nickoneone
Member
AVIVA quoted me £1021 with a £600 excess! Went with Direct Line - £226 with £350 excess
Cheapest Insurance thread (UK)
- Thread starter sp3ctre
- Start date
Liverpool
Well, another year and another insurance increase :thumbsdown:
Not changed anything, but my renewal came up £100 more expensive than last year. Remembered to cancell the almost universal 'auto-renew', and asked my current insurer what they 'could do' to reduce the premium...£50 less was their offer.
Spent a couple of weeks since getting my renewal through and found plenty that would offer similar cover for around about the same price, but 5 of them wanted a £3000 excess
Finally went back to my current insurer after fiddling around on various comparison websites and got a policy for more or less what I paid last year, and at the end of the call they had the cheek to say that if I'd called them first (which I did) I wouldn't have had to spend all my time phoning/clicking around as they would have done me a 'good deal'.
FFS
You'd think with over 10 year's NCB on high performance cars (modified Corrado VR6 and two e34 M5s), covering 20-30,000 miles a year, they'd have realised that I'm not a high risk.
Not changed anything, but my renewal came up £100 more expensive than last year. Remembered to cancell the almost universal 'auto-renew', and asked my current insurer what they 'could do' to reduce the premium...£50 less was their offer.
Spent a couple of weeks since getting my renewal through and found plenty that would offer similar cover for around about the same price, but 5 of them wanted a £3000 excess
Finally went back to my current insurer after fiddling around on various comparison websites and got a policy for more or less what I paid last year, and at the end of the call they had the cheek to say that if I'd called them first (which I did) I wouldn't have had to spend all my time phoning/clicking around as they would have done me a 'good deal'.
FFS
You'd think with over 10 year's NCB on high performance cars (modified Corrado VR6 and two e34 M5s), covering 20-30,000 miles a year, they'd have realised that I'm not a high risk.
Just did a quick check on GoCompare:
Cheapest is DNA with a £1071 quote, unfortunately that's with a £3000 excess.
Next cheapest is £1,199.26 with Swift Cover, including Legal and Courtesy Car, protected NCB.
I'm 30 years old, driving since 18, 7 years+ NCB, 3 points on my licence. The thing that's putting it so high is probably my location, Manchester (M40).
** EDIT ** Just came home to find the renewal quote from Elephant waiting on my doorstep, I was expecting them to be around £1200 going off the additional premium I had to pay when moving to the Z4 from my old Ford Focus. Turns out the renewal quote is £830!
I'm extremely pleased with that, considering the quotes I'd had online. That's for 11 years NCB, Protected No-Claims, 2 named drivers (my mother and my girlfriend who's 26), personal injury cover, 1250 of hifi gear, £350 voluntary excess and only £60 compulsory excess.
Cheapest is DNA with a £1071 quote, unfortunately that's with a £3000 excess.
Next cheapest is £1,199.26 with Swift Cover, including Legal and Courtesy Car, protected NCB.
I'm 30 years old, driving since 18, 7 years+ NCB, 3 points on my licence. The thing that's putting it so high is probably my location, Manchester (M40).
** EDIT ** Just came home to find the renewal quote from Elephant waiting on my doorstep, I was expecting them to be around £1200 going off the additional premium I had to pay when moving to the Z4 from my old Ford Focus. Turns out the renewal quote is £830!
I'm extremely pleased with that, considering the quotes I'd had online. That's for 11 years NCB, Protected No-Claims, 2 named drivers (my mother and my girlfriend who's 26), personal injury cover, 1250 of hifi gear, £350 voluntary excess and only £60 compulsory excess.
My renewal came in, its gone up 10% - £452 for me (30) and my girlfriend (25) fully comp, 12k a year, 11k value - protected no claims, but no legal.
Chris Knott came in at £415, but they can't touch the other half (good or bad thing?
)
I've got 7+ years NCB - ok postal code - going for new quotes everything is coming up high except elephant at £512.
Was going to 'challenge churchill' but thing the dog'll say awww no. as they would have to drop from a
£1,200.
Crazy Crazy
Chris Knott came in at £415, but they can't touch the other half (good or bad thing?
)I've got 7+ years NCB - ok postal code - going for new quotes everything is coming up high except elephant at £512.
Was going to 'challenge churchill' but thing the dog'll say awww no. as they would have to drop from a
£1,200.Crazy Crazy
Bell have been best for me;
Roughly £1500 for 10 months cover
2 years NCB
20 years old
Few tips for us young ones:
Mum and GF as named drivers,
Mum brought it down by £800,
GF brought it down by another £400,
Parking on street reduced by £200 (appose to been garaged??),
Classing myself as a IT supervisor or Engineer brought it down (appose to been a IT manager)
EDIT: My previous car BMW 318CI was £980 for 10 months, I don't think £500 increase is bad for a 3.0si and worth triple the value of my 318.
Roughly £1500 for 10 months cover
2 years NCB
20 years old
Few tips for us young ones:
Mum and GF as named drivers,
Mum brought it down by £800,
GF brought it down by another £400,
Parking on street reduced by £200 (appose to been garaged??),
Classing myself as a IT supervisor or Engineer brought it down (appose to been a IT manager)
EDIT: My previous car BMW 318CI was £980 for 10 months, I don't think £500 increase is bad for a 3.0si and worth triple the value of my 318.
If you have a Z4M Coupe try AXA. They don't normally 'do' sports cars from what I could work out as they didnt seem to want to quote on any convertible car I tried to input but I think the coupe is acceptable to their criteria.
35 years old, 8 NCB, £366. Limited to 8k miles per year.
They declined to quote on the Z4M Roadster and a number of other lesser sports cars I put through Compare the Market website.
In comparison the cheapest quote I got on the roadster was about £480 for the M, £440 for the 3.0Si with other companies.
35 years old, 8 NCB, £366. Limited to 8k miles per year.
They declined to quote on the Z4M Roadster and a number of other lesser sports cars I put through Compare the Market website.
In comparison the cheapest quote I got on the roadster was about £480 for the M, £440 for the 3.0Si with other companies.
I've just renewed mine - £457 for the year. Thats with only one year of ncb and a codger status age of 62
Although I have got a full bonus on my other car, most companies dont seem to take this into consideration.
The insurance was arranged thro a broker in Kendal and is with Royal & Sun Alliance.
I did try the Chris Knot route,but he was unable to match my eventual quote by a good margin. I'll try him again next year.
Although I have got a full bonus on my other car, most companies dont seem to take this into consideration.
The insurance was arranged thro a broker in Kendal and is with Royal & Sun Alliance.
I did try the Chris Knot route,but he was unable to match my eventual quote by a good margin. I'll try him again next year.
A
Anonymous
Guest
My renewal with Esure came through two weeks ago.
It was £540 which was about £10 more expensive than last year.
I went onto their site and did a new quote, exact same details, and it came up as £374.
I then added on no claims protection which took it up to £408.
I rang them up explained the situation and they honoured the online quote.
Result
It was £540 which was about £10 more expensive than last year.
I went onto their site and did a new quote, exact same details, and it came up as £374.
I then added on no claims protection which took it up to £408.
I rang them up explained the situation and they honoured the online quote.
Result
My car insurance is due for renewel in April with Admiral.
I had an email from Castle Cover for the over 50's (which I am unfortunately) because we have our House and Contents through them which they were great for.
Anyway I thought I would do an online quote.
Bearing in mind my last car was a Toyota Supra mk4 3.0 Twin Turbo,(which I miss greatly
) older car but not much difference in value to my Z4. £275 fully comp, wife added, protected NCB.
As I was doing the quote they rang me (they knew I was doing the quote) so proceeded over the phone. Exact same cover as Admiral.
Well I fell of my f%$^ing chair and asked if they were having a laugh.
£808, yes 808 sp$%&ing pound. He couldnt understand why I was laughing.
So I will be shopping around over the next few weeks.
I had an email from Castle Cover for the over 50's (which I am unfortunately) because we have our House and Contents through them which they were great for.
Anyway I thought I would do an online quote.
Bearing in mind my last car was a Toyota Supra mk4 3.0 Twin Turbo,(which I miss greatly
) older car but not much difference in value to my Z4. £275 fully comp, wife added, protected NCB.As I was doing the quote they rang me (they knew I was doing the quote) so proceeded over the phone. Exact same cover as Admiral.
Well I fell of my f%$^ing chair and asked if they were having a laugh.
£808, yes 808 sp$%&ing pound. He couldnt understand why I was laughing.
So I will be shopping around over the next few weeks.
Bmw insurance quoted me £1056,
Phoned my insurance, they told me they dont cover cars over £20000, so they cancelled my insurance, and gave me another quote of £1169.
I then went on confused, cheapest on there was £479 with admiral, that was me telling them 18 inch wheels, red leather and f & r park sensors.
I cant believe they put £9 on for the park sensors.
Phoned my insurance, they told me they dont cover cars over £20000, so they cancelled my insurance, and gave me another quote of £1169.
I then went on confused, cheapest on there was £479 with admiral, that was me telling them 18 inch wheels, red leather and f & r park sensors.
I cant believe they put £9 on for the park sensors.
Bmw insurance quoted me £1056,
Phoned my insurance, they told me they dont cover cars over £20000, so they cancelled my insurance, and gave me another quote of £1169.
I then went on confused, cheapest on there was £479 with admiral, that was me telling them 18 inch wheels, red leather and f & r park sensors.
I cant believe they put £9 on for the park sensors.
Phoned my insurance, they told me they dont cover cars over £20000, so they cancelled my insurance, and gave me another quote of £1169.
I then went on confused, cheapest on there was £479 with admiral, that was me telling them 18 inch wheels, red leather and f & r park sensors.
I cant believe they put £9 on for the park sensors.
Are people really telling an insurer about a factory fitted option such as parking sensors? Surely insurance companies are looking for 'after factory' modifications only?
For me & the wife admiral were cheapest quote, slightly cheaper if you look via the tesco.com insurance website but even cheaper still if we went via Diamond (they now insure guys too apparently!!)
For me & the wife admiral were cheapest quote, slightly cheaper if you look via the tesco.com insurance website but even cheaper still if we went via Diamond (they now insure guys too apparently!!)