Author Topic: Got my insurance sorted guys =)  (Read 11263 times)

Jkctr

  • Guest
Re: Got my insurance sorted guys =)
« Reply #30 on: 11 July 2009, 22:36 »
hmm, london, 33 but then i add my wife, mum and dad to it which lowers the premium to 390 quid. 

funny thing is that a new mk6 is cheaper to insure than a 2nd hand mk5!


Thats really odd, I thought as far as the actual car was concerned it would be the insurance group that defined it not anything else.  I was led to believe that value didn't make any difference up to around 35k  :undecided:

Insurance group is just one factor, post code, age, ncb, experience etc etc all affect it.

If you live in a neighborhood watch area you will pay more (as more claims have been made in that area due to diligent people)

The main factor is the amount of claims from the age of the people (hence being young is expensive) Getting older makes little difference, its the fact you are part of an age group that doesnt claim as much.

Its just disgusting insurance, on of the biggest cons ever! I have paid thousands and thousands on insurance and never claimed for anything (other than my CD player being stolen, which was not my fault) I lost all my NCB and increased my premium by hundreds! Im no more of a risk but they can get money out of me and theres nothing i can do as i have to have insurance.

Saying that the biggest factor is having a girl thingy, that cuts your premium in half  :rolleyes:

Offline ub7rm

  • I live here
  • *****
  • Posts: 1,476
Re: Got my insurance sorted guys =)
« Reply #31 on: 11 July 2009, 22:46 »
hmm, london, 33 but then i add my wife, mum and dad to it which lowers the premium to 390 quid. 

funny thing is that a new mk6 is cheaper to insure than a 2nd hand mk5!


Thats really odd, I thought as far as the actual car was concerned it would be the insurance group that defined it not anything else.  I was led to believe that value didn't make any difference up to around 35k  :undecided:


Insurance group is just one factor, post code, age, ncb, experience etc etc all affect it.

If you live in a neighborhood watch area you will pay more (as more claims have been made in that area due to diligent people)

The main factor is the amount of claims from the age of the people (hence being young is expensive) Getting older makes little difference, its the fact you are part of an age group that doesnt claim as much.

Its just disgusting insurance, on of the biggest cons ever! I have paid thousands and thousands on insurance and never claimed for anything (other than my CD player being stolen, which was not my fault) I lost all my NCB and increased my premium by hundreds! Im no more of a risk but they can get money out of me and theres nothing i can do as i have to have insurance.

Saying that the biggest factor is having a girl thingy, that cuts your premium in half  :rolleyes:

I realise all that but the only thing thats changed is his car....

Hence why I said as far as the actual car is concerned...
2020 BMW 128ti
2017 Golf GTD Estate

Offline howlingmoon

  • Here all the time
  • ****
  • Posts: 377
Re: Got my insurance sorted guys =)
« Reply #32 on: 11 July 2009, 23:01 »
wow, you guys in the UK pay a lot for insurance. I pay Euro600/year for the Mk6 Golf GTI and yeah I am old at 37... cheers!!
GTI Mk6 United Grey, 18" Monza Shadows, RNS310, Executive Package, ACC

Offline koop22

  • Not said much yet
  • **
  • Posts: 72
Re: Got my insurance sorted guys =)
« Reply #33 on: 11 July 2009, 23:24 »
wow, you guys in the UK pay a lot for insurance. I pay Euro600/year for the Mk6 Golf GTI and yeah I am old at 37... cheers!!

thats cos your an old bag dear. ta ra  :grin:

Offline howlingmoon

  • Here all the time
  • ****
  • Posts: 377
Re: Got my insurance sorted guys =)
« Reply #34 on: 12 July 2009, 00:01 »
Well, isnt that what I said? That I am old? ha ha ha perhaps thats why the younger generation needs to pay more for insurance, since we need to repeat all the time! :laugh:
GTI Mk6 United Grey, 18" Monza Shadows, RNS310, Executive Package, ACC

Jkctr

  • Guest
Re: Got my insurance sorted guys =)
« Reply #35 on: 12 July 2009, 10:09 »

I realise all that but the only thing thats changed is his car....

Hence why I said as far as the actual car is concerned...

Back to my other post mate, its been crashed less as fewer are on the road (i doubt the company has even had 1 claim on it yet) so its cheaper.

Offline ub7rm

  • I live here
  • *****
  • Posts: 1,476
Re: Got my insurance sorted guys =)
« Reply #36 on: 12 July 2009, 11:19 »
Still doesn't make sense though.  Surely for that very reason they would be taking a conservative approach to pricing not the other way round.

Can't argue with the facts but it seems a bit strange.
2020 BMW 128ti
2017 Golf GTD Estate

Jkctr

  • Guest
Re: Got my insurance sorted guys =)
« Reply #37 on: 12 July 2009, 11:25 »
Its mostly because there all bastards mate lol

Offline Paling

  • Not said much yet
  • **
  • Posts: 34
Re: Got my insurance sorted guys =)
« Reply #38 on: 16 July 2009, 18:09 »
€850 a year with O'Girke, Rheindahlen Garrison for my 5dr GTi.
I'm 28 with 8 years NCB.
Deep Black Golf GTi 5dr Mk6, 18'' Monza Shadows, Cruise Control, ACC, Winter Pack, Luxury Pack, Storage Pack, Front & Rear Park Assist and Flat Tyre indicator.

Offline koop22

  • Not said much yet
  • **
  • Posts: 72
Re: Got my insurance sorted guys =)
« Reply #39 on: 16 July 2009, 20:36 »
€850 a year with O'Girke, Rheindahlen Garrison for my 5dr GTi.
I'm 28 with 8 years NCB.

not a bit expensive??. iv got 1 years ncb and therefore u can guess my kind of age and ive been quoted 1250. seems like your post code is a poor one