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car insurance

Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
my new car gets delivered in 2 weeks so just trying to sort out the insurance and they want to charge us £1200!!!!!!!!!!!!!!!!!

fucking hell man - how crap is that?

yeah, so, does anyone know any reasonable, un-theiving-bastard-car-insurance places?

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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Calm down, it's a commercial :p

    That was my input into the thread.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    At the risk of being started on would it not have made a bit of sense to find out how much car insurance would be BEFORE you bought the car?

    If it's a brand new car then insurance will be expensive.
    If your young then insurance will be expensive.
    If the car is in a high bracket (powerful or desirable to thieves) then guess what, insurance will be expensive.

    Saying that try googlizing car insurance. There are hundreds out there. I'm with Eagle Star and I can't complain.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    but its only a wee car...a little clio...

    and I did look before and got quotes for aroun £700 but then when I phoned them it just went higher and higher

    I may try putting it in my boyfriends name...hmmmm that may be better as I have got a few points on my license

    (Eagle Star quoted me £1900!!)

    Can you register the insurance at another address does anyone know???

    Because I live right in the centre of Newcastle and that adds about an extra £300 to it compared to if I get a quote at my mum's address.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    As I've said look at the factors.

    Brand new car.
    Points on your licence.
    Area car will be parked.

    All add up. You could put your boyfriend down as the main driver and then go on as a named driver (some companies give you a free named driver. Eagle star being one :p ) but they may take into account your points.

    As for the giving a different address. You could run the risk. It's illegal to give insurance companies false information and it could render your insurance null and void which could cause you probs if you need to claim.

    You tried Diamond Insurance yet? They specialise in female drivers I think.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    My boyf got a good deal from Liverpool Victoria , he's young, got a powerful car and points on his licence and he got his for £800.

    Might be worth giving them a shot :)
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by NinjaMaster

    You tried Diamond Insurance yet? They specialise in female drivers I think.

    oooh cheers, they've just quoted £735....
    will try Glittery suggestion now

    edited to say that Glittery's people quoted me stoopid amounts...

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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by candy
    edited to say that Glittery's people quoted me stoopid amounts...
    lol, sowwie :blush:
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by Glittery Vodka
    lol, sowwie :blush:

    s'alreet!

    just getting a bit pissed off with it all now!
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Have you tried Confused I think they do all the hard work for you :)
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    try the co-op ...C.I.S. insurance. they don't advertise. they are one of the biggest banks in europe. they are extrremely fast and fuss free on claims and they are the cheapest on the planet.
    i don't know though where they stand on under 25's.
    try them and i think you should be pleasantly surprised.
    don't go through the A.A. they only have a few companies on their books, so when they say they will find you the best qoute, it's the best quote from a small handfull of companies.
    best of luck.
    C.I.S. should be in the yellow pages.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by candy
    s'alreet!

    just getting a bit pissed off with it all now!

    Get used to it. Insurance is expensive. Little cars will only be less expensive if they have little engines. You'll get an extra %age or so for living up north, and a bit more for living city centre, but as someone else said don't bother giving false info, if your car got nicked they can refuse to pay out.

    It will get cheaper next year, assuming you don't have an accident.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    I've heard Tesco's car insurance is suppost to be quite cheap! :yes:
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by Mz Stonedalot
    I've heard Tesco's car insurance is suppost to be quite cheap! :yes:

    :yes:

    That's who we are with. I'm a named driver on my Mum's insurance along with my Dad and it only costs us about £800 I think. It was the cheapest quote we got. :)
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Oh, yah, that's what I meant to say. Sure you can add yourself to someone else's insurance but if you do you will not build up a no claims bonus of your own. So unless you intend living with them forever you may as well take the hit and get your own insurance.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by NinjaMaster

    If it's a brand new car then insurance will be expensive.
    If your young then insurance will be expensive.

    I thought that but I just got a brand new 206 and my insurance is only 350, fully comp. From Tescos and they're the cheapest that I found anywhere.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    if ur under 25 then car insurance is expensive. my insurance is £1600 which is crap!! also the price not only depends on age, where it'll be parked, engine size etc but also on what u do for a living. diamond quoted me £1000 coz they guy put down what my part time job is as my full time job instead of saying i was a student. When i called back to take it the woman told me there had been some mistake and it would actually be £2000!! its discrimination!! yeah n its best not to lie about ur address etc coz like ninja master said, it makes the insurance void so then ur basically paying for nothing coz if you have an accident then they won't pay out.

    (my friend used to work in one of those insurance call centre places-thats how i know:) )
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by rushin
    if ur under 25 then car insurance is expensive.

    Nope! I'm 22 and like I said mine's only 350 on a new car. But it does make a lot of difference if you say it's parked in a garage, and if you name a parent as a second driver. My mum used to work for Liverpool Victoria so I know a few tricks ;)
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    JsTJsT Posts: 18,268 Skive's The Limit
    I would say Direct Line (who my mum is with)
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    my vehicle is insured for £28,ooo. me and the wife fully comp ...£350.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    i think i'm going to go with diamond for £735.

    Its crazy the difference between the quotes we were getting - Eagle Star gave us £1900!

    Its only got a tiny 1.2 litre engine :rolleyes:
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by candy
    i think i'm going to go with diamond for £735.

    I would still check out other options because Diamond is really expensive I know loads of people who have found better deals elsewhere! :yes:
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Consider one thing and that is if you need to make a claim - what happens then?

    When I was at Uni - Endsleigh were like the insurance company for students - often having offices based in university builds and even employing students to work there part time .. all was well until I had an accident. The took over 4 monhs to do anything and only then cos I got a letter from the other party saying I'd have to go to court cos things were taking so long to get sorted - they dragged their feet no end and I worried constantly for that period - They only did something when I mentioned th court documents - they kept saying "we're understaffed", etc but for all that time the other guy was getting a free hire car until the matter was sorted - that could have probably paid for several new staff members.

    Was a totally useless company and the final straw came on renewal when the person onthe other end didn't want to know anything except my credit card number.

    I've since switched to Admiral and even had a claim with them in a 2nd accident some years later but their service levels and staff politiness are so much better. And they sorted my claim out dead quickly!! I think within 2 weeks.

    Recently I lost my insurance certificate and needed it to get a new tax disc and they send one out straight away.

    So just remember that the cheapest priced quoted isn't the only consideration. Just consider what happens if you ever need to make a claim.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    I have insured with Norwich union, they were a lot cheaper than others. I did some online quotes, which were loads, then phoned up and they were half the price of the online quote.
    Also paying the whole year in one go is worth it if you can afford it.

    my insurance is £600, fully comp for on the road parking for me and the wife
    I also get things like free hire car, free legal, free breakdown and so on.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Try phoning every freephone number in the yellow pages, thats all I'd do. You will be suprised how you can play one against the other.
    Also bear in mind cheaper car insurance probably means a much higher excess if you have an accident, so make sure you check that out also.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by BritJames
    It claims insurance in the North is more expensive than in London ... worth a read perhaps...

    Well my parents just bought a new car and rang round insurance companies about it. My mum was told by one company that your insurance goes up by 40% automatically if you have a London postcode! So that's interesting.

    We've made 2 claims on our insurance in the last couple of months because we've been hit twice and once the guy didn't have insurance of his own, and the second time the guy denied doing it. So now it's hugely expensive to insure a new car.

    Twatstwatstwats.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by *hellie*
    :yes:

    That's who we are with. I'm a named driver on my Mum's insurance along with my Dad and it only costs us about £800 I think. It was the cheapest quote we got. :)
    Jeez, your parents must drive a brand new Jag!! £800 is loads!!
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    :mad: :mad: :mad: I hate renewing my car insurance. When I rang up last year they were asking if I had a mortgage, Switch card or was married as apparently all these factors make you a more responsible person & therefore less likely to have a crash. :rolleyes: If my car insurance wasn't so expensive maybe I'd be able to afford a mortgage!! :lol:

    I'm renewing it at the moment & people suggested CIS/Co-op but they quoted me over £500 for me & other half, whereas Churchill quoted me £300. Elephant.co.uk are even cheaper - £200-something. It seems what's cheap for someone is expensive for someone else, so we all have to continue to shop around :mad:
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by barbie
    Jeez, your parents must drive a brand new Jag!! £800 is loads!!

    I'm only 18 and haven't passed my test yet. Without me on the insurance it would be a hell of a lot lower!
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