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      01-17-2011, 06:41 AM   #1
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Question Car Insurance!!!



Its nearly time to renew my car insurance and I am starting to get quotes and its really annoying!

Why is it soooo expensive!!?

Im 26, 2 years no claims, 3 points i got in dec 2007 (so dont need to declare them now). Postcode (probably the worst bit) is BD7, car kept on the street and no mods, probably worth about 7-8k

Im getting stupid prices like 1.5-2k and thats with an excess of 3k!!!!!!

with a reasonable excess of 500ish its still about 2k!!

Tried the usual - confused, moneysupermarket, gocompare etc etc but can n e one recommend a good broker that can arrange for some reasonable insurance for <1k?

Urfan
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      01-17-2011, 06:46 AM   #2
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Try Aviva. I got 2 months free which got me down from 800 to around 650.
I think they give away 12 weeks free now
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      01-17-2011, 06:51 AM   #3
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Could be the postcode making it a problem. BD7 says "refer" on the tables, which means they don't even quote band F (which is the highest risk)!
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      01-17-2011, 07:01 AM   #4
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Aviva my a$$ they wanted 6k!!
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      01-17-2011, 07:10 AM   #5
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Quote:
Originally Posted by uke92dude View Post
Could be the postcode making it a problem. BD7 says "refer" on the tables, which means they don't even quote band F (which is the highest risk)!
Do you work in insurance?
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      01-17-2011, 07:31 AM   #6
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Try Chris Knott Car Insurance, they sponsor a lot of BMW forums too and usually give great discounts.
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      01-17-2011, 07:51 AM   #7
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Quote:
Originally Posted by urfankhaliq View Post
, 3 points i got in dec 2007 (so dont need to declare them now)
Even minor speeding points are on your licence for FOUR years from offence nowadays. So yours are valid til Dec 2011 at the earliest. If it went to court then it is 4 years from the conviction, which is even longer.

Aside from that, 99% of insurers ask if you have any offences in the last 5 years which is not related to the 4 years DVLA limit, so you'll still have to tell them up until Dec 2012!!

Quote:
Originally Posted by uke92dude View Post
Could be the postcode making it a problem. BD7 says "refer" on the tables, which means they don't even quote band F (which is the highest risk)!
We live in a REFER area (M21) its crap - thats why mine is 1200 and rising. (39yrs / full ncb / no bumps or offences)
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      01-17-2011, 08:13 AM   #8
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Quote:
Originally Posted by urfankhaliq View Post


Its nearly time to renew my car insurance and I am starting to get quotes and its really annoying!

Why is it soooo expensive!!?

Im 26, 2 years no claims, 3 points i got in dec 2007 (so dont need to declare them now). Postcode (probably the worst bit) is BD7, car kept on the street and no mods, probably worth about 7-8k

Im getting stupid prices like 1.5-2k and thats with an excess of 3k!!!!!!

with a reasonable excess of 500ish its still about 2k!!

Tried the usual - confused, moneysupermarket, gocompare etc etc but can n e one recommend a good broker that can arrange for some reasonable insurance for <1k?

Urfan
the value of your car plays a tiny part in the quote.

You can do just as much damage with a 7k car as you can a 50k one.

Snow, insurance companies investments not making upi the usual shortfall, the "my neck hurts" brigade, and "I need a ferrari whilst my fiesta is being fixed" have all resulted in premiums going up.
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      01-17-2011, 09:16 AM   #9
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I'm 23 and I only pay 550 with MoreThan, 2 years no claims and no convictions etc.
Swiftcover recently quoted me 500 so next time i'm switching to them.

I think it must be the post code or the speeding!

Both post codes I use are in the lowest risk band.
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      01-17-2011, 10:26 AM   #10
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OMG I just tried Swiftcover and with my postcode they declined the quote!!!! When I change the postcode to HA2 as a test it gave me a price!!

Dammit!!
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      01-17-2011, 10:46 AM   #11
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yeah, sounds like the post code is fcukin u up...
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      01-17-2011, 10:52 AM   #12
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Quote:
Originally Posted by edowen View Post
the "my neck hurts" brigade, and "I need a ferrari whilst my fiesta is being fixed" have all resulted in premiums going up.
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      01-17-2011, 10:58 AM   #13
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Quote:
Originally Posted by zltm089 View Post
yeah, sounds like the post code is fcukin u up...
Looks like i need to move then! Probably cheaper option too!
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      01-17-2011, 11:18 AM   #14
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Our house was supposed to be BD13. The boundary was then changed and it became BD6, which sent all insurance sky high. Too many bad postcodes in Bradford unfortunately. We are hoping to move to a more favourable post code in the very near future.
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      01-17-2011, 04:48 PM   #15
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I'm not sure how much difference it makes, but from an old Top Gear episode they reported that Occupation also had quite an impact on the premium. "Journalist" was seen as a high-risk group, so Jeremy got cheaper quotes by saying he was a Doctor. I reality it's perhaps not such a good idea to lie, but perhaps it explains why some of us pay more (or less) than others.
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      01-17-2011, 04:52 PM   #16
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Man I feel priviledged.

Last time I insured the 335 it was like 500 quid and I was 25.
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      01-17-2011, 08:37 PM   #17
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Im from N.Ireland n im only 22 with 3yrs n only cost 1k with axa!

I thought the insurance was far cheaper in england!
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      01-18-2011, 04:15 AM   #18
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Quote:
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Man I feel priviledged.

Last time I insured the 335 it was like 500 quid and I was 25.
Was that with you as a named driver on your dad's insurance?


We're moving to rural Staffordshire this year, I've already done some quotes - my insurance will be 1/3rd of what it is in Manchester!

Can't wait to get away from all these scumbags!
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      01-18-2011, 04:33 AM   #19
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I pay 700 with admiral with 2yrs NCD with a postcode rated F. It's got cheaper for the last two years too but admiral were the only ones quoting below 1k
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      01-18-2011, 04:49 AM   #20
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Quote:
Originally Posted by doughboy View Post
Was that with you as a named driver on your dad's insurance?


We're moving to rural Staffordshire this year, I've already done some quotes - my insurance will be 1/3rd of what it is in Manchester!

Can't wait to get away from all these scumbags!
Have never done that. Own policy and i I think I had 4/5 year NCB.

Not bad considering it was mapped also. Must be a decent post COde
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      01-18-2011, 05:57 AM   #21
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Quote:
Originally Posted by SteveF1 View Post
I pay 700 with admiral with 2yrs NCD with a postcode rated F. It's got cheaper for the last two years too but admiral were the only ones quoting below 1k
Even though i'm now over 5 years on a speeding 3 pointer and a speeding ban, so I no longer have to declare it, my quotes are still up on last year!!

Roll on moving from a 'REFER' area to an 'A' area!
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      01-18-2011, 09:56 AM   #22
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Moving house mate?! Due to job?
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