any body think this is a good quote?

[billytalbott]

insurance is up for renewal soon and ive just got a quote from elephant and just want some advise to either go ahead with it or find some where else.
info:
-19 yo
- motor mechanic
-1 year ncb
-no points
-me as the main driver
-citroen saxo 1.1
-all mods declaired

and the price is £1,900 if i pay monthly (ideal)
and the price if i pay all together £1,300 (carnt do as i dont have that money)

is this a good quote?

cheers

[petrolhead_19]

yeah thats a good quote, will work out at bout £165 a month or something like that.
Im 24 passed my test in november and got a vtr my insurance is £1800

[billytalbott]

yer well my plan will be is to save for next years insurance and to vtr my 1.1 saxo and declaire the engine swap

[petrolhead_19]

sounds good pal, nice little project, might do you a deal on vtr engine, im putting a vts engine in mine so engine will be up for sale

[billytalbott]

yer mate it should be a good project, i have no need to go out and buy a real fast car as i drive fast cars at work lol

[petrolhead_19]

thats it lol i dont really need to drive fast cause i ride motorbikes :P lmao
and i know my bikes will piss all over alot of things on the road today lol
I will be putting progress thread up of my conversion when i start doing it anyways, so if your interested in vtr engine ill let you know when its ready to go

[billytalbott]

ok mate cheers and just done a go compare quote on it would be 1,700 quid to pay of all in one for me to insure a vtr now, so i think next year it will come down more and it will be alright for me to convert the 1.1 :)

[Claki]

Sorry mate but i think thats an absolute rip off!!!

I was paying just under 995 quid a year when i was 19. 82ish quid a month last year on my vtr! with chris knott

[billytalbott]

ahh right ok mate dont supose you have the number for chris knotts insurance, would be a real help if you have mate?

[devilsadvocate]

Fcuk me, 2 grand for a 1.1 saxo!!

If its the cheapest you can find after shopping around then its a good price I suppose

I don't like paying £500 lol

[petrolhead_19]

all depends were you live, what area, what job you have etc etc

[Claki]

ahh right ok mate dont supose you have the number for chris knotts insurance, would be a real help if you have mate?


0844 576 0660

:p

[billytalbott]

Cheers mate for the number with be ringing them tomorrow, and I no its alot of money but at the end of the day everyone needs insurance no matter how much it is, it don't really help me being a motor mechanic and have modified it but I need to start to get more no claims to get cheaper insurance so I think its just the case of biting the bullet and getting on with it really, any more recommendations welcome :)

[Claki]

No worries! i hope you can get it cheaper than that, i wouldnt bother driving if i was paying that much for a 1.1

[Vtr_Cam]

Not a good quote at all i dont think. Im 18(19 on friday) with 1yncb on my VTR with mods declared its only 950 fully comp.

But being a mechanic doesnt help and where you live depends too. But i wouldnt pay £1900 for a 1.1 when i get quotes for a VTS at £1150.

[BertieG]

with 1 years ncb i was paying £565 on a 1.1 106. now im only paying £750 on a VTS at 19 with 2 years ncb. you're getting mugged off

[devilsadvocate]

You have to bear in mind that there are a few other things besides age, NCB and car which affect the price

Occupation and Postcode can make a huge difference

[Lewiswhitlock]

You have to bear in mind that there are a few other things besides age, NCB and car which affect the price

Occupation and Postcode can make a huge difference

And the fact premiums have gone up anyway...

[rick_VTR]

my insurance is due for renewal the end of this month and quinn direct who i am with now want me to pay 2800 so i thought fuck that and shopped around, found a quote on go compare for £1051, which i think is awsome concidering i drive a vtr, im just turned 19 and have one years no claims and i have 3 points for exceeding the statutary speed limit on a public road. not bad.

[rick_VTR]

Not a good quote at all i dont think. Im 18(19 on friday) with 1yncb on my VTR with mods declared its only 950 fully comp.

But being a mechanic doesnt help and where you live depends too. But i wouldnt pay £1900 for a 1.1 when i get quotes for a VTS at £1150.


what company is that with mate?

[Reece1591]

postcode makes a massive difference my insurance goes down £600 if i insure it where my nan lives and its like 10 miles down the road

[Vtr_Cam]

Elephant :)

[craig180]

Fully comp?

I'd shop around a few brokers. Dont tell them you've been given any prices yet and let them give you their best price. Then take their price direct to the insurance companies and get them to beat it.

My first car was a 1 year old Vtr and I've never paid over £900 a year fully comp for my insurance.

I'd also consider insuring tpft if it's significantly cheaper. It's a false economy paying more than the car is worth fully comp

[LouisUK]

Fuck me. £1900 for insurance :|

I'm 20, 1 years NCB and only paying £720 with Admiral. Fully Comp.

[devilsadvocate]

Elephant :)

Bear in mind that with Elephant you have to pay up front to get the lower price.

They are very clever with that they do, they entice young drivers with lower prices because they know they need to pay monthly and then when you call up, 30% is whacked onto the price for monthly payments

[billytalbott]

I've just got a price from admiral and its 1,689 quid and that's if my dad goes multi car with me, I just going to ask the bloke tonight when he rings back to ask for a price if I put a vtr engine in my car and look at the difference to see if its worth paying a little bit more for more power, cheers for the input though guys much appreciated!

[devilsadvocate]

I've just got a price from admiral and its 1,689 quid and that's if my dad goes multi car with me, I just going to ask the bloke tonight when he rings back to ask for a price if I put a vtr engine in my car and look at the difference to see if its worth paying a little bit more for more power, cheers for the input though guys much appreciated!

Unless you are 21+, my bet would be that they wouldn't even quote on on an engine conversion....

[VTHall]

LMFAO who ever said that 1900 for a 1.1 with 1 ncb is good needs fucking shooting.

[Furio-Gazza]

chris knotts insurance is toss!

I just rang them up for a quote & they wouldn't insure my car as it has mods to it LOL!
whats the point on advertising on Sax-P then? 90% of the cars on here have mods.

Think im going to stick with elephant as they gave me the cheapest quote fully comp with mods at £1750, inc break down cover the lot

[vtrxstickens]

im 19 and put down that im a hairdresser coz parently it makes it cheap, ive gt no years bonus, 2 years driven experience, no points and no convitions or claims in past 3 years on my vts registerd as a vtr its 1400 quid for the year pay monthly. try admiral and haggle them

[billytalbott]

Well I'm just going to do what I thinks good, its alright people saying I need shooting if I think the 1900 quid for a 1.1 is good, ovously I want cheap insurance but if the insurance companies are saying that I'm just goin to have to pay for it as I need my car for getting to work

[VTHall]

Well I'm just going to do what I thinks good, its alright people saying I need shooting if I think the 1900 quid for a 1.1 is good, ovously I want cheap insurance but if the insurance companies are saying that I'm just goin to have to pay for it as I need my car for getting to work

id rather get the bus.

[billytalbott]

Tbh I wouldn't take the bus

[VTHall]

Tbh I wouldn't take the bus

your loss then ey?
They have seen you coming.

[devilsadvocate]

im 19 and put down that im a hairdresser coz parently it makes it cheap, ive gt no years bonus, 2 years driven experience, no points and no convitions or claims in past 3 years on my vts registerd as a vtr its 1400 quid for the year pay monthly. try admiral and haggle them

Are you a hairdresser though?

If not you could have some awkward questions if you ever need to claim as occupation is something they can almost always prove if they really wanted to get out of paying a claim...