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[bigegg]

Looking at quotes for me + mrs Egg -
large(ish) engined auto estate, and around 1500
she likes the renault laguna - either the 1.9 diesel, or the 3.0 24V (for me)
obviously, I want a mig - either elite or MV6

so I've been playing with the usual "confused about the meekats" websites

I'm getting quotes of around 1500 a year for a laguna, and 1100 for a mig.
(Mrs egg is auto-only learner)

BUT...
what really confuses me...
why is a laguna (whether the 3.0 or 1.9D) more to insure, *significantly more* - like 40% more, than a 3.2 MV6?

Why is a 2.5 Elite more than a 3.0 elite? (about 100 quid)
Why is a 3.2 MV6 *less* than a 3.2 elite? (not huge amount, about 30 quid)

I'm guessing the MV6 is safer due to the sports suspension, which could make a small difference, and the 3.0(3.2) is cheaper than the 2.5(2.6) due to what I call the "engine size paradox" [1], but why would a laguna of comparable age and power cost so much more than the mig?
answer's other than "cos it's french, and shite", please 


[1] The engine size paradox - take an average 1.1 "beginner's car" - bought because learner thinks it's easier to control, so less chance of accident -  chances of crashing in 5 yrs? 99.9%.
Compare to 4.0 Jag driven by 40-50 y/o managing director with 20 years driving experience. chance of accident? 0.1% in 5 years.
Therefore bigger engine = less risk

[Kevin Wood]

but why would a laguna of comparable age and power cost so much more than the mig?
answer's other than "cos it's french, and shite", please

I'm going to bite, I'm afraid.

Danger of parts falling off and striking passing pedestrians and other motorists?
Danger of spontaneous combustion?

But.. the real answer.. Insurance companies are a law unto themselves and it's a waste of time trying to attribute any logic to their utterances.

[bigegg]

lol.
I don't care really, cos it means a mig is 40 quid a month cheaper than a laguna -
and that's an extra half quarter tank of petrol :.)

[ronnyd]

I wouldn,t have a Renault if it was given to me. I,d sell it on though (i,m not that well off).

[slowboy]

real answer.cost of repair ,market value,post code.

[bigegg]

real answer.cost of repair ,market value,post code.

I was getting quotes for approximately equal value cars + obviously same postcode.
Do lagunas cost that much more to repair than a Mig?

I'm beginning to think it's french cars - just got a quote for a renault 2.0 RX4, and that's 400 more than a 3.2 mig, as well 

[Lizzie_Zoom]

real answer.cost of repair ,market value,post code.

Yes, that is it in one

From what I have heard it is a case of Renault parts being hard to get, expensive, and in some cases very difficult to fit.  That is only what I have heard, but on a number of occasions. The insurance companies must be aware of that as they end up trying to cover the costs of repairs, which they must pass on to the owners of such cars.

Buy German, or top quality British (that means the same thing I suppose!) cars and you cannot go far wrong.  That is why the miggy was, and still is, so good.  German engineering!

[bigegg]

Buy German, or top quality British (that means the same thing I suppose!) cars and you cannot go far wrong.  That is why the miggy was, and still is, so good.  German engineering!

that's an easy decision for me...

Unfortunately mrs egg is more interested in "looks" than practicality.
Otherwise I'd just buy a volvo.