The car insurance comparison thread

[Mk1Mad J - 16v]

Car spec Mk1 GTI 2.0 16v
Car age: 1983
Mods (lowered, remap, exhaust etc): ABF engine swap, suspension, brakes, exhaust, ARBs.
Car value: £3500 - agreed with insurance company
Car security: Clifford Cat 2 immobiliser

Driver age: 26
male/female: Male
Driver no-claims: no no claims required - classic car policy
Approx location: Winchester (SO23)
Driving convictions: SP30-  8/2004 - 3 pts + 1 fault claim and 1 non-fault claim.

Insurance cover (3rd party, fully comp) - Fully Comp
Insurance company: HIC
Insurance company tel number/website: erm... must be on here somewhere!

Insurance price: £285 (but £300 dead including the £15 agreed valuation fee)

  Why am I paying nearly twice this 

[rabbit_mk1]

Sorry, should have mentioned mine has the mileage limited as a part of the policy, I use the car mainly at weekends and on the odd occaision for work so have the mileage limited to 5k per year I think.
Also are you older or younger than me? I've found my policy prices dropping over the past couple of years (i.e. since I passed 25).

[Mk1Mad J - 16v]

Sorry, should have mentioned mine has the mileage limited as a part of the policy, I use the car mainly at weekends and on the odd occaision for work so have the mileage limited to 5k per year I think.
Also are you older or younger than me? I've found my policy prices dropping over the past couple of years (i.e. since I passed 25).

I've got limited mileage too, I only use my car socially & barely at all during the week, plus I was 31 last sunday!!! - on top of that mines only a 1.8 16v -  Are you the only driver in the village where there's no crime or something  Martin???

[martinb]

J, yours is not on a classic policy as these are usually only competitive if you own another everday car. Basically every single question you are asked when getting a quote could effect the final figure so unless your answers are identical you cant really compare. Things like where you live, your occuaption and the value of the car can have a huge effect on the premium and looking at your details your occupation is good and average area (area 15 out of 40). The fact one is a 2ltr 16v and one is a 1.8 16v does not really have much affect as they are both about the same group anyway. Without going into rabbit_mk1's policy and doing a direct comparison thats about the best explanation i can give. Classic car policys are a lot cheaper but also a lot more restrictive eg if you change cars it has to be another classic, non refundable and dont take into account any ncb.

Hope that helps/makes some sense 

Martin

[monkeyalan]

martin, why do some most insurances companys insist on trying to load me for the 3 non fault accidents i've had in the last 4 years? My company don't add anything because of them so are always the cheapest if i get quotes declaring the claims but not cheapest if i don't declare them.

cheers 

[martinb]

Hi mate, it varys with companies, with us we would not be bothered with non fault claims. I think the reason some companies load for non fault claims is because 3 non fault claims in the last 4years mean you have been claiming quite regularly and figure there must be a reason (eg you have a habit of breaking sharply)

Always disclose all claims fault or not tho....

Martin 

[benjw999]

Car spec (Driver, GTI, VR6 etc): GTi 20v Turbo
Car age: 1999
Mods (lowered, remap, exhaust etc): None
Car value: £4995
Car security: Factory

Driver age: 28
male/female:  Male
Driver no-claims: Zero!
Approx location: Manchester
Driving convictions: None

Insurance cover (3rd party, fully comp) Fully Comp
Insurance company: Admiral.co.uk
Insurance company tel number/website: as above

Insurance price: £619

[monkeyalan]

1I think the reason some companies load for non fault claims is because 3 non fault claims in the last 4years mean you have been claiming quite regularly and figure there must be a reason (eg you have a habit of breaking sharply)


Martin 

I think i'm a tw@t magnet   
every accident has been at below twenty in perfect weather in the middle of the day and has involved someone " not seeing" me and driving into the side of my car.

I'll PM you for a quote when the time comes if thats ok.

[Mk1Mad J - 16v]

Is your car black? - I'm convinced idiots don't see black cars  I can't believe the number of cars that pull out on me  yet if I drive someone elses car I never get cut up???

[monkeyalan]

nah , dragon green.  the last one , in march, drove into the rear quarter panel in his white van. It was 12 midday, sunny and i was doing about 15-20 mph passed some parked cars and his excuse was " i didn't see you , you didn't have your lights on".