GolfGTIforum.co.uk
General => Insurance => Topic started by: J66KE B on 03 December 2008, 14:07
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Im 17 and am currently insured on a 1.4 8v polo with tesco for £1600 quid - I know its a rip off but it was the cheapest at the time!
Bear in mind I will be just over 18 when I come to take the policy out with 1 years no claims!
I've been looking at different insurers for a anni 1.8t [180] after 1 years no-claims (don't laugh just yet) and bell came out cheapest fully comp at 1700 quid (which is still really good for my age!)
Anyway, i went on bell's site and tweaked a few things to make sure it was all correct - then added my mum, dad and nan onto the policy :grin:
It came out as 1329 which I was startled by - I started messing some more and after taking my dad off it went down to £1159!
I've checked the policy and it's all correct, plus it allows me to drive any other car 3rd party and you can buy online so I wouldn't even have to speak to anyone!
what does everyone think!?
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18 with 1 YNCB on 180bhp 1.8T @ £1159. Sounds too good to be true, that is far too cheap. Only thing I can suggest is double check that you have done everything right. If it is right them wow, that is an AMAZING price and fair play.
There is a guy selling a lovley black anni over in the for sale section.
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Checked and checked again mate :grin:
And yeah i've seen that one - really nice but with 78k on the clock at 10 grand.. i dont think so.
Just seen a mint one on autotrader with 27k and its £7500 :smiley:
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lol he is never going to get 10k for it.
I cant belive how cheap that is at 18! Im 21 and my MK5 is a good couple of hundred quid more than that.
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Cheapest I found on a 1.8t 150 was £2200 with admiral :undecided: I'm 18 and got 1 years NCB and paid £869 on my 1.6 Driver.
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^ Thats more the price I was expecting. The Anni is insurance group 16 aswell, the 150 GTI is 14.
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thats crazy cheap, i would double check it all carefully....if it looks too good to be true it often is! If it checks out then thats an amazing deal and i would grab it while you can as i wouldnt expect them to be doing it for long! :smiley:
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well mate, ive just gone to renew with hic after a tidy quote last year.. added my mods this time and its gonna cost me 700 quid and thats on a 2L 8v mk3 golf gti.. so i tried bell as i used to be with them, all mods declared, with a crash noted also, adding my missus, gave me a quote of 457 and again thats any other car 3rd party and windscreen insurance, legal expenses too...
Dicky
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I've used Bell for the past 2 years, never claimed, touch wood! But my policy was @ 20 yrs old, 1.8 GTi MK2, 0 NCB, 3 Years experience, Me and Mum on policy - £500 TPFT ~ £600 Comp.
Now I'm 22 its £300 TPFT ~ £450 Comp.
Bell are the cheapest insurers in the world, and they're the only ones to cover me to drive other peoples vehicles 3rd party.
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sounds a good price, not too good to be true i dont think. I've seen better than that with some of my mates, but thats still a damn good price. I think when i tried it for a 150 1.8t it was like 1500ish, thats with 0ncb and a crash, fully comp with all the extras and a 12 month policy. ohh with bell too, they are awesome!
LL ;)
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just dont expect massively great customer service etc from bell and the likes.
For example, if your with someone like HIC, brentacre, Chris Knott etc theres 4-5 people in the office, they will be able to sort out any queries quickly and they also know the cars your talking about. You can ask for the person who was dealing with you previously and they will be easily accessible or be happy to call back and give you personal service.
However with bell you can get sent to any number of call centres, or get posted through to the bombay department who think a corrado is a rover.
Having said that, never had any real problems with bell in my two years of being with them, although i never had to go through a claims process. Did mess me about with adding a car to my insurance whilst at the end of the policy though. I moved away from them in the end as they are no good if you have more than a couple of mods, and i have quite a few.
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I'm with Admiral and costing me £890 declared alloys and lowering on a Mk3 Golf 1.8 GL.
I've not got any claims, no NCB and my parents are insured as additional drivers.
I didn't think it was too bad considering I was paying Kwik Fit £1400 with only alloys declared, they wanted to charge me £2500 if I wanted it lowered. f**k that.
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Bell suck. THey might be cheap to buy insurance with but their customer service is aaweful. I cancelled a policy with them as I sold the car and they sent me my no claims proof. 3 months later they threatened to take me to court for not paying my insurance. I pointed out I had cancelled it and sold the car. THey said I hadn't cancelled it and that cause I'd told them I'd sold the car 3 months ago I had to pay an extra cancelation fee. I ended up paying £200 more than my policy was in the first place so it cost me more than if I had gone to HIC.
If you're desperate to get inurance for a fast and expensive care go for it, but I suspect if you ever have to claim you'll be lucky to get anything back out of them.
Nick
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Are Admiral just as bad then? As when Ive been getting quotes through bell it says theyre part of the Admiral group :undecided:
Gotta find someone to insure me on my planned car :evil: :lipsrsealed:
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Hi,
I used to be with Elephant who were pretty cheap, then had to move over to Admiral when I added some mods. (Elephant said we don't do modifications - although Admiral said Elephant do) anyway I didn't care because they're all the same company anyway (EUI Ltd).
EUI also own Bell, as well as a couple of other things including, interestingly, confused.com
Hmmm - wonder if the quotes on there are weighted / biased to their insurance companies?!?
Anyway, back to it - adding my mum brought the price down the same as you - I might try adding my 80 something year old grandad somewhen and see what happens there :laugh:
Always been happy with Elephant / Admiral for price and service.
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is that £1159 by paying it all in one go or monthly??????
I got some great quotes over the net from Compare etc for £550 odd fully comp but when i rang them up to ask a few things that £550 odd was only if i payed it in one go. . . was more like £900 to pay monthly.
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Bell are the cheapest insurers in the world, and they're the only ones to cover me to drive other peoples vehicles 3rd party.
I'd check that mate, generally they wont allow people under 25 to drive other cars 3rd party even on fully comp policies :shocked: You have to have that added in seperately :shocked:
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I just went on the bell website and got quoted £586 for mine. . . but from what i can see its only if you pay the whole lot now!
you have to phone to pay monthly. . . can bet the price goes up a bit!
So inless your paying the whole £1159 up front its gonna be more than you think. :undecided:
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I'd check that mate, generally they wont allow people under 25 to drive other cars 3rd party even on fully comp policies :shocked: You have to have that added in seperately :shocked:
I've been with them for 3 years and I can definately confirm that they do cover you to drive all vehicles (provided you pay for that option) regardless of age. I checked all the T&C's, checked on the telelpone and had written confirmation ;) They were the only people who would cover me for such a thing!
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I'd check that mate, generally they wont allow people under 25 to drive other cars 3rd party even on fully comp policies :shocked: You have to have that added in seperately :shocked:
I've been with them for 3 years and I can definately confirm that they do cover you to drive all vehicles (provided you pay for that option) regardless of age. I checked all the T&C's, checked on the telelpone and had written confirmation ;) They were the only people who would cover me for such a thing!
It only covers you for third party and for emergency use only and with the permission of the owner.
its in place on every policy i've ever looked on, either third party fire and theft or fully comp. reason being i was told by an insurer is if you were on the way to somewhere with a friend etc and they took ill, heart attack etc.....you could then drive the car with very basic cover covering you and anyone in a crash.
Bell ask for £14.95 for it. . . . . i get it for free with Direct Line :grin:
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yeah bell charge £14.95 for it right? free for me with Direct Line! :grin:
That's what I had to pay - still a grand cheaper than Direct Line! :rolleyes:
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That's what I had to pay - still a grand cheaper than Direct Line! :rolleyes:
+1 Bell FTW
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yeah bell charge £14.95 for it right? free for me with Direct Line! :grin:
That's what I had to pay - still a grand cheaper than Direct Line! :rolleyes:
A whole grand!!!
is this onilne or actually getting to talk to real people?
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I found that when I went with Admiral (ultimately Bell) I did an online enquiry. The quote online was £700, including declared lowering and alloys. I rang up to confirm all this and it was all correct, but there was a charge for direct debits. My overall payout is £870 on DD, however I couldn't pay the £700 in one go.
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yeah. . all online quotes seem to be based on paying it in one go! :angry: