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as you know sheilas disco has gone , so i got her a mistral , her insurance has gone up from £560 annually .... to wait for it ..............£1050 :eek: ..... the only difference is she has a mistral now :(
bloody hell!!
you seriously need to shop around mate. i had the same experience with my MX3 and i got it back down to a more reasonable amount.
who ya with?
direct line , but even nfu say they cant provide a quote without information on her non fault claim last year ...... the thing is the ONLY DIFFERENCE is she has changed her car to a mistral .......
sheila is 62 ( nearly 63 ) and her only blemish is a wonker ( deliberate missprint ) ran into the back of her last year ....... and he wasnt insured
Direct Line did this to me mate, but I managed to stick with them and get better quotes. Try putting you as the main driver, and her as the named driver....do it online....
Direct Line did this to me mate, but I managed to stick with them and get better quotes. Try putting you as the main driver, and her as the named driver....do it online....
but im allready the holder of a policy with them
Is it causce it's a Jap import??? maybe???:eek:
try sureterm, mines £328 a year fully comp with them
1993 landrover ( sorry for swearing ) discovery tdi auto ...... valued at £1000.....£560 premium
1994 nissan mistral ............. £1050
Is it causce it's a Jap import??? maybe???:eek:
so is mine :naughty
Have you tried Saga?, I tried them, and mine came down to £245 a year and that's for a Maverick 93 TD:thumbs
ok , after a long protracted phone call to the insurance company, the reasons they gave for the increase in premium......
car has tinted windows to the rear which are counted as a modification
car has had rear seats removed , which also counts as a modification
car has had factory fitted a bar removed ..guess what ? ... which counts as a modification
if i remove the tinted rear film and replace the rear seats the premium will drop to around £790 per year.
fuffin stoopid innit ?:o
should have just told them it was standard lol
lacroupade
19-03-2011, 13:33
Direct Line is NOT the place to be with a truck like that. They are looking for solid, middle-class reliable business and will whack anyone/anything that isn't.
Adrian Flux would probably do a better deal than that frankly....all that 'mod' stuff is bollox. But (i) the fact it is an import doesn't help, and (ii) even though the accident wasn't her fault, as I've said before, the insurance companies automatically stick your risk up so your base premium increases, even if your percentage NCD remains the same.
pete try sureterm direct its is alot cheaper, i was getting qoutes like £1000 but i tried them and it was £440, with her age should be alot cheaper unless you have alot of car crime
Anything over £300 is crazy,try NFU and tell them it is a bog standard Mistral,I think you may be surprised.I am in the same age bracket,T2 SWB and pay £272 pa.
The problem is, because she had a claim, even though it was not her fault, she will be classed as a high risk now! and it rockets up the price.
The down side is that is why she probabaly got hit by an un-insured driver cos he could not afford the insurance either.
You would of found that the Landrover would have gone up as well, even if you had kept it.
kitchenman
19-03-2011, 15:42
Try Sheila's Wheels:clap, even though I am the wrong gender I got fully comp for around £350, do have 9 years NCD, adrian flux was around a grand:eek:
thanks everybody for the advice , sheila removed the tinted film in a rage a few minutes ago :o, doesnt look to bad actually ,but ive advised her to wait untill shes calmed down a bit before phoning the insurance company :augie
makeitfit
19-03-2011, 20:37
Briggie, why dont you spend 10 mins on Confused . com and Compare the Meercat . com and see what you get. Then let us know.
I've got all my mods etc agreed with Adrian Flux, I've got several points:augie and wrote off me truck last year:sly Still much less than half what she's been quoted:doh
Rear tints are a "Security" measure :naughty
Briggie, why dont you spend 10 mins on Confused . com and Compare the Meercat . com and see what you get. Then let us know.
I've got all my mods etc agreed with Adrian Flux, I've got several points:augie and wrote off me truck last year:sly Still much less than half what she's been quoted:doh
Rear tints are a "Security" measure :naughty
shes been on go compare .... and cheapest quote is £760..... most expensive quote is almost £1500 :eek:
part of the problem is that the insurance company have not been able to trace the address of the driver who ran into her ...... despite him giving her details ( his mobile number ) at the accident scene ........ he said he wasnt in the country at the time and can prove it ....... doesnt make sense to me , but hey ho thats insurance for you
they tracked the address that the mobile was registered too , and " his brother " :augie answered the door and said he doesnt know where he lives
i had the same problem with my discovery, my wife had a no fault claim and insurance went from £280 to £370, and i also added my son (32yrs) to policy, up again to £450. someone told me about " Graham Sykes " everything declared with son, £228 full comp, protected and they don't need your ncb, although they do hold it for you so you dont lose it.
http://www.graham-sykes.co.uk
worth a try, :thumb2
i had the same problem with my discovery, my wife had a no fault claim and insurance went from £280 to £370, and i also added my son (32yrs) to policy, up again to £450. someone told me about " Graham Sykes " everything declared with son, £228 full comp, protected and they don't need your ncb, although they do hold it for you so you dont lose it.
http://www.graham-sykes.co.uk
worth a try, :thumb2
cheers mate will give them a ring tomorrow
cheers mate will give them a ring tomorrow
i think you can get a quote on line, any way good luck, they worked for me mate, :thumb2
lacroupade
20-03-2011, 09:55
shes been on go compare .... and cheapest quote is £760..... most expensive quote is almost £1500 :eek:
Well on the upside thats 25% off already.
On the downside, sounds like it will never be a 'no-fault' claim given the circumstances....not clear-cut enough for the insurer to make a judgement.
Are you using lowest likely annual mileage and higher excess....and I am assuming its 3rd party? I mean whats the point of fully comp on a vehicle that costs £1000-1500?
Just got to keep looking but there are plenty more places.
Well on the upside thats 25% off already.
On the downside, sounds like it will never be a 'no-fault' claim given the circumstances....not clear-cut enough for the insurer to make a judgement.
Are you using lowest likely annual mileage and higher excess....and I am assuming its 3rd party? I mean whats the point of fully comp on a vehicle that costs £1000-1500?
Just got to keep looking but there are plenty more places.
unfortunately , sheilas employer insist on fully comp insurance with class 1 business use on any vehicle she uses for her job :rolleyes:
and no they dont contribute towards the expense of it , but she does get a fuel allowance of 38p a mile :augie:lol
Deleted account DD
20-03-2011, 10:29
fully comp insurance with class 1 business use on any vehicle she uses for her job :rolleyes:
Well the answer is right there. Fully comp claimants and class 1 business are two of the higher risk and higher payout ratio brackets for insurers.
As everyones premium go up the higher risk/higher payout combinations will take a harder hit.
As you are transporting goods (not just samples) yours will be higher.
and no they dont contribute towards the expense of it , but she does get a fuel allowance of 38p a mile :augie:lol
I think youll find they are contributing. Our mileage allowance changed recently and tax kicked in (what a surprise :doh ) so we did a bit of complaining and research.
That 38p is calculated on the basis that it costs x pence per mile for fuel, other consumables, general wear and tear and maintenance and extra insurance to pay for what you wouldnt normally bother having . In this example business use, it only covers the costs in excess of what you would normally pay out to run the car for your personal use.
Where you will further dip out (and i do at work) is it is made on the basis you would be running a car that returns average fuel consumption , average priced tyres etc etc and in tis case fully comp ins as thats what they tell us the majority of vehicles on the road are covered by.
The reason its kept down to 38p would i guess be because over a certain figure ( I think if i recall just over the 50p mark) you get taxed on it. Ridiculous of course because all the tax has already been paid once on the fuel and parts :doh:doh:doh But thats the way it is.
So to to effectively give you a little more in your pocket your missus employer would have to pay out a lot more which I presume would be unsustainable.
Thats why its so important to work out the full running costs of any vehicle you buy before you commit if budgets are strained :thumb2
hi I was with sureterm but with no changes my insurance went from £328 to £660 on renewal last week and the rason they gave was they nolonger deal with equity red star.
the best i found was Adrian flux £440 inc fully compdriving other vehicles
My partner went through DIAMOND and she was put through to them or the number on my insurance cert is 0844 8885544
you can pay in full - 2/ 3/ 4/ 10 months.
NFU would not quote as i did not have a garage.
AViva wanted £500 but wanted the whole amoiunt in one go
paulp
eezelife
20-03-2011, 18:44
Hi guys. I just got my first Mistral and was shocked by the insurance. I am 48 with 19 years no claims bonus. My old cover for a saab 900 2.0 was £195 fully comp. My new cover for the Mistral is £640 !!! It seems if I had a Terrano II it would be £303 for the same year (94) work it out???
Deleted account DD
20-03-2011, 19:47
Hi guys. I just got my first Mistral and was shocked by the insurance. I am 48 with 19 years no claims bonus. My old cover for a saab 900 2.0 was £195 fully comp. My new cover for the Mistral is £640 !!! It seems if I had a Terrano II it would be £303 for the same year (94) work it out???
welcome :thumb2
Thats shocking. Is there a message of sorts in there for Briggie and his fleet rates?????
lacroupade
21-03-2011, 17:15
unfortunately , sheilas employer insist on fully comp insurance with class 1 business use on any vehicle she uses for her job :rolleyes:
and no they dont contribute towards the expense of it , but she does get a fuel allowance of 38p a mile :augie:lol
Thats a rip off.
The max that HMRC allows is 40p a mile.
Fuel costs run out at around 25p/mile at the moment, leaving 13p a mile for you on that rate of 38p.
The rest of the calculation is a bit compex but goes roughly like this:
1. Take the approximate cost of normal (non-business) insurance, then pro-rata it for business versus private. e.g. insurance = £360p.a. and you do 4000 business and 6000 private then 40% of the insurance is attributable to business. In this case £144.
2. Take the whole of any uplift attributable to Class I business use....so say normal insurance is £360, and Class I is £660, then £300 is for business use.
3. Apply the same pro-rata in Point 1 to your VED (say £210 x 40% = £84)
4. Add the three together and divide by business mileage....in this case £144 + £300 + £84 = £528/4000 = 13.2p a mile.
So your mileage payment is swallowed already, and we haven't even got to tyres, exhaust, battery and servicing costs.....
So if they want business class insurance they should be paying for it.
Deleted account DD
21-03-2011, 19:34
The max that HMRC allows is 40p a mile.
Hmrc allow for what ?
As far as the rest of the maths goes im not sure where youve got it from but it definitely isnt the applied norm across the public sector, payments made bear that out !!!!!! :thumb2
38p per mile for a pmv used on selected bussiness is a very fair amount in this day and age, trust me on that one. Iwas talking to a colleague from the local authority this afternoon after regarding a directive that our mileage allowances should be reduced to their level in the new round of Tom Winsor publications.
I can assure you he would kill to get that much and bo he does not get an essential users fixed sum :(
(RIP) PLANK
21-03-2011, 19:52
as a local government officer, i was getting 53p a mile back in 2000 :eek:
Deleted account DD
21-03-2011, 20:06
as a local government officer, i was getting 53p a mile back in 2000 :eek:
Not far off 2/3 of that now for our local lads and lasses :eek:
Good times long gone, its not private sector you know :augie:augie
I think the tax threhold must have changed lately if Paul is right because I was getting over 40p tax free until recently.
lacroupade
22-03-2011, 00:27
Hmrc allow for what ?
As far as the rest of the maths goes im not sure where youve got it from but it definitely isnt the applied norm across the public sector, payments made bear that out !!!!!! :thumb2
38p per mile for a pmv used on selected bussiness is a very fair amount in this day and age, trust me on that one. Iwas talking to a colleague from the local authority this afternoon after regarding a directive that our mileage allowances should be reduced to their level in the new round of Tom Winsor publications.
I can assure you he would kill to get that much and bo he does not get an essential users fixed sum :(
Its the maximum they allow an employer to pay you without starting to whack you for tax. Trust me I'm an absolute expert in this field mate and my sums are spot on!
That sort of rate is the norm in most NORMAL places ONLY for someone who is doing very low business mileage..anything more than that and you'd be expecting car allowance as well - or a hire car (see below).
You only have to go to the back pages of WhatCar and see what the running costs per mile are for any modern vehicle....if you are being paid any less then you're out of pocket and have to be an idiot to boot. When I was doing my MoD Logistics thing most of the support guys there were on image terms from having been TUPE'd in and were entitled to require a hire car if we wanted to send them more than a few miles, i.e. thats how the MoD still works.
I mean just look here (http://www.fleetnews.co.uk/costs/car-running-costs/36/45000/jeep/grand-cherokee-sw-diesel/#search) for the PPM for a Jeep 3.0 CRD....
Deleted account DD
22-03-2011, 09:15
Its the maximum they allow an employer to pay you without starting to whack you for tax. Trust me I'm an absolute expert in this field mate and my sums are spot on!
no prob :thumb2 but until quite recently i was getting over 50p pm and NOT being taxed on it. As part of pay and conditions it went up and suddenly we all started paying extra tax.
That sort of rate is the norm in most NORMAL places ONLY for someone who is doing very low business mileage
Ill have to disagree on that one. Altogether in the Local Authority side of our place there 9 of them and they all do a significant mileage , theyve had their essential user allowance taken off them but are still required to keep a car running for work! They get less than Briggie.
They are not alone either. Those terms and conditions are reflected across the country , theyve checked!
The Winsor report recommends our allowances are aligned to theirs. I cannot and will not be made to have a car on the road for work at those lower rates.
The hire car comes in for them (and us) for single trips where the return journey is 100 miles or over.
Thats based on the old mileage rates and the 100 miles is the cut off point where the hire car is cheaper and more economical TO THE JOB :doh
Whatever the guidance , figures and hypothetical t&c's are out there the take it or leave it if you want to work for us attitude overules them all..
lacroupade
22-03-2011, 09:50
no prob :thumb2 but until quite recently i was getting over 50p pm and NOT being taxed on it. As part of pay and conditions it went up and suddenly we all started paying extra tax.
Ill have to disagree on that one. Altogether in the Local Authority side of our place there 9 of them and they all do a significant mileage , theyve had their essential user allowance taken off them but are still required to keep a car running for work! They get less than Briggie.
They are not alone either. Those terms and conditions are reflected across the country , theyve checked!
The Winsor report recommends our allowances are aligned to theirs. I cannot and will not be made to have a car on the road for work at those lower rates.
The hire car comes in for them (and us) for single trips where the return journey is 100 miles or over.
Thats based on the old mileage rates and the 100 miles is the cut off point where the hire car is cheaper and more economical TO THE JOB :doh
Whatever the guidance , figures and hypothetical t&c's are out there the take it or leave it if you want to work for us attitude overules them all..
Then providing your employer doesn't do a Form P11D and you don't have to do a tax return, for gods sake don't tell the revenue.....because these are the rates (http://www.hmrc.gov.uk/paye/exb/a-z/m/mileage-expenses.htm), period, and you were getting 10p a mile of taxable benefit. It even shows you how to work the tax out non any excess :(
And like I say, whatever rate anyone is getting, if its less than their running costs and certainly less than the revenue maximum of 40p then you don't bother do you. Nobody can make you do private mileage and it doesn't make you unemployable. If its just a few odd miles then its no biggie, but for regular users, or in Sheilas case where she's burdened with the extra cost of business insurance, its not financially sound.
And this statement doesn't add up Dave - its completely contradictory:
"theyve had their essential user allowance taken off them but are still required to keep a car running for work"
Any half decent employment lawyer would wipe the floor with the employer if that was true...I suspect its been added to their salary because they can't be 'required' to make their private vehicle available for work.
i had the same problem with my discovery, my wife had a no fault claim and insurance went from £280 to £370, and i also added my son (32yrs) to policy, up again to £450. someone told me about " Graham Sykes " everything declared with son, £228 full comp, protected and they don't need your ncb, although they do hold it for you so you dont lose it.
http://www.graham-sykes.co.uk
worth a try, :thumb2
they quoted £1700 :eek:
just rung direct line up to tell them we have removed the tinted film on the rear windows ........ sheilas premium has now dropped by £16 per month :eek: ..... foofin stoopid innit ? ...... a lesson there perhaps :rolleyes:
I get 45p per mile, which I thought was a bit tight. I might not moan about it now. It went a lot further in 2001 though.
Still its budget day tomorrow and the chancellor is going show us how much he cares about his people by giving us something back on fuel costs... try not to hurt yourself when falling of chair laughing :)
Alan
Deleted account DD
22-03-2011, 19:01
And this statement doesn't add up Dave - its completely contradictory:
"theyve had their essential user allowance taken off them but are still required to keep a car running for work"
Any half decent employment lawyer would wipe the floor with the employer if that was true...I suspect its been added to their salary because they can't be 'required' to make their private vehicle available for work.
It does make sense and its the situation they find themselves in. They are required to attend external appointments in a timely and efficient manner, thats contractural.
Other than the 100 mile rule (which brings in trains etc), no other option is available although i do know someone who goes everywhere on his pushbike the only realistic viable option is to run a car .
Their employer offers them a given rate to use said car as part of their employment t&c s......contractural.
Thats the grey area but very carefully laid out.
You would be laughed out of the place for suggesting its been added to their salary.
The taxi option you mentioned in the public sector these days is cloud cuckoo land.
The old essential user was a lump sum per month as a retainer with a lower per mile rate. The per mile rate went up to compensate the loss of the lump but still hasnt reached 38p.
Deleted account DD
22-03-2011, 21:09
because these are the rates (http://www.hmrc.gov.uk/paye/exb/a-z/m/mileage-expenses.htm), period,
I have just been informed they have not been in that long, hence the change in ours to maintain our rate in pocket.
when did they come in?
I am assured that our payment was legit lawful and untaxed :thumb2
We even had a tick box on our claim form for hmrc benifit which indicated if a given journey was in our opinion taxable. Several caveats applied to that and i did pay tax on a few claims however on the occasions I didnt tick , or i didnt put a claim in my tax paid was the same each month.
Deleted account DD
22-03-2011, 21:27
I have just been informed they have not been in that long, hence the change in ours to maintain our rate in pocket.
when did they come in?
I am assured that our payment was legit lawful and untaxed :thumb2
We even had a tick box on our claim form for hmrc benifit which indicated if a given journey was in our opinion taxable. Several caveats applied to that and i did pay tax on a few claims however on the occasions I didnt tick , or i didnt put a claim in my tax paid was the same each month.
apparently came in 2002 :nenau
lacroupade
23-03-2011, 00:08
apparently came in 2002 :nenau
I think that qualifies as 'long' LMAO.
Anyway, whats with 'er indoors and tents then???:lol:lol
macabethiel
23-03-2011, 16:59
Hi guys. I just got my first Mistral and was shocked by the insurance. I am 48 with 19 years no claims bonus. My old cover for a saab 900 2.0 was £195 fully comp. My new cover for the Mistral is £640 !!! It seems if I had a Terrano II it would be £303 for the same year (94) work it out???
Its probably because like my R3mR its an import. I was with Adrian Flux last year they wanted well over £600 for renewal.
I moved to NFU local office £434 only 2 years NCB in wifes name she is 55.
I did a lot of shopping around to get that price. Good news was the excess on a claim and glass cover was lower than Adrian Flux.
This year most insurance has risen substantially on vehicles a lot of it is due to the Ambulance chasers raising premiums everything costs somebody something.
Deleted account DD
23-03-2011, 18:50
Anyway, whats with 'er indoors and tents then???:lol:lol
Hates em :lol:lol
we do some wuite long hard walks and when I suggested one of them could be broken up by an overnighter out on the hills....................:eek:
lacroupade
24-03-2011, 10:54
Hates em :lol:lol
we do some wuite long hard walks and when I suggested one of them could be broken up by an overnighter out on the hills....................:eek:
what a baby! you need one of them pop-up jobbies.....tent that is, not trouser snake.
hey maybe thats the sales angle.....lurrrrv in the great outdoors! :lol:lol
Deleted account DD
24-03-2011, 19:45
what a baby! you need one of them pop-up jobbies.....tent that is, not trouser snake.
hey maybe thats the sales angle.....lurrrrv in the great outdoors! :lol:lol
no I think the problem was I wanted her to carry the table chairs kitchen cooker and sink , I did offer to buy her a bigger rucksack :nenau:nenau
lacroupade
24-03-2011, 21:15
no I think the problem was I wanted her to carry the table chairs kitchen cooker and sink , I did offer to buy her a bigger rucksack :nenau:nenau
some women just refuse to accept their place in the scheme of things :lol
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