Whats everyones insurance - The definative thread - Page 2

Sussex75 · 18th February 2011, 08:21

What car are you insured on? 2002 1.8T Rover 75 Connie SE
What company are you insured with? Aviva
What is your insurance costing you? £495
What age are you? 33
What gender are you? Male
What country/area do you live? Sussex
How many years ncb? 1 (only held license for a year)
Is it protected? No
Car value? £3000
Whats the mileage limitations? 10,000
Any policy restrictions / benefits? None
Fully comp / third party etc? Fully Comp
Penalty points? Nil
Declared mods? None
Excess: £250

NikTheGeek · 18th February 2011, 09:14

Just a quick point. I notice a few posts with 23 years or 40 years NCB!! I had this argument with my insurance and if you put anything down other than 9, you have to be able to prove it by way of a statement from your previous insurer saying, for example, you have 20 years NCB. Since no insurer does that (the max is usually 9) they will declare your insurance invalid!

Nick

Richard Garner · 18th February 2011, 10:12

What car are you insured on? MG ZT-T CDT
What company are you insured with? RAC
What is your insurance costing you? £1390.70 (No really, this was the cheapest )
What age are you? 20
What gender are you? Male
What country/area do you live? Lincoln
How many years ncb? 3
Is it protected? No (Needed 4 years)
Car value? £5000
Whats the millage limitations? 7000 p/a
Any policy restrictions / benefits? Break down cover
Fully comp / third party etc? Fully Comp
Penalty points? No
Declared mods? No

karl_683 · 18th February 2011, 12:46

What car are you insured on? 2000 Club 2.5
What company are you insured with? Aviva
What is your insurance costing you? £550
What age are you? 23
What gender are you? M
What country/area do you live? England/Peterborough
How many years ncb? 4
Is it protected? No
Car value? 2500
Whats the millage limitations? <10000
Any policy restrictions / benefits? NO
Fully comp / third party etc? Fully Comp
Penalty points? No
Declared mods? None

IainThornton · 18th February 2011, 12:53

this does make me feel more confident about my forthcoming quotes

Lovejoy · 18th February 2011, 13:34

What car are you insured on? 2001 CDT 2.0 Connie
What company are you insured with? Axa
What is your insurance costing you? €550
What age are you? 36
What gender are you? M
What country/area do you live? Ireland/Wicklow
How many years ncb? 5
Is it protected? Yes
Car value? €3500
Whats the millage limitations? None
Any policy restrictions / benefits? NO
Fully comp / third party etc? Fully Comp
Penalty points? Yes, 1
Declared mods? Aftermarket led lights, which I removed after about a week casue they were horrible

sikelsh · 18th February 2011, 15:17

What car are you insured on? Rover 75 2.0CDT
What company are you insured with? Swiftcover
What is your insurance costing you? £725
What age are you? 36
What gender are you? Male
What country/area do you live? South Yorkshire
How many years ncb? 1
Is it protected? No
Car value? Ten bob and a conker
Whats the millage limitations? 20,000
Any policy restrictions / benefits?
Fully comp / third party etc? Fully comp
Penalty points? None
Declared mods?No Mods

Old policy for MG ZT just expired

What car are you insured on? MG ZT 160+
What company are you insured with? Lancaster Insurance via MG Owners Club
What is your insurance costing you? £425
What age are you? 36
What gender are you? Male
What country/area do you live? South Yorkshire
How many years ncb? 5
Is it protected? No
Car value? £3500
Whats the millage limitations? 20,000
Any policy restrictions / benefits?
Fully comp / third party etc? Fully comp
Penalty points? None
Declared mods?No Mods

freddie · 18th February 2011, 15:40

What car are you insured on?2005 cdti connie se
What company are you insured with?Ageas
What is your insurance costing you? £272.58
What age are you?65
What gender are you?male
What country/area do you live?Norfolk
How many years ncb?9
Is it protected?yes
Car value?£6000
Whats the millage limitations?none
Any policy restrictions / benefits?no
Fully comp / third party etc? full comp
Penalty points?none
Declared mods?none

Tatts · 18th February 2011, 15:56

What car are you insured on? MG ZR 2.0TD & MG ZT190
What company are you insured with? Lancaster Classic
What is your insurance costing you? £ Circa £500 for them BOTH
What age are you? Over 21
What gender are you? Male Last time I checked I was anyway!
What country/area do you live? England/a nice one in S Yorks
How many years ncb? Maximum
Is it protected? No
Car value? ZR = £2000ish ZT = £1000ish
Whats the millage limitations? Max of 8k on each
Any policy restrictions / benefits? Classic insurance policy does not use or generate NCD
Fully comp / third party etc? FC
Penalty points? 3
Declared mods? Both chipped

For me, this years quote where shocking. Was with the Post Office, but I wasnt going back to them after they made a massive admin error that caused me NOT to be on the motor insurance database.

For nearly 8 months despite the fact my direct debit was coming out, if I hadn't of tried to tax my car over the phone in January I wouldn't have known. God knows what would have happened in an accident!

That happened to me every year for 3 years with Adrian Flux, despite their assurances it would not happen again.

So I spent my money elsewhere.

muey · 18th February 2011, 16:22

What car are you insured on? 2002 cdt connie se tourer
What company are you insured with? admiral
What is your insurance costing you? £500
What age are you? 49
What gender are you? male
What country/area do you live? England / Lancashire
How many years ncb? 20
Is it protected? yes
Car value? £2500
Whats the millage limitations? 12000
Any policy restrictions / benefits? legal cover
Fully comp / third party etc? Fully Comp
Penalty points? none
Declared mods? none

Regards, Mark

18th February 2011, 09:14	#12
NikTheGeek Gets stuck in 2002 Range Rover P38 Join Date: Dec 2008 Location: Wigan Posts: 593 Thanks: 0 Thanked 0 Times in 0 Posts	Just a quick point. I notice a few posts with 23 years or 40 years NCB!! I had this argument with my insurance and if you put anything down other than 9, you have to be able to prove it by way of a statement from your previous insurer saying, for example, you have 20 years NCB. Since no insurer does that (the max is usually 9) they will declare your insurance invalid! Nick __________________ ʞǝǝƃǝɥʇʞıu@ :ɹǝʇʇıʍʇ

18th February 2011, 12:46	#14
karl_683 Loves to post Jaguar X-Type Join Date: Jul 2008 Location: Peterborough Posts: 323 Thanks: 0 Thanked 0 Times in 0 Posts	What car are you insured on? 2000 Club 2.5 What company are you insured with? Aviva What is your insurance costing you? £550 What age are you? 23 What gender are you? M What country/area do you live? England/Peterborough How many years ncb? 4 Is it protected? No Car value? 2500 Whats the millage limitations? <10000 Any policy restrictions / benefits? NO Fully comp / third party etc? Fully Comp Penalty points? No Declared mods? None __________________ [SIGPIC][/SIGPIC] Member No. 494 - Visit my DeviantART Profile: http://karl683.deviantart.com/

18th February 2011, 15:17	#17
sikelsh This is my second home MGF Join Date: Mar 2010 Location: Boston Posts: 4,865 Thanks: 123 Thanked 281 Times in 178 Posts	What car are you insured on? Rover 75 2.0CDT What company are you insured with? Swiftcover What is your insurance costing you? £725 What age are you? 36 What gender are you? Male What country/area do you live? South Yorkshire How many years ncb? 1 Is it protected? No Car value? Ten bob and a conker Whats the millage limitations? 20,000 Any policy restrictions / benefits? Fully comp / third party etc? Fully comp Penalty points? None Declared mods?No Mods Old policy for MG ZT just expired What car are you insured on? MG ZT 160+ What company are you insured with? Lancaster Insurance via MG Owners Club What is your insurance costing you? £425 What age are you? 36 What gender are you? Male What country/area do you live? South Yorkshire How many years ncb? 5 Is it protected? No Car value? £3500 Whats the millage limitations? 20,000 Any policy restrictions / benefits? Fully comp / third party etc? Fully comp Penalty points? None Declared mods?No Mods __________________ Si Kelsh Last edited by sikelsh; 18th February 2011 at 15:19..

18th February 2011, 15:56	#19
Tatts This is my second home MG6 TL Join Date: Nov 2006 Location: Tarn Posts: 5,269 Thanks: 2 Thanked 46 Times in 37 Posts	What car are you insured on? MG ZR 2.0TD & MG ZT190 What company are you insured with? Lancaster Classic What is your insurance costing you? £ Circa £500 for them BOTH What age are you? Over 21 What gender are you? Male Last time I checked I was anyway! What country/area do you live? England/a nice one in S Yorks How many years ncb? Maximum Is it protected? No Car value? ZR = £2000ish ZT = £1000ish Whats the millage limitations? Max of 8k on each Any policy restrictions / benefits? Classic insurance policy does not use or generate NCD Fully comp / third party etc? FC Penalty points? 3 Declared mods? Both chipped For me, this years quote where shocking. Was with the Post Office, but I wasnt going back to them after they made a massive admin error that caused me NOT to be on the motor insurance database. For nearly 8 months despite the fact my direct debit was coming out, if I hadn't of tried to tax my car over the phone in January I wouldn't have known. God knows what would have happened in an accident! That happened to me every year for 3 years with Adrian Flux, despite their assurances it would not happen again. So I spent my money elsewhere. __________________ http://www.wcgsig.com/115562.gif

18th February 2011, 08:21	#11
Sussex75 Newbie Rover 75 Saloon 1.8T connoisseur SE Join Date: Jul 2010 Location: Sussex Posts: 26 Thanks: 0 Thanked 0 Times in 0 Posts	What car are you insured on? 2002 1.8T Rover 75 Connie SE What company are you insured with? Aviva What is your insurance costing you? £495 What age are you? 33 What gender are you? Male What country/area do you live? Sussex How many years ncb? 1 (only held license for a year) Is it protected? No Car value? £3000 Whats the mileage limitations? 10,000 Any policy restrictions / benefits? None Fully comp / third party etc? Fully Comp Penalty points? Nil Declared mods? None Excess: £250

18th February 2011, 10:12	#13
Richard Garner Regular poster MG ZT-T CDTi Xpower Grey, MG ZT 190se Pearl Black Join Date: Oct 2010 Location: Lincoln Posts: 79 Thanks: 0 Thanked 0 Times in 0 Posts	What car are you insured on? MG ZT-T CDT What company are you insured with? RAC What is your insurance costing you? £1390.70 (No really, this was the cheapest ) What age are you? 20 What gender are you? Male What country/area do you live? Lincoln How many years ncb? 3 Is it protected? No (Needed 4 years) Car value? £5000 Whats the millage limitations? 7000 p/a Any policy restrictions / benefits? Break down cover Fully comp / third party etc? Fully Comp Penalty points? No Declared mods? No

18th February 2011, 12:53	#15
IainThornton Avid contributor Vauxhall Corsa :( Join Date: Feb 2011 Location: Moscow Posts: 121 Thanks: 0 Thanked 0 Times in 0 Posts	this does make me feel more confident about my forthcoming quotes

18th February 2011, 13:34	#16
Lovejoy Regular poster Rover 75 Saloon Join Date: Sep 2010 Location: Wicklow, Ireland Posts: 51 Thanks: 0 Thanked 0 Times in 0 Posts	What car are you insured on? 2001 CDT 2.0 Connie What company are you insured with? Axa What is your insurance costing you? €550 What age are you? 36 What gender are you? M What country/area do you live? Ireland/Wicklow How many years ncb? 5 Is it protected? Yes Car value? €3500 Whats the millage limitations? None Any policy restrictions / benefits? NO Fully comp / third party etc? Fully Comp Penalty points? Yes, 1 Declared mods? Aftermarket led lights, which I removed after about a week casue they were horrible

18th February 2011, 15:40	#18
freddie Passed Away 75 cdti connoisseur se saloon Join Date: Jul 2010 Location: norwich Posts: 11,360 Thanks: 1,171 Thanked 1,921 Times in 1,345 Posts	What car are you insured on?2005 cdti connie se What company are you insured with?Ageas What is your insurance costing you? £272.58 What age are you?65 What gender are you?male What country/area do you live?Norfolk How many years ncb?9 Is it protected?yes Car value?£6000 Whats the millage limitations?none Any policy restrictions / benefits?no Fully comp / third party etc? full comp Penalty points?none Declared mods?none

18th February 2011, 16:22	#20
muey Loves to post 75 connoiseur se hi-line tourer cdt Join Date: Apr 2009 Location: nelson,lancs Posts: 299 Thanks: 0 Thanked 2 Times in 2 Posts	What car are you insured on? 2002 cdt connie se tourer What company are you insured with? admiral What is your insurance costing you? £500 What age are you? 49 What gender are you? male What country/area do you live? England / Lancashire How many years ncb? 20 Is it protected? yes Car value? £2500 Whats the millage limitations? 12000 Any policy restrictions / benefits? legal cover Fully comp / third party etc? Fully Comp Penalty points? none Declared mods? none Regards, Mark