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      02-18-2007, 06:15 PM   #1
ZiM
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Exclamation insurance: 3 points = 110 more!!!

hi peeps

just running some insurance quotes through elephant and adding my wife on...

the figure with me and my wife is 888 - add on the fact that my wife got an SP30 4 years ago (!!!!!!!!!!!!) and it goes up to 998!?!?!

now, the initial fine was 60 quid, fair enough - 36 in a 30

but every year we get done over for a load more and this is the worst yet, unfortunately, this is by far the best quote over other companies so i'm with them either way, but 110 quid is daylight robbery, it was 4 years ago for christs sake!

is this normal?
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      02-18-2007, 07:38 PM   #2
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Made no differance when I re-insured the wife on thursday, and she has 6 points, same price with or without the points, she's 29, that was with privilage changing from Frizzell, on a 318d m-sport.
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      02-19-2007, 05:18 AM   #3
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Quote:
Originally Posted by ZiM View Post
hi peeps

just running some insurance quotes through elephant and adding my wife on...

the figure with me and my wife is 888 - add on the fact that my wife got an SP30 4 years ago (!!!!!!!!!!!!) and it goes up to 998!?!?!

now, the initial fine was 60 quid, fair enough - 36 in a 30

but every year we get done over for a load more and this is the worst yet, unfortunately, this is by far the best quote over other companies so i'm with them either way, but 110 quid is daylight robbery, it was 4 years ago for christs sake!

is this normal?
I think the insurance guys are getting REALLY complicated these days.

I have 3 points - about 2 years old.

My wifes insurance cost actually DECREASED when she added me as a named driver.

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      02-19-2007, 05:43 AM   #4
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Insurance quotes are a lottery. There is no logic in most of them. All you can do is shop around.
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      02-19-2007, 06:04 AM   #5
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What amazes me is how two companies owned by the same parent can offer different quotes? Most certainley a lottery though. We haven't got a quote for the 335d yet. Currently the 330d is around £380ish.

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      02-19-2007, 06:12 AM   #6
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Quote:
Originally Posted by ZiM View Post
hi peeps

just running some insurance quotes through elephant and adding my wife on...

the figure with me and my wife is £888 - add on the fact that my wife got an SP30 4 years ago (!!!!!!!!!!!!) and it goes up to 998!?!?!

now, the initial fine was 60 quid, fair enough - 36 in a 30

but every year we get done over for a load more and this is the worst yet, unfortunately, this is by far the best quote over other companies so i'm with them either way, but 110 quid is daylight robbery, it was 4 years ago for christs sake!

is this normal?
In my experience, one advantage of getting married was a lower car insurance for me!
(Yes- we could go into that possibly being one of the few advantages, but that's another thread entirely, ok!)

I'm with esure & my current insurance, including my wife as a named driver, is £360- that's for my 330i SE saloon.
The quote was £390 for me alone & I have no points & 8 years no claims.

She had an SP30 (3 points) for the first year I got the insurance, & the cost was still lower than for me alone!
She has 10 years no claims.

For the 2nd year, the cost was lower than the first!


She has just re-newed her own car insurance with Sheila's Wheels (which is actually a subsidiary of esure & Halifax) & she saved £25 by adding me as a named driver.
The additional cost for her (having the 3 points- 3rd year) was £4!

We are also both over 35- the wife says 'only just', for her!

So I suggest you shop around- perhaps your quote is significantly affected by you & your wife's claims history / address / job / mileage / age(s) ?

Elephant also do not include all of the main insurers & will not cover all applicants under the exact same conditions.
After watching the Churchill ads, I looked at their quote in comparison to esure- it was about £300 more expensive! (That dog can go & f*ck himself, I thought! )


My wife suggests you try Confused.com & properly change your requirements to suit your circumstances.

She also suggests you change your car, if you can't get any lower! (She has a little Daewoo & pays less than £200!)

One more thing- every time I've had a renewal document sent out, it has been cheaper renewing online, as a new customer, & cancelling my current policy.


All the best.

Viv
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Last edited by vivekk; 02-19-2007 at 06:32 AM.
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      02-19-2007, 09:48 AM   #7
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(That dog can go & f*ck himself, I thought! )
Oh yes!

(I had a bad experience with Churchill so I'm in full agreement with this!)


I'm currently with esure. Used confused.com twice now and it's pretty good at finding competetive quotes. My 3 points cost me an extra 40 last year, so it'll be interesting to see what happens when I have to renew in April.
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