just read the faq at the front of this thread, and there is one glaring error,(not that im perfect)operators dont get shirty if u mess them around,certainly not at tescos anyway, not if they want their jobs. the reason being, we r carefully and rigourously checked to make sure we provide the best, most informative, polite service to our customers, even if they r somtimes rude and offensive!
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just read the faq at the front of this thread, and there is one glaring error,(not that im perfect)operators dont get shirty if u mess them around,certainly not at tescos anyway, not if they want their jobs. the reason being, we r carefully and rigourously checked to make sure we provide the best, most informative, polite service to our customers, even if they r somtimes rude and offensive!
Im 20 with 1 years NCB and i was paying £1400 with tesco on a pug 306 1.9 d turbo , so i used http://www.confused.comwww.confused.com , and they found me lots of very cheap quotes so i went with churchill in the end for £389 a year saving me about £70- £80 a month !
[Edited by RicH- on 22 May 2004 at 7:23pm]
Pink & Blue 182, JDM DC2
When I had the Cup when I was 19 I was paying £3,000 or £250pcm. Nasty business. Dropped to £1,700 now and up for renewalin July.
Can I make a big plea to people posting on here...
If you recommend a company post a website or telephone number along with it and save everyone alot of hassle.
Thanks
A thing Ive managed to do a few times now with insurance peeps, is if you are telling them about mods, play dumb, for example if your putting an inductiom kit or zorst on, and they are asking "does it increase"bhp instead of saying yes a small increase play dumb and say well" im not sure dont really know anything technical about cars...etcetc." my last car I got 3 mods like this added onto my policy for free with a company i know other people have had to pay. just make sure you get a new certificate through with mods on them and your covered!
yeah but you have to be carefull with insurance companys.
saw an artical on a girl that bought a VW golf with alloys on that the sales person said where standard equipment so that when the insurance company asked if it had any "extras" on or still standard she said "standard", however she wrote off the car and when the insurnace comapany ascessed it they said "sorry but you didnt tell us about the alloys and alloys are not standard on that car".....she got nothing for it????
Simon.
I hate insurance cos......
I have also been told this. Technically if you fit an aftermarket gearnob you may invalidate your insurance. Remember, ignorance is no defence. I dont think anyone would refuse to payout in the gearnob case but start adding exhausts, filters, etc and they will ask themselves why youve done it -> to make it faster -> a chance to avoid a payout.
The only advise Id give to people is if you are the main driver, insure it in your name. If you cant afford to, then you cant afford the car. I have a friend who did that and someone actually asked his neighbour "Hey, whos is that car?" They said it was his and he got a letter the next week asking him to confirm he really was the main driverIMO youd have to be a total mug to pay £4800 insurance for any car, nevermind a clio! No offence intended but why not drive a lower risk car for a year til it comes down?
As I say, this is not meant to offend anyone!
Dunc
Ps. My renewal went UP this year ??? I tried confused and they couldnt find anyone to quote! LOL!
Hey guys new member here, getting rid of my much loved Fiesta Zetec S in August for a year old 172 cup, cant wait!! Got a few quotes the lowest I can get is from Elephant 19 two years no claims, my mum as a second gets it to £1670 or thereabouts, cant remeber exactly, does this sound good to you?
Also any tips when looking for a cup, what to watch out for etc
Thanks
Admiral 0800 600 800 http://www.admiral.com/
Adrian Flux 01553 777 240 www.adrianflux.co.uk/
AON 01384 552 670 www.aon.com
A-Plan 0845 071 123 www.aplan.co.uk/
AXA 0800 015 4292 http://www.axa-motor.co.uk
Bell Direct 0800 140 180 www.belldirect.co.uk/
Bennetts 0990 202090 www.bennetts.co.uk/
Bugdet 0800 028 9044 www.budgetinsurance.com/
Catterall 01254 695 055 www.chris-thompson.co.uk/
Churchill 0800 200 331 http://www.churchill.com
Cis 08457 464646 www.cis.co.uk/
CoverSure (RallySure) 01829 733 880 www.dmatters.co.uk/
Crowthorne Insurance 01344 771626 www.crowthorne.co.uk
Direct Line 0845 246 8701 http://uk.directline.com/
Elephant 0870 6080668 http://www.elephant.co.uk
Endsleigh 0800 028 3571 http://www.endsleigh.co.uk
Footman 0121 651 6250 www.footmanjames.co.uk
Graham Sykes 0870 444 6319 www.graham-sykes.co.uk/
Greenlight 01277 263 030 http://www.greenlight-insurance.co.uk/www.greenlight-insurance.co.uk/
HIC - 08451 290 290
Hill House Hamond 01733 310899 www.hhh.co.uk/
Keith Michaels 0181 642 7868 www.keithmichaels.co.uk
Liverpool Victoria 0800 514 514 http://www.liverpoolvictoria.co.uk
More Than 0800 072 4186 http://www.morethan.com
Motor Quote Direct 0800 48 44 33 http://www.motorquotedirect.co.uk/
Nash Warren 0121 561 4484 www.nashwarren.co.uk/
Norwich Union 0870 242 0800 www.norwichunion.com/
Peart 0870 240 2972 www.peart.co.uk/
Peoples Choice 0800 614 824 www.peopleschoice.co.uk/
Performance Direct 08704 203896 www.performancedirect.co.uk/
Privilege Insurance 0113 292 5555 www.privilege.com/
Quinn Direct 0845 850 0845 www.quinn-direct.com/
QuoteLine Direct 0870 444 0870 www.quoteline-direct.co.uk/
RAC 0845 3000 755 http://www.rac.co.uk
Sainsburys 0800 032 0000 www.sainsburysbank.co.uk/insurance/
Tesco 0845 300 9900 http://www.tesco.com
The AA 0870 606 0483 http://www.theaa.com
Hastings Direct 0800 00 1066 http://www.hastingsdirect.com
Esure 0845 603 7873 http://www.esure.com
Halifax 0845 608 9913 http://carinsurance.halifax-online.co.uk
Eagle Star 08459 45 45 67 http://www.eaglestar.co.uk
Lloyds TSB 0800 056 3040 http://www.insurance.co.uk
Screen Trade 0800 435 207 http://www.screentrade.co.uk
Its4me 0870 0131 464 http://www.its4me.co.uk/
The Insurance Centre 0709 2511050 http://www.theinsurancecentre.co.uk
i am 23, got a clio 1.2 16V Reg51. Insurance 400 (full com) 1100 excess fees if claim with Norwich Union (9month = 1 year NCB) included 1 year NCB
do you think it is cheap?
If its not "Standard" its usually a Mod and should be declared, at least during the telephone conversation. All the calls are recorded anyway (they say some, but I believe they get them all).
Some insurers like Admiral go so far as making distinctions about "Optional" Extras as well, like say "Leather Seats", SunRoof, Cup Packs etc... some of these can increase or lower your policy (depending on what they are) even if they are Factory fitted.
If in doubt Declare it.
Octy vRS & Ninja 650
One problem ive had is i tried ringing renault insurance who im with, what about if i wanted to do certain mods to my car (1.2 dynamique). at first they gave me a quote and it took the piss (bout 500 more just for lowering and induction kit), but they said would go down when im 21 (in a month or so). So i asked if they could give me a quote for when im 21, to see if there worth getting, but they wouldnt as they said ive already got an account with them, so couldnt change my details.
Any ideas how to get round this? As renault gave me the best quote so far anyway at 875 as they gave me an extra year ncd if i stayed with them after the first free year without a claim.
For all the ladies out there, try Diamond http://www.diamond.co.ukwww.diamond.co.uk or call them 0870 549 2500.
I have now declared all my mods - lowered, induction kit and s/s exhaust and it only cost me £56.70 extra on top of my renewal, which I was most impressed with
and they were sooooo much cheaper than any other insurers even when I hadnt declared the mods!Sawa
Im with http://www.belldirect.co.ukwww.belldirect.co.uk
Same stable as diamond and elephant yet yield different results. You can really play around with the quotes. Adding my parents on wiped 300 off my premium. I got it for £630 full comp, £100 excess on a 1.6rt, with no no claims. My brother managed to get his Gold GTi thru them pretty cheap too in his early 20s.
Just dont tell them your a model, p**n star etc. Occupation makes a large difference with some companies.
IE: MODEL == RICH == MONEY TO BUY COCACINE == ALWAYS HALF CUT == NOT IN CONTROL OF CAR
IT JOBS ARE LOW RISK, AS FARMERS. Just use your imagination!
Annual milage makes a small difference. Quoting online: if you enter 6999 instead of 7000, the computer takes this as a dirrent banding, whereas on the phone the c**t of an agent would round it up to 7000.
A good trick is to do online quotes using different scenarios to find out which options lower and raise the qoute, its just a computer remember. Although this will take many quotes its worth it. MAKE SURE YOU DONT USE YOUR OWN NAME!
Location of vehicle: Its on a driveway!!!, not the street.
POSTCODE: High crime areas naturally cost more. If youve got a ma and pa in a nice area you could insure it at their address, as long as its not too far away, make sure it is nicer. Also make DAMN SURE your credit card is registered at the address you insure it at.
Things such as regular use of another car can alter the price.
Other Drivers. With some insurance companies registering another regular drive such as your dad can LOWER the cost, depending on various factors such as their occupation.
ALWAYS DECLAIR MODIFICATIONS. DO NOT LIE. If you roll your car into a petrol taking which carreers off the road onto a runway and into the path of a 747 on takeoff, there will almost certainly by an insurance investigator! and they will inspect whats left of your car!
By using the advise on this thread ive just got my insurance down from the original renewal of £430 to a rather more wallet friendly £356. Thats with my zaust and induction kit declared. Excellent
Just change from Tesco to Greenlight (Through Highway).
52 plate Mk2 172
27 years old
4 yrs NCB
tints/lowered 40mm
6 points
1 claim + 2 motoring convictions (CD10/SP30)
£799 + £375 excess. Very happy considering other specialist insurers like Flux/Performance Direct/HIC all wanted over £1000!!
Strangely Tesco were the next cheapest with £919, but they wanted an extra £160 if I wanted to change the exhaust and a £700 excess!!
Clio 182
ive been quoted around a grand for a 182, im 21, 3yrs no claims no convictions etc....does this sound reasonable to you all?
