Car insurance having a laugh?

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  • Car insurance having a laugh?
  • trail_rat
    Member

    because footmanjames are a specialist car insurance co specialising in classic and modified cars .

    ill wager your passat is business they dont want

    Premier Icon Nobby
    Subscriber

    Depending on who she is insured with you MAY find they will offer you your own no claims bonus as a named driver on that policy.

    Admiral & Direct Line certainly do if you then insure with them.

    Yeah, aviva got me on their mailing list for some reason and clearly think I am a likely enough prospect to be worth chasing three or so times every year, but they quoted me something like £6k a year for a 13 year old golf which even with my low no claims and 2 years of driving costs well under 500 quid with anyone sensible. Win win for them, they don’t want the business, but if by chance some complete sucker pays it, then they get 5.5k extra to cover the hassle.

    the00
    Member

    Other insurers are available…

    Premier Icon tinman66
    Subscriber

    Car insurance is a joke, I’ve just moved house and had to update the policy on both my cars.

    I have an old Mk1 VW Jetta and a four year old Scirocco. Both are insured through the same broker but with different insurance companies. The company that insures my Jetta decided the area we’ve moved to is similar risk to the last house and didn’t charge anything for updating the policy. The Scirocco’s insurers decided the new area is much higher risk and charged my £100 or about 25% more for the ‘privilege’.

    Consistency would be nice.

    Mister P
    Member

    I will speak to her and see if I can get some NCD. Aviva (they were the banner ad at the top of the screen) quoted £1700 so I have already saved myself a grand 😆

    Premier Icon geoffj
    Subscriber

    Is the Beetle on a classic or regular policy? If regular, it may be worth switching it to a classic policy, and using the NCB from that on your passat.

    Premier Icon geoffj
    Subscriber

    Consistency would be nice.

    Be careful what you wish for – price fixing is only 1 step away.

    Mister P
    Member

    Alternatively what not totally naff cars are in a low insurance group?

    trail_rat
    Member

    these are some scary costs.

    i think im hard done by because i pay 320 quid FC on my van … when the car version with the more powerful engine is only 200 FC …..

    Does make me wonder what some of my friends are paying for powerful cars, one lad has an RS4 at the moment but he has a crash at least once a year … shouldnt be on the road let alone in a powerful car…

    tonyd
    Member

    We currently (til the end of the month) have an Admiral multi-car policy, the auto-renewal came through so I called them to see if they could go cheaper. Still ended up at £630 for two cars. One call to More Than and I saved £200 on almost identical policies.

    Crooks.

    Oh, while on the phone to Admiral they asked me if I’ve been on any speed awareness courses. Turns out now that if they ask you you have to tell them, which allows them to increase your premium anyway as it’s driving history.

    Kin crooks.

    Mister P
    Member

    Is the Beetle on a classic or regular policy? If regular, it may be worth switching it to a classic policy, and using the NCB from that on your passat.

    It’s on a classic policy so doesn’t get any no claims and is completely ignored when it comes to getting “proper” insurance.

    orangeboy
    Member

    That seems very high , I’ve just had to insure my new biking wagon ( golf tdi estate)
    Have no no-claims to use as i have another car insured and direct line only wanted £400 at the time I was a bit pissed but reading above wow

    Mister P
    Member

    I am 37, had a licence for 19 years, no points, no convictions, no claims in 10 years. I have a classic Beetle worth £4k and it is insured fully comp for just under £200 a year through Footman James.

    I need to buy a modern car as I have parted with my partner. Our current car is hers with me as a named driver and has been for a few years so I have no no-claims to apply to a policy. So for a Passat worth about £2.5k Footman James quoted me £2700 to insure fully comp 😯

    You could buy a bike for that! 😆

    Premier Icon maccruiskeen
    Subscriber

    Try a few different comparison sites. Some (I forget which) ask you more questions than others, the ones that ask about ownership of another car and / or time insured as a named driver on other peoples policies and ‘mirror’ that NCD resulting in much better prices.

    Premier Icon njee20
    Subscriber

    I work for the company who underwrite the Footman James classic car scheme, and it’ll almost certainly be because that’s their specialism, and their ‘normal car’ insurance will be underwritten by someone else.

    Just get yourself on Confused or similar, or cut out the middle man and go to Admiral, usually the cheapest!

    Mister P..excuse the off topic jump in here…but do you still have that XT rear mech that was offered up previously?
    Cheers

    cbike
    Member

    I have just discovered that its a nightmare to transfer NCB from Van policy to car policy even when not commercial. Car to Van is no bother at all.

    Swinton seem to be up for being reasonable though.

    Premier Icon ampthill
    Subscriber

    I think you have to try the big 3 comparison sites.

    In my experience insurance companies offer better deals to those that go through that process than go direct to their website

    Boba Fatt
    Member

    I use Elephant, not sure who underwrites them, similar to the OP, 37,lots of no claims but on a 13 year old VW Bora 2 litre……. 180 quid

    When it was renewal, they tried to charge me an extra 50 notes, told them I’d shop around, phoned me back 3 days later to see if I had got any better quotes and lopped the 50 quid back off

    logical
    Member

    I have an old Mk1 VW Jetta and a four year old Scirocco. Both are insured through the same broker but with different insurance companies. The company that insures my Jetta decided the area we’ve moved to is similar risk to the last house and didn’t charge anything for updating the policy. The Scirocco’s insurers decided the new area is much higher risk and charged my £100 or about 25% more for the ‘privilege’.

    Consistency would be nice.

    Maybe the 2nd insurer have had more claims in that area.

    Oh, while on the phone to Admiral they asked me if I’ve been on any speed awareness courses. Turns out now that if they ask you you have to tell them, which allows them to increase your premium anyway as it’s driving history.

    The do ask about motoring convictions or offenses. But you don’t need to tell them. If you mention it though they HAVE to put it down. It’s still classed as a speeding offence in the eyes of the insurers.

    Greybeard
    Member

    The do ask about motoring convictions or offenses. But you don’t need to tell them.

    You do if you want a valid insurance policy and you’re still within the legal period when you need to declare the conviction under Rehabilitation of Offenders Act. I think it’s 5 yrs for speeding – and it’s usually the last 5 years they ask about.

    Irish_AL
    Member

    Mister P, sadly its not the car or the fact you have no NCB, its the sodding postcode we live in, mine has doubled in the past year or so, when I challenged it apparently ‘theres alot of claims being made in the area’ 😕

    andrewh
    Member

    I insured my 8yr old Transit last year. 30yrs old with 7yrs NCD. £320
    .
    renewal this year, 9yr old van, 31yrs old with 8yrs NCD £690!!!
    .
    I had already seen £285 on a comparison site…
    .
    As an aside why can’t I use my NCD on 2 vehicles? It’s me that hasn’t crashed,not the car. Also, they don’t count the fact that I haven’t crashed when counting NCD on the second car but if I crash one I have to declare the accident on both insurances, proper double standards.

    Premier Icon scaredypants
    Subscriber

    Oh, while on the phone to Admiral they asked me if I’ve been on any speed awareness courses. Turns out now that if they ask you you have to tell them, which allows them to increase your premium anyway as it’s driving history.
    Kin crooks.

    If you’ve been on a course it means your driving’s as bad as someone who did get a SP30 and 3 points – in fact probably worse since you likely took the points because you’ve done this sort of thing before. why shouldn’t they count it ?

    why can’t I use my NCD on 2 vehicles? It’s me that hasn’t crashed,not the car. Also, they don’t count the fact that I haven’t crashed when counting NCD on the second car but if I crash one I have to declare the accident on both insurances, proper double standards

    bloody right

    Premier Icon aracer
    Subscriber

    As an aside why can’t I use my NCD on 2 vehicles?

    You can, with the right company and the right policy. I’m with LV (by far the best deal I can get anyway) and when I bought a new car I just insured it as a second car with them rather than switching the insurance, and then simply let the insurance on the first car lapse when it ran out (was effectively cheaper than getting short term insurance for a second car whilst I sold it). Got the same NCD for the second car. 13 years since I’ve had a claim I think so my NCD is maxed out. Oh, and I also have an SP30 within the last 5 years which doesn’t make any difference to my premium (I tried quotes with and without).

    I currently have 4 cars and have just gone through the insurance juggling game. Here’s my findings as I remember.

    Adrian Flux for a modified 600bhp Merc was 1200. Next best was 1900. After that it was north of 3k

    Aviva for a Isuzu TF pick up was 205. Adrian Flux could only insure it as a commercial vehicle and quoted 358

    Adrian Flux for a BMW Z3 that is going to be rebodied was about 280. They could have gone cheaper but this policy only adds 40 inspection fee for the rebodied version. The other policies would have either big premium jumps or wouldn’t cover it.

    Can’t remember what the 4th car is costing but by checking out different websites and ringing around I have saved up to £3,000 based on first quotes. Worth spending he time.

    If you are driving a normal car in normal conditions and have a good record you will get he best deal fro the main stream insurance companies rather than the specialists

    bland
    Member

    It’s all down to postcode!

    Look at This and see what your postcode falls under, then replace with a postcode in cat A and see what prices you get! This is playing a big part in where we will move to as moving from current F* to A will save us over £100/month on two cars which is a lot more mortgage!

    Mister P
    Member

    Thanks for the link. If my car lived at my parent’s address it would be 4 levels cheaper to insure. But that would be a bit naughty wouldn’t it?

    Premier Icon aracer
    Subscriber

    No surprise to find my postcode is A rated – I’d also expect where I actually live to be rather lower risk than the majority of the rest of our local A rated area. Interestingly the postcode where I first insured a car is E.

    andrewh
    Member

    I’m currently in an A area, nice to know.
    I used to live in the middle of Reading, which was a really dodgy place. Two years, one breakin, one attempted breakin, someone beaten up in the street outside the house for breaking into a different one, two people shot in an adjoining street, etc etc. That is apparently a C.. .. Why it isn’t an E or F I don’t know.(Watlington Street for those who know Reading)

    sambob
    Member

    Cheapest I could find was £1200 as a named driver, the joys of being 18 😥 Our 2010 Golf Bluemotion Estate is insurance group 6.

    Premier Icon Northwind
    Subscriber

    When I last did the bike, I got 3 quotes from my broker… One for £150, one for £170, one for £6500.

    andrewh
    Member

    andrewh – Member
    I insured my 8yr old Transit last year. 30yrs old with 7yrs NCD. £320
    .
    renewal this year, 9yr old van, 31yrs old with 8yrs NCD £690!!!
    .

    Called them today to ask them not to auto-renew. Turns out there were a couple of errors:
    They had changed me to having another vehicle.
    They had changed my named driver to not having her own vehicle.
    They had also changed her from passing her test in 1983 to 1997.
    They no longer had the van listed as modified.
    Most worryingly they had me listed as having had a crash, which is not true. I querried this and they told me it was on 4 October 2011. I pointed out that I had said no such thing when I started the policy and this date was before the policy start date. They had accepted my NCD and were now offering me another year, so the crash didn’t seem to have affected that at all.
    .
    Correcting these details brought the price down from £692 to £381. However, I had lost a little faith in them, went elsewhere and got it for £204.
    .
    Question: I give all the correct info at the inception of the policy, do not make any changes but they make mistakes like that on the renewal offer. If I didn’t check it and just let auto-renewal do it’s bit would they not pay out if I crashed citing incorrect information?

    Premier Icon Kryton57
    Subscriber

    OMFG.

    I pay £420 fully comp for a 240bhp 150mph german sports saloon, in London. Admiral btw…

    skids
    Member

    They have these comparison websites now that you can use to compare insurance. Pop your details in one of those and it will only cost you I would gues £200-300 year for that. They give you a meerkat toy too

    When we moved house my wife updated her details. Updated address which made no difference to premium, I then butted in and suggested she tell them its now parked on a drive. Policy went up! Apparently a high percentage of drive related incidents…that’ll be because most of the drives round here are very steep and ours is around 1 in 3! Nothing gets left without being chocked…

    We were then left pondering whether it is actually insured when parked on our drive overnight seeing as its deemed higher risk..?

    andermt
    Member

    It will insured on your drive if you told them that is where it is normally kept at night.
    If you say it’s garaged then no it won’t be.

Viewing 38 posts - 1 through 38 (of 38 total)

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