VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
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quote:
Originally posted by Brett
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.
 you obviously did 10k miles on the track
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Can't see how the mileage as insured can be measured by the odometer, most of my cars get driven by other people on their policies.
If I declared my own mileage plus other people's, and they all did, everyone would be declaring too much.
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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I thought this. My landy was on limited milage, but i could drive any other motor and they would have no idea what milages i was actually on the road. Backwards 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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Oh and for future reference lower your excess lowers it too, which is weird.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Also if for example if you said you have your car at 10k pa, and I'm going to use it for 1k, do you declare 10k or 11k? Because if declare 11k then you're technically covering me on your policy - which means its insured twice as I'm insured to drive other cars.
Same as my mate, he has comp SDP on his traders, he's not declared as part of mine as it would be completely redundant, but they're making out like he'd need to be?
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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Declare the 1k you do in your car. They cant prove what you drive in someone elses
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Stick 1000 and they'd probably pay you to insure your car
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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It'll be cheaper, but not as much as you'd think
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Whittie
Member
Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
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Was curious... went down to £302.85
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Gaz
Member
Registered: 24th Aug 03
Location: Widnes, Cheshire
User status: Offline
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quote:
Originally posted by Ian
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.
I'd suggest it's something also to do with the way crime has changed now and the fact the scum bags come through your front door to rob the keys rather than just take the car on it's own. I understand that the car insurance only cares about the car and not the house but I do wonder if it's linked in somehow.
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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your occupation messes with it. Students are higher than a management position for example.
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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quote:
Originally posted by Gaz
quote:
Originally posted by Ian
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.
I'd suggest it's something also to do with the way crime has changed now and the fact the scum bags come through your front door to rob the keys rather than just take the car on it's own. I understand that the car insurance only cares about the car and not the house but I do wonder if it's linked in somehow.
If your car is on the drive or in the garage chances are they know that the car keys are inside. A Terrace street where the car could belong to 20 different houses is in certain eyes, less risk.
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WukaChop
Member
Registered: 9th Apr 13
Location: Birmingham
User status: Offline
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Mine went down £120 when I told them the location of the car was in a different postcode to my house - Which it is. Odd.
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Generation
Member
Registered: 7th Jul 09
Location: Essex
User status: Offline
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quote:
Originally posted by WukaChop
Mine went down £120 when I told them the location of the car was in a different postcode to my house - Which it is. Odd.
Why would you not start with the address where the car is kept, in the first place
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WukaChop
Member
Registered: 9th Apr 13
Location: Birmingham
User status: Offline
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Because I got a bigger garage while I was still finding quotes, but the garage is the other side of the street, which is a different postcode
[Edited on 17-06-2013 by WukaChop]
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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£70 cashback on Dad's new Aviva policy through Quido!
Which means his 120d is insured for £170 a year!
Mind you, submitted 9 years proof of no claims. Get a letter saying they have received and it is 5 years.
Apparently 5 is the most they give but they keep a record of 9 if you move on.
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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quote:
Originally posted by Toby
your occupation messes with it. Students are higher than a management position for example.
Yeah being in the motor trade puts it up unfortunately. Or did for me anyway.
Mines down as panel beater, where as if I said metal worker (which is sort of right :lol it goes down.
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chrex
Member
Registered: 26th Aug 07
Location: Brawdy/Wirral
User status: Offline
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quote:
Originally posted by WukaChop
Mine went down £120 when I told them the location of the car was in a different postcode to my house - Which it is. Odd.
Yea, my policy is registered to Pensby, but i'm based in Brawdy, Pembrokeshire. They have no issues with this. Meh, insurance is a proper blag!
Brentacre explained things to me when i rang them up to get them to match my renewal to Greenlight. Apparently the industry is - and i quote - 'on its arse'. They matched it though, and that was a £320 drop from my original quote. Renewals are calculated by the system judged on (amogst other things) current market value of car and risk of current climate apparently. Thats why its important to speak to someone - and why specialist companies can be better than the 'boggo' ones.
Figures are plucked from the air though!...
[Edited on 19-06-2013 by chrex]
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Ste
Premium Member
Registered: 5th Mar 03
Location: Taif, Saudi Arabia
User status: Offline
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quote:
Originally posted by Jay
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.
Cheers,
In future, i'll do all my swapping and changing under an alias name and email until i get it cheapest then redo it using my name and email. winner
I would rather lose by a mile because i built my own car, than win by an inch because someone else built it for me.
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nibnob21
Premium Member
Registered: 16th May 10
Location: South Derbyshire
User status: Offline
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The thing that makes the biggest difference for me was adding my Mum and Dad as named drivers on the policy. Completely legal as I'm still the main driver. Dropped my premium from about £350 to about £200.
MX5 Project Thread
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Would make me feel like a bit of a child tbh.
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nibnob21
Premium Member
Registered: 16th May 10
Location: South Derbyshire
User status: Offline
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quote:
Originally posted by Brett
Would make me feel like a bit of a child tbh.
So you'd rather spend the extra £150? 
MX5 Project Thread
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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i had my mum and gran on mine, 3k miles a year, fully comp and parked on the street, got my Sri c for £380. took my grandma off it added £100, mum off another 50, and driveway or garage another 50.
[Edited on 20-06-2013 by LeeM]
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Fonz
Premium Member
Registered: 12th May 06
Location: Newbury, Berks
User status: Offline
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quote:
Originally posted by Ian
Also if for example if you said you have your car at 10k pa, and I'm going to use it for 1k, do you declare 10k or 11k? Because if declare 11k then you're technically covering me on your policy - which means its insured twice as I'm insured to drive other cars.
Same as my mate, he has comp SDP on his traders, he's not declared as part of mine as it would be completely redundant, but they're making out like he'd need to be?
to take this a stage further what about driving when not on a public road, ie a track.
last month i drove round Rockingham for the best art of three hours or more covering more than 200miles
a small drop in the ocean perhaps but never the less this is mileage on the car where i am not insured and therefore not covered by the insurance policy thus not relevant miles??
i dont trackday very often, and even less so an open pit lane, but for those who do in their daily drive/road legal car they must easily be putting 1000-2000 or more miles a year on....
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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quote:
Originally posted by Ste
quote:
Originally posted by Jay
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.
Cheers,
In future, i'll do all my swapping and changing under an alias name and email until i get it cheapest then redo it using my name and email. winner
I alway do all my initial quotes with fake details.
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