Insurance quotes - What the actual f0ck?

[Leyland Lawrence]

Insurance on a £16k 2010 Z4 for me fully comp £220

Insurance on a £1.6k 125cc Vespa fully comp £270

 

Madness

 

Rudest company I have dealt with has been MSM insurance who I now avoid at all costs. I would sooner pay £100 more elsewhere than deal with them.

 

Footman James and Lancaster Insurance have always been great for me in all respects.

[HillmanImp]

I rang up Adrian Flux the other day. First girl was totally clueless and put me through to someone else who really did not help. However I rang back a bit later and spoke to a chap called Steve who was totally brilliant and will be getting an email bigging him up. He went away, spoke to several insurers gave me several options and managed to get me a deal that actually suited my exact needs.

 

Like anything it depends if you get someone who likes their job on the service you get. Sadly because these companies are all profit driven, half of them probably don't pay the staff on the ground floor enough as the money will go to the top floor and shareholders, so you are most likely to get someone who is counting down the seconds to Friday, so that they can head straight out to get ripped to the tits on drugs n'that to forget that they need to go in and face the eternal drudgery of work on Monday, in a job that only just covers the monthly bills.

 

This probably applies to my last post in the GOM thread too.

[Pillock]

My Flux guy was helpful, and enthusiastic.... Just seemed to more be company policy that made my quote ludicrous. I think they are more interested in older people with an E-Type in the garage.

[Junkman]

A few years back, we tried to insure the Junkwoman's car with Sheilas' Wheels.

Imagine my surprise and right old roffler, when it turned out cheaper, by putting me as a named driver on the policy.

[Ghosty]

I passed my driving test last November.

I haven't been in the driver's seat since, and yet like-for-like insurance quotes (admittedly from comparison sites) have halved despite me having zero experience. 

Still unfairly expensive though, £4.5k for a Mk2 Granny estate, £2-3k for 998cc Minis and Metros.

The problem isn't sexism in insurance, it's ageism against the young. Why can't we have a system like the US where insurance is based on car not driver? 

[Pillock]

A few years back, we tried to insure the Junkwoman's car with Sheilas' Wheels.

Imagine my surprise and right old roffler, when it turned out cheaper, by putting me as a named driver on the policy.

Snap, but with Diamond.

[Pillock]

 

 

The problem isn't sexism in insurance, it's ageism against the young. Why can't we have a system like the US where insurance is based on car not driver?

You do realise, if they abolished age relayed risk calculations we'd ALL be paying £3k for a Metro or whatever. All the sexism ranting did was make both sexes pay the higher figure.

 

Sadly, young drivers are far more likely to have a crash, this is how insurance works.

[HillmanImp]

Sadly, young drivers are far more likely to have a crash, this is how insurance works.

 

 Can confirm. Was young once, did crash.

[warren t claim]

Count yourself lucky you don't pay £280 a month like I have to for third party only hire and reward.

[Matt]

On the contrary my first policy when I was 17 with under one year of having my license was about £750 on an £800 car. I'm now 21 with 3 years NCD and a £700 car ('02 Suzuki Swift GLS) and the last time I renewed (earlier this year) I paid about £380. Haven't crashed yet.

 

I have noticed that the major contributing factor to insurance premiums for young drivers is where they live, if I moved to Manchester goodness knows what I would have to pay, a fuck load more than £400 anyway. A mate of mine (male) ended up getting the cheapest quote with one of those female specialist insurers, they wouldn't know logic if it slapped them across the face.

[inconsistant]

Performance Direct. £134 renewal for the Porsche 924, fully comp SDP including commuting, with wife as 2nd driver, £50 excess.

 

Got a quote from Footman James and it came out at £155 without commuting cover, so I'll be sitting back and letting them help themselves to a DD from my account 'up to 7 days before the policy is due to be renewed.'

I say sit back, I'll actually be bent over biting down hard on a towel, but you know, cheap is cheap!

[Partridge]

As moderns get harder to half inch, shite becomes more desirable to thieves. There was an article in I think Classic Car Buyer about that a while ago. Not only that but old Fords are easy to get into and nick. All you'd have to is show a screw driver to one, and it will break its own windows and drive itself into the nearest field and set fire to itself before you can say "pikey".

[EssDeeWon]

Very true - I was getting quotes of nearly £500 to insure a tatty old Granada 2.9 Scorpio worth scrap.....however my BMW 330ci Sport was something like £350 fully comp!!

 

I can only imagine this is for the reason mentioned above, easy peasy to nick.

[cms206]

My favourite quote of ever was about £3700 for an H-reg 1.4 Cavalier L. About 8 months ago.

 

When I was 20 I was paying £675 for a Cavalier SRi parked in the street.

[Partridge]

Very true - I was getting quotes of nearly £500 to insure a tatty old Granada 2.9 Scorpio worth scrap.....however my BMW 330ci Sport was something like £350 fully comp!!

 

I can only imagine this is for the reason mentioned above, easy peasy to nick.

Wish I could insure a car that cheaply!