2004 Clio 182 Insurance

[AliasOmega]

2004 Clio 182 Insurance Quotes

Car - 2004 Clio 182 in Racing Blue with both cup packs.

Driver -

27 years old
5yrs ncb
no accidents / claims / convictions
passed test in 02/2000
driving regulary / owns & rides bike (passed bike test 09/98)
car parked on raf base / driveway
cat 1 standard alarm
no protected ncb
£250 voluntary excess
full comp insurance
legal protection included

Quotes -

Tesco - £696.15
Priviledge - £466 (not eligible for 0% finance due to address)
Greenlight - £477 (with KGM + £50 trackday cover per day)
Adrian Flux - £530
Direct Line - £496
Direct Choice - £526
esure - £385
sainsburys - £394
sheilas wheels - £441
liverpool victoria - £471

 

[AliasOmega]

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[Ex-User (19928)]

...Is this a question of which to go for ??

Why do you want to finance £450 insurance ?

 

[AliasOmega]

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[AliasOmega]

just posting up the quotes i get so people have an idea what to expect.. as its always coming up...

 

[Maz]

I am paying £600 and im the same age as you, been driving longer too :S

Why dont you proctect your NCB ?? thats madness surely ?

 

[Kiev85]

do they do third party now for the early 182s?

 

[Sean B]

Why do you want to finance £450 insurance ?

Because £450 is alot of money to some people to pay off in one lump sum.

Cant believe Tesco was one of the dearest, ive been with them now for 4 or 5 years and they are always cheapest.

Good insurance info for those thinking of buying a 182.

Thanks

 

[Herdie172]

I am paying £600 and im the same age as you, been driving longer too :S

Why dont you proctect your NCB ?? thats madness surely ?

thats what i was thinking. surely it aint that much more to protect them

 

[fUbAr]

Greenlight protect your NCB for no additional cost...

 

[Maz]

I am paying £600 and im the same age as you, been driving longer too :S

Why dont you proctect your NCB ?? thats madness surely ?

thats what i was thinking. surely it aint that much more to protect them

10% apparently

 

[AliasOmega]

if i crashed the car, ie my own fault. Worst case i would lose 2 years ncb. You are allowed 2 claims in a year before it affects your ncb, but you still have to declare it.

I think its a con really as when you declare it, they stiff you or not. Could run a quote with an 'accident' with 5 yrs ncb, and 3yrs ncb and see what the difference is.

If it was fault, then i think i should lose ncb.

Shows that insurance is different for all types of areas and age groups. Apparently i live in a group A area, but parents live in a group F area (which is bad).

not to mention i live on a raf base, so need to get past an armed guard to get to the car.

 

[Ex-User (19928)]

My insurers have never asked for a copy of my NCD. Do you think if you got a shitter car, left it on the drive and insured it with "10 years NCD", 3rd party, £1000 excess, 1000 miles a year, garaged etc.

Then when that's up, you'd get your renewal quote with "11 years NCD on it"...

Would that work ??

 

[AliasOmega]

I know of people who have insured small chopped up cc bikes to keep ncb current.

 

[Gumby]

Iirc it's 2 claims in 3 years with most insurers

The insurance companies are a lot more clued up than you might think... The renewal schedule is the proof of NCB that they ask for