Boring Car Insurance

[Pillock]

as in insurance for boring cars.We're getting a new daily familymobile. It's dull (307SW diseasel) and I need some dull insurance. Already been through comparethemarket and confused dot com and was fairly underwhelmed, anyone got any recommendations?Cheapest so far was Swiftcover at £300, but I've heard horror stories about them being rubbish at customer services - cancelling policies without telling you etc. So I'm currently looking at esure at £380 or so.Help me before I bore myself to death.

[dollywobbler]

Try going direct to Direct Line or Tesco. I've found them pretty cheap in the past.

[pogweasel]

cheap car insurance < meercatsDirect Line for us.

[Guest]

"Insurance costs? Stupid, just stupid."

"Absolutely dreadful!"

 

Come on, everybody remembers that.

 

P.S. I would recommend not using Elephant.

[Pillock]

Direct line - £720Heffalump were about £550, and I've had no problem with them before. Just stupid really that my last policy with them was also £550, for a group 15 Polo G40, aged 21, with one years NCB. I am now 9 years older, with 4 years more NCB, on a car 150% less silly and it's the same price.Not tried Tesco, I'll go and input the same details into their form.

[Pillock]

Tesco - £812 Aviva - £575

[M'coli]

Endsliegh and the Co-op?

[pogweasel]

Is it cos you live in the ghetto?

[Pillock]

Probably :(TBH I think it's my significant other's pair of claims in the last 5 years.... neither her fault, one was when the vehicle was unoccupied though and as we couldn't trace the driver, most insurers view it as a fault claim.

[Rusty Pelican]

I insure my classics with footman james , but they do normsl stuff as well as kit cars , modded stuff and any thing else , phone them though , their online quote service is useless

[Albert Ross]

Hastings can be cheap............on the plus side, they have a shite wooden car on the advert. How about LV, they use an Austin Apache..........?

[Pillock]

Current leader is Admiral with £345. Annoyingly when I then click through from comparethemeerkat it jumps to £452 for no reason at all. I've just had to phone up to confirm that they could do it for £345, but now I hate them for wasting my time.I'm all angry now

[pogweasel]

This all sounds very wrong. For the sake of comparison, I have just done a quote with direct line on a BMW M3 E36 (because there's one that's local & reasonably priced) and that came out at less than you are being quoted by most of these firms.

[pandamonium]

I use admiral muti car and I've had no probs. Even managed to argue them down last renewal!

[Pillock]

Git.I took SWMBO off the insurance for a giggle, and it went up! I fail to believe between us, I (5 years NCB, aged 30) am more of a risk than her (no NCB, two claims in 5 years, aged 24).It must be the area. It's a 90bhp diesel estate for gawd's sake. Although interestingly, when I was sat in a bricks-and-mortar broker earlier just to see if they could to better, a guy rang for a quote on an E36 M3 and they immediately started mentioning 'future classic policies'. So maybe that's why it's cheap. Do me a flavour, if you're bored get a quote for a 2004/54 Pug 207 SE SW 90bhp 2.0 HDi. Just to see how much I'm being botty-raped.

[Milford Cubicle]

Direct Line is bloody cheap, I've dismissed them before because I thought they'd be no use to me.My insurance is about to lapse so I'm changing to them.

[Pillock]

We were with Direct Line last year. After a twat in a 106 reversed into the Saxo and drove off, they relieved us of the £250 excess, tore up the NCB, and then wanted about double the premium for the next year. £500 went up to £950.... for a 1.1 Saxo.

[Milford Cubicle]

I don't think I'll be claiming for anything, the excess is worth more than my car.

[pogweasel]

Well I tried it.

 

Here's the figure: £303.45

Which I think is a bit of a rip as it's (a fair bit) moar than my BMW, which really ought to be a higher risk?

Anyway, that's a straight up quote, 10k pa, 2 speeding convictions in last 5 years, 5 years NCB.

 

I used the details of a 307 SW HDi 2004 off ebay.

[Pillock]

Aaaah well at least I can be happy it's the car's fault if it's sending yours skyrocketting too.Bloody cars.

[pogweasel]

Well you know what the answer is then, don't you.... Don't be buying a super-mundane diesel estate. Buy a silly old car with nearly 300bhp. Simples.

[Pillock]

Yeah, I know.Two dogs, a holiday every now and then with associated clutter and luggage, and more importantly SWMBO would (violently in one case) disagree.TBH it's not the end of the world.... we're getting the car from her folks, since they've just been to sort out a 308SW from a dealer. The dealer only offered £4k as part-ex, parkers tells us that to buy such a car from a private would be £4900, from a dealer would be £5600. So I guess we can take a slight hit on insurance.

[pogweasel]

£5600 For a 2004 anything that's alot, let alone a dreary 307.I guess if you are getting it for £4000 that's better. But still sounds steep to me!

[Pillock]

38k on the clock, years tax and test and I know it's been looked after - gets dragged up to the garage for every squeak, rattle and warning light. I've looked on t'Trader and although 54-plate ones seem to come in at £3200, they've got triple the mileage and not as much test. And it's the top-spec one with climate, electric things, reversing bells, foldy wingmirrors and suchlike. Things that make a geek like me happy (till they go wrong).They seem to look after cars as though The Doctor is going to be selling them on in 30 years time.

[M'coli]

It's still a 307 though. I hate them.

[Gompo]

"Insurance costs? Stupid, just stupid."

"Absolutely dreadful!"

 

Come on, everybody remembers that.

 

P.S. I would recommend not using Elephant.

What was your problem with Elephant, Hirst?

 

They've been the cheapest for me for 2-3 policies and currently use them, fortunately not had to claim - which I guess is where the problem starts?