GolfGTIforum.co.uk
General => General discussion => Topic started by: LPG'd Oakie on 22 March 2005, 11:11
-
Hi All,
Insurance time again, so did the usual shopping around for a better quote that my renewal (from elephant) and found that Bell Direct could offer me a far better deal.
So, started playing with the quote and found that While Elepahnt charged me ?110 for having LPG, Bell charged ?10.
Then, decided to have a laugh and see how much it would add to put the missus on, bearing in mind its a 16v MK2 and she has had a licence for 2 months. ?20 more!
Lastly added my mum just in case, and that took ?5 off the premimum. BARMY!
Then, inspired by this quote, did one for the missus on her MK2 GTD, which was again less than elephant. I added myself as a named driver (SP30 and 3 Accidents in 3 Yrs :cry:), and it reduced her preimum by ?150.
Needless to say I have started a new policy with Bell direct. But the really funny thing, They are another Admiral company, just like Elephant, and even share the same offices!
Bizarre.
-
Tell me about it, added my gf at the time to one of my previous cars and policy was reduced by ?30 even though she had literally only just passed her test.
Insurance for the golf is due at the end of April and new girlfriend doesn't have a license so I guess I'd best start saving :cry:
Out of interest what are you guys/gals paying at the moment and what age/ncb/convictions/accidents you had? Last year I ended up paying ?783 FC, 23 years old, 2 years NCB and 1 speeding endorsement (92mph on Motorway?) currently with Liverpool Victoria.
Ian
-
quoted me .. ?635.20
with 3 years no claims and experience... at 29 years old.. with no endorsements..
thats fully comp without bonus accelerator ?+ 250 excess...
with 4 years no claims (what i'll have on renewal) it drops to ??585.85
bah
-
im with elephant
27yrs
7yrs NCB
no claims/convictions
?277 FC yearly with protected no claims
Business Class 1 insurance
-
when i started at uni my insurance went up for the car and suddenly my motorcycle insurance company removed the part where i get to use other peoples bikes. it makes no sense i am the same person but all of a sudden even though i have had no accidents i am more of a risk?? go figure.
-
?700 fully comp with elephant with 6year clean licence & 2 yrs no claims (touch wood)
-
?795 fully comp, Business class 1, ?400 excess - Elephant
22 (policy taken out at 21) 1 year ncb, clean lisence for 5 years. 1 accident - my fault.
-
?440 fully comp 9 years no claim no convictions or accidents, me and the missus fully comp ?200 excess
-
when i started at uni my insurance went up for the car and suddenly my motorcycle insurance company removed the part where i get to use other peoples bikes. it makes no sense i am the same person but all of a sudden even though i have had no accidents i am more of a risk?? go figure.
students = stoned drunken layabouts messing around all the time
seriously though... its likely students are more likely to have accidents.. the system is blind
-
27, no points, convictions or anything, full no-claims, all mods listed (engine, body,interior etc) fully comp and its around ?330. not too bad i don't think but not as good as gambits! mine is through HIC, but i renewed it before the golf gti discount, never mind.
who's yours with gambit and are your cars modified?
-
sorry, just saw you're with elephant! any mods though?
-
aye suspension, exhaust and split rims are all declared
only reason its so low is because of my postcode,
also, elephant quoted me ?324 for my initial renewal so i put all my details into their website with the best price being their quoted premium and it came out lower so i got on the phone and done a bit of haggling!!
-
maybe i'll shop around a bit more next time..... initially i was with admiral but when i put my cam in i phoned them up to tell them and they cancelled my policy! tried a few others but HIC came out the cheapest and they seemed to know exactly what i was talking about which makes a change!
-
HIC are dead on till you go to claim, then all hell breaks lose (supposedly) - i was with them initially cause they where so low but do a search on HIC on clubgti and you'll find out a lot more. alot of clubs wont even be associated with them anymore
i probably would have stayed with them except elephant where lower
EDIT: tell a lie!! the reason i left them is that they wouldnt cover me Fully comp if i took the car to N.Ireland at any point in time!!!
-
when i started at uni my insurance went up for the car and suddenly my motorcycle insurance company removed the part where i get to use other peoples bikes. it makes no sense i am the same person but all of a sudden even though i have had no accidents i am more of a risk?? go figure.
students = stoned drunken layabouts messing around all the time
seriously though... its likely students are more likely to have accidents.. the system is blind
still would of thought past driving record would of counted for something, i mean with the bike they removed the other peoples bike bit in the middle of a policy.
but i would of also thought the word mature student would of been taken into account
-
N.Ireland at any point in time!!!
why would anyone want to go to Northern Ireland though?
-
by that comment ill assume you've never been
im Belfast born n breed by the way :wink:
-
To put some figures to it -
Elephant offered me a renewal of ?840 Fully Comp on a 10 month policy
Bell direct - 800 for me, my GF and my mum for 12 months, mods declared. (only LPG sys)
-
Insurance love it or hate it you must have it!
I pay £202 fully comp, protected no claims through morethan.com probably down to age (32) and post code - Scotland  :laugh:
Like gambit got renewal through and went on website and was £25 cheaper so got on the phone!!
just for laughs I put the mrs as named driver (she is even older than me and drives as slow as a tractor ) and it cost an extra £130 absolutely crazy eh?
-
mine's now £850 as I just upped the BHP. Fully comp.
23
2yrs NCB
valued at £6000 with everything declared
3pts back in '01 and a claim for 3rd party in '01