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Epiphany Saying Hi

Guest Epiphany

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Guest Epiphany

Guest Epiphany

Posted
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hi guys, (and girlies) im Joe, i live near Andy and Dougie and have been successfuly converted over the past few weeks to like Cavs, i dont as yet own one, but do have a vauxhall (Corsa C) got an insurance quote for an Sri of £4k  :'( so wont be going down that route for a while lol :Ha

Dougie and Andy have been moaning for a while that i never joined on here so here i am.

i might have seen one or two of you(cant realy remember at the Vauxhall Ford show in Coventry a few weeks ago with Dougie)

anyway enough of the Essay writing.

Hi

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Guest zero-defects

Guest zero-defects

Posted
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its because i am only 19, insurance companies have a thing about young people.

They take the piss.  

Think of a figure you'd be prepared to pay call this £X - PHONE around and say you've had a quote of £X + 10% and you were hoping they can do better.  EVENTUALLY you will get someone to bite with a real quote near to it but keep going until you get to what you think is reasonable.  I reckon you'd need to make 40 calls it might take all day or a week, but you must be able to get it for under a grand.  

Note : For Blokes : PUT a girl on your insurance !!!! OLDER sister is good if you have no partner.  For Girls : Don't put a bloke on your insurance, mother is good unless she's got convictions for Drunk in Charge.

Note 2 : Give them a Registration Number, because if you ring up and say you ain't bought the car yet, they can't really be bothered, cause there's only a small chance of business.   Tell them it's your car.  Once you get quote, changing the reg number ain't gonna matter  

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Guest zero-defects

Guest zero-defects

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£4k  SRi

And remember that the 1.8i's in CDi/GLSi/LXi/NONE SPORTING badge, are just as quick as 1.8 SRi's, and the 1.6 L is not that slow.  

The SRI 130 is a bit quicker, but I don't think it really makes much odds.  

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GrayhamSRi Newbie

GrayhamSRi

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tonight??

i will be bored, my work internet a bit messed up.

got a quote down to of 1500 so far.

Tried Adrian Flux yet ???

Got a super quote for insurance on an RS Turbo from them, i was only 19 and had 3 points on my license :)

Paying just over £300 quid now for the SRi, im only 22 ;)

How about classic insurance ???

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Guest zero-defects

Guest zero-defects

Posted
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tonight??

i will be bored, my work internet a bit messed up.

got a quote down to of 1500 so far.

Keep Going.

I reckon you should give yourself a challenge of £999 or less.

Another question : Is that TPFT or Comprehensive ?  I ask because sometimes Comprehensive will be less than TPFT.  

Just to make you laugh or Cry.

I'm 38, have a Liverpool Postcode, have had 3 accidents in the last 4 years, (2 of which I wrote off ASTRA's and were my fault and 1 of which went to the small claims court and I won), Protected FULL No claims bonus, Parked in street, no need for security, wife on policy, It's my one and only car,  and I pay ?  

£286 FULLY COMP.  

If it were a second car, low mileage with agreed value classic policy they'd do it for £238.  

If I had a 3 Door Sierra Cosworth with Whale tail I could get it for £1046 limited to 12K per year.  Although I did have 2 companies DECLINE to quote and one want £2500.  

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Mark S Newbie

Mark S

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Posted
but do have a vauxhall (Corsa C) got an insurance quote for an Sri of £4k  :'( so wont be going down that route for a while lol :Ha

Insure a Mk2 Cav on classic car insurance.

I do it for one of my cars and because it is a second car it can go on a limited mileage policy too. :)

If you keep the Corsa it might be an idea??

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tyggar1 Newbie

tyggar1

Posted
Posted

you may want to try norwich union or tesco i know i'm female so its cheap but they have given good quotes for my husband in the past

22 years old with a gsi carlton 3l was only about £400 tpft per year with norwich union so

AND ALWAYS SAY YOU HAD A QUOTE FOR THE PRICE YOU WANT THAT WAY THEY AT LEASE TRY OTHERWISE THEY JUST THINK OF A NUMBER LOL

i've heard a company called lancaster insurance are good for classic but we've not tried them yet

GOOD LUCK

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Guest BobbyLad

Guest BobbyLad

Posted
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Hi

Have you tried Footman James?

They were really cheap for my Stag £170 FC, ULM and Value of £8k

It's worth a phone call.

It really pisses me off, that you can get quotes that are so wide apart from each other, I know I got them. One insurance company said £1,200 and like I said FJ £170.

How can this be so, you only get the same insurance cover. Not a free weekend in Milan and a Gucci handbag for the wife as a complimentary gift.

Then I could understand it.

It's bollox!

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Guest zero-defects

Guest zero-defects

Posted
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It really pisses me off, that you can get quotes that are so wide apart from each other, I know I got them. One insurance company said £1,200 and like I said FJ £170.

How can this be so,

It's bollox!

It's statistics and how you cut them to show trends.  

For Instance I'm in LIVERPOOL - If you just do liverpool postcodes I expect that they are pretty bad ?  

I'm in L37 - I bet that's better, but at one end of L37 we have millionaires row(s) where the number of FLASH cars is out of proportion.  X5's and Boxters are seen as mundane.  The number of cars that disappear in the night, taken from drives with the keys found in the kitchen draw, or when people are out is also out of proportion.

But I'm in L37 8BT - No self respecting Thief is going to bother down our way.  

Assuming the thiefs are from out of the area and come into town from L8 then between Mersey Rail's stations and me is plenty of more exotic and expensive machinery.

Now If one insurance company cuts it 'wrong' they'll have my house down as a high risk and another will have it as a low risk.  

Same with age or type of car.  The insurance industry had 3 or 4 years at the start of the 90's when they decided Hot Hatches were bad. So they upped the cost of insuring them, but hey young males from a certain social class still crashed and their cars still disappeared in the night.  

The problem with statistics is the difference between correlation and causation.  There is a direct statistical link between number of Ice creams sold in australian costal towns and the number of shark attacks.  This is correlation.  Does the numberr of ice creams cause the number of shark bites ?

Because some insurance brokers have recognised that modifiers love their cars they see a direct link between this and the likelyhood of a claim.  Modifiers are less likely to leave a car in a dodgy area, less likely to drive it into a wall in the rain showing off, more likely to utilise the power and speed in the dry in a safe manner and therefore more likely to have a few points.  

Thus some companies can make more money by concentrating on one group.  

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Ian Newbie

Ian

Posted
Posted

Hi m8 welcome.

Insurance, shop around this is what happened to me.

Got a quote for the cabby the other day £165 fully comp and just me as a driver 7000 miles, left on drive. If I declared the 2" sport exhaust I got for it, then it would have been £420.

Currently paying £230 on K plate Ford Skip (escort) TPF&T same mileage etc. ??? This is worth more than the car :Ha :Ha

Makes no sense to me.

[img width=160 height=120]http://i1106.photobucket.com/albums/h373/ianblayney68/th_sk2.jpg
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