Insurance: How much are you paying?

[dancook]

I thought it might be interesting to see what other people are paying, we may see trends that might help people switch and save some money. Every year I've shopped around a bit, but never had anyone beat direct line.

Full Comp prices only please.

Here's my details

Car: 04 182 FF
Age: 27
Insurer: Directline
Driving: 9 Years
NCB: 4 Years
Postcode: GU1

No legal protection
No protected Claims
No guaranteed hire car
Excess £200 + £350 Voluntary Excess

Insurance Quote: £661.50

 

[D2501]

Interesting, I've always found Directline to be VERY expensive. I just go on confused.com and pick the cheapest. Never failed me yet.

 

[Magic Johnson]

Car: 02 DCi 65
Age: 20
Insurer: Admiral
Driving: 2 years
NCB: 0 years
Postcode: DD5

No legal protection
No protected Claims
No guaranteed hire car
Excess £500

Insurance Quote: £860

 

[Jcs]

Fully comp
car: 04 clio 182 FF
insurer : direct line
Age : 22 (was 21 on policy as this one runs out june)
Ncb : 4
legal cover included
business use included
No guaranteed hire car

excess = £300
Insurance Quote £651.00

 

[Snails]

Car: 2000 Ph1 172
Age: 23
Insurer: Admiral
Driving: 5 years
NCB: 0 years - was a named driver on another car.
Postcode: IP12 - Insurance group A
Legal protection
No protected Claims
Hire car if involved in an accident
Excess £250 - Voluntary £350

Price £872

Insurance groups:
http://www.cliosport.net/forum/showthread.php?t=87920

 

[dancook]

Not bad snails, I'll try a quote on admiral myself.

and JCS... your insurance is like the same as mine!!

My Quote with Admiral was £745.70!!

 

[fizzy_drink]

This is old, but:

Age 25
Car 182 FF
NCD - 2 years
Price £650
Excess £150


Now, a few years on... and in a more sensible car:
Age (over 30!!)
Car C4 Loeb 1.6
NCD - Maximum discount
Price £250
Excess - Between 0 and 150, depending on the claim.

Cheap motoring FTFW.

 

[dancook]

This is old, but:

Age 25
Car 182 FF
NCD - 2 years
Price £650
Excess £150


Now, a few years on... and in a more sensible car:
Age (over 30!!)
Car C4 Loeb 1.6
NCD - Maximum discount
Price £250
Excess - Between 0 and 150, depending on the claim.

Cheap motoring FTFW.

Who was your 182 quote with?

 

[fizzy_drink]

^^

Forgot to mention: Direct Line.

 

[Christophe]

Car: 52plate 172
Age: 24
Insurer: Highway
Driving: 6 years
NCB: 5 years
Postcode: HG5
Protected Claims
Excess £150 - Voluntary £0
All mods declared (alloys, inductionkit and exhaust system)

£560

 

[m4rkie23]

Car: 2003 172
Age: 23
Insurer: DirectLine
Driving: 6 years
NCB: 5 years
Postcode: GL4
Protected Claims (cost @ £80)
Excess £150 - Voluntary £150
Recaros declared, although they didnt affect the price
legal protection
guaranteed hire car

£590

 

[Lyons]

Car: 2003 172
Age: 23
Insurer: DirectLine
Driving: 6 years
NCB: 5 years
Postcode: GL4
Protected Claims (cost @ £80)
Excess £150 - Voluntary £150
Recaros declared, although they didnt affect the price
legal protection
guaranteed hire car

£590

Are you allowed mods under 25 with DL? They've always been a pain with me. Great company apart from that though!

 

[chris182cup]

27 me gf 24,

£700ish girlfriends in it too 3rd party I'm fully comp - excess for me 350 I think - 2 years licence 2 years no claims - thank god I don't need to declare my two bans now.

Insured with elephant I go offered a better deal elsewhere but they matched it.

Much love x

 

[dancook]

Are you allowed mods under 25 with DL? They've always been a pain with me. Great company apart from that though!

I'm not sure about the under 25 thing, but when I declared a few mods - the only thing they were really interested in is the % of increase of power - 10/20/30 etc.. and that increases the insurance by the same percentage.

 

[ben_r1]

Clio 197, Fully comp, 1NCB, 23 years old, Clean licence.

£1700

 

[Lyons]

That's interesting! They wouldn't even allow me to put genuine VW rims on my polo when I was 17! I told them I didn't care about claiming for them being stolen either, no deal they said!

 

[Magic Johnson]

Clio 197, Fully comp, 1NCB, 23 years old, Clean licence.

£1700

OOFT! Bad postcode?

 

[ben_r1]

Dont think so mate. Probs lack of NCB becuase i spent the first 3 years of my driving career as a named driver

 

[m4rkie23]

I'm not sure about the under 25 thing, but when I declared a few mods - the only thing they were really interested in is the % of increase of power - 10/20/30 etc.. and that increases the insurance by the same percentage.

yeah same here. i said they are the same as seats you could buy standard from renault (i.e. the trophy seats) and all they were realy worried about was performance mods.
after i got rear ended last year, the valuation guy came out, saw the note on the insurance for seats, said he's not seen them in a non-trophy before, and they looked nice. didnt question them once. and paid out £2500 for repair work.
so either its not relevant, or i got lucky?

 

[DB.]

20, 3 years NCB

Racing Blue 182 with Yozza and Recaro's declared.

£1650 - Brentacre

 

[Sir_Dave]

Car: '00 Saxo Vts valued at £2.5k
Age: 27
Insurer: Equity Red Star (Adrian Flux)
Driving: 10 years
NCB: 6 years
Postcode: KT15

Protected No-Claims
Legal Cover
Guaranteed hire car
Excess £250

All mods declared (lots of them), ie suspension, interior, cage, etc, etc

£420.00 fully comp.

 

[Russ_16v]

Trade insurance £500 a year

 

[Martin_S]

Age 22
Car Ph2 172
NCD - 2 years
Price £550

 

[dancook]

Age 22
Car Ph2 172
NCD - 2 years
Price £550

Very nice price, who with?

 

[Martin_S]

Very nice price, who with?

It's with Bell. They've always been the cheapest for me by far.

 

[theduck]

Car: 58 197 Cup
Age: 24
Insurer: Brentacre
Driving: 6 Years
NCB: 6 Years
Postcode: B64

Legal Protection
Protected No Claims
No guaranteed hire car
Mods declared (CAT back exhaust)

Excess £450

Insurance Quote: £689.50

Just added missus to the policy:

Age:21
Driving: 18months
Additional premium: £100
Additional Excees when she drives: £250


My project car is:

Car: 1992 518i
Age: 24 / 25 (see premium)
Insurer: Peter Best
Driving: 6 Years
NCB: n/a
Postcode: B64
Excess £200

Insurance Quote: £193.18 or £128.79 if I wait untill birthday on 25th May

 

[dancook]

It's with Bell. They've always been the cheapest for me by far.

I just tried their online quote system, £798.20 for the 182 with my 4NCB.. whyyyy

 

[Magic Johnson]

So Direct Line good if you don't mod your cars?

 

[dancook]

So Direct Line good if you don't mod your cars?

Direct Line have always been good for me, performance mods just increase your premium by the same percentage, to the nearest 10% interval.

 

[Sarah]

Car: 97 306 D turbo 3rd
Age: 26
Insurer: Kestral
Driving: 9 years
NCB: 0 years
Postcode: IM3 (lowerest group)

Cost £450 TPFT

 

[Sir_Dave]

I just tried their online quote system, £798.20 for the 182 with my 4NCB.. whyyyy

Put one of your parents on there as well as 2nd driver. It'll drop a fair bit ...

Bell = Elephant = Admiral btw.

 

[dancook]

Put one of your parents on there as well as 2nd driver. It'll drop a fair bit ...

Bell = Elephant = Admiral btw.

That's sounds like an idea, there's nothing wrong with doing this is there?

I put my Dad on as a second driver, and it went up to £802...

 

[Pedro]

Nope.

 

[dancook]

Nope.

Well it didn't work for me! Still a stupid high quote.

 

[Hixle]

Car: Fiesta Zetec S
Age: 21
Insurer: Bell
Driving: 3 Years
NCB: 1 Years
Postcode: RG2

£690 FC all mods declared

 

[Christophe]

Highway have been best for me the last couple of years. plus they don't increase premium if mods don't increase bhp. And like someone said. adding a parent decreases the quote a fair bit

 

[Adz89]

Got my renewal on the Clio next week. That has come around quick :dapprove:

 

[mattyw]

Car: 182
Age: 20
Insurer: Bell
Driving: 3 Years
NCB: 1 Years
Postcode: CM7

£1,700 with a 15k fault accident (even though it wasn't my fault )

 

[Zoe.182cup]

22 years old, been driving 3 years so 3 years NCB, RB 182 cup with yozza and induction kit declared - im with adrian flux and its about 950 pounds. was with direct line who were good, but couldnt insure me on mods

 

[Sash]

23 Years old
Driving 6 years
3 years NCB
0 points or convictions
RS192 exhaust

Sky insurance £600 with £350 excess.

Greenlight renewal was £722.