Why am I such an insurance risk? - Page 4

cabbers · 21st January 2012, 22:05

would you like my insurance companys phone number, if so pm me and i will send it you.

i am only 22 with a clean licence and i have fully comp insurance with break down cover on a MG ZT-T 190+ and i only paid £412

Jakg · 21st January 2012, 22:07

Quote:

Originally Posted by cabbers

would you like my insurance companys phone number, if so pm me and i will send it you.

i am only 22 with a clean licence and i have fully comp insurance with break down cover on a MG ZT-T 190+ and i only paid £412

Out of interest... company?

(20... currently paying £950!)

cabbers · 21st January 2012, 22:15

Quote:

Originally Posted by Jakg

Out of interest... company?

(20... currently paying £950!)

its called insurance 4 u, they are based in wolverhampton and are a independant insurance company

Forestgreen · 21st January 2012, 22:38

It seems postcodes are the major factor - my wife and I have 18 years no claims, no convictions between us, both in our late thirties and living in central Birmingham and we paid over £3000 for a two car policy including the Rover and a smaller car this year. Having had a baby since taking out insurance I rang to see if that would reduce the premium next year, naively assuming that parents with children would be considered to drive more safely than childless adults, only to be told that having a child will now INCREASE our premium! That's a fivefold increase on what our insurance cost last year when we lived in the middle of the countryside in the Welsh borders.

My wife was born outside the UK, so that automatically put the premium up since it's assumed that growing up outside the UK she is used to driving on the right and doesn't know British traffic rules. Despite having lived in the UK for many years and being born in a country that drives on the left. Any excuse...

And please none of this "try Adrian Flux"/"try Peter Best"/"internet comparison websites" nonsense. I started off by phoning all the specialist firms recommended on this site and only one would even give me a quote and that was for £6000. Yes, £6000. Then I spent an entire Saturday on all the comparison websites before concluding that I weasn't going to go any better than £3000 even if it's more than the value of the cars we drive.

guru · 22nd January 2012, 00:48

We may have rubbish broadband but on of the perks of living in rural Norfolk is that my insurance is relatively cheap. Haven't renewed with the ZT yet but I'll be shocked if it's more then £300 however I have just done the Sterling for another year which was £210 fully comp with myself having full business cover as I'm a self employed I.T. Consultant.

I'm 35 and my better half is 33. Up until this year our insurance has been coming down every year however this is the first time in a while I've paid more then £200 to insure the Sterling

Personally I blame the idiots who claim thousands for stupid little bumps. As far as I'm concerned if you come out of a crash with most of your limbs still on then you should just be able to claim for time off work and that's it!

gaz7560 · 22nd January 2012, 01:56

I live in Bedfordshire , protected no claims courtesy car etc, renewal is at £219 with Hastings direct. I am a lorry driver ,live in a village. one windscreen claim, and no points on my licence.

deeks · 22nd January 2012, 10:48

Quote:

Originally Posted by vindaloo

Is that legal if it's your car & you're the main driver?

the car registered to my sister :-D me and dad have our own policy on the car to get cheap insurance, im a named driver

little loop hole in the law they cant prove if im in an accident that i drive it all the time

muey · 22nd January 2012, 11:15

Hi all
BB9 poscode (lottery) here. At renewal last sept I was 49 with Joanna as a named driver, £530 with admiral. for comparable cover (replacement car if you need 1 etc) they came in at £200 cheaper than the rest. Thanks to our "false claim" culture people in lancs, I pay through the nose ! way things are going, i will be loaded for "being " 50 this sept, sigh !
Regards Mark

deeks · 22nd January 2012, 11:49

i will try them thanks cabbers but where i live has a massive amount of un insured drivers >.< and is on a high for crime >.< the joys of barwell

Jakg · 22nd January 2012, 17:17

Quote:

Originally Posted by deeks

the car registered to my sister :-D me and dad have our own policy on the car to get cheap insurance, im a named driver

little loop hole in the law they cant prove if im in an accident that i drive it all the time

It's not a "loophole", there are a million and one ways to prove that you aren't the main driver.

Does your Dad have his own car? Do you drive your car to work? How many miles did you put down on your insurance?

22nd January 2012, 00:48	#35
guru Posted a thing or two MG ZT, Rover Sterling, MG ZS EV & BMW X5 Join Date: Nov 2010 Location: The Norfolk Broads Posts: 1,491 Thanks: 20 Thanked 196 Times in 117 Posts	We may have rubbish broadband but on of the perks of living in rural Norfolk is that my insurance is relatively cheap. Haven't renewed with the ZT yet but I'll be shocked if it's more then £300 however I have just done the Sterling for another year which was £210 fully comp with myself having full business cover as I'm a self employed I.T. Consultant. I'm 35 and my better half is 33. Up until this year our insurance has been coming down every year however this is the first time in a while I've paid more then £200 to insure the Sterling Personally I blame the idiots who claim thousands for stupid little bumps. As far as I'm concerned if you come out of a crash with most of your limbs still on then you should just be able to claim for time off work and that's it! __________________ My car history http://m6jkk.com

21st January 2012, 22:05	#31
cabbers Retired 62-reg Suzuki SX4 SZ5 1.6i AWD / 07-reg Audi S3 2.0 T FSI Quattro Join Date: Jul 2011 Location: Darlaston Posts: 1,706 Thanks: 0 Thanked 0 Times in 0 Posts	would you like my insurance companys phone number, if so pm me and i will send it you. i am only 22 with a clean licence and i have fully comp insurance with break down cover on a MG ZT-T 190+ and i only paid £412

21st January 2012, 22:38	#34
Forestgreen Gets stuck in Rover 75 Connoisseur SE 2.5 V6 saloon Join Date: Dec 2011 Location: Birmingham Posts: 770 Thanks: 47 Thanked 105 Times in 54 Posts	It seems postcodes are the major factor - my wife and I have 18 years no claims, no convictions between us, both in our late thirties and living in central Birmingham and we paid over £3000 for a two car policy including the Rover and a smaller car this year. Having had a baby since taking out insurance I rang to see if that would reduce the premium next year, naively assuming that parents with children would be considered to drive more safely than childless adults, only to be told that having a child will now INCREASE our premium! That's a fivefold increase on what our insurance cost last year when we lived in the middle of the countryside in the Welsh borders. My wife was born outside the UK, so that automatically put the premium up since it's assumed that growing up outside the UK she is used to driving on the right and doesn't know British traffic rules. Despite having lived in the UK for many years and being born in a country that drives on the left. Any excuse... And please none of this "try Adrian Flux"/"try Peter Best"/"internet comparison websites" nonsense. I started off by phoning all the specialist firms recommended on this site and only one would even give me a quote and that was for £6000. Yes, £6000. Then I spent an entire Saturday on all the comparison websites before concluding that I weasn't going to go any better than £3000 even if it's more than the value of the cars we drive.

22nd January 2012, 01:56	#36
gaz7560 Loves to post Ford Mondeo Ghia X 2.0 TDCi Join Date: Jan 2010 Location: Langford, Beds Posts: 353 Thanks: 0 Thanked 0 Times in 0 Posts	I live in Bedfordshire , protected no claims courtesy car etc, renewal is at £219 with Hastings direct. I am a lorry driver ,live in a village. one windscreen claim, and no points on my licence.

22nd January 2012, 11:15	#38
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	Hi all BB9 poscode (lottery) here. At renewal last sept I was 49 with Joanna as a named driver, £530 with admiral. for comparable cover (replacement car if you need 1 etc) they came in at £200 cheaper than the rest. Thanks to our "false claim" culture people in lancs, I pay through the nose ! way things are going, i will be loaded for "being " 50 this sept, sigh ! Regards Mark

22nd January 2012, 11:49	#39
deeks Posted a thing or two MG ZT 2.0 DIESEL Join Date: Sep 2010 Location: Barwell Posts: 1,037 Thanks: 12 Thanked 10 Times in 10 Posts	i will try them thanks cabbers but where i live has a massive amount of un insured drivers >.< and is on a high for crime >.< the joys of barwell