Omega Owners Forum

Chat Area => General Discussion Area => Topic started by: Lazydocker on 05 March 2010, 12:29:38

Title: Amazing Insurance Renewal
Post by: Lazydocker on 05 March 2010, 12:29:38
Omega insurance is up for renewal at the end of the month. I've done the usual comparisons and searching (incredibly organised for me as I usually leave it till the last couple of days ::)) and can't believe that the renewal premium is actually the cheapest quote I can get anywhere :o :o It's even £10 cheaper than as a new customer with them :o :o

So a big :y :y :y to Swiftcover for finally realising that they can't rip people off for being too lazy to check :-X :-X
Title: Re: Amazing Insurance Renewal
Post by: feeutfo on 05 March 2010, 12:35:14
i'll look into it, need to get away from direct lines bs. :y
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 05 March 2010, 12:41:26
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i'll look into it, need to get away from direct lines bs. :y

Condition of LPG cover is it must be fitted by a professional... I told them it was fitted by a Mechanic (which I used to be) :-X ::) And they were fine.

Yours has a safety certificate so you'll be fine :y :y

Incidentally, they were also cheapest last year and only charged me an additional £8 for full business cover :y :y
Title: Re: Amazing Insurance Renewal
Post by: tunnie on 05 March 2010, 12:52:17
just done the same on the beemer, going to pay the policy off in full to avoid stupid rate APR.

Its my for my second year on the bike, gone from 660cc to 1200 BMW, added Pillion & commuting which did not have on previous policey, and its gone down £100  :D
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 05 March 2010, 13:09:16
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just done the same on the beemer, going to pay the policy off in full to avoid stupid rate APR.

Its my for my second year on the bike, gone from 660cc to 1200 BMW, added Pillion & commuting which did not have on previous policey, and its gone down £100  :D

I'd expect it to go down... You've gone from no NCD to 1 year (normally approx 30%) ;) ;)

Having been driving for 14 years my NCD doesn't get any better now :'( :'(
Title: Re: Amazing Insurance Renewal
Post by: tunnie on 05 March 2010, 13:19:37
true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting  :)
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 05 March 2010, 13:22:27
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true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting  :)
:o :o

Glad mine is nowhere near that - that would blow out the cost benefits for me :o
Title: Re: Amazing Insurance Renewal
Post by: tunnie on 05 March 2010, 13:24:58
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Quote
true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting  :)
:o :o

Glad mine is nowhere near that - that would blow out the cost benefits for me :o

Its not much more than the Yam i had before, that was £550 when i first took the policy out  :o

Reckon if i use it in the summer and commute from Surrey, i'll save about £10/15 per day....

But at the end of the day its just a toy  8-)
Title: Re: Amazing Insurance Renewal
Post by: tunnie on 05 March 2010, 13:25:35
should add, could have gone down to £350, if i had not added commuting and pillion
Title: Re: Amazing Insurance Renewal
Post by: Chris_H on 05 March 2010, 13:37:21
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true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting  :)
I can't get my head round "excess protection".  What's the difference between that and no excess?
Title: Re: Amazing Insurance Renewal
Post by: tunnie on 05 March 2010, 13:47:35
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Quote
true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting  :)
I can't get my head round "excess protection".  What's the difference between that and no excess?

I have an excess, think its £300. The protection is protection for it, if:

someone uninsured hits me
someone crashes into me and drives off
if i drop it all by myself in the garage / scrape it on the wall or what ever

Works out at £1.50 a month, if i have to claim, i get the excess back
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 05 March 2010, 14:09:53
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Quote
true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting  :)
I can't get my head round "excess protection".  What's the difference between that and no excess?
nothing
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 05 March 2010, 14:10:50
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Quote
Quote
true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting  :)
I can't get my head round "excess protection".  What's the difference between that and no excess?

I have an excess, think its £300. The protection is protection for it, if:

someone uninsured hits me
someone crashes into me and drives off
if i drop it all by myself in the garage / scrape it on the wall or what ever

Works out at £1.50 a month, if i have to claim, i get the excess back
All will still bugger your insurance next year, to the point you won'y give a monkey's nipple about £300 ;)
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 05 March 2010, 14:12:57
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Quote
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true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting  :)
I can't get my head round "excess protection".  What's the difference between that and no excess?

I have an excess, think its £300. The protection is protection for it, if:

someone uninsured hits me
someone crashes into me and drives off
if i drop it all by myself in the garage / scrape it on the wall or what ever

Works out at £1.50 a month, if i have to claim, i get the excess back
All will still bugger your insurance next year, to the point you won'y give a monkey's nipple about £300 ;)

Yep... But paying the £300 will too. Only way around it would be ... .. .... ... ... ....... .., which is illegal ::)
Title: Re: Amazing Insurance Renewal
Post by: Kevin Wood on 05 March 2010, 14:31:36
Ahh, that's better.
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 05 March 2010, 14:35:21
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<cough!> But, changing the subject. Isn't it a lovely day today?

Hmmm.... Perhaps I should modify my post :-/ :-/
Title: Re: Amazing Insurance Renewal
Post by: tunnie on 05 March 2010, 14:36:21
Sounded good on the phone  :-/

If some uninsured git crashes into me though, i get the excess back, so it pays for itself 10 fold  :-/

Hope weather tomorrow is just as nice  :)
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 05 March 2010, 14:45:32
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<cough!> But, changing the subject. Isn't it a lovely day today?
Sunny, lovely. Looks like rain.  Beautiful weather.


:P :P :P
Title: Re: Amazing Insurance Renewal
Post by: Kai on 05 March 2010, 15:30:38
speaking of amazing insurance myn went down £600 or so this year to £1800  :y :y
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 05 March 2010, 15:32:45
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speaking of amazing insurance myn went down £600 or so this year to £1800  :y :y
:o :o :o :o :o :o :o :o

I could insure mine over 4 times for that :o :o :o :o

I paid less than that aged 22 for a Fully comp trade policy... Mumble, mumbel, a few years back ::) ::)
Title: Re: Amazing Insurance Renewal
Post by: Kai on 05 March 2010, 15:36:17
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Quote
speaking of amazing insurance myn went down £600 or so this year to £1800  :y :y
:o :o :o :o :o :o :o :o

I could insure mine over 4 times for that :o :o :o :o

I paid less than that aged 22 for a Fully comp trade policy... Mumble, mumbel, a few years back ::) ::)

the joy's of being only 20 and wanting an omega  :(

Never mind it's worth it  :y :y
Title: Re: Amazing Insurance Renewal
Post by: Kai on 28 January 2015, 19:54:09
Is it me or is it dusty in here? just seen how much i paid for insurance a few years back in this post and bonus its gone down £1600 to £199  ;D
Title: Re: Amazing Insurance Renewal
Post by: ted_one on 28 January 2015, 20:08:43
Try this one......2001 Elite,max NCB,Advanced driver and less than 5000 miles a year with Insure Wiser. £9,540.05p with a £1000 excess. :o
Title: Re: Amazing Insurance Renewal
Post by: 05omegav6 on 28 January 2015, 20:13:03
Duck fat :o
Title: Re: Amazing Insurance Renewal
Post by: Kai on 28 January 2015, 20:14:31
YIKES!!!!! :-[
Title: Re: Amazing Insurance Renewal
Post by: ted_one on 28 January 2015, 20:17:55
Yupp!! bunch of snooty tossers,got it with Hastings for 181 smackers :y
Title: Re: Amazing Insurance Renewal
Post by: Kai on 28 January 2015, 20:19:24
What company wanted the first price?  :o
Title: Re: Amazing Insurance Renewal
Post by: The Sheriff on 28 January 2015, 20:45:25
What company wanted the first price?  :o
Ermmm....Insure Wiser?
Title: Re: Amazing Insurance Renewal
Post by: ted_one on 28 January 2015, 20:56:19
As STMO says...I guess it was their subtle way of telling me to bog off peasant :-X
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 28 January 2015, 21:40:43
Is it me or is it dusty in here? just seen how much i paid for insurance a few years back in this post and bonus its gone down £1600 to £199  ;D
Well,, that's more like it. But you're getting on a bit now, grandpa :P
Title: Re: Amazing Insurance Renewal
Post by: Kai on 28 January 2015, 21:48:24
Is it me or is it dusty in here? just seen how much i paid for insurance a few years back in this post and bonus its gone down £1600 to £199  ;D
Well,, that's more like it. But you're getting on a bit now, grandpa :P


Haha not even close TB, However a scary thought would be if I'm a grandpa where does that put you   :P ;D :D
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 28 January 2015, 21:51:24
Is it me or is it dusty in here? just seen how much i paid for insurance a few years back in this post and bonus its gone down £1600 to £199  ;D
Well,, that's more like it. But you're getting on a bit now, grandpa :P


Haha not even close TB, However a scary thought would be if I'm a grandpa where does that put you   :P ;D :D
To quote that pikey used car dealer who hangs around here, a "coffin dodger". Bastid ;D

And I'm guessing you're approaching mid 20s now ;)
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 28 January 2015, 21:53:36
BTW, Kai, you still in "Lower Beckley"?

That still makes me chuckle. So much so, we keep calling Cumnor Hill "Upper Botley" to piss of the people who live there ;D
Title: Re: Amazing Insurance Renewal
Post by: vauxsull on 28 January 2015, 21:55:57
I pay £204 fully comp with co-op with full ncd.. Wife added to it too.
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 28 January 2015, 21:59:19
I pay £204 fully comp with co-op with full ncd.. Wife added to it too.
My Bullet is £170. 20k miles pa, business use for both of us, fully comp, declared mods.

Ironically, the crap 2.0DTi Zafira is the most expensive to insure, and that's 10k miles pa, commuting only.
Title: Re: Amazing Insurance Renewal
Post by: vauxsull on 28 January 2015, 22:01:53
That's very good indeed.. I thought I had a bargain 😃
Title: Re: Amazing Insurance Renewal
Post by: Kai on 28 January 2015, 22:03:01
Yeah still here for all those bad sins I must of done in another life..... Glad after four years you still laugh about it  ;D :D

I'm sure at no point I will call you a coffin dodger  :y yep do you remember those mid 20's days?  ::)
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 28 January 2015, 22:06:08
Yeah still here for all those bad sins I must of done in another life..... Glad after four years you still laugh about it  ;D :D

I'm sure at no point I will call you a coffin dodger  :y yep do you remember those mid 20's days?  ::)
Jeez, you are joking, I can't remember what I did lunchtime!
Title: Re: Amazing Insurance Renewal
Post by: Kai on 28 January 2015, 22:08:29
But lower Beckley is stuck in your mind  :D
Title: Re: Amazing Insurance Renewal
Post by: Vamps on 28 January 2015, 22:45:07
Talk about dusty, I thought LD was back on................... :( :(
Title: Re: Amazing Insurance Renewal
Post by: henryd on 29 January 2015, 00:05:29
Talk about dusty, I thought LD was back on................... :( :(

Yep,me too :-\
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 03 February 2015, 15:01:57
Cough, Cough... Dusty here! ;) :D
Title: Re: Amazing Insurance Renewal
Post by: Entwood on 03 February 2015, 15:18:05
Cough, Cough... Dusty here! ;) :D

Bloody hell ... Welcome back stranger !!!!!!!  :y :y :y
Title: Re: Amazing Insurance Renewal
Post by: TheBoy on 03 February 2015, 17:55:36
Freck me, they're all coming out of the woodwork now.

Must have been the dust disturbance in this thread
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 03 February 2015, 18:32:32
I've had the odd lurk but just not really had much to discuss... The general feel in here (in general) has changed and, to be honest, real life has been far more demanding on my time! Business and parenthood have demanded lots of my time, surprisingly more the former!
Title: Re: Amazing Insurance Renewal
Post by: tigers_gonads on 03 February 2015, 18:45:33
I've had the odd lurk but just not really had much to discuss... The general feel in here (in general) has changed and, to be honest, real life has been far more demanding on my time! Business and parenthood have demanded lots of my time, surprisingly more the former!


How's the nappy changing going bud ?
How old is she now ?  :)
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 03 February 2015, 18:55:36
I've had the odd lurk but just not really had much to discuss... The general feel in here (in general) has changed and, to be honest, real life has been far more demanding on my time! Business and parenthood have demanded lots of my time, surprisingly more the former!


How's the nappy changing going bud ?
How old is she now ?  :)

She's nearly 14 months now. Nappy changing going well mate... A baby we didn't think we could have has been awesome!
Title: Re: Amazing Insurance Renewal
Post by: tigers_gonads on 03 February 2015, 18:59:42
I've had the odd lurk but just not really had much to discuss... The general feel in here (in general) has changed and, to be honest, real life has been far more demanding on my time! Business and parenthood have demanded lots of my time, surprisingly more the former!


How's the nappy changing going bud ?
How old is she now ?  :)

She's nearly 14 months now. Nappy changing going well mate... A baby we didn't think we could have has been awesome!



Has she got a train set or scale electric yet  ;D
Title: Re: Amazing Insurance Renewal
Post by: Lazydocker on 03 February 2015, 19:00:25
I've had the odd lurk but just not really had much to discuss... The general feel in here (in general) has changed and, to be honest, real life has been far more demanding on my time! Business and parenthood have demanded lots of my time, surprisingly more the former!


How's the nappy changing going bud ?
How old is she now ?  :)

She's nearly 14 months now. Nappy changing going well mate... A baby we didn't think we could have has been awesome!



Has she got a train set or scale electric yet  ;D

Not yet... But she's got an Omega ;)
Title: Re: Amazing Insurance Renewal
Post by: tigers_gonads on 03 February 2015, 19:06:06
I've had the odd lurk but just not really had much to discuss... The general feel in here (in general) has changed and, to be honest, real life has been far more demanding on my time! Business and parenthood have demanded lots of my time, surprisingly more the former!


How's the nappy changing going bud ?
How old is she now ?  :)

She's nearly 14 months now. Nappy changing going well mate... A baby we didn't think we could have has been awesome!



Has she got a train set or scale electric yet  ;D

Not yet... But she's got an Omega ;)



Good man  :y ;D
Title: Re: Amazing Insurance Renewal
Post by: henryd on 03 February 2015, 23:49:04
Nice to see back LD,even if its briefly :y