That time of the year again, Insurance!

[Lazy-Ferret]

Had a nice surprise, as got it fully comp, with every mod mentioned (That was a fun and long conversation), and still saved nearly £200 on last years premium, so £435 this year.

I found out a few things over the last month which did worry me a bit about getting a quote this year, as I knew there were a few things that I had fitted, that were not listed on the current insurance, as they charge me £15 for every amendment and I decided to wait until the renewal, so things like the extra gauges, stickers, and add ons like the bonnet and boot spoiler were not listed.

This year, it seem that the insurance companies have cracked down on extra stickers on vehicles, and some companies have been refusing to insure cars with non-factory stickers. A Landrover owner, who had just the pretty standard "One Life" sticker in our 4x4 response group, was told that they would have to remove it, or the company could not insure them, but luckily for them, it then transpired that they are allowing stickers on the glass as long as you inform them, but nothing on the body panels.

I did discovered that being a member of this club, and also being a 4x4Responder actually lowered my insurance cost, and making a point to tell them about the fact the T2 has a Factory fitted NATS system also knocked a bit more off, so telling them everything is not always bad.:clap

 

[bry]

Just paid my insurance. Fully comp,a few mods. £310. Initial quote was over £420.Told them to shove it.Went on one of the compare sites to get my new quote with the same company.So loyalty does not pay off.I am now a new customer with my existing provider..

 

[Paff]

Are we allowed to mention insurance companies so we know where to go? Mine is due next month.

 

[Fez_uk]

Are we allowed to mention insurance companies so we know where to go? Mine is due next month.

Why wouldn't we be allowed? :nenau

 

[Fez_uk]

Just paid my insurance. Fully comp,a few mods. £310. Initial quote was over £420.Told them to shove it.Went on one of the compare sites to get my new quote with the same company.So loyalty does not pay off.I am now a new customer with my existing provider..

I do something similar but I get a quote off one of the comparison sites then ask my current insurer (Adrian flux) to match it which they do. Made savings every year.

Im 26 and pay 290ish for fully comp with all the extras as standard :thumbs

 

[Paff]

Why wouldn't we be allowed? :nenau

Some forums don't like advertising :augie

 

[zippy656]

Mine is£149. Tuff i know!

 

[Paff]

Just got my insurance renewal through £212 comp with Churchill. Any point looking for cheaper? Where do you use?

 

[jims-terrano]

Flipping heck, how do you manage that for as little as that.

 

[Lazy-Ferret]

Flipping heck, how do you manage that for as little as that.

What he said...:lol

Even with 10 years protected no claims bonus, no "at fault" accidents in the past 5 years, and a clean licence, as mine had the mods, and I had the voluntary work listed, it was £576 with Elephant.

 

[perelaar]

Here in Belgium, in my case (no accident history): >600 EUR for the legally required minimum insurance and medical costs from accidents for the driver.

So don't complain

 

[papin]

I have to renew mine in three weeks, just went go compare and the best is Sureterm direct £209, will try to get it bellow £200

 

[jims-terrano]

Carefull when you use compare websites. Always call the insurance company you selected and confirm all your details. They will wriggle out of paying in the event of an accident. We always call them to confirm and always had them change the quote.

 

[bry]

I concur with Jims Teranno.I have just done exactly that.And saved over £100 as a new customer with the same company.

 

[solarman216]

Unfortunately insurance companies do not use what we would call straight forward logic, they base their rates on things like post code (if a post code has in history a high degree of thefts, or parked damage etc) then it can have an alarming effect on premiums, we live in such an area, but those that have visited us will know that while we have the post code we are in fact completely isolated from said normal post code area but it still has an effect on our premium so we pay around £300 each for our two cars fully comp, if we had the post code half a mile up the road it would be nearer £200 as it is well out of the vandal area, yes we have told the companies that we have a locked compound well off of the beaten track, :doh, they just ask is it garaged, well do not have a garage so have to say "no" I could say yes but in the event of a claim if they investigated and found we do not then we would be efectvely uninsured, this is the scam shit world we live in today, Rick

 

[AlexD333]

What he said...:lol

Even with 10 years protected no claims bonus, no "at fault" accidents in the past 5 years, and a clean licence, as mine had the mods, and I had the voluntary work listed, it was £576 with Elephant.

I hate elephant with a passion. I blame em for my 6 points for in10 :doh

My payment bounced, rather than contact me they supposedly sent an email they just cancelled my policy. Along came mr and mrs police officer and took away my frontera

 

[zippy656]

Try giving Dan a pm. At adrian flux. Thats who im with now.

 

[zippy656]

Try giving Dan a pm. At adrian flux. Thats who im with now.


Hes a member on here

 

[Banshee]

I hate elephant with a passion. I blame em for my 6 points for in10 :doh

My payment bounced, rather than contact me they supposedly sent an email they just cancelled my policy. Along came mr and mrs police officer and took away my frontera

Had exactly the same happen to me when I went to buy my 2nd car from Cheshire many years ago and was stopped by an ANPR BMW on the way back

6 Points, IN10, but because I'd not been driving over 2 years I reverted back to leaner status and had to take my test again

Killed me that did, I was sooooooo annoyed

 

[Paff]

Flipping heck, how do you manage that for as little as that.

I am old :lol Churchill has the T2, my works van, the wife's car and the house and contents, so there is some discount going on. And that is with just one years NCB as I could not use my business vans NCB so had to start from zero NCB :doh