///M Annual Insurance Renewal....Result!

There are a number of things which can bring your quote down, which is worth trying...

If you have another car you have access to, put this down.
Try adjusting for driveway/garage, since driveway is often cheaper.
Try putting random people on the policy, even if they may never/rarely drive the car. Prime candidates would be a woman with no points and a licence for ages.
Try adjusting your job title ever so slightly, where applicable (I can't do this, since mine is clear cut - but it did go down when I changed from IT Engineer to Project Manager, even in the same industry).
Try adjusting your voluntary excess. I'd say if by adding £100 to the excess it brings your policy down by £75, it's worth doing. Anything less and I wouldn't bother. You do soon establish the law of diminishing returns.
If your partner is unlikely to drive the car, and she puts the premium up, take her off.
Try adjusting the mileage slightly. If you think you'll do less, give it a try. It doesn't always reduce the premium, but often it does.
If you aren't married, don't just default to 'Single' - you may be eligible for a 'Co-habiting' discount (certainly Admiral Group do this). If going via Admiral Group (Admiral, Bell, Elephant) make sure once you have the quote you go through the details on the website - tick the co-habiting box (if you're co-habiting, of course).
If you're leasing a car, make sure the correct option is ticked - the comparison sites made our original Audi A1 quote come up around £800. Changing just ONE thing made it £430.

I think that's it, but that's my experience of buying insurance, and I have managed to save a few quid by doing that... Didn't stop my Z4M insurance being over £1000 this year though sadly! :rofl:
 
I was with Admiral for about 7 years and suddenly this year they have been rubbish. Even the guy on the phone to us admitted that they were no longer competitive in alot of cases. This year I have insured a modded Evo X, a Lotus 111S and now have the Z4 Coupe. Each time Admiral were terrible for some reason even though they quite happily insured the Evo for the 2 years previous? I used a price comparison and Allianz were the cheapest. Admittedly everything is done online but I don't mind that really. I pay £380 fully comp though I believe that has alot to do with having both myself and the wife on the policy. She is the main driver as it is her with all the no claims also. I wish as second driver you could at least accrue some no claims over the years as I have 0 even though I have been driving 20 years and haven't had a claim now in 19 of them.

I only stick with the wife to get me cheap car insurance :lol:

Oh and I made back £50 by selling those daft Meerkats on Ebay.
 
This discussion is very interesting to an American. In America. Insurance companies do not ask your occupation. They do ask how far you have to drive to get to your work. Your age. Kind of car. How many tickets and at fault accidents in the last 36 months.

My Zed in America cost £338 yearly. No milage limit. $1000 out of pocket for a claim.

When we came to Germany. The insurance agent asked even less. What car and any accidents in the last 36 months.
Same Zed in Germany cost £550 yearly. Same cover as in America. And they cover the 'ring' touristenfahrten.
Quite a bit more liability is required in Germany. Seems that when one hits something in Europe. It tends to be old and valuable.

Cheers
 
Another result with Admiral multi-car. After some confusion with what I now think is an Indian call centre, I managed to get the M added as a 3rd car for £430 on a 6k mile policy. That was until next July, so not a full year, but still sensible.
 
Back
Top Bottom