Insurance...am I buggered?! :-(

[DavidGTi]

Hello chaps, I know no-one likes the insurance post...but I'd be grateful for a bit of advice here...

My policy a year with elephant for my Mk2 GTi (mods known) is just under £400. Elephant despite being cheap have god awful customer service and won't give me a new quote right up until my renewel date...however in October I'll be 1 month into basic training so I doubt I'll have the time to be messing about with non-english speaking people about car insurance!!!! 

Now come renewel time, October, I'll have 2 years NCB (with elephants 10month scheme...yeah, I know) and be 1 month away from the magic age of 25.

Now here comes the tricky bit - since last year I got busted for doing 100mph+ on the motorway and thankfully I got no ban, but I did get 5 points for my trouble.

Also, I'm HM Forces...which I believe also jacks up the policy as 'they' think we are all crazy young fools with high disposible income and therefore a risk.

I also normally add my Mum to my policy (saved me £80 last year) and I also add the girlfriend (adds £80  )...however the plot thickens as since my policy began last year both these lovely people have written their cars off...so that'll also add more £Â£Ã‚£ to my renewel cost.

So am I buggered?

24years 11months of age
2 years NCB
SP30 and 5 points
Good post code, kept in garage
8000miles a year
lowered -40mm
exhaust
air filter
Mk2 GTi
HM Forces

[RandomJord]

dont put your mum or missus on it, its only £80!



and elephent are shiiiiiiiiiiiiiiitt (see my thread in nonsence) load of cock, im goin with tescos now

[Hypermonkey]

Try Adrian Flux or Martin from HIC...see the good guys section on the main screen.

[martinb]

one speeding offence is not normally the end of the world, with us it does not even normally load anything, who hasnt been done for speeding these days?

If the named drivers have had claims then just take em off, again based on what we do then the policy is rated on the highest risk driver so at best they dont effect the premium, at worst they put it up!

HM forces - tends to vary on what you do in the forces eg engineer, officer etc so some get loaded some get discounts

Its worth waiting til 25 if you can as every year older you get the premium drops a little (until you get proper wrinckly then it starts goin up again   )

10 month policies - a gimmick and a bit of a waste of time as only a few companies will accept 10 months as a years ncb (obviously cos its not!), its a way they can trap you into staying with them but we can sometimes accept it on referal.

Obviously i have based all my comments on my own personal opinions and how the company i work for looks at it but this is not necessarily the same with all companies.

Hope this helps you a bit and if you want me to have a look at what i could quote you then pm me your number and i will give you a bell (not today tho cos i finish i five mins  )

Martin  

[martinb]

Try Adrian Flux or Martin from HIC...see the good guys section on the main screen.

Cheers for the recommendation!! 

[DavidGTi]

Martin, I will indeed give you my number and full details next week.

2 years ago I went with elephant as I'd always been on my Dad's policy beforehand (have driven since 1999 with no claim ever made) and elephant were the cheapest...but I'm starting to see why.

If I were to go with another company they'd have to take my 2 years NCB into account, at the very least I'd be getting a 12month policy this time with elephant with the intention of leaving them next year.

With regards to HM Forces, I'll be military police soldier for 2-4years max before I have to comission to officer.

Speak soon!

[Hypermonkey]

Try Adrian Flux or Martin from HIC...see the good guys section on the main screen.

Cheers for the recommendation!! 

No worries