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insurance pain


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26 replies to this topic

#1 OFFLINE   bones96

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Posted 08 February 2008 - 06:11 PM

right ive been a naughty boy in the past got 3 black marks on my licence but hopefully pass my test monday been trying to get qoutes for a 1.4i fietsa but all i seem to get are quotes over £1000+ which i think is taking the piss ive got 2 ba10,s and 1 in10 1 ba10 and thein10 are due to come of in june any body no of a insurance company for bad boys like me trying to go straight?????bearing in mind i got no points any help ???
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#2 OFFLINE   pandamonium

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Posted 08 February 2008 - 06:13 PM

My first insurance was £1040 on a 1.0 Polo!

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#3 OFFLINE   Volksy

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Posted 08 February 2008 - 06:20 PM

14 years ago as a newbee driver I was paying £500 on a Mini 1100 Special.. So that doesn't look too expensive to me.'Fraid if you've racked up loads of points before you've even passed your test most insurance companies won't touch you with a barge pole.You could try those companies that advertise in Lax Power and the like, but I wouldn't expect them to be overly cheap.I've just reinsured my Saab third party, after driving pool/rental cars for the last few years or being on a generic company policy, and they're charging me just short of £400. I'm 31 and have never claimed and have a clean licence (god knows how). The company i worked for no longer exists, so I dont have any no claims. Bah!

#4 ONLINE   Richard

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Posted 08 February 2008 - 07:01 PM

Although points only count on your licence for three years and stay on it for four, most insurance companies count them for five years. Why not strike up a conversation with some local boy racers? If anybody knows where to get the cheapest insurance for bad boys it'll be them. To be honest £1000 doesn't sound that bad though, you'll have to console yourself with the fact that it'll go steadily down over the years.

#5 OFFLINE   bones96

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Posted 08 February 2008 - 07:25 PM

[quote name="Richard"]Although points only count on your licence for three years and stay on it for four, most insurance companies count them for five years.

just rechecked my licence and 2 of my endorsements should of come of last june so i only have 1 now so thats half a result
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#6 OFFLINE   wuvvum

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Posted 08 February 2008 - 07:26 PM

That sounds about par for the course from non-specialist insurers. When I got my license back after being banned for a year for speeding I got a quote of £1200 from Adrian Flux to go third party only on an Austin A35 :roll: . Compare that to the £960 I was paying at the age of 19 (but with a clean license) to insure a Saab 9000 Turbo. Most insurers will charge you through the nose if you have points. Might it be better to hold off a few months until some of your endorsements come off and you can get a more sensible price?

#7 OFFLINE   bones96

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Posted 08 February 2008 - 07:28 PM

just had a quote for 510.90 thats better than the 1000+ i was quoted before
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#8 ONLINE   Richard

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Posted 08 February 2008 - 07:37 PM

Grab that one while you can. After a misspent youth I'm now as clean a driver as you can get, in a low risk postcode, and my insurance wouldn't be far short of that without the NCD.

#9 OFFLINE   wuvvum

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Posted 08 February 2008 - 07:41 PM

Yup, £510 sounds pretty reasonable. I'd say go for it too.

#10 OFFLINE   pogweasel

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Posted 08 February 2008 - 09:02 PM

Grab that one while you can. After a misspent youth I'm now as clean a driver as you can get, in a low risk postcode, and my insurance wouldn't be far short of that without the NCD.

LOL. I kept a clean licence for over 10 years before getting knobbed in the bum by GATSO's twice in a year. Anuses. Still, I live in a "very good" area, which helps a bit.

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Posted 08 February 2008 - 09:18 PM

I tend to buy cars because they cost less than 200 quid and I'm old, so insurance groups are something I know nowt about. On that basis, isn't there something lower rated that the Fiesta you could go for? Unless you've already bought it, of course...

#12 OFFLINE   wuvvum

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Posted 08 February 2008 - 09:23 PM

I tend to buy cars because they cost less than 200 quid and I'm old, so insurance groups are something I know nowt about. On that basis, isn't there something lower rated that the Fiesta you could go for? Unless you've already bought it, of course...

That was my logic with the A35. Didn't work. I got a trader'spolicy in the end for £450 less than what Flux had quoted me for just the Peanut. I never have really understood how insurance premiums are worked out... :?

#13 OFFLINE   Pillock

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Posted 10 February 2008 - 01:27 PM

Unfortunately the BA10 and the IN10 are really going to count against you.... insurance companies often don't give much of a stuff about the odd SP30 these days, but the IN10 is a bit of a two-fingered salute to them :(I got a good deal from Elephant, when I was a youngish (20) driver on a fastish (Group 14 Polo G40) car - £540. That's living in a bit of a hellhole too. However that was a clean licence.You should remember that although the offence can come off your licence after 4 years, if the insurance company specifically ask for any offences in the last 5 years you have to tell them, even if they're no longer down in print. If you don't, and they find out, you're going to be pretty uninsurable for a while!

#14 OFFLINE   MrRegieRitmo

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Posted 10 February 2008 - 06:36 PM

So what do BA10, IN10 & SP30 stand for? (I know they're motoring offences, but specifically what?)

#15 OFFLINE   pandamonium

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Posted 10 February 2008 - 06:40 PM

I know sp30 is speeding in a 30 zone, but the others I'm not sure...

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#16 OFFLINE   Mr_Bo11ox

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Posted 10 February 2008 - 06:55 PM

http://www.lawonthew...esandpoints.htm

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#17 OFFLINE   pandamonium

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Posted 10 February 2008 - 07:10 PM

I got a CU20 for having a loose battery!!!!

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#18 OFFLINE   Mr_Bo11ox

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Posted 10 February 2008 - 07:27 PM

Miserable gits!I had a couple of CU somethings for towing trailers with shonky lights etc.

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#19 Guest__*

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Posted 10 February 2008 - 07:27 PM

How did they notice that one, did it drop out and bounce down the road?

#20 OFFLINE   Mr_Bo11ox

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Posted 10 February 2008 - 07:30 PM

LOL, Did you hit them in the face with it?

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#21 OFFLINE   Richard

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Posted 10 February 2008 - 07:44 PM

I've had three SP30s and a CU30.For each of the SP30s I was booked for doing 14mph over the limit, once in a 30, once in a 60 and the last time was in a 50. I was actually asleep when I got the last one but the police either didn't notice or ignored it.

#22 OFFLINE   wuvvum

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Posted 10 February 2008 - 07:51 PM

MS30 Play street offences..........

What the Dickens is a "play street offence"? Sounds almost like a JDM minivan. :?

#23 ONLINE   Richard

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Posted 10 February 2008 - 07:56 PM

A Play Street is a street where no vehicles are allowed, except for access. I don't think I've ever seen one and I'd be surprised if they are still called that.

#24 OFFLINE   pandamonium

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Posted 10 February 2008 - 08:02 PM

Spot check. Alan: Will this take long as I've just finished night shift and I'd like to get to bed?Plod: It's just a routine check.Alan: You won't find anything wrong with the car, the MOT is barely a week old... (Shows certificate)Plod: Your battery is not clamped down, thats 3 points and £60 fine..........You can imagine how the rest of my day went, trying to find out why the hell that happened. Apparently if, in an officers opinion, your vehicle is not roadworthy, their decision is pretty much final.

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#25 ONLINE   retrogeezer

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Posted 10 February 2008 - 08:13 PM

Plod: Your battery is not clamped down, thats 3 points and £60 fine..........

It should have failed the MOT on that, I'd have been back to the garage to ask what else they might have missed.
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#26 OFFLINE   r.welfare

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Posted 11 February 2008 - 09:13 AM

Obviously long after the event, but if the ink on the MOT was still drying I'd have contacted the DoT and got them to come down on the tester like a ton of bricks, apparently you can get an MOT investigated within 6 weeks of the certificate if you suspect it's dodgy. Like I should have done when my 405 saloon got a clean ticket with no rear brakes and bushes that would have allowed the rear subframe to drop out... :roll: Back on topic - Bones, I think you'll struggle to get a good deal if you've been done for driving without insurance and while disqualified (!), but good luck to you.

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#27 OFFLINE   Richard

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Posted 11 February 2008 - 08:54 PM

He did get a fairly good deal in the end.




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