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[sara1983]

can any body recommend a good insurance company for my 3.2 elite 2003, although im nearly 40 arghhhhh!!!! i have no ncb as its on my van 9+years ,im getting silly quotes, some as much as £700+

[Entwood]

I'm with "Elephant"  also have a 3.2 but full protecetd NCB, wife as named driver.. and she wrote a car off 4 years back

I have 1 speeding count and the LPG / Bodykit modifications as well ..

£300 renewal back in May

[rustym95]

well have you try'd finsure im with them and mine is £210 year but I have 15years NCB.

[jonathanh]

I'm with swiftcover £220. 

Three things you can do to reduce the premium

1. increase the voluntary excess.  my excess if £700.  Why?  I buy insurance to cover the things I cannot pay for not the things I can.  If i cause a few hundred quid damage I'm going to pay it direct and not claim (else they write the car off) .  however if I get a massive claim (god forbid for loss of life by killing someone or medical expenses - i'm covered)

2. restrict your mileage if you can

3. take all those crappy add ons off the quotes.  protected NCD is a total con.  they protect your discount but if you have an accident, they increase the premium before discount so you pay the same...