Insurance quotation: any suggestions please?

2750 HP · 19th January 2024, 15:14

Just been quoted £271 for comprehensive inurance re a 2004 75 Con diesel auto. This on a 3000 mile basis and i have a ncd and a clean licence. Also live in a small town in the Midlands. I am 69 years old and drive a MB E220d as a daily driver worth about £17000 and it comes in at £344 with a mileage of 12000.

Any suggestions where i can get a decent quote please?

another_clean_sheet · 19th January 2024, 15:22

Quote:

Originally Posted by 2750 HP

Just been quoted £271 for comprehensive inurance re a 2004 75 Con diesel auto. This on a 3000 mile basis and i have a ncd and a clean licence. Also live in a small town in the Midlands. I am 69 years old and drive a MB E220d as a daily driver worth about £17000 and it comes in at £344 with a mileage of 12000.

Any suggestions where i can get a decent quote please?

Try a couple of comparison sites plus Direct Line which is not on comparison sites.

Steeleyscoot · 19th January 2024, 15:41

Have you tried classic car insurers like Lancaster, Classicline, Footman James..? My dad’s insurance for his 2003 2.5V6 saloon with a similar profile/details to you is £200 a year with Classicline and he gets agreed value (£5k), legal cover and breakdown cover for that price.

I’m also listed as a driver on his policy and that can help reduce premiums.

woolley11 · 19th January 2024, 16:43

It’s the same for my Dad

He’s had Rover75 diesel (since it was almost new) - he’s 85 now and his premium is around £375 living in a rural area in North Yorkshire with 3k miles.

My ZT V6 is £98 with 3k miles

Think it must be an age thing 🤷🏼NAUGHTY WORD-♂️

Raven Black · 19th January 2024, 16:50

I have the same problem, been trying for 2 weeks to get a decent quote for 02 cdti max miles 4k a year and couldnt get less than 300, called loads and comp websites just push 1 or 2 companies. Tried Direct line and Footman James, same result. I have my Mg with Footman yet they still wdnt give me less than £300.

rovertone · 19th January 2024, 18:08

IIRC according to Martin Lewis a while ago the best time to seek a quote is 14 - 21 days before renewal date. Basis being that too soon insurers can be gungho about quotes, likewise much nearer renewal and they know you are running out of time so prices stay firm. The timescale 14 -21 days is when they have to be at their most competitive to get your business.
Not sure whether this is true in the current climate but on number of occasions I have found it work for me, even existing insurers who wouldn't budge 28days before renewal have then come back 'cap in hand' when 14 days before when I have told them I am not renewing.
I might try classic car insurers this year, not sure what age a car is classed as a classic, for starters I've also a 25yr old Megane Cabriolet that we use for summer fun which I'm hoping will fall into that category.

Raven Black · 19th January 2024, 19:57

Well I have been getting quotes 30 days before renewal and no decent deals. My current insurance sent me a renewal notice to say they cd no longer renew through my last insurance so wd cost me 100 more than last year through LV. When I read the policy it says fully comp. Car value 350, but 650 excess. Of course I canceled it, but now am struggling to find a decent rate and I own a 2nd car and only drive max 4 k a year or less between the 2. The mg only costs 110 a year but I drive it more than the Rover. Also it's worth a lot more, on paper, at least. I just don't understand this at all. Also tried 3 classic insurers but they said it didn't qualify due year.

Ray L · 21st January 2024, 13:52

Quote:

Originally Posted by 2750 HP

Just been quoted £271 for comprehensive inurance re a 2004 75 Con diesel auto. This on a 3000 mile basis and i have a ncd and a clean licence. Also live in a small town in the Midlands. I am 69 years old and drive a MB E220d as a daily driver worth about £17000 and it comes in at £344 with a mileage of 12000.

Any suggestions where i can get a decent quote please?

It would be helpful to me if I knew the insurance companies which both you and Wooley obtained your quotes from as they sort of fit my profile. With a good record I currently cannot better £ 600 p.a. Can you advise me, pm or on here please?

Rev Jules · 21st January 2024, 15:48

I am with Hastings Premium, ,max no/claims, £260 per year.

Rev,

Rogue · 21st January 2024, 15:55

Quote:

Originally Posted by Rev Jules

I am with Hastings Premium, ,max no/claims, £260 per year.

Rev,

I am with Hastings too.. cheapest from the compare sites.

19th January 2024, 15:14	#1
2750 HP Loves to post ZT CDTI, 190+, 260, Triumph TR4, Rolls Royce, Bentley and Mercedes E220d cabriolet Join Date: Feb 2014 Location: Little England Posts: 375 Thanks: 8 Thanked 72 Times in 46 Posts	Insurance quotation: any suggestions please? Just been quoted £271 for comprehensive inurance re a 2004 75 Con diesel auto. This on a 3000 mile basis and i have a ncd and a clean licence. Also live in a small town in the Midlands. I am 69 years old and drive a MB E220d as a daily driver worth about £17000 and it comes in at £344 with a mileage of 12000. Any suggestions where i can get a decent quote please?

19th January 2024, 16:50	#5
Raven Black Gets stuck in Rover 75 saloon Join Date: Jan 2019 Location: Horley Posts: 879 Thanks: 703 Thanked 267 Times in 198 Posts	insurance I have the same problem, been trying for 2 weeks to get a decent quote for 02 cdti max miles 4k a year and couldnt get less than 300, called loads and comp websites just push 1 or 2 companies. Tried Direct line and Footman James, same result. I have my Mg with Footman yet they still wdnt give me less than £300. __________________ 2002 Connie SE CDTi Raven Black saloon 1978 MGBGT Brooklands Green Last edited by Raven Black; 19th January 2024 at 16:55..

19th January 2024, 18:08	#6
rovertone Gets stuck in Rover 75 Conne SE Auto CDTi Join Date: Nov 2012 Location: Redditch Posts: 671 Thanks: 185 Thanked 135 Times in 109 Posts	IIRC according to Martin Lewis a while ago the best time to seek a quote is 14 - 21 days before renewal date. Basis being that too soon insurers can be gungho about quotes, likewise much nearer renewal and they know you are running out of time so prices stay firm. The timescale 14 -21 days is when they have to be at their most competitive to get your business. Not sure whether this is true in the current climate but on number of occasions I have found it work for me, even existing insurers who wouldn't budge 28days before renewal have then come back 'cap in hand' when 14 days before when I have told them I am not renewing. I might try classic car insurers this year, not sure what age a car is classed as a classic, for starters I've also a 25yr old Megane Cabriolet that we use for summer fun which I'm hoping will fall into that category. __________________ 2003 Mk 1 Connie SE CDTi Auto Monogram Mirage 2/Sandstone Leather 511th CDTi out of 4744 produced 9th in Mirage 2 out of 17 produced Also 2004 Rover 25 SXi CVT, 1999 Megane Cabriolet and still missing my 800 Fastback.

19th January 2024, 19:57	#7
Raven Black Gets stuck in Rover 75 saloon Join Date: Jan 2019 Location: Horley Posts: 879 Thanks: 703 Thanked 267 Times in 198 Posts	Time Well I have been getting quotes 30 days before renewal and no decent deals. My current insurance sent me a renewal notice to say they cd no longer renew through my last insurance so wd cost me 100 more than last year through LV. When I read the policy it says fully comp. Car value 350, but 650 excess. Of course I canceled it, but now am struggling to find a decent rate and I own a 2nd car and only drive max 4 k a year or less between the 2. The mg only costs 110 a year but I drive it more than the Rover. Also it's worth a lot more, on paper, at least. I just don't understand this at all. Also tried 3 classic insurers but they said it didn't qualify due year. __________________ 2002 Connie SE CDTi Raven Black saloon 1978 MGBGT Brooklands Green Last edited by Raven Black; 19th January 2024 at 19:59..

19th January 2024, 15:41	#3
Steeleyscoot Regular poster Rover 75 Saloon Join Date: Jan 2023 Location: Loughborough Posts: 46 Thanks: 0 Thanked 0 Times in 0 Posts	Have you tried classic car insurers like Lancaster, Classicline, Footman James..? My dad’s insurance for his 2003 2.5V6 saloon with a similar profile/details to you is £200 a year with Classicline and he gets agreed value (£5k), legal cover and breakdown cover for that price. I’m also listed as a driver on his policy and that can help reduce premiums.

19th January 2024, 16:43	#4
woolley11 Regular poster MG Join Date: Jun 2014 Location: York Posts: 35 Thanks: 0 Thanked 0 Times in 0 Posts	It’s the same for my Dad He’s had Rover75 diesel (since it was almost new) - he’s 85 now and his premium is around £375 living in a rural area in North Yorkshire with 3k miles. My ZT V6 is £98 with 3k miles Think it must be an age thing 🤷🏼NAUGHTY WORD-♂️

21st January 2024, 15:48	#9
Rev Jules This is my second home Rover 75 Tourer+ Join Date: Mar 2011 Location: Radcliffe on Trent Posts: 10,712 Thanks: 7,308 Thanked 3,929 Times in 2,051 Posts	I am with Hastings Premium, ,max no/claims, £260 per year. Rev,