Insurance Premium wtf!! @ im OLD

[C13URD]

As you've guessed had my renewel through today from Privilege ?761... wtf

now im no spring chicken 45yrs young 8+ yrs no claims yes i have made a claim in feb 2009 @ i have declared the mods...

so i ive just spent about an hour searching the internet as you do...tried the usual...

Go compare..
Money supermarket.com @ Swift cover.. etc

best i can find.. on Go compare was..

Admiral.
# fully comp...
# mods declared....
# protected NCB always do!
# Legal Assistance
# Courtesy car
# Windscreen Cover
# Personal Accident
# Voluntary Excess ?500.. Compulsory Excess ?60..

Premium ?616.31 one of payment.. saves me ?150

i can get it far cheaper if i say dont protect my no claims but i have done so for the last 5yrs or so..

Any thoughts or advice feel free...............

[KirkJames]

It's a joke mate, admiral is the best for me, mine came through at about ?550 one off payment or ?620ish for monthly. I have my Step Dad on there as a named driver. He's retired and never claimed/points etc and that did help. I am 30 with 11 yrs ncb but did get 6 points 4 years ago.
My missus's Dad is a named driver on hers and he works as a metal worker, but check this out for absolutely absurd........we put his job down as a structural engineer (which he basically is) and it went down by........?100. How on earth do they justify/work that out, it's virtually the same job...... any excuse nowadays buddy! MONEY GRABBERS!!!
They know we have to have it and they have us by the gonads!

[C13URD]

Thats with my mrs on @ she hasnt been near a car for 20 yrs...
if i take her off it goes up by about ?70-?80... how they work it out is beyond me buddy,,....

quite happy with ?600 tho..

yr step dad's brought yrs right down if mines anythin to go by...
i bet if you took him of it wud shoot up...

[KirkJames]

Originally Posted by C13URD

Thats with my mrs on @ she hasnt been near a car for 20 yrs...
if i take her off it goes up by about ?70-?80... how they work it out is beyond me buddy,,....

quite happy with ?600 tho..

yr step dad's brought yrs right down if mines anythin to go by...
i bet if you took him of it wud shoot up...

It does mate that's why I put him on there. It really is different for everyone. What's good for one person is not necessarily good for another. I used to be with Adrian Flux for years as they were the best for me but they just can't do a good deal for me nowadays. Least you don't have to worry now chap!

[*lukey*]

try adrian flux, sky or Endsleigh,

insurance is a rip off when i got my zed i also had a job change, i worked at the same place i just went from being an electrican to an assistant opperator, droped my premium by ?175 quid!! i was the same person working at the same place but my job title got me ?175 quid off!!! how does that make any sence!!!

[Smokie]

its an absolute rip off insurance excess so high coupled with the hike in premium when you renew they make it so its not worth claiming. as said they have you by the short and curlies robbing gits.

[carmadbaker]

try sky insurance they loooove mods! i insure the turbo for ?800 all mods declared (FC, ?0 excess, 21 4 NCB)

[stamford]

Adrian Flux for mine, went up on last years but haven't they all! You'll get a discount for being on an owners website.

[idge2003]

Its all the No win no fee claims that are going on that is putting premiums up! A few years ago people just wouldn't claim as it may cost money and get nothing back!

Also insurers give a maximum discount it doesn't matter if you've been claim free since the car was invented you won't get anymore that someone else who's got the maximum after say 8 years!!

Mine went up about 30% this year through SKY but to be fair for the past 3 years they have been a good ?150 less than the next cheapest quote!

Brett

[Captain Peanut]

Tesco may be worth a try, I'm currently paying about ?400 a year with no excesses (thats with 9yrs NCB) although the car isn't modded in any way.

The reason the job title effects the premium is all down to risk weighting, effectively the insurance companies all rank different jobs according to factors that they think will increase, or decrease, the chances of a claim being made. This is calculated based on many factors, including previous claims history for that specific title. Jobs that could involve working long hours, lots of travelling, high stress etc carry a higher risk than a low stress 9-5 job. Thats why my job is listed as a Customer Services Advisor rather than an IT helpdesk manager. You just have to apply a bit of lateral thinking ;-)