Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Craig_R on 05 January 2008, 12:09:52
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Just had my insurance renewal and i am not happy
I am 33 and held my licence for 6 years and have 6 years no claims which equals 65% off and for 3rd party fire and theft and i have mileage of 6000 a year which i still dont hit :o :o i have still been quoted £342 which i think is way too high.
What insurance companies are members on here with so i can phone around as i want to go fully comp and last time i asked my insurer it was a crazy price of over £900
Thanks
Craig
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don't phone - use confused.com first, its saves me money year on year. I'm currently with the post office £280 fully comp. (and I got another £50 cash back first year with them). Then, when you have your lowest quotes, if you want to go with a particular insurer, ring them and ask them to meet your lowest quote. 9 times out of 10 they will come pretty close. In fact, ring your current insurer and ask to be put through to the retention dept and tell them you'll leave unless they knock £100 - it does work.
good luck, Pat (don't forget to tell us how it panned out)
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I use privilge, just been quoted £299 fully comp, I am 37 been driving for 20 years and have max NCD
don't forget some of that insurance loading will be due to your postcode as well
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LPG is adding on over £100 with Fartis >:(
I am shopping around but only have 2 years NCD
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I did phone my insurer Prudential and went mental at them as i checked last years amount with nothing changing apart from another years clean driving it had gone up by 40 quid after a long chat he said he would knock off one months charges so go it down to 311 big deal its still higher than last year. so asked for fully comp and that was 544 which is not to bad but still bad.
Told them i would have to ring around other companies and i was asked to phoned back when i had gotten other quotes which i will
Oh forgot to say i am parked on the road not on my own land or in a garage which i know bumps it up.
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Got quoted 300 fully comp by Elephant this year. Then told them about the unresolved claim that was in progress and it went up to 400. >:(
Claim now resolved in my favour so we'll see if they give me a refund. I'm not holding my breath :(
That's at 37, 20 yrs driving, full NCD.
Shopping around and moving regularly is the key, IMHO. Long waits on the phone, gimmicks and the like are across the board nowadays so may as well just go for the lowest premium.
Kevin
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LPG is adding on over £100 with Fartis >:(
I am shopping around but only have 2 years NCD
so there's a Gas connection??
i got mine thru confused.com
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LPG is adding on over £100 with Fartis >:(
I am shopping around but only have 2 years NCD
so there's a Gas connection??
i got mine thru confused.com
Same here, use it every year and save a fortune :y
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LPG is adding on over £100 with Fartis >:(
I am shopping around but only have 2 years NCD
so there's a Gas connection??
i got mine thru confused.com
I tried it on the internet then phoned up for details - went up by about 110 120 when I mentioned LPG, they phoned up Fartis to ask - and I am with them already.
I would never use Poodential after an issue with them nearly 20 years ago
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I have been with my Insurance company 5 years now, the cost has gone down from year to year, i pay now, due to the no claims system here only 30% of the normal price, which is 310 pound for fully comp.
Plus i have a thing called no claims protection, which costs me no extra, and means that i can have one accident per year (my Fault) without loosing my no claims bonus. :y
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I was with More Than, now gone swiftcover.com, nearly £110 cheaper..
2000 3.0 MV6 full com, £182, I have max NCB and clean Lic'y.
Chris.
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some companies will protect no claims for 3 at fault claims
someone i know had an accident and ended up losing his no claims after his wife had "used a life" when she closed the automatic garage door onto the roof of their brand new top end Laguna :D
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Well just checked Confused place and elephant.com came back at the cheapest at £218 3rd party and £345 fully comp when Pru wanted £544
thats 200 quid saving i know who ill be calling.
Thanks everyone for the input :y :y
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I've just done all this for SWMBO's car. Swiftcover.com was by far the cheapest.
WHO? Apparently they are part of Axa, but everything is done on-line. Compared to some of the prices people are emntioning for their Omegas we must live in an expensive-to-insure area. The best quote is £236 inc legal cover & protected NCD for a 40 something woman with no points, on a 1600 Astra.
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I've just done all this for SWMBO's car. Swiftcover.com was by far the cheapest.
WHO? Apparently they are part of Axa, but everything is done on-line. Compared to some of the prices people are emntioning for their Omegas we must live in an expensive-to-insure area. The best quote is £236 inc legal cover & protected NCD for a 40 something woman with no points, on a 1600 Astra.
Didn't you know Bolton is one of the car crime "hot spots" of the country mate.
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I've just done all this for SWMBO's car. Swiftcover.com was by far the cheapest.
WHO? Apparently they are part of Axa, but everything is done on-line. Compared to some of the prices people are emntioning for their Omegas we must live in an expensive-to-insure area. The best quote is £236 inc legal cover & protected NCD for a 40 something woman with no points, on a 1600 Astra.
Didn't you know Bolton is one of the car crime "hot spots" of the country mate.
I don't live in Bolton though ;) just next door! Mine's a BL8 post code. ;D ;D ;D ;D
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I've just done all this for SWMBO's car. Swiftcover.com was by far the cheapest.
WHO? Apparently they are part of Axa, but everything is done on-line. Compared to some of the prices people are emntioning for their Omegas we must live in an expensive-to-insure area. The best quote is £236 inc legal cover & protected NCD for a 40 something woman with no points, on a 1600 Astra.
Didn't you know Bolton is one of the car crime "hot spots" of the country mate.
I don't live in Bolton though ;) just next door! Mine's a BL8 post code. ;D ;D ;D ;D
Still a Bolton post code though.
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Jebus thats bad!!! Think I got a good one...
26 years old
TPFT,
6 Points,
retook test in 2004 due to the 2 year rule thing from upgrading from provisional to full (originally passed 2000)
2 years NCB
...
£540 (reckon its not a bad price tbh)
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One thing you can do is to push the voluntary excess up this will reduce your premium a lot. My typical view is push it up to the maximum you can afford if you are unfortunate enough to claim. No point paying for insurance when you can pay that part of the claim yourself.
You may also find that fully comp is as cheap because some of the big insurers (esure for example) do not offer TPF&T i think.
Consider restricted mileage as well and possible adding SWIMBO could take the premium down (logic is that 'married' people are less likely to take risks
I'm paying £280, with 20 years driving experience, claim free and SWIMBO as a learner on the insurance as well. Fully comp
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some companies will protect no claims for 3 at fault claims
someone i know had an accident and ended up losing his no claims after his wife had "used a life" when she closed the automatic garage door onto the roof of their brand new top end Laguna :D
protected no claims discount is a con in my opinion. Think of it like this. you are mister insurance company and your customer has just claimed. he comes to ask you for a renewal. You reckon that he should get say a NCD of 30% because he has claimed (on a premium of £1000, so you want to quote £700. Now this chap has paid you decent money to protect his NCD so you as nice mister insurance company say. 'as you have protected NCD you will still get a 50% discount. The premium before discount is £1,000 so after your protected NCD the premium is £700.
Result is that the customer thinks he's got a good deal by protecting his NCD but actually the insurance company has just been making more profit from him.
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I did confused.com & got tpft for £170. 44 yrs young, full no claims 9 HGV points (which i declared) some come off now but thought that was pretty good.
Sorry, that was with budget ins. :y
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some companies will protect no claims for 3 at fault claims
someone i know had an accident and ended up losing his no claims after his wife had "used a life" when she closed the automatic garage door onto the roof of their brand new top end Laguna :D
Which is why you should never buy a Laguna! ::)
protected no claims discount is a con in my opinion. Think of it like this. you are mister insurance company and your customer has just claimed. he comes to ask you for a renewal. You reckon that he should get say a NCD of 30% because he has claimed (on a premium of £1000, so you want to quote £700. Now this chap has paid you decent money to protect his NCD so you as nice mister insurance company say. 'as you have protected NCD you will still get a 50% discount. The premium before discount is £1,000 so after your protected NCD the premium is £700.
Result is that the customer thinks he's got a good deal by protecting his NCD but actually the insurance company has just been making more profit from him.
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Not long renewed both of ours, bell came out cheapest from confused.com each time...
BUT
they rang me (on my policy) 10 mins after confused quote, I said still not cheap enough, they knocked another load off, I signed up.
for her's I rang them, said what can you do, got it cheaper again :y
I pay £260, she pays about £300 (on the smaller meega hehehehehe)
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My Parnter renewed her policy last time with Shella's Wheels, you know the one for Women only driver's. We normally put each other on our Policies for obvious reasons. She went through the quote with just herself as a driver to see how it would cost, cant remember the figure but it wasn't that bad, she then asked the question? how much more would it cost to add me as additional driver?
The quote was reduced a masive £75!.. just by adding me, whats that all about!.. Women only policy's ???
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Got mine sorted through a comparison site, 6 points 7 years ncd on a 2.5 v6 elite and I'm paying £330 fully comp...age 39
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Not long renewed both of ours, bell came out cheapest from confused.com each time...
BUT
they rang me (on my policy) 10 mins after confused quote, I said still not cheap enough, they knocked another load off, I signed up.
for her's I rang them, said what can you do, got it cheaper again. :y
I pay £260, she pays about £300 (on the smaller meega hehehehehe)
Last year I had a £250 quote from Bell via Confused but after confirming details over the phone (no changes) it became £309, so stuck with Esure at £279.
Due next month again ::)
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I got a quote from an ins co through confused. Their written quote was very cheap but looked like it had been written by a nine-year-old. I declined it and went with Norwich Union Direct. Only £35 dearer.
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im with hastings direct,last year was about 240 fully comp but they put another 60 quid on this year because i hired a van with a high roof and drove it under a low bridge and took the roof off! :-[
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also try"autotrader"" website click on " get a quote" i ended up with a trade policy naming my elite v6 as my main car and able to cover any other vehicles in my care or property, usefull if you buy and sell . £380 full comp no hassle :y
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im with hastings direct......
They seriously p***ed me off the other year when despite me phoning them to NOT 'continuously insure' SWMBO's car - they did! >:( I'd already gone else where. Then they tried to bull sh1t me! >:(