Insurance quotes - What the actual f0ck?

[EssDeeWon]

How and where do these figures come from??

 

I stick in a quote for an old F reg Granada Scorpio 2.9 worth £500 and quotes fully comp are over £500 !!!!

 

So I used the registration from my old MK4 Golf GTi 20v Turbo worth £1000, fully comp is £300 !?!!

 

My BMW 330ci M-Sport was worth roughly £3000 and I was paying under £400 fully comp !

 

So what the actual fuck, are these old grannies hot property now??

[Bobthebeard]

Insurance quotes. A glimpse inside the mind of a lunatic....

[Mr_Bo11ox]

ILLOGICAL INSURANCE QUOTE SHOCKER!!! THOUSANDS JOBLESS etc.

[catsinthewelder]

Old stuff often seems to get mental quotes if you can't put it on a classic policy for whatever reason.  Look back at Breadvan trying to sell that 205 diesel (19 years old),  half the members on here wanted it but most of us were quoted more than the asking price to insure it.

[Micrashed]

Try Lancaster.

 

Mind you the excesses are a bit excessive.

[dave21478]

Secret insider pics smuggled out of an insurance companies headquarters showing their newly installed quote system.....

 

[spike60]

When I swapped a Merc CLK 320 for a Polo 1.4Tdi of the same age my premium went up. When I queried it I was told the Polo was higher risk because it was new to me, making me likely to crash it. I've been lucky, it's not got away from me yet!

[brickwall]

rover 25 higher than Rangie...go figure.

[New POD]

Just been getting quotes for my son as a surprise birthday present. 1.6 105 bhp astra club mk4

 

Car is FREE, Insurance is £1000 +/- £100 (with me and the wife as named drivers.

[Bobthebeard]

Insurance companies must start out somewhere...... What about starting up Autoshite Insurance Plc.

We all chip in a quid and insure each other for £10 a year, fully comprehensive. In the event of a claim we could just prevaricate and not pay out......Just like a 'real' insurance company!

[DSdriver]

Does anyone know why Footman James send out renewals without telling you which car it is for? - no reg number or anything on the rain-forests worth of paperwork. Perhaps its just to make you read the whole bloody lot?

[Ratdat]

When Mrs Ratdat got her ridiculous renewal quote from the AA, she got them to do a new quote...same circumstances, same car, address etc etc with the one difference that she no longer wanted to have my mate from France on her policy as a named driver. Quelle surprise... their quote was for even MORE money. The fuggin idiots.

[mercrocker]

The AA should stick to breakdown recovery, Tesco should only be selling corn flakes and the prats with the red telephone can FRO.   It's such an unnecessary bottom implant getting insured in this  country.   Why can we not just buy straightforward indemnity as a driver and then frig around with extra cover if you think your car is worth more than the premiums?    It seems that anything that drops off  the radar (like Ford  Granada Scorpios) suddenly becomes a reason to invent premiums, probably because its not on their wanky little table of Asda car-park shite that they are really only interested in.   I am extremely grateful for specialist cover and the fact that all my chod fits within that bracketry otherwise I am sure I would  be foaming at the mouth by now....

[purplebargeken]

I am with Peter Best Insurance. By far the best bloody quotes, wouldn't hurt to give 'em a call. That is madness. 

[bub2006]

Me and the wife had a x plated corsa 1.0 envoy. She was 26 and had 9 years driving and 3 years ncb,i was 24 and had 6 years,no ncb and 3 points. Insurance was nearly 800 quid tpft. We bought a vectra c straight after and the insurance was 510 fully comp. Nearly twice as much bhp. Go figure

[Justin Case]

My brokers, who are very helpful in explaining inexplicable quotes, tell me that one of the main factors is safety equipment. Modern cars with ABS and more airbags than you can shake a stick at are rated lower than older ones without them. Cost of parts is also a factor and they vary more from make to make than age. The company that I'm with also shit themselves* at the mention of anything sporty, so a 5 litre Mercedes saloon costs about the same as an 1800cc Alfa GT to insure

 

* This wasn't the exact term used by the young lady in the brokers

[bub2006]

Phone is crap but only way i get online. Post edited now i worked it out properly. Lack of sleep

[EssDeeWon]

Try Lancaster.

 

Mind you the excesses are a bit excessive.

 

Thanks for that tip off! Just got £155 fully comp on the 2.9 Granny Scorpio

[barefoot]

Well curiously today was my ring around for quotes day & I thought I'd treat myself to a RIAS over 50 quote.

First - Magazine editing is a hazardous occupation!

Sitting at a mac responding to e-mails?

Spoke to underwriter - oops

But a 27 year old 944 is a high risk motor - so No.

 

Out of interest, can you do an 87 Scirocco

Wow - yes - £157 comp £250 XS

So they're a bit overpriced on that then

 

So much for RIAS over 50's specialist insurance for the elderly then.

 

I did phone the Caravan Club for a laugh who amazingly came up with £137 comp £250 XS on the T2.

So we'll be bumping off Safeguard/Swinton at renewal time then.

[barefoot]

I can tell you how quotes used to work in the good old days when I was man from the pru.

 

It was points make prizes

Sadly, I never kept my rates book but it used to go like this;

 

Postcode - X points

Age of driver - X points

Number of drivers - X points

Occupation - in the old days we just had a short list of stuff we couldn't do

Type of car - refer to book - group rating - 1 to 9 points

Age of car, a sliding scale of points going down until at about 15 years there were no points to be added.

Value of car - in '85 we only added points above £10k when a Cavalier was about £6k new

more points for TPFT or Comp

+ a constant which changed annually when we put the prices up

 

and that was your lot

Add up the total, ask about NCD and read across the table

 

In short, a worthless, old car used to be the cheapest things to cover

and the pru rated ALL vans in group 2!

[Stanky]

I got my quote through from Swiftcover for the Almera for next year, due to me accumulating another years driving and another years NCB, the price inexplicably rose by £50 to £445.

 

Outrageous, thought I.

 

So I did a new quote with Swiftcover, same driver, same car, IN FACT EXACTLY THE FUCKING SAME AS WHAT THEY ALREADY knew.

 

£256.

 

so thats getting on for 50% reduction, with the same car, and same company. I just don't understand how this works? Or is it just that people are so lazy that they don't bother to look at how much it'd be to switch, or just come to the same company as a new customer?

[Angrydicky]

Last time I go-compared the Maestro, the cheapest quote I could find was nearly £800. 1.3 engine, 23 year old driver, licence held 5 years but no NCB as I've always had classic insurance in the past. I could insure a Fiesta for half that, but for some reason the Maestro is considered high risk. Maybe it's because they're so easy to steal.

[Bobthebeard]

Performance Direct.

Cheap enough on the face of it, but try to make any changes mid term and....

£££££££££££££'s

£50 Broker fee to add named driver. No change to premium sir.

Cancel your policy as you have sold the car sir, no problem. That will be.....

£££££££££££££'s

No refund sir. Read the T&Cs

Etc.

[Danblez]

I got my quote through from Swiftcover for the Almera for next year, due to me accumulating another years driving and another years NCB, the price inexplicably rose by £50 to £445.

 

Outrageous, thought I.

 

So I did a new quote with Swiftcover, same driver, same car, IN FACT EXACTLY THE FUCKING SAME AS WHAT THEY ALREADY knew.

 

£256.

 

so thats getting on for 50% reduction, with the same car, and same company. I just don't understand how this works? Or is it just that people are so lazy that they don't bother to look at how much it'd be to switch, or just come to the same company as a new customer?

 

Sadly this is the business model for the majority of the shysters these days, they must make more money from those that don't shop around than they lose from those that do! It really doesn't leave you feeling like a valued customer.

 

Having said that even the better companies will try it on a bit. Every policy I ever renew (even if it has only gone up a little from last year) I phone them up and say I have got a better quote and it always comes down by at least £20. Therefore you never get the best quote! Always better in my pocket than theirs, you just have to accept this is the game you have to play come renewal time!

[xtriple]

I can tell you how quotes used to work in the good old days when I was man from the pru.

 

It was points make prizes

Sadly, I never kept my rates book but it used to go like this;

 

Postcode - X points

Age of driver - X points

Number of drivers - X points

Occupation - in the old days we just had a short list of stuff we couldn't do

Type of car - refer to book - group rating - 1 to 9 points

Age of car, a sliding scale of points going down until at about 15 years there were no points to be added.

Value of car - in '85 we only added points above £10k when a Cavalier was about £6k new

more points for TPFT or Comp

+ a constant which changed annually when we put the prices up

 

and that was your lot

Add up the total, ask about NCD and read across the table

 

In short, a worthless, old car used to be the cheapest things to cover

and the pru rated ALL vans in group 2!

I used to be an agent for the co-op and that was exactly how we worked as well. I loved it, dead easy to work out and 15% commision!

[Bobthebeard]

When I had the Porsche 944 the insurance was £140 fully comprehensive, however with the same company my MGF was quoted at £385. Both on restricted mileage etc.

Nurse! Bring me my medication... Mumble...

 

Stupid quotes are hardly a surprise, but it helps to rant...

[Pillock]

I rang Flux to insure the MGF. They "got it down to" £600 for me which was nice of them, but made all sorts of excuses why it wouldn't go lower - amongst them, the car is too low value! Also I didn't have another car insured in my name, which whennive told them its for social and pleasure only is pretty much them calling me a liar. They then went away to chat to a broker and could do me £450 but I'd have to take it there and then. I told them I had others to ring and he just kept repeating that I'd never find it cheaper, would I like to take it? Five times he asked me that. He sounded like he was wearing a shiny suit.

 

Footman James, £210 inc breakdown. And a much nicer man to talk to.

[derskine]

I've been trying to get classic insurance on the diesel 18.

I phoned adrian flux who told me the car isn't valuable enough to be insured on a classic policy. He said if it was worth £1500 I would get some really good prices...

[hairnet]

and he just kept repeating that I'd never find it cheaper, would I like to take it? Five times he asked me that. He sounded like he was wearing a shiny suit.

 

Footman James, £210 inc breakdown. And a much nicer man to talk to.

 

this happened with the bike 3 weeks ago - quote for ntv same as last year social only

 

until it went and was looking at mega mile 600s - 80 quid tpft but couldnt get the ££ together

 

looking at new 125 - 134 quid !!!!! new they are 2800 but i found a 200 mile ex demo for 1800 fackin ell

 

hastings quoted that - been with them 4 years now

 

got quote for kwak and it was 98 - did the go compare thing and 2nd cheapest at 76 quid - hastings

 

mad

[laser wheels]

I rang Flux to insure the MGF. They "got it down to" £600 for me which was nice of them, but made all sorts of excuses why it wouldn't go lower - amongst them, the car is too low value! Also I didn't have another car insured in my name, which whennive told them its for social and pleasure only is pretty much them calling me a liar. They then went away to chat to a broker and could do me £450 but I'd have to take it there and then. I told them I had others to ring and he just kept repeating that I'd never find it cheaper, would I like to take it? Five times he asked me that. He sounded like he was wearing a shiny suit.

 

Footman James, £210 inc breakdown. And a much nicer man to talk to.

 

I tried Footman James when insuring the Puma and when I told them Lancaster's quote was £300 cheaper the guy just said "that's cheap, I'd go with them if I was you, you won't get better than that!" Very refreshing attitude and I will happily try them again in future.

 

Adrian Flux on the other hand just boil my piss. Completely the opposite attitude to FJ, I find.