Car Insurance Shock !!!!

[michael26uk]

38years old, full no claims discount, wife named driver, no points or claims from either and her car is with them so multi-car discount, no claims protected, £250 excess and £250 voluntary excess, directline quote £287 compared to £600 for my Impreza WR1

Oh by the way, it's an RS4 B7 saloon which I pick up this Sunday

[adsgreen]

38years old, full no claims discount, wife named driver, no points or claims from either and her car is with them so multi-car discount, no claims protected, £250 excess and £250 voluntary excess, directline quote £287 compared to £600 for my Impreza WR1

Oh by the way, it's an RS4 B7 saloon which I pick up this Sunday

is that for the full year though or the balance left on the multicar policy?

[michael26uk]

Full year

[bam_bam]

Oh by the way, it's an RS4 B7 saloon which I pick up this Sunday

Rule 1.

[api330]

£280 mine (I am very old though)

[PetrolDave]

why cheaper on drive than garage? I can understand road cheaper than drive as thieves don't know which house to break into to nick keys, but hidden in a garage surely better than on drive?

Things get stored in garages above cars, and then fall out onto the car... so in a "safe" area there's more risk of a claim if the car is garaged than parked on the drive.

[BillTheButcher]

why cheaper on drive than garage? I can understand road cheaper than drive as thieves don't know which house to break into to nick keys, but hidden in a garage surely better than on drive?

Things get stored in garages above cars, and then fall out onto the car... so in a "safe" area there's more risk of a claim if the car is garaged than parked on the drive.

Our insurance went up when I was able to garage my car so I queried this. I was given two reasons:
1. Garaged cars are more attractive to thieves because, once they've broken into the garage, they can work on the car without worrying about being disturbed by passers-by.
2. Lots of people claim on their insurance for damage caused whilst putting their car away in the garage.

[nij]

Mine is on a fleet policy, £1,026.78 fully comp with £250 excess and any driver over 30 years old.

Renew next month, fingers cross it won't go up too much.

[victor2vt]

I'm with admiral and £430 fully comp with protected no claims aged 27

At your age that's bloody cheap !!

[stu]

Mine's gone down, quite considerably.

October 2011:
RS4 (15,000 miles) was £1089 last year with Admiral, £1000 voluntary excess.

October 2012:
RS4 (13,000) and Ibiza (2,000) = £904! Roughly £600/£300 Admiral Multicar. Very pleased, and only £250 excess.

33yr, 0 points, 12 NCB, NE3 postcode (it's a high risk one)

[Spaceman_RS4]

I'm with admiral and £430 fully comp with protected no claims aged 27

At your age that's bloody cheap !!

Yea admiral and elephant have insured me from 19 when I had a corsa then finished my apprenticeship and bought a new WRX300 impreza new and they gave me insurance for 1150, I was 20 then and ever since they have seen me right and went down every year.

[victor2vt]

Yes Stu i'm in NE3 and was told today it's a high risk area

I've found LV to be the best company to use for high performance cars in high risk areas

[scottie1979]

I have been messing about trying to sort insurance out changing from the 4 to the 6.
Was paying £350 for the 4 (33, 11year NCD IAM etc). Call IAM Surety up to swap over and turns out their underwriters want a tracker fitted to all cars with a value over £30k! That to me seems very low. They went to a different underwriter (RSA) and gave me a quote of £1k+! I had done my homework and found Admiral for £380. So said thanks by see ya. 5 minutes later they phoned up and said they would match it! From £1k+ to £380 - makes no sense to me whatsoever. How??
Of course i took it

[The_Coat]

5 minutes later they phoned up and said they would match it! From £1k+ to £380 - makes no sense to me whatsoever. How??
Of course i took it

Me personally I would have told them to stick it. If they are willing to try and mug you off for a grand and then change their mind because they know they are being greedy I would have thrown it back in their face.

Seems to be no rules to these companies and they can do what they like.

[victor2vt]

5 minutes later they phoned up and said they would match it! From £1k+ to £380 - makes no sense to me whatsoever. How??
Of course i took it

Me personally I would have told them to stick it. If they are willing to try and mug you off for a grand and then change their mind because they know they are being greedy I would have thrown it back in their face.

Seems to be no rules to these companies and they can do what they like.

+ 1 Totally agree, give it to the company that gives you the best price from the start