I am fecked off. 47% insurance rise
12-10-2010, 11:47 PM
#41
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well just got another quote on a mk6 escort van for £850 so looks like i will be buying one and then reinsure the xr when im back in a decent job 
seem commercial insurance is cheaper than car insurance.
seem commercial insurance is cheaper than car insurance.
13-10-2010, 12:51 AM
#42
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A little tip worth trying: Try insuring the £100 fiesta with a value of say £2000. This used to bring the premium down LOADS a few years ago. Its all down to them 'thinking' you will take more care when driving if its 'worth' more. Its perfectly ok to do this and your not breaking any laws at all. The value is just your opinion of what you think the car is 'worth'. 
Also, try going for fully comp or TPFT (if your going for TPO that is) as this often brings the premium down too.
Oh, and try added a partner/spouse onto the policy as this can bring it down too as some companies offer an 'insured + spouse' discount.
Also, try going for fully comp or TPFT (if your going for TPO that is) as this often brings the premium down too.
Oh, and try added a partner/spouse onto the policy as this can bring it down too as some companies offer an 'insured + spouse' discount.
Last edited by S1rst; 13-10-2010 at 12:54 AM.
13-10-2010, 08:32 AM
#45
It's not greedy fat cats at the top, it's two things - Young male drivers crash a lot more than anyone else, and the number of 'injury claims' has rocketted. It will only be a matter of time before our premiums are on a par with the craziness in Ireland, and you can thank the ambulance chasers, and everyone who has put in a bogus injury claim.
13-10-2010, 03:54 PM
#46
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I pissed off, I'm having to take my rs off the road for a couple of years just because i cant afford to pay the insurance. i feel atho everyone has something to say about it but no ones doing anything to solve this problem ? what can we do tho ?
http://www.bbc.co.uk/news/business-11516195
I am only 18 and have been driving for a year i totally expect my insurance to be high but not 3.5k I am not some boy racer who is out every night at stupid times racing around I don't drink never have done and i only use the car for shows.
I have excepted that i cant get insured this year d figure that if i buy a run around i will be able to build up some no claims so i went on go compare. and did a few different cars just to show the price Ive been getting . Btw this is with my dad on as a named driver.
Ive been on the phone for hours trying to get a half decent quote and the cheapest i got for my rs is 3.5k
no wonder people drive with no cover.
http://www.bbc.co.uk/news/business-11516195
I am only 18 and have been driving for a year i totally expect my insurance to be high but not 3.5k I am not some boy racer who is out every night at stupid times racing around I don't drink never have done and i only use the car for shows.
I have excepted that i cant get insured this year d figure that if i buy a run around i will be able to build up some no claims so i went on go compare. and did a few different cars just to show the price Ive been getting . Btw this is with my dad on as a named driver.
Ive been on the phone for hours trying to get a half decent quote and the cheapest i got for my rs is 3.5k
no wonder people drive with no cover.
13-10-2010, 04:02 PM
#47
just finding my feet
the first years insurance on my impreza was 1300 quid
then 600 then was 650 this year,,, i complained and was reminded that i had modded the car and all mods are declared including the carbon bonnet blah blah and its back down to 600 with 8 years no claims though i am 31 living in baghdad,,,,,,, well almost
then 600 then was 650 this year,,, i complained and was reminded that i had modded the car and all mods are declared including the carbon bonnet blah blah and its back down to 600 with 8 years no claims though i am 31 living in baghdad,,,,,,, well almost
13-10-2010, 04:37 PM
#49
I paid £1300 TPFT on an Xr2 Mk2 87(E) which I paid £1500 for back in 1995 when I passed my test at 17.
Then the year after I traded for an Escort RS Turbo and it was £800 FC or £550 TPFT, I can't honestly remember which one I went for now
However it pretty much dropped 50% after the first year.
Now I'm paying £480 for both my Cossy and Mondeo FC....
It's worth the wait
Then the year after I traded for an Escort RS Turbo and it was £800 FC or £550 TPFT, I can't honestly remember which one I went for now
However it pretty much dropped 50% after the first year.
Now I'm paying £480 for both my Cossy and Mondeo FC....
It's worth the wait
13-10-2010, 05:41 PM
#50
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Try adrian flux mate, im in the same boat as you as im only 20. Insuring my erst early this year every company on Compare was 2k+ but rung adrian flux and they quoted me £1045 for the year with mods declaired and that was with No no cliams. Was £700 cheaper just because i listed the mods aposed to standard!
13-10-2010, 06:12 PM
#51
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Try adrian flux mate, im in the same boat as you as im only 20. Insuring my erst early this year every company on Compare was 2k+ but rung adrian flux and they quoted me £1045 for the year with mods declaired and that was with No no cliams. Was £700 cheaper just because i listed the mods aposed to standard!
13-10-2010, 06:32 PM
#52
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Try HIC classic insurance mate. You can get covered on a classic policy with them. Theres no restriction on the mmain driver, but the additional has to be 25 or over. Its worth a phone call pal
13-10-2010, 06:56 PM
#53
Part of the Furniture
I just looking for insurance for my lad 19 on a 2.0 focus with me as a named driver was £4100 tried some of the above tips changed relationship from son to spouse and what do you know £1100. would his insurance be void if he had an accident with it like that?
13-10-2010, 07:26 PM
#54
might be ok if you marry your son
13-10-2010, 07:55 PM
#55
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Lol at the above!
Mines similar Ste. I'm 19 but my gf is 30. So because we live together I can put 'Married/Commonlaw/Partner' and it brings it down a ridiculous amount.
Your area.....
I nearly cried the other week... My postcode is a 'G' rated area. The highest risk, because it's within Greater Manchester. I got an insurance quote for a lovely £5000 BMW 330ci sport that I instantly fell in love with and BOOM! whadya know - £5000 to insure it too. And when I did a quote on an 'A' rated area (the lowest risk).... £1100 quid.*
I couldn't effing believe it.
So if you want cheap insurance people... Move to Kings Road in Aberdeen. Cheap as foosh
Mines similar Ste. I'm 19 but my gf is 30. So because we live together I can put 'Married/Commonlaw/Partner' and it brings it down a ridiculous amount.
Your area.....
I nearly cried the other week... My postcode is a 'G' rated area. The highest risk, because it's within Greater Manchester. I got an insurance quote for a lovely £5000 BMW 330ci sport that I instantly fell in love with and BOOM! whadya know - £5000 to insure it too. And when I did a quote on an 'A' rated area (the lowest risk).... £1100 quid.*
I couldn't effing believe it.
So if you want cheap insurance people... Move to Kings Road in Aberdeen. Cheap as foosh
13-10-2010, 08:10 PM
#57
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WTF is going on...
I just noticed I am paying nearly the same amount for a 12 year old £500 shitter mondeo 3rd party fire and theft than I was paying for my £17000 Focus ST on fully comp !!!
I am calling the bastards tomorrow....otherwise its Go Compaaaaaareeee
I just noticed I am paying nearly the same amount for a 12 year old £500 shitter mondeo 3rd party fire and theft than I was paying for my £17000 Focus ST on fully comp !!!
I am calling the bastards tomorrow....otherwise its Go Compaaaaaareeee
13-10-2010, 08:12 PM
#58
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People quoting x-many pounds for a hot car they ran 10+ years ago means squat compared to today's prices.
Last year I paid £500 to insure my V40 which I thought was steep but then about 3 years ago I wrote off a Rover (wasn't really my fault but it went down as such so hard lines). This year the renewal quote comes through at over £1300! The only change since last year is that the car and I are a year older and I have another year's no claims so why has the price almost tripled?
The answer?
They've been hit where it hurts - the profit margins. What's happened in the last 12 months that cost them a lot of money? Snow and lots and lots of claims.
Iain
13-10-2010, 10:48 PM
#61
insurance is a fucking pisstake, endof!
when i was 20, i had 3 crashes, 2 my fault, 1 not and a 28 ban for speeding - i was fucked basically.
was getting quotes for £1600 for a 1.0l mini, so got a 205 gti lol and paid 1700...
this years insuracne ont he 3dr was £580, which i didnt think was too bad considering its got a roll cage, different engine a 5x the power lol
if i had the capitol i would create my own insurance company and charge new drivers £1500, but with an excess of say 1k...
its no wonder that these days there are so many uninsured drivers, i mean, who the fuck is gonna pay £3k a year just to be allowed todrive a car!
when i was 20, i had 3 crashes, 2 my fault, 1 not and a 28 ban for speeding - i was fucked basically.
was getting quotes for £1600 for a 1.0l mini, so got a 205 gti lol and paid 1700...
this years insuracne ont he 3dr was £580, which i didnt think was too bad considering its got a roll cage, different engine a 5x the power lol
if i had the capitol i would create my own insurance company and charge new drivers £1500, but with an excess of say 1k...
its no wonder that these days there are so many uninsured drivers, i mean, who the fuck is gonna pay £3k a year just to be allowed todrive a car!
13-10-2010, 11:18 PM
#62
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I only passed my test in April this year and insurance has got fucking silly even since then. Cost me £1273 to insure my 1.6 Focus (I'm 25). I'm betting it will go up next year 
14-10-2010, 08:23 AM
#63
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At least a law is coming in soon that women drivers wont get cheaper insurance than men, the most sexist industry ever the car insurance brokers, if it had been the other way round would have been in years ago
14-10-2010, 08:59 AM
#64
I do think it's funny that women are going to have to subsidise our antics though!
14-10-2010, 09:50 AM
#65
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get a sex change!
never paid more than £550 for a car,
18 0NCB £550
18 - 22 4yrs NCB 206 1.4 £300
2l hyundai coupe 22 4yrs NCB £330
mk2 escort 1.7 £200
it definately pays to be a woman!!
never paid more than £550 for a car,
18 0NCB £550
18 - 22 4yrs NCB 206 1.4 £300
2l hyundai coupe 22 4yrs NCB £330
mk2 escort 1.7 £200
it definately pays to be a woman!!
14-10-2010, 10:14 AM
#66
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1997 i passwe my test at 17 and paid 700 quid on an E reg mk 2 fiesta 1.1 tpft.
year later I bought a mk4 escort 1.4l that was 800 tpft with 1 years no claims.
2000 i bought a 3i and that was 700 tpft with 3 years no claims.
2001 1989 Ford Escort RS Turbo with 9 points was 1200 quid fully comp with adrain flux which I thought was spot on for the offences. Now at the age of 30 I pay 250 for the escort on classic insurance, and 300 on a mk3 1.3 fiesta. You fella's at 18 / 19 get fucking raped, and there's no real benefit getting an old shitbox to run around in for 2 years to build up the NCB
(
year later I bought a mk4 escort 1.4l that was 800 tpft with 1 years no claims.
2000 i bought a 3i and that was 700 tpft with 3 years no claims.
2001 1989 Ford Escort RS Turbo with 9 points was 1200 quid fully comp with adrain flux which I thought was spot on for the offences. Now at the age of 30 I pay 250 for the escort on classic insurance, and 300 on a mk3 1.3 fiesta. You fella's at 18 / 19 get fucking raped, and there's no real benefit getting an old shitbox to run around in for 2 years to build up the NCB
(
14-10-2010, 12:13 PM
#67
Focus RS 0268
its not good, luckly i just paid for insurance on my focus just before the rise, but when i heard about it i got another quote just out of interest, currently, i have just paid £1100 ( onm y own policy)with mods declaired on my focus which i believe is very good (im 20 with 2 years ncb) checked again the other night, £4500... without mods...... thats a little more than 47% lol not looking foward to next time round, might need to do the same and have it off the road for couple of years
14-10-2010, 03:12 PM
#68
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its not good, luckly i just paid for insurance on my focus just before the rise, but when i heard about it i got another quote just out of interest, currently, i have just paid £1100 ( onm y own policy)with mods declaired on my focus which i believe is very good (im 20 with 2 years ncb) checked again the other night, £4500... without mods...... thats a little more than 47% lol not looking foward to next time round, might need to do the same and have it off the road for couple of years
I wish i could say it happens to the best of us but i dont think thats the case
14-10-2010, 03:45 PM
#70
Focus RS 0268
and tbh i dont even drive it that quick tbh cause theres no need really..... occasionally ill put my foot down on a dual carrigeway if its quiet but not lose ya license speeds..... save that till i get the balls to stick it on a track lol
14-10-2010, 03:49 PM
#71
Focus RS 0268
like i say untill everyone starts driving around with no insuracne theres no reason for them to drop their prices if poeple are payign them..... and like conor, i also get stupid quotes for small cars i.e. i got quoted 3.5k on a 1.9 deisel focus.....completly standard..... its stupid.... i think i may invest in a bicycle lol
14-10-2010, 04:59 PM
#73
tbh i dont think their going to go down untill near enough every young driver starts driving without insurance, if there getting 2-3k per young driver per year hundreds of young drivers, and its not like their going to run out with thousands of people passing each day/ week..... if they can get that sort of money for it they will!!!!
like i say untill everyone starts driving around with no insuracne theres no reason for them to drop their prices if poeple are payign them..... and like conor, i also get stupid quotes for small cars i.e. i got quoted 3.5k on a 1.9 deisel focus.....completly standard..... its stupid.... i think i may invest in a bicycle lol
like i say untill everyone starts driving around with no insuracne theres no reason for them to drop their prices if poeple are payign them..... and like conor, i also get stupid quotes for small cars i.e. i got quoted 3.5k on a 1.9 deisel focus.....completly standard..... its stupid.... i think i may invest in a bicycle lol
The ONLY way we're going to see cheaper premiums is when ambulance chasers and insurance fraudsters are stopped. My neighbour got £60k for a minor shunt - it's that shit that fucks it up for the rest of us!
14-10-2010, 08:02 PM
#74
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01-11-2010, 12:43 AM
#77
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hi chap, gutted 4 you,how old is it? just got classic insurance on my xr2i at about 1/4 of renewal price,not sure of age restriction tho. good luck fella.
01-11-2010, 02:02 AM
#78
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first car was a 6 year old 1.1 fezie and cost me £1000 and £1100 2 insure,3ed party ff at 19
rs turbo came along at 21 and cost £660 fully comp, stage1 mods listed
now 26 my saff 4x4 with again stage1 mods and alloys listed £465 fully comp, full no claimes and 6points listed.
got 2 work ya way up pall, and tell the truth with the upgrades. allso if u up rate the brakes its worth letting them no that 2. helped me on the 3ed year with the rst
rs turbo came along at 21 and cost £660 fully comp, stage1 mods listed
now 26 my saff 4x4 with again stage1 mods and alloys listed £465 fully comp, full no claimes and 6points listed.
got 2 work ya way up pall, and tell the truth with the upgrades. allso if u up rate the brakes its worth letting them no that 2. helped me on the 3ed year with the rst
01-11-2010, 02:17 AM
#79
Insurance is a joke Last year payed £520 for my daily driver, a X reg Golf Gti with 2 years no claims
Renewal price with 3yrs NC was £795
Spent 2 days on the phone and net and eventually got it down to £560.
Worst part is i can insure my cos, all mod declared with protected NC etc for a little over £600 (thats with 9yrs NC)
Renewal price with 3yrs NC was £795
Spent 2 days on the phone and net and eventually got it down to £560.
Worst part is i can insure my cos, all mod declared with protected NC etc for a little over £600 (thats with 9yrs NC)
Last edited by Gav Diamond; 01-11-2010 at 02:18 AM.
01-11-2010, 02:31 AM
#80
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im 19 been driving 2years now so got no claims, mk6 1.4 fiesta flame costs me £1500 to insure, shouldnt put your aims so high dude you cant ensure anything with a big engine for a while