Insurance gone mad!!

giotecno · 03-25-2010, 03:51 AM

Mate I have a fully clean licence 29yr old and 3yr NCB on my current london postcode they have been quoting me £1100-£1500 and I have no offences or anything... Insurance scums... I am going to be cheeky and quote my cousins post code, change the v5 to there

as quotes on there seems to drop it to £500 odd

for 3 years I have been paying over a grand for sod all... I could save over 600-700 quid... just a bit hesitant...

doughboy · 03-25-2010, 04:01 AM

They're not daft mate.

It's all on databases now, it'll flag up if you say you 'live' somewhere else when you don't.

If you have an accident or someone hits your car, are you going to lie to the police too about where you / the car live??

What about your driving licence address? Will you falsify that too?

It could all get very nasty very quickly....

Hotcoupe · 03-25-2010, 04:02 AM

Quote:

Originally Posted by giotecno

Mate I have a fully clean licence 29yr old and 3yr NCB on my current london postcode they have been quoting me £1100-£1500 and I have no offences or anything... Insurance scums... I am going to be cheeky and quote my cousins post code, change the v5 to there

as quotes on there seems to drop it to £500 odd

for 3 years I have been paying over a grand for sod all... I could save over 600-700 quid... just a bit hesitant...

That's one of the best ideas I've heard of in a long time................
to ensure you invalidate your insurance cover!

Is that why you are a bit hesitant?

giotecno · 03-25-2010, 04:26 AM

I know its wrong and yep hesitant on all those counts boys, I do understand its wrong but I cant afford to pay out £1500 in one month and when you want it in installments they charge you another £200 + Interest. my current insurers want £200 a month, this is too much for me. My cousins address is where I have some of my mail going to anyways so changing my licence address to there isnt a problem. But I might just increase my excess and see what happens

Captain Chaos · 03-25-2010, 05:34 AM

Quote:

Originally Posted by giotecno

for 3 years I have been paying over a grand for sod all...

Maybe. But sod all is exactly what you'll get paid out when they discover the truth, too. This isn't the 80s when people could blag that kind of thing and insure half the family too, the insurance industry spends millions fighting fraud and corruption in order to avoid payouts. You'll just be another statistic to them, but it'll be a much bigger problem to you personally.

If you're confident that you won't be having any dings, then yep increasing your excess is the best option, and it can work quite well with some insurers.

Kal · 03-25-2010, 05:45 AM

Thought it was only me having this problem.
28, 8 years NCB, no accidents or points ever and it went up from 850 to 1250 this year.
Luckily Aviva did a good deal but the excess is a joke, they charge £300+250 because of the type of car :S

philreid · 03-26-2010, 09:19 AM

Quote:

Originally Posted by giotecno

I cant afford to pay out £1500 in one month..

Put it on a credit card, and set up a standing order for the premium amount divided by twelve. Then don't touch the standing order!

Also, you'd be paying a lower APR than the probably 20% the insurance company would charge you and there would be no added cost for spreading the payments.

That's what I'd do, anyway.

HTH

EddieL · 03-30-2010, 11:49 AM

Just insured my car.

My wife and myself both fully comp.,Protected NCB 9+ yrs, SDP + Commute, £0 Voluntary £100 Compulsary excess. New for Old in first year and Scottish Customer Services 1.5miles from my house.... £311.

BGM · 03-30-2010, 12:31 PM

Quote:

Originally Posted by EddieL

Just insured my car.

My wife and myself both fully comp.,Protected NCB 9+ yrs, SDP + Commute, £0 Voluntary £100 Compulsary excess. New for Old in first year and Scottish Customer Services 1.5miles from my house.... £311.

oh my god!

dxb335d · 03-30-2010, 12:52 PM

Eddie is 60.

BGM · 03-30-2010, 12:57 PM

Quote:

Originally Posted by dxb335d

Eddie is 60.

phew, but surely should have migrated to a 5er or 7er by now

EddieL · 03-30-2010, 01:05 PM

Quote:

Originally Posted by dxb335d

Eddie is 60.

Not quite,

Eddie is 38 wife 31. Cars only a group 12 or something though. I'm coming down from a group 17 but cars worth £10k more.

Jeff123 · 03-30-2010, 01:33 PM

Quote:

Originally Posted by EddieL

Just insured my car.

My wife and myself both fully comp.,Protected NCB 9+ yrs, SDP + Commute, £0 Voluntary £100 Compulsary excess. New for Old in first year and Scottish Customer Services 1.5miles from my house.... £311.

Who is it with?

dxb335d · 03-30-2010, 01:37 PM

Quote:

Originally Posted by EddieL

Not quite,

Eddie is 38 wife 31. Cars only a group 12 or something though. I'm coming down from a group 17 but cars worth £10k more.

I was Joe King Bud!

AlanQS · 03-30-2010, 01:48 PM

I'm in an "E" area - not good, but with unbroken no claims bonus for over 30 years and clean license, I insure me and my wife for £296 with NCB protection and £150 excess.

dxb335d · 03-30-2010, 02:20 PM

I live in good area. No claims blah blah. at 25 insurance 600 quid with re-map.

EddieL · 03-30-2010, 02:31 PM

Quote:

Originally Posted by Jeff123

Who is it with?

KwikFit Insurance. I've used them before many moons ago but I rarely stay with one company. I would have switched my current policy with elephant but there was a bit of a language barrier with the call centre worker.

Quote:

Originally Posted by dxb335d

I was Joe King Bud!

I know you were but wasn't sure others knew.

.

dxb335d · 03-30-2010, 02:33 PM

Quote:

Originally Posted by EddieL

KwikFit Insurance. I've used them before many moons ago but I rarely stay with one company. I would have switched my current policy with elephant but there was a bit of a language barrier with the call centre worker.

I know you were but wasn't sure others knew.

.

chris330D · 03-30-2010, 03:57 PM

I had a massive range in quotes but got a 12months for 10 from Aviva. Came out at £242 for my 330d. That's me and the wife SDP + Business, clean licence and full no claims on a standard car, no mods.

jjbirch · 03-30-2010, 04:19 PM

my one was £442 last year with 6NCB for 320d with the wife too, BMW UK,letter just come in £563 7NCB lol gone up just rung tesco and i can get it for £380 looks like i am moving

zltm089 · 03-30-2010, 07:41 PM

Quote:

Originally Posted by giotecno

Mate I have a fully clean licence 29yr old and 3yr NCB on my current london postcode they have been quoting me £1100-£1500 and I have no offences or anything... Insurance scums... I am going to be cheeky and quote my cousins post code, change the v5 to there

as quotes on there seems to drop it to £500 odd

for 3 years I have been paying over a grand for sod all... I could save over 600-700 quid... just a bit hesitant...

lol...i wouldn't b so open on the forum....

and yes, insurance is a fuckin big joke ....£2k for insurance ....its just crazy money!...

£5k if ur a younger driver for a brand new sports car...

pjs · 04-05-2010, 01:48 PM

To save opening another thread, Just got my renewal through from Privilege, gone up from £696 to £873 (no changes whatsoever except my and my wife are a year older). 10 minutes on confused dot com turns up quite a few between £600 and £700, with one clearly the cheapest by somemargin - Swiftcover at £524.

Anyone any experience of Swiftcover?

03-25-2010, 03:51 AM	#67
giotecno THE DIESEL WEASEL 26 Rep 304 Posts Drives: BMW 330e Join Date: Aug 2008 Location: London iTrader: (1) Garage List 2017 BMW 330e [0.00] 2005 320D ES [0.00]	Mate I have a fully clean licence 29yr old and 3yr NCB on my current london postcode they have been quoting me £1100-£1500 and I have no offences or anything... Insurance scums... I am going to be cheeky and quote my cousins post code, change the v5 to there as quotes on there seems to drop it to £500 odd for 3 years I have been paying over a grand for sod all... I could save over 600-700 quid... just a bit hesitant... __________________ THE TURK....
	Appreciate 0 Quote

03-25-2010, 04:01 AM	#68
doughboy Major General 1545 Rep 8,972 Posts Drives: 2018 M2 Comp 6MT Join Date: Jan 2009 Location: UK iTrader: (2)	They're not daft mate. It's all on databases now, it'll flag up if you say you 'live' somewhere else when you don't. If you have an accident or someone hits your car, are you going to lie to the police too about where you / the car live?? What about your driving licence address? Will you falsify that too? It could all get very nasty very quickly....
	Appreciate 0 Quote

03-25-2010, 04:26 AM	#70
giotecno THE DIESEL WEASEL 26 Rep 304 Posts Drives: BMW 330e Join Date: Aug 2008 Location: London iTrader: (1) Garage List 2017 BMW 330e [0.00] 2005 320D ES [0.00]	I know its wrong and yep hesitant on all those counts boys, I do understand its wrong but I cant afford to pay out £1500 in one month and when you want it in installments they charge you another £200 + Interest. my current insurers want £200 a month, this is too much for me. My cousins address is where I have some of my mail going to anyways so changing my licence address to there isnt a problem. But I might just increase my excess and see what happens __________________ THE TURK....
	Appreciate 0 Quote

03-25-2010, 05:45 AM	#72
Kal Second Lieutenant 14 Rep 200 Posts Drives: E92 335i M Sport Join Date: Jun 2008 Location: South Manchester iTrader: (0) Garage List 2007 335i Msport Coupe [0.00]	Thought it was only me having this problem. 28, 8 years NCB, no accidents or points ever and it went up from 850 to 1250 this year. Luckily Aviva did a good deal but the excess is a joke, they charge £300+250 because of the type of car :S
	Appreciate 0 Quote

03-30-2010, 11:49 AM	#74
EddieL Second Lieutenant 8 Rep 284 Posts Drives: 320i M Sport Join Date: Feb 2010 Location: UK iTrader: (0)	Just insured my car. My wife and myself both fully comp.,Protected NCB 9+ yrs, SDP + Commute, £0 Voluntary £100 Compulsary excess. New for Old in first year and Scottish Customer Services 1.5miles from my house.... £311.
	Appreciate 0 Quote

03-30-2010, 12:52 PM	#76
dxb335d The Tarmac Terrorist 948 Rep 29,345 Posts Drives: 997.2 GT3 Join Date: Mar 2007 Location: ''Fandango Towers'' iTrader: (3) Garage List 2010 Porsche 997.2 GT3 [9.50] 2003 BMW E46 M3 [6.00] 2007 BMW E92 335D [5.50]	Eddie is 60. __________________ 997.2 GT3
	Appreciate 0 Quote

03-30-2010, 01:48 PM	#81
AlanQS Colonel 240 Rep 2,810 Posts Drives: Jaguar XE P250 HSE Join Date: Jan 2008 Location: Glasgow iTrader: (0) Garage List 2016 430i m-sport G ... [0.00]	I'm in an "E" area - not good, but with unbroken no claims bonus for over 30 years and clean license, I insure me and my wife for £296 with NCB protection and £150 excess.
	Appreciate 0 Quote

03-30-2010, 02:20 PM	#82
dxb335d The Tarmac Terrorist 948 Rep 29,345 Posts Drives: 997.2 GT3 Join Date: Mar 2007 Location: ''Fandango Towers'' iTrader: (3) Garage List 2010 Porsche 997.2 GT3 [9.50] 2003 BMW E46 M3 [6.00] 2007 BMW E92 335D [5.50]	I live in good area. No claims blah blah. at 25 insurance 600 quid with re-map. __________________ 997.2 GT3
	Appreciate 0 Quote

03-30-2010, 03:57 PM	#85
chris330D Major 36 Rep 1,135 Posts Drives: F31 335d Join Date: Aug 2009 Location: Sussex, UK iTrader: (0)	I had a massive range in quotes but got a 12months for 10 from Aviva. Came out at £242 for my 330d. That's me and the wife SDP + Business, clean licence and full no claims on a standard car, no mods.
	Appreciate 0 Quote

03-30-2010, 04:19 PM	#86
jjbirch Banned 75 Rep 2,927 Posts Drives: E60 530D M SPORT Join Date: Feb 2006 Location: england iTrader: (0) Garage List 2006 320d m sport [0.00]	my one was £442 last year with 6NCB for 320d with the wife too, BMW UK,letter just come in £563 7NCB lol gone up just rung tesco and i can get it for £380 looks like i am moving
	Appreciate 0 Quote

04-05-2010, 01:48 PM	#88
pjs Colonel 274 Rep 2,774 Posts Drives: i8 Join Date: Oct 2008 Location: NORTH iTrader: (1)	To save opening another thread, Just got my renewal through from Privilege, gone up from £696 to £873 (no changes whatsoever except my and my wife are a year older). 10 minutes on confused dot com turns up quite a few between £600 and £700, with one clearly the cheapest by somemargin - Swiftcover at £524. Anyone any experience of Swiftcover?
	Appreciate 0 Quote