am
25th Dec 2005 12:57am
Joined: Dec 2003
Posts: 5,677
Bebington, Wirral
D
DavidB Offline
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DavidB  Offline
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Posts: 5,677
Bebington, Wirral
I'm 600 quid with www.elephant.co.uk
*TOP TIP* I knocked about 80 quid off the original quote by putting my dad as an extra driver *TOP TIP*

Considering it was 1200 last year, it's not bad. What's the difference in being a year older though??


"C20 LET bang"
Re: Car Insurance : Online Estimates #95516
26th Dec 2005 1:12am
26th Dec 2005 1:12am
Joined: Nov 2004
Posts: 7,238
Leuchars
scoop Offline
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scoop  Offline
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Joined: Nov 2004
Posts: 7,238
Leuchars
Is everyones mods fully insured,for insntance.JohnWRX,are u mods declared/insured. If u were to write the scooby off would tesco pay for another impreza and give u the retail price for ur new mods??


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Re: Car Insurance : Online Estimates #95517
26th Dec 2005 6:28pm
26th Dec 2005 6:28pm
Joined: Dec 2003
Posts: 8,019
my house
Sanchez Offline

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Sanchez  Offline

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Joined: Dec 2003
Posts: 8,019
my house
i can t belive you bought her that, kim, what the hell are you doing raftl raftl


Uncertainty or not knowing causes depression, Im happy because I know I'm going to die one day!
Re: Car Insurance : Online Estimates #95518
4th Jan 2006 6:13pm
4th Jan 2006 6:13pm
Joined: Jan 2006
Posts: 83
Prenton
newnes Offline
Member
newnes  Offline
Member
Joined: Jan 2006
Posts: 83
Prenton
hey guys

liverpool victoria is cheap, well it was for me smile

i got my punto for £1900 a year, an me mate got one not too long ago for £3500! haha

Re: Car Insurance : Online Estimates #95519
4th Jan 2006 10:52pm
4th Jan 2006 10:52pm
Joined: Dec 2005
Posts: 46
chester and lancaster
xcorix Offline
Newbeee
xcorix  Offline
Newbeee
Joined: Dec 2005
Posts: 46
chester and lancaster
whoooooo quoted £270 now with shilas wheels:P

Re: Car Insurance : Online Estimates #95520
4th Jan 2006 11:23pm
4th Jan 2006 11:23pm
Joined: Dec 2003
Posts: 646
Prenton
GazzA Offline
Smartchild
GazzA  Offline
Smartchild
Joined: Dec 2003
Posts: 646
Prenton
Quote
Originally posted by phill123:
hey guys

liverpool victoria is cheap, well it was for me smile

i got my punto for £1900 a year, an me mate got one not too long ago for £3500! haha
Is it me or did i hear you say cheap?.. doh learn

Re: Car Insurance : Online Estimates #95521
4th Jan 2006 11:50pm
4th Jan 2006 11:50pm
Joined: Jan 2006
Posts: 83
Prenton
newnes Offline
Member
newnes  Offline
Member
Joined: Jan 2006
Posts: 83
Prenton
its cheapish.

i got £6000 from more than tease

Re: Car Insurance : Online Estimates #95522
5th Jan 2006 3:24am
5th Jan 2006 3:24am
Joined: Dec 2003
Posts: 646
Prenton
GazzA Offline
Smartchild
GazzA  Offline
Smartchild
Joined: Dec 2003
Posts: 646
Prenton
lol, then someone doesn't want you on the road! lol

My first year of driving to present date

1st - £1170
2nd - £660 (current)
3rd - less then £400

Re: Car Insurance : Online Estimates #95523
5th Jan 2006 9:55am
5th Jan 2006 9:55am
Joined: Nov 2003
Posts: 3,793
Home
AX_125 Offline

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AX_125  Offline

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Joined: Nov 2003
Posts: 3,793
Home
1st 1200 Polo
2nd 800 Polo
3rd 600 AX
4th 800 Civic
5th 550 Civic


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Re: Car Insurance : Online Estimates #95524
5th Jan 2006 10:37am
5th Jan 2006 10:37am
Joined: Jan 2006
Posts: 83
Prenton
newnes Offline
Member
newnes  Offline
Member
Joined: Jan 2006
Posts: 83
Prenton
1st i had a nova for £1100, then i got my punto in october for £1900.

Only passed me test in july aswell tease
lol

Re: Car Insurance : Online Estimates #95525
16th Jan 2006 1:26pm
16th Jan 2006 1:26pm
Joined: Oct 2004
Posts: 491
Birkenhead
R
Rossyboy Offline
Smartchild
Rossyboy  Offline
Smartchild
R
Joined: Oct 2004
Posts: 491
Birkenhead
my insurance is £1998 fully comp on a 1.4 civic. with liverpool victoria. not bad considering ive had my license about 6 months. thats like at least £500 less than any other quote i got. would you say i should tell my insurance company about my lexus lights and back box?

Re: Car Insurance : Online Estimates #95526
16th Jan 2006 2:11pm
16th Jan 2006 2:11pm
Joined: Nov 2003
Posts: 3,793
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AX_125 Offline

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AX_125  Offline

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Posts: 3,793
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My insurance renewal has just come through the post at over £100 more than the quote i got from them online oshocked

Getting on to them about that now


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Re: Car Insurance : Online Estimates #95527
11th Feb 2006 9:31pm
11th Feb 2006 9:31pm
Joined: Jan 2006
Posts: 338
prenton
jonny vectra sri Offline
Old Hand
jonny vectra sri  Offline
Old Hand
Joined: Jan 2006
Posts: 338
prenton
im just about 2 spend £2500 on my insurance for a 2ltr vectra sri


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Re: Car Insurance : Online Estimates #95528
12th Feb 2006 12:12pm
12th Feb 2006 12:12pm
Joined: May 2005
Posts: 545
wirral
M
mp3_85 Offline
Smartchild
mp3_85  Offline
Smartchild
M
Joined: May 2005
Posts: 545
wirral
I got my renewal through the post and it hadn't gone down more than £50. I rang up NU and told them it was insulting and reittrated about ten times NOT to direct debit my account. Then he asked me why I was not going for renewal.. doh

I haven't found a new insurer yet but I know that their price was too high so I'm confident I will get a better quote. I get the feeling to get good deals you have to swap insurers every year or other as they just dont lower the premium along with your age going up/NCB increasing.

Re: Car Insurance : Online Estimates #95529
22nd Feb 2006 3:53pm
22nd Feb 2006 3:53pm
Joined: Nov 2003
Posts: 21,190
Wirral
Mark Online Reading

Wiki Master
Mark  Online Reading

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Posts: 21,190
Wirral
2 things reading down this topic.

1st : Liverpool Victoria New / Renewal policy's
They do not cover any modifications anymore ?
I was with them and have been forced to switch there clamping down. There sales assistant said yep they would at one point insure just about anything, but now they wont....
They will allow Alloys and a Sun Roof but that's it...
This isnt to say they may change again in the future.
Your insurance could be invalid call them up and check your policy terms and conditions.

--------------

2nd A bit of bumf through the post.

Motor Insurance Warehouse
Subject to minimum claim £300
Say with one call they can access 25 insurance brokers for you?

Fast quote 0800 015 92 19

I havent used it but may be useful for someone else.


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Re: Car Insurance : Online Estimates #95530
22nd Feb 2006 8:22pm
22nd Feb 2006 8:22pm
Joined: Jan 2004
Posts: 868
Moreton
L
lazy_ben Offline
Wise One
lazy_ben  Offline
Wise One
L
Joined: Jan 2004
Posts: 868
Moreton
i got a quote off tesco for a BMW 730i.

£1,013 TPFT. Not bad for a massive german bruiser laugh


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Re: Car Insurance : Online Estimates #95531
27th Feb 2006 10:26pm
27th Feb 2006 10:26pm
Joined: Jan 2006
Posts: 31
Wirral
Jimmy1Pint Offline
Newbeee
Jimmy1Pint  Offline
Newbeee
Joined: Jan 2006
Posts: 31
Wirral
Which company is good for insuring mods that Doesnt make a car faster?

Re: Car Insurance : Online Estimates #95532
28th Feb 2006 10:58am
28th Feb 2006 10:58am
Joined: Nov 2003
Posts: 21,190
Wirral
Mark Online Reading

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Mark  Online Reading

Wiki Master
Joined: Nov 2003
Posts: 21,190
Wirral
I am now with Quinn Direct

It came out of the searches from post 1.

I had to change from Liverpool Victoria
as they would only allow a sunroof and alloys frown


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Re: Car Insurance : Online Estimates #95533
6th Apr 2006 10:00am
6th Apr 2006 10:00am
Joined: Nov 2005
Posts: 584
wallasey
Garry_St Offline
Smartchild
Garry_St  Offline
Smartchild
Joined: Nov 2005
Posts: 584
wallasey
igot quote on a shogun 3L V6 24valve fully comp in wallasey and its was £279.00 and highest i got was £2500 dont make any sense


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Re: Car Insurance : Online Estimates #95534
6th Apr 2006 5:25pm
6th Apr 2006 5:25pm
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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MattLFC  Offline
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Moreton/Beirut/Mobile
I have still to find an insurer anywhere near the price of Frizzell (Liverpool Victoria) for my insurance. The cheapest quotes I have had on my Clio's is like £1100 with 1yr NCB (from the likes of Tesco) with most wanting at least £1300.

Frizzell are currently charging me £704 per year, down from £1083 last year.

Its rediculous, I have searched loads of companies, manually and using the "multi-search" websites for a cheaper quote then Frizeell, but simply cannot find one even near!

I cannot understand it. Oh an another thing, if I insure my car 3rd party (so not covered against theft), I would save £280 just by living at my dad in Hereford. Now, I know the theft level where he lives it zero, but if my car isnt insured against theft, what different should it make to a policy that ony covers the 3rd party in the event of an accident caused by your? I can't see that drivers are safer just because they live in a different postcode *(in fact there are a lot more accidents in Hereford as the roads are not built for the amount of traffic I hate driving down there), it is discrimination no question about it. And I though discrimination was illegal nowadays...

Rant over! lol laugh

Re: Car Insurance : Online Estimates #95535
6th Apr 2006 5:50pm
6th Apr 2006 5:50pm
Joined: Nov 2004
Posts: 7,238
Leuchars
scoop Offline
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scoop  Offline
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Posts: 7,238
Leuchars
ur not insuring against just crashes,even tho the postcode is a low risk one theres still the risk that the car [i]may[/b] be stolen,set fire to,tree falls on it

Insurance is for a lot more than just crashing into someone,

Must say elephant.co.uk were best for me and allow a small amount of mods,(think its maximum of 3,so that could be "exhaust,wheels,suspension"


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Re: Car Insurance : Online Estimates #95536
6th Apr 2006 6:45pm
6th Apr 2006 6:45pm
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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MattLFC  Offline
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Moreton/Beirut/Mobile
Quote
Originally posted by scoop2004:
ur not insuring against just crashes,even tho the postcode is a low risk one theres still the risk that the car [i]may be stolen,set fire to,tree falls on it[/b]
I was talking about 3rd party only (not 3rd part F+T), which only covers crashes, not crime etc Thats why I cannot understand why the difference in premium is so high smile

Re: Car Insurance : Online Estimates #95537
6th Apr 2006 6:58pm
6th Apr 2006 6:58pm
Joined: Nov 2004
Posts: 7,238
Leuchars
scoop Offline
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scoop  Offline
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Posts: 7,238
Leuchars
oh right,im as confused as u now lol.If they aint gonna pay out why the hell should crime zone and risk of fire make any difference to premium lol.Just the way it is i spose,personally id never insure a car TP or TPF+F as u'll never see any money from them if ANYTHING happens


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Re: Car Insurance : Online Estimates #95538
17th Apr 2006 5:31pm
17th Apr 2006 5:31pm
Joined: Nov 2004
Posts: 7,238
Leuchars
scoop Offline
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scoop  Offline
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Posts: 7,238
Leuchars
With my insurance up in a few weeks ive been gettin quotes for next year. Tried this website here just now and i can get insured on a '92 S13 200SX 1.8 T manual STANDARD for a tad under 500 quid with a 500 quid excess,or 600 quid with no excess,or incriments in between depending on how much i want my excess. What a sweet company.Deffo gettin a 200 real soon now.

For reference i paid 900 quid for this year ending on my scort,ill prob start next years with this company and switch it to my 200 when i gets one


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Re: Car Insurance : Online Estimates #95539
17th Apr 2006 6:35pm
17th Apr 2006 6:35pm
Joined: May 2004
Posts: 1,813
woundn`t you like to know
L
lawton Offline
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Joined: May 2004
Posts: 1,813
woundn`t you like to know
wow, nice one scoop, ive just got a quote off them and its half the price iam paying at the moment

Re: Car Insurance : Online Estimates #95540
1st May 2006 5:43pm
1st May 2006 5:43pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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BMW Joe  Offline
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Joined: Apr 2006
Posts: 12,369
Birkenhead
My 1.6i civic coupé with Liverpool Victoria was I think...a little under £1800 a year, fully comp, 500 excess, no ncb, 18yo

My beemer is a little under £1500 a year with Liverpool Victoria again, fully comp, £300 excess, no ncb and still 18.

Both on my own insurance with no additional drivers.

Most other quotes I've had were ridiculous like £4000 a year up to £8500 a year!


Autowirral.co.uk - The Northwest's Biggest forum of Motoring Enthusiasts.
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Re: Car Insurance : Online Estimates #95541
11th Jul 2006 11:36pm
11th Jul 2006 11:36pm
Joined: Jan 2006
Posts: 83
Prenton
newnes Offline
Member
newnes  Offline
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Posts: 83
Prenton
i pay £950 with 2 years no claims ... an im only 18 haha

go with liverpool victoria an get all ya no claims smile

thats what i did and then went to lloyds tsb smile
they beat liverpool victoria by a few hundred bcos of the no claims smile

Re: Car Insurance : Online Estimates #95542
11th Jul 2006 11:39pm
11th Jul 2006 11:39pm
Joined: Jan 2006
Posts: 83
Prenton
newnes Offline
Member
newnes  Offline
Member
Joined: Jan 2006
Posts: 83
Prenton
bt thats just 0n a standard punto

Re: Car Insurance : Online Estimates [Re: newnes] #147705
31st Jan 2007 5:33pm
31st Jan 2007 5:33pm
Joined: Nov 2003
Posts: 21,190
Wirral
Mark Online Reading

Wiki Master
Mark  Online Reading

Wiki Master
Joined: Nov 2003
Posts: 21,190
Wirral
Churchill have just beaten any deal i could find.
Beating the online quotes from confused and supermarket. coffee



Challenge Churchill ends 1st March 2007

Churchill Online yipee

Links to Confused and money supermarket can be found
in the first post.


My Avatar images are all from the Wirral Gallery.Click Me
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Re: Car Insurance : Online Estimates [Re: Mark] #147721
31st Jan 2007 7:07pm
31st Jan 2007 7:07pm
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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They will only beat it if you have 3yr NCB, so they almost certainly won't match my current insurance with Quinn Direct, who in turn make all other quotes a laughing stock lol!

smile

Re: Car Insurance : Online Estimates [Re: MattLFC] #147724
31st Jan 2007 7:16pm
31st Jan 2007 7:16pm
Joined: Nov 2003
Posts: 21,190
Wirral
Mark Online Reading

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Mark  Online Reading

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Matty i'm with Quinn Now and Churchill are £100 Cheaper yipee


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Re: Car Insurance : Online Estimates [Re: Mark] #147727
31st Jan 2007 7:27pm
31st Jan 2007 7:27pm
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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Yer but companies like that tend to aim for "older" drivers, whereas companies like Quinn and LivVic tend to aim for younger drivers.

So it means me filling ut a long quotation form and probably getting a bad quote anyway.

They should have a quick qute optin imho!

smile

Re: Car Insurance : Online Estimates [Re: MattLFC] #147730
31st Jan 2007 8:18pm
31st Jan 2007 8:18pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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That Quinn Direct is crap.

Just tried to get a quote and they only have like 10 different makes of cars selectable.

Even some of the more common makes are missing thumbsdown


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #147734
31st Jan 2007 9:17pm
31st Jan 2007 9:17pm
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Moreton/Beirut/Mobile
MattLFC Offline
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Make sure you use the "personal" insurance quotation, as they do "commercial" insurance as well and this has a much smaller range of cars.

The list I get is pretty much the same as every other insurer.

wink

Re: Car Insurance : Online Estimates [Re: AX_125] #147830
2nd Feb 2007 3:18pm
2nd Feb 2007 3:18pm
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wallasey
Garry_St Offline
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i am paying 275 full comp with no excess and 6 years NCB i think i found a good one


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Re: Car Insurance : Online Estimates [Re: Garry_St] #148456
14th Feb 2007 10:22pm
14th Feb 2007 10:22pm
Joined: Jun 2006
Posts: 56
Wirral
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Aaaaaalex Offline
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£1400 in parents name with me as named driver - 21 yrs old, 1 yrs named driver ncb and £800 excess... damn conviction!

Re: Car Insurance : Online Estimates [Re: Aaaaaalex] #152390
3rd Apr 2007 8:45am
3rd Apr 2007 8:45am
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Wirral
CustomIce Offline
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Wirral
Group 15 car 2 yrs NCB 26 yrs old £450 ish with Allianz Cornhill, scary thing is though i've already paid out as much as i paid for the car in insurance alone in 3 years!

Re: Car Insurance : Online Estimates [Re: CustomIce] #152440
3rd Apr 2007 3:40pm
3rd Apr 2007 3:40pm
Joined: Feb 2006
Posts: 76
Little Neston, Wirral
Surfergirl89 Offline
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Little Neston, Wirral
I paid £410 third party fire and theft on my Pug 106 1.1 this year with Prudential. Didn't think that was too bad as i'm only 18 with 1 years NCB.


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Re: Car Insurance : Online Estimates [Re: Surfergirl89] #152508
3rd Apr 2007 9:25pm
3rd Apr 2007 9:25pm
Joined: Nov 2006
Posts: 3,992
1313 Mockingbird Lane, I live ...
jonah Offline
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1313 Mockingbird Lane, I live ...
5 yrs no claims £300 fully comp a year


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Re: Car Insurance : Online Estimates [Re: jonah] #155662
13th May 2007 11:50am
13th May 2007 11:50am
Joined: May 2007
Posts: 558
Prenton
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Petei123 Offline
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Prenton
i pay 1400 tpft after a 1 year ban 4 drink driving!!!

Re: Car Insurance : Online Estimates [Re: Petei123] #171063
7th Sep 2007 4:09pm
7th Sep 2007 4:09pm

A
Alex85
Unregistered
Alex85
Unregistered
A


I pay £1700 on my BMW.

That is with Tesco, 21 year old, 0ncb (2 years named driver discount) and a CD10 with an 18 month ban, not so bad.

Re: Car Insurance : Online Estimates [Re: Garry_St] #171543
10th Sep 2007 7:34am
10th Sep 2007 7:34am
Joined: Jul 2007
Posts: 2,888
New Ferry
Davey_Martin Offline
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i got a quote on a peugeot 1.4 LX for £695, that's with holding a full uk license less than 1 month. that was with eCar insurance second lowest was Kwik Fit at just over £790, they didn't provide a courtesy car which would have boosted the price a bit. not that i would need one, just nick the gf's car lol

Re: Car Insurance : Online Estimates [Re: Davey_Martin] #171563
10th Sep 2007 11:11am
10th Sep 2007 11:11am
Joined: Apr 2006
Posts: 2,367
Prenton
MrPhil Offline
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fiesta mk6 with my missus as main driver and me as 2nd i have had 2 bans and the missus has 5 points (clean licences now tho), 750 Fully comp with courtesy car inc for free, thats with swinton.


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Re: Car Insurance : Online Estimates [Re: MrPhil] #171569
10th Sep 2007 11:50am
10th Sep 2007 11:50am
Joined: Aug 2005
Posts: 16,136
New Brighton
_Ste_ Offline
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New Brighton
I pay £995 for a trade policy with Highway insurance via qoute me today.
This entitles me to drive any car i like 24/7 and i can have as many cars on the policy as i like with a simple 1 min phonecall to the mod database.
It also covers anyone who wishes to drive my cars wether they have insurance or not.
And i only passed my test in march last year!
Does not cover motorbikes,quads or pre 1960 cars though.
A big improvement on the £890 odd i was paying tescos to insure my probe 24v smile

Re: Car Insurance : Online Estimates [Re: _Ste_] #171595
10th Sep 2007 2:23pm
10th Sep 2007 2:23pm
Joined: Jul 2007
Posts: 2,888
New Ferry
Davey_Martin Offline
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just got offered £987 for a 2002 fiesta zetec s... havent got a car yet as u might figure... trying to find one tho that i can afford to pay for and run/insure... the fiesta zetec s looks like the most likely option for me just now tho

Re: Car Insurance : Online Estimates [Re: Davey_Martin] #203004
2nd Feb 2008 7:46pm
2nd Feb 2008 7:46pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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I have a problem at the moment...

tried to get my car insured today with the same company I used last year.

Exact same details, nothings changed except I've held my license a year longer.

My insurance used to cost almost £160 a month and they are now quoting me £260 a month.

Thats with eCarInsurance, so I'm after other insurance companies to try - any ideas?


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #203007
2nd Feb 2008 7:58pm
2nd Feb 2008 7:58pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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Birkenhead
Liverpool Victoria:

1 payment of £3740.22

OR

9 monthly payments of £354.68

somad


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #203008
2nd Feb 2008 8:02pm
2nd Feb 2008 8:02pm
Joined: Apr 2006
Posts: 2,367
Prenton
MrPhil Offline
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Prenton
try swinton joe, we got a good deal off them, also add an older driver, ie, mum, dad etc.

we had as good service off them when the drivers door wash knocked into last year. and they have an office in Birkenhead so atleast you know you speak to english poeple.


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Re: Car Insurance : Online Estimates [Re: MrPhil] #203020
2nd Feb 2008 8:39pm
2nd Feb 2008 8:39pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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Swinton:

£255.20 Monthly Payment

or

£2,529.01 single payment


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #203024
2nd Feb 2008 9:28pm
2nd Feb 2008 9:28pm
Joined: Aug 2005
Posts: 5,253
Wirral
Pomp Offline

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Pomp  Offline

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Wirral
Originally Posted by BMW Joe
I have a problem at the moment...

tried to get my car insured today with the same company I used last year.

Exact same details, nothings changed except I've held my license a year longer.

My insurance used to cost almost £160 a month and they are now quoting me £260 a month.

Thats with eCarInsurance, so I'm after other insurance companies to try - any ideas?


Joe ring them up and explain your situation! usually works, say to them that you've been with them with the cost of £160 monthly but now you've been quoted £260 an ask whats going on.

Re: Car Insurance : Online Estimates [Re: Pomp] #203046
2nd Feb 2008 10:17pm
2nd Feb 2008 10:17pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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That was my idea pomp, but they're not open until monday now.
I have tried a few others and Admiral are cheap (for me that is) at £1620.65 a year.

Will keep searching, but still open to suggestions smile


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #203048
2nd Feb 2008 10:23pm
2nd Feb 2008 10:23pm
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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Moreton/Beirut/Mobile
Try Quinn-Direct if you havent already...

but tbh, just get a quote from www.moneysupermarket.com - it is extremely good comparison site, far better and less biased then the likes of compare.com etc...

smile

Re: Car Insurance : Online Estimates [Re: MattLFC] #203051
2nd Feb 2008 10:26pm
2nd Feb 2008 10:26pm
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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Moreton/Beirut/Mobile
The reason I say try Quinn, is because this is the difference they were for me:

https://www.wikiwirral.co.uk/forums/ubbthreads.php/ubb/showflat/Number/186322#Post186322

smile

Re: Car Insurance : Online Estimates [Re: MattLFC] #203059
2nd Feb 2008 10:38pm
2nd Feb 2008 10:38pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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First time I tried it asked me to log in as it timed out???

and second time of trying I got this:

An internal error has occurred in the quote system - please try again later, or call QDI.


So I aint even going to bother with them


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #203064
2nd Feb 2008 10:43pm
2nd Feb 2008 10:43pm
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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MattLFC  Offline
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Moreton/Beirut/Mobile
Do a quote with money supermarket then smile

Re: Car Insurance : Online Estimates [Re: MattLFC] #203112
3rd Feb 2008 1:07am
3rd Feb 2008 1:07am
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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I did do, thats how I got Admiral wink


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #203113
3rd Feb 2008 1:15am
3rd Feb 2008 1:15am
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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MattLFC  Offline
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Moreton/Beirut/Mobile
Looks like they will be ya cheapest then... feel for ye matey, im only paying £29.00 per month increased from £24.50 per month last year, £160 a month is absolutely ludacris!!!

Re: Car Insurance : Online Estimates [Re: MattLFC] #203114
3rd Feb 2008 1:16am
3rd Feb 2008 1:16am
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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MattLFC  Offline
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Moreton/Beirut/Mobile
Come to think about it, I only paid summit like £90 on me first car like 4 years ago!!

You're over 21 aint ye??

Re: Car Insurance : Online Estimates [Re: MattLFC] #203115
3rd Feb 2008 1:19am
3rd Feb 2008 1:19am
Joined: May 2004
Posts: 6,261
Birkenhead
C
Cali_16v Offline
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Birkenhead
i went with confused.com, there quoted the same price as moneysupermarket.com.

Lancaster insurance, £580 a year, that with nil no claims bonus, on a group 14 car. only been driving 4 years.

I am 26 like.


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Re: Car Insurance : Online Estimates [Re: MattLFC] #203172
3rd Feb 2008 12:38pm
3rd Feb 2008 12:38pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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Birkenhead
Originally Posted by MattLFC
You're over 21 aint ye??


not yet, 7 months time frown


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #203180
3rd Feb 2008 1:19pm
3rd Feb 2008 1:19pm
Joined: Aug 2005
Posts: 5,253
Wirral
Pomp Offline

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Pomp  Offline

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Wirral
look like I'll be 21 before joe

Re: Car Insurance : Online Estimates [Re: Pomp] #203182
3rd Feb 2008 1:49pm
3rd Feb 2008 1:49pm
Joined: Aug 2006
Posts: 2,421
Ellesmere Port
T
Tony_1985 Offline

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Ellesmere Port
I'm with Zurich, paying £50 a month for my 1.8 vectra FULLY COMP

22 yrs old
driving 4 years
3 yrs ncb

might be worth trying them

Re: Car Insurance : Online Estimates [Re: BMW Joe] #203678
4th Feb 2008 4:20pm
4th Feb 2008 4:20pm
Joined: Nov 2003
Posts: 21,190
Wirral
Mark Online Reading

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Mark  Online Reading

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Posts: 21,190
Wirral
Originally Posted by BMW Joe
First time I tried it asked me to log in as it timed out???

and second time of trying I got this:

An internal error has occurred in the quote system - please try again later, or call QDI.


So I aint even going to bother with them
Use IE Joe it happened to me too in FF.

=========================================
The Search Begins for my re-newal car insurance.
Ive been on with it all day as the prices are daft?
Its working out exactly the same as last year think ??

After some digging and quoting ive found out why?

This year i have 4 years no claims smile < pat on head > But....
I obviously want to protect my No Claims now.
And that varies from £30 to £96 depending upon who omg

So that's something i didn't think about having to pay to protect what i have.

God knows what's happend to previous insurers ive used.

This year quote = £436
Renewal want a bit more but not as much additional stuff included.

LV = (Used to be great for me) Now £933 omg omg
Quinn = (Used to great for me ) Now £531

Its gone nuts.

I did get through to my current insurer and they put me through
to a retention person to try and keep me lol....
Will ring them back again to see what they can do now i finally
have a quote in place.

Only thing is the new Quote is with that dopey

"Its only a commercial" - esure lol...
But £150 better than the rest so.........

So i would call up to your old insurer again joe.

LV : You now have a drop list to declare any mods on your car.
Quinn : Do any driver for a second driver over 21.

And there seem to be more questions and offers.
Switching things on and switching things off to adjust the prices...

Insurance is now a pain in the ass < Confirmed > lol


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Re: Car Insurance : Online Estimates [Re: Mark] #204083
4th Feb 2008 8:44pm
4th Feb 2008 8:44pm
Joined: Apr 2006
Posts: 12,369
Birkenhead
BMW Joe Offline
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BMW Joe  Offline
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Birkenhead
Originally Posted by Mark
Insurance is now a pain in the ass < Confirmed > lol

it always has been and it always will be a ballache

I f*cking hate it.

I'll keep trying as I'm hoping to get insured this week and have it MOT'd and on the road next week sometime


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Re: Car Insurance : Online Estimates [Re: Cali_16v] #204098
4th Feb 2008 10:10pm
4th Feb 2008 10:10pm
Joined: Aug 2005
Posts: 5,253
Wirral
Pomp Offline

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Pomp  Offline

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Wirral
gona try that moneysupermarket see if i get any interesting offers

Re: Car Insurance : Online Estimates [Re: Pomp] #204115
4th Feb 2008 11:09pm
4th Feb 2008 11:09pm
Joined: May 2004
Posts: 6,261
Birkenhead
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Cali_16v Offline
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Birkenhead
Confused.com yet again


Focus = paying £500, will be paying thatnks to confused.com £210.00


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Re: Car Insurance : Online Estimates [Re: BMW Joe] #208096
19th Feb 2008 12:47pm
19th Feb 2008 12:47pm
Joined: Nov 2006
Posts: 3,992
1313 Mockingbird Lane, I live ...
jonah Offline
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jonah  Offline
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1313 Mockingbird Lane, I live ...
well, i've just noticed both our insurances is up for renewal soon, so here is some advice om what to consider when looking for insurance yourself.


If you are a driver or owner of a car, motorbike, lorry or any other type of motor vehicle, you must be insured by law.

The world of motor insurance is a complex one. There are literally hundreds of different policies to choose from, and it's not always easy to know how to go about finding the right one for you - and at a cost that won't break the bank!

Here we aim to explain some of the ins and outs of motor insurance, and the advantages of obtaining impartial and expert advice. Also, what you should do if you're involved in an accident.

Third Party, Fire And Theft

The minimum insurance cover you can buy is called 'third party only'. This covers you if you injure someone else or damage their property. However, very few companies will sell you this cover on its own.

The next step up includes 'fire and theft', and this provides protection against loss and damage if your vehicle is burnt or stolen. However it will not protect you against damage to your vehicle if you're involved in an accident, or if it is vandalised.

Comprehensive Insurance

Comprehensive insurance covers damage to your vehicle from a wide range of causes, including accidents and fire and theft. Other benefits sometimes include limited cover for items stolen from your vehicle, medical expenses and personal accident protection. Some companies such as Directline now include vandalism cover free as standard on all fully comp policies.

The word 'comprehensive' can be misleading however, as these policies always include limitations and exclusions.

Uninsured Loss Recovery (ULR)

This provides the policyholder with cover for legal expense costs to pay for a solicitor to pursue a guilty third party in order to recover your uninsured losses - policy excess, hire car charge, any other out of pocket expenses caused by the third party negligence - as well as costs to pursue a personal injury claim. ULR often provides cover for free 24 hr legal advice of a personal nature.

It is especially useful for Third Party Fire & Theft policyholders and will attempt to recover not only the losses mentioned above, but also their vehicle damage costs (from a negligent third party.)

Motorist's Legal Protection

This is cover to meet the cost of defending court actions arising from incidents on the road. It includes a free 24 hour expert advisory service.

How much will it cost?

The cost of motor insurance can vary enormously - an insurance broker who knows the market will be able to select the best policy for you. However, many factors will influence the premium you have to pay.

• The type of vehicle you drive. The more powerful the engine, the more expensive the car is to repair, and the more likely it is to be broken into or stolen will all affect the premium you have to pay.

• The area you live in, your occupation and where your car is parked. If you live in an inner city where you are more likely to be involved in an accident or have your car stolen, you will pay more than someone who lives in a country village. The same is true if you use your car for work . Whether or not your car is kept in a garage can also make a difference. Including cover for drivers under the age of 25 will also affect the premium - costs can be kept lower by restricting the drivers to you, or you and your legal partner only, although named drivers can now earn no claims discounts too..

• Your age and driving experience. Young drivers are more likely to have accidents, while older people tend to be more careful. Insurers generally apply a basic rate to drivers aged 30-49. If you're younger than this, your premium is likely to be higher due to the higher risk posed. If you're older, you could qualify for a discount. Any disabilities you have will also be taken into account.

• If you've been convicted of motoring offences in the past, or have a bad accident record, you will probably have to pay a higher premium.

• Before an insurance company will sell you motor insurance it will want to weigh up all the risks involved, so before your broker can offer you an accurate quotation they will have to ask a lot of detailed questions covering the points outlined above. Remember - if you fail to provide accurate information a subsequent claim may be refused.

• It's worth consulting a broker who has a wide knowledge of what's available and will shop around, saving you considerable time in having to seek quotations from different insurers.

Cutting the Cost

You may be able to reduce the premium you pay by restricting the cover granted by the policy. For example - you could limit the number of people who will drive the vehicle. But be careful - if the regular driver is incapacitated, you don't want to find out that nobody can drive the car in an emergency.

Another way of cutting your insurance costs is to agree to pay the first part of any claim. This is known as an 'excess' and discounts are available for taking out an additional voluntary excess (e.g. £100) but beware that compulsory excesses may already apply. Young drivers may be able to obtain an initial discount on their first year’s policy if they have successfully sat the "Pass Plus" exam.

If you have more than one car, most insurers will offer dual car discount which can be as much as 10%. Even putting down your average annual mileage can reduce your premium...

No Claim Bonus

Once you've had motor insurance for a year or more without making a claim, you should be eligible for a 'no claim discount' or 'no claim bonus.' This usually amounts to a reduction of 30% on your premium in the first year, rising in annual steps to a maximum of 60 or 65%.

If you make a claim, your no claim bonus will be reduced or disallowed. If you have built up a higher rate of bonus, most insurers will usually reduce it by two years, rather than disallowing it altogether, and some offer a protected no claim bonus. Sometimes it may be cheaper to pay for minor damage yourself, rather than risk losing your bonus.

But what if the accident was not your fault? If you have protected or guaranteed your 'no claim bonus' this should be preserved following an incident, however if it is not protected it will be stepped back until the claim is resolved and a recovery made in full from the guilty third party. Your no claim bonus shouldn't be affected if the insurer is able to recover the cost of the claim from the party who was to blame.

It's important that you inform your broker of all incidents of damage or loss, however small, and even if you do not make a claim for them. There have been cases where insurance companies have refused to meet claims because the driver failed to disclose previous incidents.

Insuring your car abroad

Your UK policy will provide cover in EU countries to meet their minimum legal requirements, but this may not be enough if you have an accident. Nor will it cover you for theft or damage to your car, and may not cover your legal liabilities to other people. Some insurers will ask you to pay an additional premium for comprehensive cover whereas others give it at no cost. If you are a regular traveller to the continent check with your broker who will select the most appropriate choice for you. You may need to advise your insurer of any overseas trip.

If you don't tell your insurer and have an accident, you may find yourself paying for the extra costs that would have been incurred had the accident happened in this country, provided the insurer agrees to deal with the claim.

When you start your policy ask your broker if you have an EU certificate and if it is necessary to tell them about journeys less than 30 days to Europe.

If you do not have a EU certificate, or are travelling outside Europe you will need to give your broker plenty of notice that you wish to order a green card. This will provide the necessary evidence that your policy meets the legal requirements for third party liability in the country you are visiting.

However always ensure that if you do travel outside the UK your insurance policy will extend the same cover to Europe. Some policies will only give the minimum legal requirement in the country visited which will not necessarily be the same as the cover you have in the UK and in this scenario will certainly not provide cover for loss or damage to your vehicle..

If you are involved in an accident

If you have a vehicle accident which causes injury or damage, you must give your name and address, and details of your insurance policy to anyone who reasonably needs it.

• If you're involved in an accident, do not admit liability. Take the name and address of the other driver, and details of their insurance company, and of any witnesses. If anyone is injured, call the police. If they do not attend the scene, or if someone else's property has been damaged, the accident must be reported to the police within 24 hours.

• You must tell your insurance company about the accident, even if you do not intend making a claim, as you will always need to report and incident. Your broker can advise you about whether you should make a claim or not.

• If you intend to claim, you'll have to contact your broker. You should wait for the go-ahead from your insurance company before having your vehicle repaired. They may want a damage assessor to look at it, or you may have to supply estimates before the work is done. Some insurers may have their own repair schemes, where you can take the vehicle to garages which may be able to start repairs immediately.

• If you have to pay a proportion of the repair costs, then you must pay this to the repairer irrespective of who was to blame for the accident. Should you decide to go ahead with the repair yourself, you are responsible for the cost until your insurers have agreed to pay. But beware of taking this course of action, because if the insurer can show repairs could have been done cheaper somewhere else, they may pay a lesser amount than you claim.

• If your vehicle is not worth repairing, the insurance company will offer you a lump sum for it. This is known as a 'write-off' or 'total-loss'. The damaged vehicle then belongs to them.

•After an accident, you may incur expenses which are not covered by your policy - examples are the cost of hiring a car while yours is repaired, or compensation for personal injury. Such expenses might be claimed against a third party – again, your broker will be able to give you all the advice you need.

If your vehicle is stolen

If you vehicle is stolen, you must inform the police immediately. You should also tell your insurance broker as quickly as possible.

You'll may have to wait up to six weeks with some insurers before they will settle any claim for its loss. This time is to allow the police to investigate the crime, and hopefully recover the vehicle, however many insurers operate shorter timescales.

If your vehicle is found, tell your insurance company and give them precise details of its whereabouts.

Personal property stolen from a vehicle or damaged may be covered under a comprehensive policy, but only up to a certain limit - usually around £150.





[Linked Image]
http://www.myspace.com/jonah1974
stevejones74@hotmail.co.uk


"WELL MY NUTS ARE HALFWAY UP MY ASS, BUT OTHER THAN THAT I'M PERFECT.....! "
Re: Car Insurance : Online Estimates [Re: jonah] #208104
19th Feb 2008 1:40pm
19th Feb 2008 1:40pm
Joined: Oct 2007
Posts: 2,380
bromborough
chiccy Offline
chiccy of the chiccyness
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chiccy of the chiccyness
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Posts: 2,380
bromborough
good lord jonah!!!


Find me on facebook as: Gail Jones

Find me on msn as : ibizachic[at]hotmail.com

&#9829;`*•.¸&#9829;¸.•* &#9829;¸.•*chiccy* &#9829;`*•.¸&#9829;¸.•* &#9829;
Re: Car Insurance : Online Estimates [Re: Scooby] #218278
24th Mar 2008 12:47am
24th Mar 2008 12:47am
Joined: Feb 2008
Posts: 1,131
wallasey
D
dave_g Offline
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D
Joined: Feb 2008
Posts: 1,131
wallasey
wos with kwik fit on a mondeo 1.8 an they wanted an extra 500 or so for a 1.3 td corsa b*****s
smack

Re: Car Insurance : Online Estimates [Re: Mark] #221760
18th Apr 2008 11:10pm
18th Apr 2008 11:10pm
Joined: Feb 2008
Posts: 1,131
wallasey
D
dave_g Offline
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dave_g  Offline
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D
Joined: Feb 2008
Posts: 1,131
wallasey
they are crap

Re: Car Insurance : Online Estimates [Re: dave_g] #221767
18th Apr 2008 11:36pm
18th Apr 2008 11:36pm
Joined: Oct 2007
Posts: 1,113
wirral
Beemertastic Offline
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Beemertastic  Offline
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wirral
hmm..best ya get insurance..or plod will have you...


Mustang
Re: Car Insurance : Online Estimates [Re: Beemertastic] #221768
18th Apr 2008 11:37pm
18th Apr 2008 11:37pm
Joined: Oct 2007
Posts: 1,113
wirral
Beemertastic Offline
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wirral
and your motor..and smile whilst they do it!!
raftl pc


Mustang
Re: Car Insurance : Online Estimates [Re: Beemertastic] #221806
19th Apr 2008 11:14am
19th Apr 2008 11:14am
Joined: Jul 2007
Posts: 2,888
New Ferry
Davey_Martin Offline
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Davey_Martin  Offline
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Posts: 2,888
New Ferry
for me on missus policy were paying £350ish fully comp, legal assistance, breakdown cover, etc etc with the AA

Re: Car Insurance : Online Estimates [Re: Davey_Martin] #268806
12th Nov 2008 12:50am
12th Nov 2008 12:50am
Joined: Apr 2006
Posts: 5,488
Spital
MGCraig Offline
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MGCraig  Offline
AlfaHolic
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Posts: 5,488
Spital
For a 1995 Alfa Romeo 146 1.7 Boxer... I was recommended to ask Tesco Compare for a quote.

On BOTH Fully Comp and £rd Party, I was given a cheapest quote of £1589


So i thought Screw that, i know I can get that cheaper... Thanks to MoneySupermarket.com, I got a quote of this...

[Linked Image]

YES....£1055.....Thats £500 whole pound cheaper. Thats another car for gods sake !!!!
Im sure that by ringing the company up in person, I should be able to get it cheaper as well laugh


Tesco..... Robbing barstard !!!


[Linked Image]

------------------------------------------------------------
Re: Car Insurance : Online Estimates [Re: MGCraig] #458546
6th Jan 2011 7:28pm
6th Jan 2011 7:28pm
Joined: Nov 2003
Posts: 21,190
Wirral
Mark Online Reading

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Mark  Online Reading

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Joined: Nov 2003
Posts: 21,190
Wirral
My dads Renewal had gone up from £295 to £462

But of price comparison and from £295 to £362 we can live with not happy about it.

Admiral insurance worked for him.


My Avatar images are all from the Wirral Gallery.Click Me
Wow Wirral History is coming along Great! Wirral History

we get +200 new members a month now smile
Re: Car Insurance : Online Estimates [Re: Scooby] #465537
25th Jan 2011 11:38am
25th Jan 2011 11:38am
Joined: Aug 2004
Posts: 22,315
Moreton/Beirut/Mobile
MattLFC Offline
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MattLFC  Offline
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Moreton/Beirut/Mobile
Admiral are quoting cheapest for me too Mark. £303 for the year, though that is without breakdown (Quinn it was always included at no extra cost). Admiral want £89 per year for a half-decent breakdown service, id rather go to the RAC or even Tesco (Green Flag) at that price.

Got me renewal invitation through from Quinn Direct last week... last year they increased it from £220 the previous year, to £540, and now it has jumped to £1050!!

Have queried it, and it appears they are now charging me nigh on £250 for the "any driver" scheme, whereas last year it added £0.00 to the premium. Given up discussing it any further with them, since they seem intent on getting around £800 a year from me, and Admiral are quoting almost 1/3rd the price with the point included.

Wouldnt mind, but im doing less than half the milage nowadays (asked about dropping from 7000 miles to 2000 miles and they said it would make no difference) and Quinn shafted me last month dropping my car off their MID for a few days even though it was insured, causing me the hassle and cost of having the car siezed, which they were made aware of and have since apologised for, and then they have the nerve to invite me to renew with them at double the cost a few weeks later.

Insurance companies really don't give a shit about loyalty, ive been with Quinn for 5 years, and never paid over £500 in all that time so for it to suddenly skyrocket this year makes no sense. I guess their only excuse is the fact they are in administration, which means they are in the financial shit.

Re: Car Insurance : Online Estimates [Re: Scooby] #490955
24th Mar 2011 12:12pm
24th Mar 2011 12:12pm

A
Alex85
Unregistered
Alex85
Unregistered
A


Renewal quote through of £717 with Admiral.

Not bad, paid over £1,000 last year but have since hit the magical age of 25.

Re: Car Insurance : Online Estimates [Re: Scooby] #491436
25th Mar 2011 12:24am
25th Mar 2011 12:24am
Joined: Dec 2010
Posts: 110
Oxton
D
dva99999 Offline
Enthusiast
dva99999  Offline
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D
Joined: Dec 2010
Posts: 110
Oxton
For the last few years I have bought very good 15 year old cars to get classic car insurance through Footman James. Now, before people go on about limited mileage, I pay for a 15 year BMW estate with business use, fully comp, £194 per year. I have a few points, 3 accidents ( 2 non fault). I also had an MX5 93, again with business use £222. The insurance company require that the car is garaged between 11pm and 7am. I have worked out (with my History) that it is cheaper to run both cars (including tax) than it is to run one newer car, also taking into account the initial costs and depreciation. Oh, I can do 6000 miles a year.

Re: Car Insurance : Online Estimates [Re: Scooby] #491438
25th Mar 2011 12:51am
25th Mar 2011 12:51am
Joined: Oct 2010
Posts: 3,973
wirral
poodlepup Offline
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poodlepup  Offline
Forum Guardian
Joined: Oct 2010
Posts: 3,973
wirral
Yes i;m withyou on that classic car is the way to go

my insurance had jumped up from £302 to £780

shopped around got it for £435,why are all the premiums going scandasly high?


Every dog has its day!
Re: Car Insurance : Online Estimates [Re: Scooby] #491492
25th Mar 2011 10:48am
25th Mar 2011 10:48am
Joined: Oct 2008
Posts: 5,039
Birkenhead
derekdwc Online content
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derekdwc  Online Content
Forum Veteran
Joined: Oct 2008
Posts: 5,039
Birkenhead
Car insurance companies know they're on a good thing.
If you have a car you have to have insurance by law and they have the police who enforce it.
If you need something that is a 'got to have' they can charge as much as they can get away with - same with petrol, TV licence

Last edited by derekdwc; 25th Mar 2011 10:49am.
Re: Car Insurance : Online Estimates [Re: Scooby] #491500
25th Mar 2011 10:56am
25th Mar 2011 10:56am
Joined: Mar 2010
Posts: 805
Prenton
M
MrBrightside Offline
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MrBrightside  Offline
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M
Joined: Mar 2010
Posts: 805
Prenton
I pay £592 one off payment with elephant. BMW 323 coupe. Was paying £932 last year. Im 28 and still pay lots. One of those things hey! 3 year no claims.


It's 106 miles to Chicago, we got a full tank of gas, half a pack of cigarettes, it's dark, and we're wearing sunglasses
Re: Car Insurance : Online Estimates [Re: MrBrightside] #491504
25th Mar 2011 11:05am
25th Mar 2011 11:05am
Joined: Aug 2010
Posts: 865
ottawa canada ( formerly new b...
snowshoes Offline

Wise One
snowshoes  Offline

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Joined: Aug 2010
Posts: 865
ottawa canada ( formerly new b...
I pay 450...2010 new Toyota Corolla

Re: Car Insurance : Online Estimates [Re: Scooby] #492209
26th Mar 2011 12:01am
26th Mar 2011 12:01am
Joined: Oct 2010
Posts: 376
Liscard
Wiggi77 Offline
Old Hand
Wiggi77  Offline
Old Hand
Joined: Oct 2010
Posts: 376
Liscard
Just had a quick look for insurance quote online cos mines due next month. Can get insured again with same company swiftcover for £438 and a few round about the same price, but one company (wiserchoice insurance) at the bottom quoted £18734!!

Re: Car Insurance : Online Estimates [Re: derekdwc] #492232
26th Mar 2011 1:40am
26th Mar 2011 1:40am
Joined: Apr 2008
Posts: 133
Tranmere Birkenhead
A
Andy13 Offline
Enthusiast
Andy13  Offline
Enthusiast
A
Joined: Apr 2008
Posts: 133
Tranmere Birkenhead
red diesel is a must for me hehe

Re: Car Insurance : Online Estimates [Re: Wiggi77] #492901
27th Mar 2011 8:39am
27th Mar 2011 8:39am

A
Alex85
Unregistered
Alex85
Unregistered
A


Originally Posted by Wiggi77
Just had a quick look for insurance quote online cos mines due next month. Can get insured again with same company swiftcover for £438 and a few round about the same price, but one company (wiserchoice insurance) at the bottom quoted £18734!!


What's that on?

Re: Car Insurance : Online Estimates [Re: Scooby] #492907
27th Mar 2011 8:54am
27th Mar 2011 8:54am
Joined: Oct 2010
Posts: 376
Liscard
Wiggi77 Offline
Old Hand
Wiggi77  Offline
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Joined: Oct 2010
Posts: 376
Liscard
It's an a4 s line diesel. It's worth about £12k. Why would I pay 18k insurance?

Re: Car Insurance : Online Estimates [Re: Scooby] #707338
7th Jul 2012 3:46pm
7th Jul 2012 3:46pm
Joined: May 2011
Posts: 1,131
Upton
paxvobiscum Offline
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paxvobiscum  Offline
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Posts: 1,131
Upton
I have just accepted 7yrs no claims £205 insurance for 3yr old Nissan Micra. This year I opted to pay £24 extra for legal liability. I don't really understand the advantage, but thought should play safe, so would value comments from Wikki. I am retired.

Re: Car Insurance : Online Estimates [Re: paxvobiscum] #707366
7th Jul 2012 5:11pm
7th Jul 2012 5:11pm
Joined: Nov 2011
Posts: 804
sunny place
J
jaki1 Offline
Wise One
jaki1  Offline
Wise One
J
Joined: Nov 2011
Posts: 804
sunny place
just got my daughters sorted on wednesday.
she's 23 and 1 years no claims,a punto.
quoted £1136 for one off payment and £1800 for direct debit.

robbing gits.

Re: Car Insurance : Online Estimates [Re: Scooby] #707474
7th Jul 2012 9:51pm
7th Jul 2012 9:51pm
Joined: Feb 2008
Posts: 1,131
wallasey
D
dave_g Offline
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dave_g  Offline
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D
Joined: Feb 2008
Posts: 1,131
wallasey
things like occupation can change the price,try changing different things (within reason!)and you will see a difference.

Re: Car Insurance : Online Estimates [Re: Scooby] #707475
7th Jul 2012 9:52pm
7th Jul 2012 9:52pm
Joined: Feb 2008
Posts: 1,131
wallasey
D
dave_g Offline
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dave_g  Offline
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D
Joined: Feb 2008
Posts: 1,131
wallasey
things like occupation can change the price,try changing different things (within reason!)and you will see a difference.

Re: Car Insurance : Online Estimates [Re: dave_g] #707476
7th Jul 2012 9:58pm
7th Jul 2012 9:58pm
Joined: Aug 2005
Posts: 16,136
New Brighton
_Ste_ Offline
Wiki Master
_Ste_  Offline
Wiki Master
Joined: Aug 2005
Posts: 16,136
New Brighton
Originally Posted by dave_g
things like occupation can change the price,try changing different things (within reason!)and you will see a difference.


Pisses me off that, because I work for a company that sell vans they automatically assume I'll be using my own insurance to drive work vans even though I am on works insurance policy.

So I pay out the arse for my trade policy, full of crap, just to get more money out of us.

Assholes they are!

frown

Re: Car Insurance : Online Estimates [Re: Scooby] #835862
9th Nov 2013 9:54am
9th Nov 2013 9:54am
Joined: Jan 2010
Posts: 1,516
wirral
E
Excoriator Online content
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Excoriator  Online Content
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E
Joined: Jan 2010
Posts: 1,516
wirral
I was horrified to receive a renewal from Admiral (Multicar, 2 cars) for £1200. I managed to get the same deal for £540 from LV via confused.com.

It is irritating, because next year there is every chance that LV will send me a renewal letter quoting a huge increase and Admiral will prove much cheaper. They clearly hope you won't look for a cheaper quote.

I always do, and I do the same with energy companies. You can ALWAYS get it cheaper by switching.

You'd think these companies would wish to keep your custom by charging less than the competition, but clearly they can make more from the inertia or laziness that results in many people NOT switching.


Re: Car Insurance : Online Estimates [Re: Scooby] #853983
28th Jan 2014 1:12pm
28th Jan 2014 1:12pm
Joined: Jan 2010
Posts: 872
Here
dizdazdoz Offline

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dizdazdoz  Offline

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Here
Starting to pee me off and getting right on my nerves at the min.

Police interceptors last night an uninsured driver with a child sleeping on the back seat his fine is a huge £120, I pay 4x that to be legal with 10+ yrs no claims.

My daughter who is 17 and a learner, we looked at insurance for when she passes on a 12yr old 1.2 ltr punto priced at £491 and the insurance (only 1 company would quote) is a lovely price of.

£13475.29 per year . . . what is the logic in youngsters actually doing the lessons/test then being priced of the roads, at that price some must think I will risk losing the 27 other cars I can buy by not bothering.

I think the fine (minimum) should be what 12 months legally insurance would be, as for the % of insurance that goes in a pot for uninsured bumholes I would sooner it was used to help those legally trying to get road experience.

Last edited by dizdazdoz; 28th Jan 2014 1:13pm.
Re: Car Insurance : Online Estimates [Re: Scooby] #853990
28th Jan 2014 1:52pm
28th Jan 2014 1:52pm
Joined: Dec 2011
Posts: 798
Out an about
mikroc Offline
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mikroc  Offline
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Out an about
Try 2k for a car worth a quarter of that but have to start somewhere


If he dies he dies
Re: Car Insurance : Online Estimates [Re: Scooby] #854086
28th Jan 2014 6:23pm
28th Jan 2014 6:23pm
Joined: Jan 2010
Posts: 872
Here
dizdazdoz Offline

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dizdazdoz  Offline

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Here
The quote was £13k

Re: Car Insurance : Online Estimates [Re: dizdazdoz] #854286
28th Jan 2014 11:55pm
28th Jan 2014 11:55pm
Joined: Mar 2010
Posts: 3,902
bromborough/wirral
reddragon Offline
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reddragon  Offline
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Posts: 3,902
bromborough/wirral
Just a thought Diz have a shufty for any driver over 18 on your policy see if she can be insured that way


ALWAYS REMEMBER BIG BROTHER IS WATCHING YOU:::::::: Have a nice day and an even better one tomorrow
Re: Car Insurance : Online Estimates [Re: Scooby] #854435
29th Jan 2014 5:34pm
29th Jan 2014 5:34pm
Joined: Jan 2010
Posts: 872
Here
dizdazdoz Offline

Wise One
dizdazdoz  Offline

Wise One
Joined: Jan 2010
Posts: 872
Here
Did and it was 6.5k with wife and daughter, really is ridiculous when its cheaper not to bother.

Re: Car Insurance : Online Estimates [Re: Scooby] #1026288
24th Nov 2016 12:37am
24th Nov 2016 12:37am
Joined: Mar 2010
Posts: 3,684
Heswallish
F
fish5133 Online content
Forum Guardian
fish5133  Online Content
Forum Guardian
F
Joined: Mar 2010
Posts: 3,684
Heswallish
Gosh last post nearly 3 years ago.
Current renewal price with Saga who have been with awhile £270. Compare the market cheapest £190 and about 30 other insurers less. Doesn't pay to be loyal..additional year no claim and they put it up 8%.

Re: Car Insurance : Online Estimates [Re: Scooby] #1026291
24th Nov 2016 1:21am
24th Nov 2016 1:21am
Joined: Jul 2008
Posts: 11,728
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 11,728
Birkenhead
LV are pretty good at the moment and are negotiable on price.

Had the same with Saga, they were never the cheapest but not a bad price then their prices got silly.

It was the AA that started all this nonsense off, they tried to capture the majority of the car insurance market with low prices (I seem to remember their target overt 60% of the market) but after they failed to attract as many as they thought they would they started to go for the renewal trap instead.

I use a specialist broker for some of my vehicles and even they struggle to get decent prices in Merseyside these days.


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates
Re: Car Insurance : Online Estimates [Re: Scooby] #1026300
24th Nov 2016 9:05am
24th Nov 2016 9:05am
Joined: Mar 2010
Posts: 3,684
Heswallish
F
fish5133 Online content
Forum Guardian
fish5133  Online Content
Forum Guardian
F
Joined: Mar 2010
Posts: 3,684
Heswallish
Hastings came in cheaper tbis time.was with them before . admiral one year. Presume they must keep having promotional times to get punters back.
First direct for wifes car but not mine..strange.

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