One of the daftest quotes i've ever read on here

[cat171]

"insurance - try elephant, and add your dad onto the policy as a named driver, then put the volantry excess up to £750 works out the cheapest"


I'm not saying who wrote that, nor where it is on here, but to me that is the daftest comment I think i've ever seen on here for a while.

Like any one's going to choose a £750 voluntery excess !!

 

[xshexisusannex]

"insurance - try elephant, and add your dad onto the policy as a named driver, then put the volantry excess up to £750 works out the cheapest"


I'm not saying who wrote that, nor where it is on here, but to me that is the daftest comment I think i've ever seen on here for a while.

Like any one's going to choose a £750 voluntery excess !!

Depends on the value of the vehicle, although only seen excesses this high in our corporate clients

Not for a clio 172/182 Owner hehe

 

[Tom]

Ive got a high excess. But its personal choice i guess.

If you are under 25 chances are you have a £500 excess anyway.

(£250 Vol, £250 young driver)

 

[Big Iain]

My sis done it, was basically the only way she could get insured after pasing her test, luckily shes a good driver and had no cause to worry about the 750!!

 

[briny182]

i thought mine being £450 was bad enough.. depends how desperate you are to get insured on a car I suppose - I guess its just worth the risk to some people, they hopefully wont crash!

 

[xshexisusannex]

Hmm doesnt really matter if shes a good driver or not, what about everyone else on the rd, even if she had a non fault accident she would still most likely be out of pocket for a while as they would make her pay then recover as its an uninsured losss

 

[cat171]

Not for a clio 172/182 Owner hehe

It's for a clio.

 

[Ex-User (19928)]

lol

I just searched that string and the post came up

Still, personal choice really, if you don't think you're going to claim, why not take 3rd party or have a £1000 excess if you want the benefits.

 

[brownale01]

can i just ask as well does anyone actualli notice any difference when they add there parents as named drivers, coz i dont and my dad aint had an accident ever and he has been driving for well over 30 years, and it doesnt make any difference to any of my quotes

 

[xshexisusannex]

biggest xs we have for a client is £25,000
Thats robert wisemans and might i say stay well away from one of there lorries on the rd theyll hit a building then say it jumped out infront of them!

 

[xshexisusannex]

can i just ask as well does anyone actualli notice any difference when they add there parents as named drivers, coz i dont and my dad aint had an accident ever and he has been driving for well over 30 years, and it doesnt make any difference to any of my quotes

Brought mine down a good bit to put my mum on, older and female my insurance is 279 quid with 3 woman on it in my name and 1 year ncb

 

[briny182]

mine dropped by £250 when i first started driving - now i've got 4 years no claims I've taken him off, it doesn't make it any cheaper anymore

 

[hutchus_1]

im on elephant, put my mam on as a named driver and it dropped the price fromm 900 to 600!

 

[brownale01]

fair enough i didnt think bout puttin my mum on coz she female haha gonna try it now

 

[C.slicker]

My excess is something like 600 atm.

I have chosen that as:

A/ It makes me value the car more, so drive slower.
B/ The insurance costs fall
C/ Unless the car is a right off I wouldn't claim anyway as it will hike up my next premium by far too much

Sam

 

[SC03OTT]

can i just ask as well does anyone actualli notice any difference when they add there parents as named drivers, coz i dont and my dad aint had an accident ever and he has been driving for well over 30 years, and it doesnt make any difference to any of my quotes

works for me but only on certain insurers. my insurance is up on the 14th of this month and my quote from admiral was £100 MORE than what I pay now despite 1 years ncb(paying £695 just now they wanted £794 for next year). so i went to bell, got a quote for myself at £550, put my mum and dad on as 2nd and 3rd driver and im paying £359. thats a pretty good saving in my book! my voluntary excess is £350 btw.

 

[Cookie]

biggest xs we have for a client is £25,000
Thats robert wisemans and might i say stay well away from one of there lorries on the rd theyll hit a building then say it jumped out infront of them!

Shouldn't be disclosing stuff like that on a public forum

 

[Tom]

Thats true DPA!! DPA!!

 

[xshexisusannex]

Thats true DPA!! DPA!!

Shhhooost then lol

 

[Ex-User (19928)]

Thats true DPA!! DPA!!

Shhhooost then lol

lol

Do you get a talking to about that when you start in insurance susanne ?

 

[Vish]

That's so stupid!

Add your dad AND your mum on your policy for even more savings!

1st couple of years my excess was around £400 but thats only cos that was minimum for young drivers, £750 is just far too much risk imo.

 

[Pep]

my excess in total is about £1020, standard it is £770 or something, so I just decided not to crash my car then the excess doesn't make any difference to me!

 

[Vish]

my excess in total is about £1020, standard it is £770 or something, so I just decided not to crash my car then the excess doesn't make any difference to me!

But if someone crashes into you, then you wont get your excess until they accept liability. A grand is a lot to me and no way I'd be able to get back on the road without it. Although my car is less worth than £2k and I'm a student with no savings

 

[Paddy_g46]

my excess in total is about £1020, standard it is £770 or something, so I just decided not to crash my car then the excess doesn't make any difference to me!

pmsl! oh thats ok then lol i should have made sure i didnt want to crash my car 2 years ago, because then i wouldnt have crashed

 

[Pep]

my cars worth about £4k.
thing is if someone crashed into me then I'd have a courtesy car, so like I did last year, I just left my car at the garage and used the courtesy car until i got it in writing from the other side that liability had been accepted, then i rang my insurance, told them to waive the excess, job's a good'un.

Plus if you get it fixed through the third parties insurance you don't have to pay your excess, only if like me you do it through your own.

Also adding £300 to my normal excess took £280 off my policy...

And I've always kept £2k in the bank for an emergency so could pay it if needs be.

 

[Pep]

my excess in total is about £1020, standard it is £770 or something, so I just decided not to crash my car then the excess doesn't make any difference to me!

pmsl! oh thats ok then lol i should have made sure i didnt want to crash my car 2 years ago, because then i wouldnt have crashed

haha, I could of given you that advice if you'd have only asked :star:

 

[dk]

i always bump my excess up to the max, if it means a lower premium then great, its saved me money over the past 10 years, and that money I have saved will easily pay for the excess i currently have so i'm not bothered.

I hardly think its the daftest thing I have heard on here though, far from it really, infact i think the OP has owned himself as it seems lots of others also think the way of higher excesses!

 

[Toypop]

Paying £1150 on the bike with a £600 excess.

Thing is I would quite happily have a £1000 voluntary excess.

I say that because if I had to claim anything up to £1000 I would pay it out of my own money. The reason being that if I had to make a claim then because I don't have enough NCB to protect etc the net effect would be that my premium would go up to £5000 or something and I'd have to sell the bike anyway! So seeing as the repair would come out of my pocket rather than claiming I might as well benefit from a lower premium!

 

[Brand86]

I put my excess as high as possible as it came directly off my premium, which to me is stupid.

Pay £100 now, or have the possibility of paying £100 if you crash...think I will go with the latter, thanks for asking...

 

[rctempire]

Thats true DPA!! DPA!!

Shhhooost then lol

Ill tell someone whos called "your boss". Plus the fact your ment to be working woman.


My insurance is standard excess of £250 - Third Party, Fire and Theft. Couldnt change the excess due to TPFT.

 

[Dubai182]

Have to agree with Dave on this one, I see far more ridiculous comments on here everyday than that.

 

[jonnyboy]

obviously cant have been on the site long if thats the daftest quote you've ever heard!

When I was under 25 I always had a high excess like £7-800 as it brought the premium down by a couple of hundred quid at least

 

[Peperami]

Cant see why thats so daft craig.

As a young driver its going to cost you far more than £750 if you choose to claim, by the time you've paid your excess (£500 for under 25's) and considered loss of no claims discount, rise in insurance premium the following year etc etc.

 

[geordieracer]

i volunteered to have a voluntary excess of £450 but when i got my policy they made it £135 without raising the premium, well happy.

 

[adammichael]

orite if u have the 750 spare

 

[MarkCup]

I bump my excess up. As above, savings over the years have more than paid for the risk of it being at the current higher level.

 

[geordieracer]

i always understood that even if someone crahses into you, you have to pay the excess untyil the claim is sorted. So it doesnt matter if its your fault or not, the excess will still have to be paid initially, so is everyone saying they can afford to just shell out £750 in a oner?

 

[Oggy997]

Thats why I have an Overdraft

For my younf drivers excess.

I was fortunate enough to be in a position where (for my last car) I could afford to crash it without reprisal unless there was a 3rd party.

 

[cat171]

Hmm, I guess it's just me then. I just think it's sems a silly thing to do, oh well.