Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Well, not cheat... but ways to make it cheaper?
Was sent my renewal and it went up £80 this year to £610 which is weird, so had a play about and got it down to £520.
What questions can you alter to lower it?
Put it in a locked garage and it went up £200  
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Get a limited mileage policy and keep winding the clocks back on your car
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Insurance is a load of crap isn't it!
Make my car safer by locking it in a garage at night and it suddenly goes up £200? How do they justify that
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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I've always thought that was BS. Seems cheaper to have it parked on the street over a driveway too. Was told it was something to do with it not being apparant which house the car belonged too or somethin like that.
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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cheaper to park it on the road than a driveway and in turn a garage.
Added my Mum to the policy and adding business insurance knocked a bit off too.
[Edited on 17-06-2013 by LiVe LeE]
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Just lowered excess from £500 to £200 and its gone down another £30!
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Quotes for fully comp are often cheaper than TPF&T with the same company too 
[Edited on 17-06-2013 by Brett]
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Quinn Direct have come in with £9,800 - Tempting...
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Raised the value of my car and it dropped another £10....
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JonnyJ
Member
Registered: 23rd Sep 05
Location: Scotchland
User status: Offline
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I just play with annual mileage. Said i was going to do 5000 in my old Astra. Did 15,000. Nowt happened except i saved about £300 over 2 years
[Edited on 17-06-2013 by JonnyJ]
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Raised the value another £1000.... down another tenner
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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And again...!
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by JonnyJ
I just play with annual mileage. Said i was going to do 5000 in my old Astra. Did 15,000. Nowt happened except i saved about £300 over 2 years
Usually you have to do a mileage declaration tho. I don't imagine it would be a problem unless you had to claim when the mileage was over.
I've often wondered tho if you could just claim the car is used by someone else also, i.e. not you doing the mileage.
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Okay so my car is now worth 9k, when its really about 3500/4k..... but its down to £430 now
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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quote:
Originally posted by Whittie
Make my car safer by locking it in a garage at night and it suddenly goes up £200? How do they justify that
Because a lot of people lie and say their car is in a locked garage, then claim, then the stats for that group of people gets worse.
Been a few cases on here where its cheaper to declare it on the street.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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quote:
Originally posted by Whittie
Okay so my car is now worth 9k, when its really about 3500/4k..... but its down to £430 now
I went for a 95/N 1.2 Corsa to a 98/R 1.2. Same power, same security, same brakes, cheaper because it was worth more and therefore going to be looked after better, apparently more difficult to steal, and less likely to be written off.
Daft thing is with yours they'll only pay out market value.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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One trick I found very strange was...
Have the registered owner of the policy address as a lovely postcode, somewhere in the middle of no where in Scotland for example, BUT say that the vehicle is kept overnight at a different address, your actual one. Difference was mega  Yet technically the car was at exactly the same risk.
So, in short, if you know someone that lives in a lovely low crime area, register the policy there but say the car is kept overnight at your home address 
[Edited on 17-06-2013 by Brett]
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Went from 12,000 miles to 14k and reduced it about £5
Tried the JonnyJ method and its reduced it nearly £80... policy is now at £349
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Root
Member
Registered: 28th Dec 08
User status: Offline
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quote:
Originally posted by Whittie
Insurance is a load of crap isn't it!
Make my car safer by locking it in a garage at night and it suddenly goes up £200? How do they justify that
If somebody was to damage the garage to get to your car, they'd have to pay for that too.
They're also more aware people lie these days. Comprehensive always works out cheaper than TPFT or TP for me too. If somebody will let you, add an older driver to your policy as a named driver, so long as it doesn't disrupt their no claims on their own policy, that sometimes makes it go down. Finding an alternative job description can decrease it (as long as it's still describing your job).
Tinker about with it to get it cheapest, as long as it's all true
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JonnyJ
Member
Registered: 23rd Sep 05
Location: Scotchland
User status: Offline
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quote:
Originally posted by Brett
quote:
Originally posted by JonnyJ
I just play with annual mileage. Said i was going to do 5000 in my old Astra. Did 15,000. Nowt happened except i saved about £300 over 2 years
Usually you have to do a mileage declaration tho. I don't imagine it would be a problem unless you had to claim when the mileage was over.
I've often wondered tho if you could just claim the car is used by someone else also, i.e. not you doing the mileage.
Aye, tbf i was massively taking the piss with that one, was at uni and money saving as much as i could , but i always go under what i think I'll do by at least 3/4k, its an estimation and im pretty sure you'd be fine if you were within 1/2k of your declaration when you took out the policy.
Changing it by a few thousand here and there can save a decent amount, especially if its a high premium to begin with.
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JonnyJ
Member
Registered: 23rd Sep 05
Location: Scotchland
User status: Offline
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quote:
Originally posted by Whittie
Tried the JonnyJ method
Yes  I have a method named after me. Quite proud, even if it is a method of insurance fraud
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Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
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Be careful with this, I done these "tricks" to get it down and took it out, a week later got an email saying it was cancelled, rang them up and they said there's so many discrepancies in the insurance, why did I do so many quotes to say kept in garage, drive and street, why job change from labourer to gardener (I do both as one job) why different mileage etc etc
Paid a deposit and not even getting half of it back and they won't insure me now, rang another one and it says it's in the database I've had insurance cancelled or refused and wouldn't quote me. Just be weary when doing loads of online quotes.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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quote:
Originally posted by JonnyJ
quote:
Originally posted by Whittie
Tried the JonnyJ method
Yes I have a method named after me. Quite proud, even if it is a method of insurance fraud
JonnyJ method GTF
As it's worded
quote:
"I declare that the mileage record covered by the above vehicle will not exceed X miles during the duration of the policy.
I hearby confirm my understanding, that if the mileage limitation is exceeded, the Underwriters reserve the right to apply additional terms (i.e. additional Excess of Premium) to reflect their increased exposure and/or repudiate any future claim"
Do it at risk imo.
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Done everything true bar the value which is 3k over what its worth, added old man on as a named driver, £375... sorted! Mileage 15,000, parked on drive.
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Also £35 cashback from quidco... and a gay meerkat
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