guitarman001 Posted July 4, 2011 Share Posted July 4, 2011 It's that time again. Last year I did some serious haggling just to get my quote down to what it was the year prior, which was shocking enough. 4 years NCB, Ford Focus, 26 y/o... Last year £500. This year £570 with the same set of details!!! Who are you guys going with? How are you finding it? Have always stuck with DirectLine as they've always given me a good deal (ish) - but looking further afield again. Link to comment Share on other sites More sharing options...
GinAndPlatonic Posted July 4, 2011 Share Posted July 4, 2011 Have always stuck with DirectLine as they've always given me a good deal (ish) - but looking further afield again. Its costing an arm and a leg to insure a car nowadays. Try this site http://www.bullseyeinsurance.co.uk/car/ I`ve used them in the past. I believe directline are one of the most pricey companies there are. Use a price comparison site !. Link to comment Share on other sites More sharing options...
guitarman001 Posted July 4, 2011 Author Share Posted July 4, 2011 I've tried gocompare but I get the same old companies every year, with 'Hastings Essential' being the cheapest. It is just a JOKE. I was expecting something like £450 at the MOST. Can't keep affording £500 every year when nowt is going to happen to it. Christ, that £500 will eat up my yearly bonus! Link to comment Share on other sites More sharing options...
GinAndPlatonic Posted July 4, 2011 Share Posted July 4, 2011 I've tried gocompare but I get the same old companies every year, with 'Hastings Essential' being the cheapest. It is just a JOKE. I was expecting something like £450 at the MOST. Can't keep affording £500 every year when nowt is going to happen to it. Do you keep your excess high and put a low mileage per year (within reason) when you place your details.? All types of insurance has been leaping up year in year...theres no way around it..unless you buy a push bike or one of these ! = http://www.alienbikes.co.uk/ Link to comment Share on other sites More sharing options...
guitarman001 Posted July 4, 2011 Author Share Posted July 4, 2011 I keep my excess in the 'middle ground' of approx £250. Do you guys push it all the way up? Hell's bells..... that Bullseye site just gave me a quote of.................... £992!!!!!!!! EDIT - christ, if I go 3rd party on DirectLine it costs MORE than fully comp! And look at all these excesses you have to pay even if you do have an accident (windscreen damage etc).. And you have to pay extra to keep your NCB, not that it seems to be mattering here. This is daylight ROBBERY!!! GRRRRRRR, going out for a walk now. Link to comment Share on other sites More sharing options...
DrMartinSanchez Posted July 4, 2011 Share Posted July 4, 2011 Another thread about rocketing insurance costs. Here we go again. Link to comment Share on other sites More sharing options...
ccc Posted July 4, 2011 Share Posted July 4, 2011 Elephant. 33 years old. Fully comp. Older car [10 years] driving 5-10k per year. Still it is a 1.9TD Volkswagen so no small car. Also insured to drive any one elses car 3rd party. Low excess of £150 max. 6 years no claims. £240 per year. I think that is pretty reasonable. Link to comment Share on other sites More sharing options...
interestrateripoff Posted July 4, 2011 Share Posted July 4, 2011 They are trying to price proles off the road so the elites can drive around faster. Petrol up, you can't avoid paying for it. Insurance up, you can't drive without it. They want cars off the road this is the quickest way about it. Link to comment Share on other sites More sharing options...
joe_ Posted July 4, 2011 Share Posted July 4, 2011 I think the OP's price is pretty normal. I'm 30, with 10 years NCB, getting quotes of around £350 fully comp for a 1.4 diesel However, a couple of years ago I was paying £200 on a car with a higher insurance group (4 higher), so it's just the prices have gone up massively. Goodness knows how you can afford to drive if you're in your early twenties. Link to comment Share on other sites More sharing options...
Bossybabe Posted July 4, 2011 Share Posted July 4, 2011 I got mine last month from Asda, through Quidco, for £211, 9 years NCB, having been quoted £301 by the Post Office who insured me last year. Landcruiser VX 4.2 Diesel. Link to comment Share on other sites More sharing options...
Executive Sadman Posted July 4, 2011 Share Posted July 4, 2011 27, 8years NCB, similar car, gone down a little this year (ie £340 to £320) but went up A LOT last year (ie £260 to £340) Very low risk postcode. First year i was driving (2001) i was paying about the same. It seems my insurance inflation is going up at the same rate as my age Im doomed to always pay £250-350 for insurance it seems. Did work in an insurers for a while. Cheapest seems to be 1980s cars in the North West Highlands. Lots of sub >£100 premiums there. Link to comment Share on other sites More sharing options...
Bossybabe Posted July 4, 2011 Share Posted July 4, 2011 They are trying to price proles off the road so the elites can drive around faster. Petrol up, you can't avoid paying for it. Insurance up, you can't drive without it. They want cars off the road this is the quickest way about it. Yippee! fuelled with biiofuel, I'm dying to drive around faster. Out of the way, you proles!! Link to comment Share on other sites More sharing options...
guitarman001 Posted July 4, 2011 Author Share Posted July 4, 2011 Just tried Elephant. £580+! And what is the difference between protecting and guaranteeing the NCB? I dread to think how much it'd go up by if I had any prior claims........! Directline still best (ugh) so far - now trying moneysupermarket. --> Hastings Essentials coming out top again. Anybody heard of them? Sorry for 'another insurance thread' but hey... help a guy out! Link to comment Share on other sites More sharing options...
hedgefunded Posted July 4, 2011 Share Posted July 4, 2011 That Bullseye site was a joke. Just me, full licence for 30 years. No accidents, no convictions, living in the country, £300 fully comp. Doesn't sound too bad? That's for a Toyota Aygo. Link to comment Share on other sites More sharing options...
ccc Posted July 4, 2011 Share Posted July 4, 2011 You have a bora dont you, which one is it in terms of engine power? My golf gti which is really the diesel PD150 all std and I paid £448.11 for mine full comp hence the Q? Only 90BHP I think. Lots of torque though. Think it is only group 8. I assume yours is a little quicker off the mark. Just tried Elephant. £580+! And what is the difference between protecting and guaranteeing the NCB? I dread to think how much it'd go up by if I had any prior claims........! Directline still best (ugh) so far - now trying moneysupermarket. --> Hastings Essentials coming out top again. Anybody heard of them? Sorry for 'another insurance thread' but hey... help a guy out! You sure it is not your postcode that is causing the expense ? IIRC you live near a rough area ? Try one for a leafy area of Edinburgh and see what the difference is ? Not that it will help you much - maybe just piss you off more. Link to comment Share on other sites More sharing options...
guitarman001 Posted July 4, 2011 Author Share Posted July 4, 2011 You're probably right - I'll have to check this out another time when I have the will... Link to comment Share on other sites More sharing options...
ccc Posted July 4, 2011 Share Posted July 4, 2011 Yeah a little quicker but I know people who wouldnt touch them becuase they are slow in a 0-60. But I employ a little trick of slipping the clutch as I accelerate away to keep the revs up in the torque band and to minimise wheel spin. It goes quickly then and I get the odd surprised look then. I also dont run around with loads of crap in the car and have the aircon off to get the maximum available power out of it as well. Do you do lots of drag races Link to comment Share on other sites More sharing options...
rxe Posted July 4, 2011 Share Posted July 4, 2011 Licence for 20 years, no convictions, home counties post code, 4.6 litre land-rover, £290. I think that's a bargain. I have an old 2 litre Alfa (old, but it will do 120+), limited mileage (2000 miles), £95. Another bargain. What I hate about some insurance companies is that the quotes are made up. Every year, Mrs rxe gets a £1K renewal for her car. She roots around on line and turns it up for £400, and rings the original company. OK, they say, £400 it is. What sort of business just makes a number up, then agrees to more than halve it? Link to comment Share on other sites More sharing options...
ccc Posted July 5, 2011 Share Posted July 5, 2011 Licence for 20 years, no convictions, home counties post code, 4.6 litre land-rover, £290. I think that's a bargain. I have an old 2 litre Alfa (old, but it will do 120+), limited mileage (2000 miles), £95. Another bargain. What I hate about some insurance companies is that the quotes are made up. Every year, Mrs rxe gets a £1K renewal for her car. She roots around on line and turns it up for £400, and rings the original company. OK, they say, £400 it is. What sort of business just makes a number up, then agrees to more than halve it? BoE ? Link to comment Share on other sites More sharing options...
SarahBell Posted July 5, 2011 Share Posted July 5, 2011 Do you keep your excess high and put a low mileage per year (within reason) when you place your details.? An honest mileage is what you should put down. There is no point fibbing on insurance. Link to comment Share on other sites More sharing options...
GinAndPlatonic Posted July 5, 2011 Share Posted July 5, 2011 An honest mileage is what you should put down. There is no point fibbing on insurance. Well actually the mileage is estimated so honesty can only go so far dear Link to comment Share on other sites More sharing options...
SarahBell Posted July 5, 2011 Share Posted July 5, 2011 Well actually the mileage is estimated so honesty can only go so far dear But you know what you did last year, and the year before and the year before that... Link to comment Share on other sites More sharing options...
GinAndPlatonic Posted July 5, 2011 Share Posted July 5, 2011 But you know what you did last year, and the year before and the year before that... Yes but you are insuring your car for the next year....a bit like houses.........values can go down as well as up Link to comment Share on other sites More sharing options...
Jason Posted July 5, 2011 Share Posted July 5, 2011 When someone drove into me, 100% proven to be their fault, my insurance went up by about £100. It's now circa £450 with Elephant. As I'm with elephant, I usually do a quote with Admiral or Bell then ring up Elephant to know the price down as it's the same company or linked (infact it's the same staff who man the phones). Also, another trick is to add an older female as a named driver (assuming no points or accidents), that might help to bring the cost down a little. Link to comment Share on other sites More sharing options...
Rare Bear Posted July 5, 2011 Share Posted July 5, 2011 I find the comparison sites OK for my wifes Ka, £240 this year. For my Exige the comparison sites are useless, just have to spend a few hours on the phone to the high performance specialists, £360 this year. I am 61 though and she is a couple of years younger, both of us with cleans licences and umpteen years no claims. Link to comment Share on other sites More sharing options...
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