insurance having a giraffe when I want to change cars

[lisbon_road]

OK.  I have a Mk3 Astra, 1.4, insured with igo4.com which I regret but a long story.

 

It costs £140 a year with business insurance because I'm old and that is the only advantage of being old that I am aware of.

 

Few of my friends know this, but I tend to buy and sell the odd motor and try to have another one for January and Feb to keep mine pristine and avoid the salt.

 

Was given another Mk3 Astra a few days ago, also 1.4, same year.  So what will it cost to change the car over?

 

£260.  Someone is taking the proverbial.  Would clearly be cheaper to cancel the policy and start again. 

 

Actually was given another Mk3 Astra the week before which is a P reg twin cam (ooh the power) so I tried that.  £360!  I admit that has been written off, so that might load the quote? 

 

 

[hauserplenty]

 

COZ ALL VOXLLZ R SHIT.

But seriously, folks. Insurance in GB sounds like the proverbial compared to ours, so not all the grass is greener ah wreckon.

[DodgyBastard]

I was with Igo4, they are a shower of cunts and the cancellation fee is also extortionate 

[maxpower]

 they are a shower of cunts 

 

That about covers them all

[PhilA]

Yup. Costs me $66 a month to insure the GTA, and that's on a 7500 mile per year policy. AND I got a good driver discount.

 

They gotta offset the cheap gas somehow. Between three vehicles my monthly insurance sum is $410. Nice neighborhood also, low crime ZIP code.

 

Greener grass and all that...

 

Phil

[nisfan]

Im with admiral, have 4 cars on the multicar policy and am constantly changing cars around, im not sure on admin fee but doesnt seem much, they have never wondered why i change so much, privelage wouldnt let me change more than twice and wouldnt insure a 924 as it was a 'prestige' car, twats.

[Junkman]

BRITISH CAR INSURANCE QUOTE

 

 

1. You are head of a household and the sum of the ages of your spouse and dependents, minus the ages of your cars, is divisible by a whole number. (Use Supplementary Schedule if cars are SORN but cluttering your property.)

 

2. Your Non Claims Bonus does not exceed your Non Claims Bonus (except where applicable) and you do not have any convictions prior to 1903.

 

3. You have a full UK licence and not a foreign licence, except a 'foreign' licence. (Warning: having a foreign 'licence', except a 'foreign licence', may result in a fine of £125,000 and 25 years' imprisonment.)

 

4. The insurance is for one of the following: married and named driver; married and no named driver; not married and no named driver; jointed but not driving; other.

 

5. Do you intend to drive wholly, or partially but not primarily, or wholly and partially but not primarily, in countries other than the United Kingdom? (if uncertain, see Leaflet 212W, 'Countries That Are Not The United Kingdom')

 

6. List the contents of your garage. Include all electrical and non-electrical items, but do not include electrical or non-electrical items listed on your House Insurance policy.

 

7. Under 'Claims', itemise all claims over the past 23 years of more than £1, and include verification. If you have had dental work and you are not claiming a refund on the oil spill allowance, enter your shoe sizes since birth and enclose specimen shoes. (Right foot only.) Multiply by 1.5 or 1,319, whichever is larger, and divide line 3f by 3d.

 

8. If your children are dependent but not living at home, or living at home but not dependent, or dependent and living at home, but hardly ever there and  you do not want to include them as named drivers of a car weighing in excess of 3,500 Kilograms dead-weight (3,450 kilograms if you were born in Wales), you must complete and include an Excess Weight Non Exemption Form.

 

9. On pages 924-926, Schedule D, enter the names of people you know personally who are immigrants and/or use drugs. (Use extra pages if necessary.)

 

10. To compute your estimated insurance premium, add lines 27 through 964, deduct lines 45a and 699f from Schedule 2F (if greater or less than 2.2% of average minimum estimated total motoring convictions for the last five years, divided by the number of Little Chef meals consumed in 1996), multiply by the number of RPMs your car registers when stuck on ice, and add 2. If line 997 is smaller than line 998, start again.

 

11. In the space marked 'Payment Due', write a very large figure, followed by your sexual orientation and smoking preference.

 

12. If you have any questions regarding your insurance, or require assistance, call 0845-ENDLESSLOOP.

 

 

 

INSTRUCTIONS

 

Type all answers with a black pen. Do not cross anything out. Do not use abbreviations or ditto marks. Do not misspell 'miscellaneous'.

Write your name, address and national security number, and the name, address and national security numbers of your spouse and dependents, in full on each page twice. Do not put a tick in a box marked 'cross' or a cross in a box marked 'tick'. Do not make anything up.

 

 

Thank you and have a safe 2015. Failure to do so may result in a fine of £125,000, a claim not being paid and a long walk to the cooler.

Terms and conditions apply.

[2MB]

I've just had to buy a car of the same make and model to get the Mrs back on the road, as changing even to something of the same group would earn me a bumming. Bumming you for swapping to a car of the same make and model is really taking the piss!

[Craig the Princess]

Wouldn't another policy be cheaper, even if you kept the mk4 taxed for the two months?

[beko1987]

Ive got an admiral multicar policy too for me and swmbo, when I bought the zx I added that on, which upped the dd from £120 to £160. When I sold the xm a d took it off it dropped to £110.

 

I thought it was fair anyway

[Junkman]

What exactly did you think was fair about that?

[New POD]

Threaten to cancel the insurance. Then Cancel it.

 

I paid half my son's £1400 a year insurance on a 1.6 16V Mk4 astra, with me, and the wife as named drivers.

 

3 months later he moves to North London, to take up an industrial training year/internship/year in industry in a Medical Research Organisation whilst also being a final year MCHEM student at York University.

 

His insurance company wants an extra £750 for the remaining 9 months.

 

In the end he cancelled and went with a student friendly company for £682 for 12 months. I got money back.

[EssDeeWon]

Ive got an admiral multicar policy too for me and swmbo, when I bought the zx I added that on, which upped the dd from £120 to £160. When I sold the xm a d took it off it dropped to £110.

 

I thought it was fair anyway

 

You dont pay £110 a month direct debit do you, surely?

[rainagain]

I love the random number generator they use:

Start of this year insurance with Alfa ~£19 a month

change to Megane ~£23 (rise due to admin fee)

change to Stilo ~£21 (lower insurance group absorbed admin fee)

change back to Alfa £42 (coz it's a powerful car innit and another admin fee)

 

This was through robbing ba$tards Hastings Direct. They couldn't give me an answer as to why my policy was more than twice what is was at the start of the year.