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[hotel21]

Mrs H21 just bought another car (Ford Fusion 1.6 CDTi - her choice, certainly not mine!) and been doing the rounds of comparing ins quotes.

She has 9 years plus no claims to her credit, no claims or convictions, and we want myself and the two kids (27 and almost 25!!) on the policy so that we have a 'hospital' car available, should one or other of our respective cars be in dock at some stage.

Now my son has an SP30 gained in 2007 whilst doing almost 70 in a 60 in his (then) Metro and is a few months short of being 25.

What amazes us thus far is the varience in quotes.  Cheapest is circa £440 from the Admiral/Elephant/Diamond bunch (who are the same company anyway) through a bunch of companies I have never heard of in the £5-600 bracket, up to a grand plus.

SAGA wanted £550 or so (but not with my son on the policy) and even Ford Insurance themselves wanted £700.

I realise there are introductory rates and all that but it is a fair old difference for what is, in effect, a granny bus!!   

[Andy B]

....

Now my son has an SP30 gained in 2007 whilst doing almost 70 in a 60 in his (then) Metro and  .....

He got points for that? He should have got a pat on  the back for braving 70mph in a Metro     


It amazed me the diference in price for SWMBO similar bog standard 1600 Astra.
Admiral insured my 20yr old daughter for about 6/7 months to the end of the policy on her Mum's Astra for £160. This year, another company, they want £350 for a similar period (for said daughter to use to go to Glastonbury) on my crappy Astra TD

[PhilRich]

Insurance is a minefield isn't it?
Mind you, they could never be accused of operating a price fixing Cartel could they!!!!

[pscocoa]

I am happy with Admiral bunch - what is quote from them if you drop son off policy quote? then make him pay difference if he wants to drive it

[Elite Pete]

I've just taken out a traders policy due to the fact I spent nearly £200 on on day insurance policies last year and my own insurance is £250 per year. The first quote I got was almost £600 but the more insurance companies you speak to the lower the quote was becoming, each wanting to beat the previous quote. I ended up paying £353.90 with Liverpool Victoria so i've saved a few bob

[hotel21]

I am happy with Admiral bunch - what is quote from them if you drop son off policy quote? then make him pay difference if he wants to drive it

The addition of my son and his SP30 adds about £200 to the quote.  If I remove him from the equation and increase the voluntary excess from zero to £100 then the best quote is just over £200.

Not done the playing one against the other bit so far....    

Will chat it over but it looks like he will not be on the policy and, if he needs the car, then he will have to do the day/week insure bit.   

[Andy B]

.... and, if he needs the car, then he will have to do the day/week insure bit.   

Admiral quoted me/daughter £35 a week to add her.