GolfGTIforum.co.uk

General => Insurance => Topic started by: mikejones401 on 15 July 2010, 00:58

Title: Think iv been ripped off a bit :(
Post by: mikejones401 on 15 July 2010, 00:58
Just brought my insurance today I paid £1534 for 10 months but after that I get another year no clames :) does that sound like a good deal or not?????
Title: Re: Think iv been ripped off a bit :(
Post by: mellow yellow on 15 July 2010, 11:09
how old are you?
what car do you drive?
when did you pass?
where do you live?
any points?
any other drivers?
excess?

i do it for a living  :wink:
Title: Re: Think iv been ripped off a bit :(
Post by: adi on 15 July 2010, 17:30
i had a policy like this once (accelerator policy) and found the year no claims did not transfer, was not classed as a years no claims, to a different policy (company) after 10 months, or have i been rippped off and lost a years no claims.
Title: Re: Think iv been ripped off a bit :(
Post by: Shady Pioneer on 15 July 2010, 17:36
i had a policy like this once (accelerator policy) and found the year no claims did not transfer, was not classed as a years no claims, to a different policy (company) after 10 months, or have i been rippped off and lost a years no claims.

+1

I was with Admiral for the accelerator, then went to Adrian Flux who said it wasn't a proper NCB, only able to be used with other companies that offer such a policy (Bell, Elephant, Direct Line). So if you can get them to change the policy to a 12 month policy, you will have to pay more but it'll be worth it in the long run, otherwise you'll have to stick with that band of insurers which might now always be the best for you.
Title: Re: Think iv been ripped off a bit :(
Post by: mikejones401 on 16 July 2010, 02:53
Am 21
car is 1.8 20v turbo 150bhp
live in Bridgend
passed 2years ago
clean licance
put my mum on it to make it cheaper
exces is 600
is that any good
Title: Re: Think iv been ripped off a bit :(
Post by: 2001gti4 on 16 July 2010, 09:39
Sounds okay(ish) did you try any comparison sites or the companies listed here?
Title: Re: Think iv been ripped off a bit :(
Post by: will gti on 16 July 2010, 09:47
im 22
cardiff
passed 4 years
clean sheet
250 xs
1 yr ncb

690 ish tpft

yours sounds a bit steep tbh
Title: Re: Think iv been ripped off a bit :(
Post by: mellow yellow on 16 July 2010, 10:29
Am 21
car is 1.8 20v turbo 150bhp
live in Bridgend
passed 2years ago
clean licance
put my mum on it to make it cheaper
exces is 600
is that any good

if that fully comp its sounds good to me. But as mentioned be careful with 10 month policies. the bonus is not always transferable.
Title: Re: Think iv been ripped off a bit :(
Post by: mikejones401 on 16 July 2010, 20:49
Ok thanks lads
 I was in Cardiff last night lol
Title: Re: Think iv been ripped off a bit :(
Post by: will gti on 16 July 2010, 22:02
ah yea... out on the razz was it ? not a bad night out, i dont go much anymore tho
Title: Re: Think iv been ripped off a bit :(
Post by: Ben Lessani on 16 July 2010, 23:59
I was with Admiral for the accelerator, then went to Adrian Flux who said it wasn't a proper NCB, only able to be used with other companies that offer such a policy (Bell, Elephant, Direct Line). So if you can get them to change the policy to a 12 month policy, you will have to pay more but it'll be worth it in the long run, otherwise you'll have to stick with that band of insurers which might now always be the best for you.

Most insurers that will take the 10 month NCB as a full years without even knowing if you change your policy to a 12 month policy for the last year of it.

Then as far as the proof of NCB is concerned, it shows X years and a 12 month policy :)
Title: Re: Think iv been ripped off a bit :(
Post by: mikejones401 on 17 July 2010, 02:04
ah yea... out on the razz was it ? not a bad night out, i dont go much anymore tho

na just ain't been around there for a bit like so just had a random drive got lost 5 times but asked loads of people :) one man write down the directions love him lol :)
Title: Re: Think iv been ripped off a bit :(
Post by: mikejones401 on 17 July 2010, 02:07
Am 21
car is 1.8 20v turbo 150bhp
live in Bridgend
passed 2years ago
clean licance
put my mum on it to make it cheaper
exces is 600
is that any good


Yer it's everything she started selling me every thing like break down cover and loads of stuff els like grr at her :) but I was just saying yes to get back on the road in it lol only bad thing is last year I could drive anyone car this year I don't think I can grrrr lol :) 
if that fully comp its sounds good to me. But as mentioned be careful with 10 month policies. the bonus is not always transferable.