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epoxi

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Insurance is up for renewal. I know insurance topics are usually bring a collective sigh, but I've been trying extra hard this year to find a better deal and have had no luck.

 

I have been given a comprehensive renewal quote by Aviva for £1,200 which I think is too much (especially since I have 2 years NCB as named driver with them...though I can't use it for other companies as I was not policyholder, only named driver).

 

I have tried the following places:

Moneysupermarket

Confused.com

Go Compare

CompareTheMarket

Tesco Compare

Endsleigh

Direct Line

Adrian Flux

Admiral

Bell

Elephant.co.uk

coverbox.co.uk

Update:

LV

 

I am 20, driving for two years as named driver on 1.4 Citroen C2 with cosmetic modifications (exhaust, wheels, tints, suspension). I now want to be the main policyholder.

 

Cheapest quote outside Aviva I found was £1,340 with Admiral via Moneysupermarket, they gave me over £2,000 via other comparison sites, and wouldn't even give me a quote direct.

 

I am really fed up after hours of searching, do any of you guys have advice or special tips that I haven't tried already?

 

P.S. I've tried adding my (professional, employed) father to the policy, and between us we have no convictions/claims/accidents in the past 5 years.

Edited by epoxi

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dog_day_sunrise

I'd avoid Admiral. I've had bad experiences with them- their customer services are shocking beyond belief.

Have you tried LV/Liverpool Victoria? They're very good for younger drivers who have a little experience.

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Think you've got it bad? I got quoted nearly £7,000 on my 1.1 Mk3 Fiesta LX. Basically no optional extras, no modifications, that was with a pass plus, limited to 3k a year, not allowed to use on the late night weekends, during peak times, parked on a driveway overnight, with a tracker AND a Thatcham Cat 2 alarm.

 

The car's worth £250...

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stinomontana
Think you've got it bad? I got quoted nearly £7,000 on my 1.1 Mk3 Fiesta LX. Basically no optional extras, no modifications, that was with a pass plus, limited to 3k a year, not allowed to use on the late night weekends, during peak times, parked on a driveway overnight, with a tracker AND a Thatcham Cat 2 alarm.

 

The car's worth £250...

And then they wonder why somany people dont even bother to get insurance.

 

atleast its not that expensive in my country, but still

 

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dog_day_sunrise

Adrian Flux are good for modified vehicles too, but you've got to be very careful with them to declare and specify every tiny change as they won't pay out if you neglect to mention even the smallest thing.

-EDIT-

Wait, they're already in your list.

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Thanks for feeback guys. Unfortunately LV don't cover modifications, and despite advertising everywhere about how good they are for "young drivers" Adrian Flux don't cover anyone under 25...wasted 15 mins on the phone yesterday to be told that. sad.gif

 

Sky look promising because they appear to be tailored to my sort of background "Young Driver Friendly (aged 19 or over with 2yrs driv. exp.)" so I'll try to call them tomorrow.

 

@Benzoboy: Have you made a claim before? If you haven't, I'd strongly suggest you to shop around because that's a bit of a ripoff. nervous.gif

Edited by epoxi

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Unfortunately LV don't cover modifications,

They actually consider your little lawnmower as 'modified'? If that's the case, throw the stock wheels and muffler back on there and try them again. Or just tell them it's stock since I don't see anything (except perhaps suspension) that could actually be called a performance modification. Not like the oversized dub-like wheels or the fart cannon are.

uYW1Olw.png

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Lurch...constructive as always.

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If they (MOT I guess?) ask why it's so low, just tell them you were hauling some fat chicks around town the other day and they sagged it out a bit. They won't dare question a brotha's love of beefy women.

Edited by Lurch

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AXA Insurance

 

They give (in my opinion) the best deals for comprehensive. And if you drive a Volvo you get a further discount. Insurance on a 1.6 Petrol Volvo S40 will be cheaper than the one on a 1.4 Golf!!

Don't use their online quote system. It's rubbish. On the Irish site I got quoted 2900 EUR for a 1.9 SDI Golf, infact it's €2368 over the phone...

Edited by Garfield 2
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I spoke to Aviva and they managed to quote me £120 less. I suppose it's not perfect, but as long as I don't claim for the next two years I will have my own real NCB of 4 years (the 2 years I currently have aren't real, just Aviva discount).

 

Thanks for your suggestions, but in the end...as much as I hate to admit it, I guess loyalty to Aviva does pay.

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xXGTAPHREAKXx
Think you've got it bad? I got quoted nearly £7,000 on my 1.1 Mk3 Fiesta LX. Basically no optional extras, no modifications, that was with a pass plus, limited to 3k a year, not allowed to use on the late night weekends, during peak times, parked on a driveway overnight, with a tracker AND a Thatcham Cat 2 alarm.

 

The car's worth £250...

What the hell is wrong with your country? No offense.

 

I'm only paying $1200 CAD a year for a twin turbo two door sports car with the steering arrangement on the wrong side, and it's the first car I've been insured by myself under ..

 

At those prices, it would be cheaper to be caught without it and pay the fines, at least over here.

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dog_day_sunrise
Think you've got it bad? I got quoted nearly £7,000 on my 1.1 Mk3 Fiesta LX. Basically no optional extras, no modifications, that was with a pass plus, limited to 3k a year, not allowed to use on the late night weekends, during peak times, parked on a driveway overnight, with a tracker AND a Thatcham Cat 2 alarm.

 

The car's worth £250...

What the hell is wrong with your country? No offense.

 

I'm only paying $1200 CAD a year for a twin turbo two door sports car with the steering arrangement on the wrong side, and it's the first car I've been insured by myself under ..

 

At those prices, it would be cheaper to be caught without it and pay the fines, at least over here.

In merry ol' England, they'll sieze and crush your car and disqualify you from driving if you are uninsured.

 

It's particularly bad up until you get to about 23 or so (though if you shop around you can get some great deals- I paid circa £1k fully comp on an S4 with declared modifications at 22/23, though that was a few years ago) but as, unlike most nations, there is no third party insurance covered in your road tax- so the insurance companies are left to control the whole damn racket for themselves. Hence everyone under the age of 25 getting rather royally shafted, and the insurance companies making operating profits in or near the billions.

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I could rant on about this for bloody hours but it's not going to get Mr. Aviva's grip off of my balls so i won't bother, instead i'm looking on getting out of this damp sh*thole and getting myself to Australia or Canada.

user posted imageuser posted image
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I could rant on about this for bloody hours but it's not going to get Mr. Aviva's grip off of my balls so i won't bother, instead i'm looking on getting out of this damp sh*thole and getting myself to Australia or Canada.

What about the USA? devil.gif

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I could rant on about this for bloody hours but it's not going to get Mr. Aviva's grip off of my balls so i won't bother, instead i'm looking on getting out of this damp sh*thole and getting myself to Australia or Canada.

What about the USA? devil.gif

No healthcare and drug tests for even the sh*ttiest of jobs, f*ck that.

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Suction Testicle Man

You're a 20 year old with no NCB - worst case scenario (insurer's default outlook) means you've claimed in the last year because you fit the retarded-young-driver profile. Tbh, I'm no insurer, but if someone described a bean-canned C2 to me, I too would immediately visualise it drag-racing in Asda.

 

Get a practical 30 year old banger to build up your NCB until you can afford the premium on a hatch - I'm 22 and I pay £130 fully comp on mine.

http://cgi.ebay.co.uk/180610789831

If at first you don't succeed, you fail, and the test will be terminated.

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You're a 20 year old with no NCB - worst case scenario (insurer's default outlook) means you've claimed in the last year because you fit the retarded-young-driver profile. Tbh, I'm no insurer, but if someone described a bean-canned C2 to me, I too would immediately visualise it drag-racing in Asda.

 

Get a practical 30 year old banger to build up your NCB until you can afford the premium on a hatch - I'm 22 and I pay £130 fully comp on mine.

http://cgi.ebay.co.uk/180610789831

user posted image

 

I'm 19 with 2 years driving and 2 years N.C.B. and that quote is on the Cavalier. I actually tried to get insurance on a 1989 Yugo 45A last week and they wanted a tad under £2k for it. It's actually cheaper for me to insure a Ford Transit van then it is a 999cc Yugo.

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@STM: I've already had the car for 2 years and had an Aviva NCB for those two...no point giving up now. It's also not just the muffler, it's a full sports cat...not that it actually seems to improve performance, but it basically can't be removed and replace without extensive effort and money.

 

I love the disclaimer on the Cavalier:

 

 

Any questions or more pictures, then please ask, i don't bite, but please don't leave it till the last minute, as i am not always at my computer when things come off.

 

Plus the way he lays into that grammar nazi in the comments. lol.gif

 

 

Q: * too old, not to old. To does NOT mean too. Look in a dictionary. * Learn the difference between it's and its. * won't not wont

A: If this is all you have to do, then you have a very sad life. i can speel fings ane wa i want as long as peepol can reed it. As long as the first letter and the last letter is correct, then your brain automatically recognises...

Edited by epoxi

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Suction Testicle Man

Where in the country are you guys? I know location does have an effect (my premium would triple if I still lived where I used to in London), but I just don't get how chris can get quotes that high and not park his car on a banger track. Not that living in a bad area can be remedied easily sad.gif

If at first you don't succeed, you fail, and the test will be terminated.

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