Car insurance who do you use? - Page 3

stamford · 08-08-12, 07:16 AM

I'm currently with Adrian Flux due to the level of covered mods. However since replacing the interior etc I shall be looking elsewhere with notified but not covered mods. No point considering their worth these days. Was paying around £500 but I do insure two other cars and the full NCB is on the Landy. Admiral.............what a joke, all three were more expensive with them and I am paying alot less with three different insurers.

MGF is with Churchill.
Landy is with LV.

daytona365 · 06-08-12, 08:15 PM

I find, its best to look around. A company that was expensive last year may be cheaper this year. With Hastings Direct at mo, but they were out of the running last year! My premium at mo is £369.49. One reason its cheap is I said NO to legal cover, and breakdown. You have to be careful of the "add ons" I have my own legal and breakdown. Garage, limited mileage, plus my job is low risk. Lucky I live in a low risk postcode..............Its not easy...

andy-81 · 06-08-12, 08:31 PM

Yeah adding on to the post code thing,it does make a large difference I was pi55ing about on the confused.com site and I put my post code in and it was 359.24 and then put in my grans postcode and it was 30 quid cheaper!!

daytona365 · 06-08-12, 09:40 PM

Quote:

Originally Posted by andy-81

Yeah adding on to the post code thing,it does make a large difference I was pi55ing about on the confused.com site and I put my post code in and it was 359.24 and then put in my grans postcode and it was 30 quid cheaper!!

Very true. When I was still married, my car a Rover 214SEi was insured with the co-op. I moved out and stayed with my parents in a much nicer part of the town. Clean, could leave doors open you know... Anyway rang up the insurance to tell them my new addy, they wanted another £90!!! I said why? Reason my new postcode had more claims than the old one. I said thats cos no-one in my old area had insurance to claim on lol. They said sorry, £90 please.

Thats why where I live, its so cheap, as I live above a shopping estate, so the majority of postcodes dont have car insurance, so the claims per person are very low.

guru · 07-08-12, 12:48 AM

My cars are a mix of Swiftcover and Tesco, although Swiftcover quoted less on all 3 last year I couldn't be bothered to move my policy over for the sake of a tenner.
I've very lucky to live in the middle of what must be one of the cheapest postcodes in England for insurance. My ZT-T 190 came in at £230 this year, although oddly the renewal on the ZS is actually higher at £280!!!! Must just be down to the theft risk / accident rates on the 2 cars I guess.

mattie007 · 07-08-12, 09:10 AM

Chris Knott for me. For the last 3 years I've paid £250. 26, 7 years NCB, all mods declared.

Nobrainer · 07-08-12, 09:43 AM

Aviva. Have given me the cheapest quote for several years now. ZS is quite heavily modified and Flux said they wouldn't touch it but they did. Slight difficulty with the guy on the phone, didn't have a clue, but I gave him all the details and he seemed happy. Adrian flux told me modified cars can be cheaper as they are seen as low risk enthusiasts cars.

p_b82 · 08-08-12, 10:35 AM

i used Aplan, and Greenlight the past 2 years.

but ring round all the brokers and try specialists to get them all to lower their prices. it takes some time but my premium has not moved for the past 3 years as a result.

stamford · 17-09-12, 05:56 PM

Fecking renewal time and Flux are taking the ****! £630! So trawling through all the sites and some are having a right larf! I cannot believe the amounts being quoted, wish it was not modified as Directline quoted me £228, so far the best cover has been £425 which I still find alot.

Anyone got any updates on the contents to this thread? Will sticky this so we have a list of who we used and why.

petet16 · 17-09-12, 06:08 PM

It puzzles me how they work out quotes, the T16 zs is insured with Flux and this year was the same price as last year, I've used Flux for years for various modded cars and tbf they've been ok.

Last year the 180 was insured with axa through an online broker (yescarinsurance avoid like the plague), and doubled for me and Jill, so I went directly to axa and got exactly the same cover for half the price which makes me think yescarinsurance were taking a massive skim for themselves.