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Author Insurance question:
Ingham
Banned

Registered: 9th May 08
Location: Burnley, Lancashire
User status: Offline
16th Mar 10 at 14:52   View User's Profile U2U Member Reply With Quote

I'm 19, with 3 points and no NCB trying to find a decent insurance price for an X16 Sport when I next buy a car. My insurance has dropped considerably from the insurer wanting £4400 (last year for GSi) to £2100 for a Sport (3PF&T and points declared). Is this WAAAAAAY too much or does it sound about right?

What were/are you paying at my age to insure a Sport?
Adam_B
Member

Registered: 13th Dec 00
Location: Lancashire
User status: Offline
16th Mar 10 at 15:08   View User's Profile U2U Member Reply With Quote

Surely that more than the car is even worth?!
P1CK4D
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Registered: 19th Jun 06
Location: Around Essex Somewhere
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16th Mar 10 at 15:21   View User's Profile U2U Member Reply With Quote

At 19 I had a 2ltr GSi Corsa and was paying £1200 for insurance
Ingham
Banned

Registered: 9th May 08
Location: Burnley, Lancashire
User status: Offline
16th Mar 10 at 15:22   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Adam_B
Surely that more than the car is even worth?!


Indeed, which is why I'm trying to get it down somehow.

How do people get these tiny quotes? I'd love to know..
R Lee
Member

Registered: 15th Aug 03
User status: Offline
16th Mar 10 at 15:24   View User's Profile U2U Member Reply With Quote

Fuck me, thats a lot for insurance
Perhaps you should do some more shopping around.
Ingham
Banned

Registered: 9th May 08
Location: Burnley, Lancashire
User status: Offline
16th Mar 10 at 15:31   View User's Profile U2U Member Reply With Quote

I've shopped about a hell of a lot bud. Been on every comparison site, been on Quinn's site as I heard they were quite good, Direct Line, Young Drivers all over!
R Lee
Member

Registered: 15th Aug 03
User status: Offline
16th Mar 10 at 15:43   View User's Profile U2U Member Reply With Quote

Adrian Flux?
HIC?

They were great with me when I had an XE Corsa.
Adam_B
Member

Registered: 13th Dec 00
Location: Lancashire
User status: Offline
16th Mar 10 at 15:44   View User's Profile U2U Member Reply With Quote

Dont bother with websites, your better phoning people up. I know its a pain in the arse but you cant haggle with a website.
Ingham
Banned

Registered: 9th May 08
Location: Burnley, Lancashire
User status: Offline
16th Mar 10 at 15:46   View User's Profile U2U Member Reply With Quote

That's true Adam.. a friend just tried insuring an MR2 and got quoted £2000 down the phone, yet they kept phoning back and eventually got it down to £1600..
Pip308
Member

Registered: 25th Oct 07
Location: Basingstoke Drives: Audi A4 Avant, Mk1 Caddy
User status: Offline
16th Mar 10 at 15:46   View User's Profile U2U Member Reply With Quote

i was 20 with 6points and No NCB paying £1300 on a 1ltr with a 1600 declared in it if that helps at all?
Pip308
Member

Registered: 25th Oct 07
Location: Basingstoke Drives: Audi A4 Avant, Mk1 Caddy
User status: Offline
16th Mar 10 at 15:47   View User's Profile U2U Member Reply With Quote

thats was with flux iirc
Ingham
Banned

Registered: 9th May 08
Location: Burnley, Lancashire
User status: Offline
16th Mar 10 at 15:48   View User's Profile U2U Member Reply With Quote

I may try Flux then as I'm 20 within the next couple of months.
shaunmods
Premium Member

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Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
16th Mar 10 at 15:59   View Garage View User's Profile U2U Member Reply With Quote

19, 2NCB, year and a half driving experience, corsa 1.0 with x16xe conversion £1200 TPFT. Thats with HIC if thats any help
davevans1234
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Registered: 3rd May 09
Location: Pontlottyn, Caerphilly
User status: Offline
16th Mar 10 at 16:17   View User's Profile U2U Member Reply With Quote

flux direct mate thats the cheapest one i found
Ingham
Banned

Registered: 9th May 08
Location: Burnley, Lancashire
User status: Offline
17th Mar 10 at 18:39   View User's Profile U2U Member Reply With Quote

Thanks lad, appreciated.
am4nf
Member

Registered: 27th Jul 08
Location: South Ayrshire Drives: Corsa Sport
User status: Offline
17th Mar 10 at 18:40   View User's Profile U2U Member Reply With Quote

Its because you have no years no claims
Richardhhha
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Registered: 29th Sep 07
Location: Croydon, Greater London
User status: Offline
17th Mar 10 at 19:19   View User's Profile U2U Member Reply With Quote

and because insurance has taken a hike these last few months. Im getting quotes of 1k on a 1.8 civic ffs will be 25 with 4yncb
Jack1.6valver
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Registered: 4th Jan 08
Location: Fife
User status: Offline
17th Mar 10 at 19:45   View User's Profile U2U Member Reply With Quote

Depends on where you live to and whether you've had a fault or non fault accident,according to some insurance companys if you've had a non fault accident,your more likely to have a fault accident. . . . . . . . . . dont know where the logic is in that tbh!
shaunmods
Premium Member

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Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
17th Mar 10 at 20:07   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Jack1.6valver
Depends on where you live to and whether you've had a fault or non fault accident,according to some insurance companys if you've had a non fault accident,your more likely to have a fault accident. . . . . . . . . . dont know where the logic is in that tbh!


Really is daft about the non fault accidents isn't it! I've had 2 that weren't my fault and it was bumping the quotes up over £300

Edit: Job title can make a big difference as well.

[Edited on 17-03-2010 by shaunmods]

 
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