Ridiculous Price on Insuring a 1.1 [Archive] - Saxperience

OverKill

24th July 2007, 02:05

Hey, I'm new to the forum and I have a big problem.

I've been looking around on the net for Insurance on my Saxo 1.1i.

It's my first car and I still cant drive.

BUT!.

I've been going around and the cheapest people are offering me on a 1 point fricking 1 is £2500.

I'm parking it on a private drive, and I'm gonna be doing nothing in terms of mileage.

Surely that can't be right?

Got any Ideas on why the prices are so High?
Or know anywhere cheap?
:n:

Thanks.
Dave.

Baz

24th July 2007, 02:09

could be your area code, job, age.

OverKill

24th July 2007, 02:12

I'm 17.

Live in tamworth, which isn't exactly hansworth.

And I work for Currys.

I'm still not convinced it should be that high!

I dunno, Is that normal?

:afro:

Baz

24th July 2007, 02:27

A = Low Risk
F = High Risk
* = motorcyles in areas DEF must be securely garaged overnight.

B Birmingham
1-21 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
23-26, 36, 70 . . . . . . . . . . . . . . . . . . . . . . . E *
27, 29, 31-35, 37-38, 42-44, 66-69, 71 . . . . D*
28, 30, 40, 46-47, 62-63, 72-77, 79 . . . . . . C
45, 48-50, 60, 64, 65, 78, 90-98 . . . . . . . . . B
61, 80 . . . . . . . . . . . . . . . . . . . . . . . . . . . . A

how does your postcode fair in that? tbh it may be worthwhile going TPFT

Barry123

24th July 2007, 02:29

I'm afraid to say that it's probably normal (if there is such a term with regard to insure premiums)

first of all as Baz said, a likely reason could be postcode...
see here (http://www.saxperience.com/forum/showthread.php?t=43065)

Secondly try all the little insurance tricks in the book...
add your parents as named drivers for instance.

Ultimately you're a new driver and considered a BIG risk to an insurance company hence why the premium is MASSIVE.

good luck man

Ad

Barry123

24th July 2007, 02:30

vipergfx

24th July 2007, 02:34

afraid its right, 17 on a 1.2 punto i was paying 2100. dropped in half after 1 years ncb

jdavies23

24th July 2007, 02:56

Overkill,

That is overkill on their part, i suggest you try elsewhere- try comparison sites such as www.moneysupermarket.com and also give express insurance a call who are brokers but will get you a good deal.

I think thats simply outrageous and quite frankly unrealistic, im quite sure you will get it cheaper than that!

Barry123

24th July 2007, 03:38

Overkill,

That is overkill on their part

hahahaha

Scattle

24th July 2007, 07:27

That is quite high for a 1.1, give endsleigh a look at they quoted very well imo. www.endsleigh.co.uk

valley_shark

24th July 2007, 10:08

i found endsleigh the cheapest quote so far on my 1.1i but thats still 1900 but i suppose it will drop after time but im still tryin to find cheaper than that

Jaffaa

24th July 2007, 10:16

lol, be a names driver for a while.

900 per year on a 1.1 i had.

Rootyuk

24th July 2007, 12:48

man thats a real harsh price afraid its correct tho

Tupps

24th July 2007, 13:29

DL5......C

I need to move to a better area!

Rosstafarian

24th July 2007, 14:07

i found endsleigh the cheapest quote so far on my 1.1i but thats still 1900 but i suppose it will drop after time but im still tryin to find cheaper than that

wow, £900 difference for 0.1l
my quote from them was 1000 at 18 with no no claims...i will be taking them up on that when i turn 18 :y:

Mieran

24th July 2007, 16:39

Try Quinn Direct, they really good

---------------------------------------------------------

and can someone tell me how this works... I live in NE3 and its considered as a low crime area but on the list its got "F" which makes it a high crime area?

NE Newcastle-upon-Tyne
1, 4-6, 8 . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
2-3, 7, 12, 27-29, 32-33, 36-37, 39 . . . . . . . F *
45 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
9-11, 15-17, 21, 30-31, 34, 38, 40-42, 63 . . E*
13, 22-25, 35, 61-62, 64 . . . . . . . . . . . . . . . D*
18, 20, 26, 47 . . . . . . . . . . . . . . . . . . . . . . . C
19, 43-44, 46, 48-49, 65-71 . . . . . . . . . . . . B

OverKill

24th July 2007, 17:20

B Birmingham
1-21 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
23-26, 36, 70 . . . . . . . . . . . . . . . . . . . . . . . E *
27, 29, 31-35, 37-38, 42-44, 66-69, 71 . . . . D*
28, 30, 40, 46-47, 62-63, 72-77, 79 . . . . . . C
45, 48-50, 60, 64, 65, 78, 90-98 . . . . . . . . . B
61, 80 . . . . . . . . . . . . . . . . . . . . . . . . . . . . A

Well I fit into the A section

B78!

I'll keep looking, I've been told by a friend that The Farmers Trust are dirt cheap, sounds dumb, but I'll give them a try, I can't afford £2500.
Thanks for all your help people, I'll make sure to try "Money Supermarket" or "quinn".

BTW - It has New alloys, New sub and speakers ETC and Did have a fricking massive spoiler on it until I removed it.

Would The alloys and Sub ETC affect the price?
Cheers.

OverKill

24th July 2007, 17:21

My bad - I fit into the B section!
Still.

R1ch0

24th July 2007, 17:22

i payed 975 on my 1.1 at 17

my own name.

OverKill

24th July 2007, 17:37

:panic:

WHERE DID YOU GO MAN!

That's a good price.

Graeme

24th July 2007, 17:40

take it you have tryed confused.com?

b0t13

24th July 2007, 17:46

comparason sites are pap for me, they give stupid quotes and the details based on the quotes are mostly wrong too

OverKill

24th July 2007, 17:47

Yeah I have, they just came back with £2500 too, I don't wanna go on my parents insurance as I wanna earn my own NCB.

Got any more Ideas?

Cheers.

Noddy

24th July 2007, 17:47

I'm a chef in a licensed restaurant (and trust me that throws my premium right up) and i only paid £1200 ish on the 10 month booster thingy with Norwich Union (Me primary, mum 2nd, 0 NCB)

Jungle_Jim

24th July 2007, 17:54

insurance has gone up massively in the last 6 months, due to the number of uninsured drivers on the road. my renewal quote when up £1300 with no extra mods or claims and i had turned 21.
i would recommend being a named driver to be honest its much cheaper
also give brentacre a try they have saved me £££

OverKill

24th July 2007, 17:58

Thanks, Ill check them out now.

RedB

24th July 2007, 18:15

Sorry to hear that mate

I was paying £1200 for my fiesta zetec 1.25 16v and just changed over to my VTS for £300 more, still 18, not quite a years experience and no NCB under the old belt, not bad tho eh?

Managed to declare all of my mods too ;)

b0t13

24th July 2007, 18:26

Barry123

24th July 2007, 19:41

DL5......C

I need to move to a better area!

DL6... :cool:

im suprised its 'B' in all honesty I've had the windows open left the door unlocked and all sorts for the last two years.

Graeme

24th July 2007, 22:37

DL6... :cool:

im suprised its 'B' in all honesty I've had the windows open left the door unlocked and all sorts for the last two years.

to be fair ads its not hard to break in to caravans if the doors are locked! :P

SNewham

24th July 2007, 22:38

I paid over £2000 on my first year, same spec as you. Try Adrian Flux as they were the cheapest for me.

scott

Barry123

24th July 2007, 22:41

to be fair ads its not hard to break in to caravans if the doors are locked! :P

worthy of a ban imo.

:cool:

hancocmc01_saxo

9th August 2007, 23:53

i pay £976 as well although thats only on a provisional and been told it wont go up, Try doing quotes on a provisional license get it insured before you pass its worked out cheaper for a few of my mates.

Ring Quinn Direct... Dont do there online quotes i used them it was bringing up £1400 all the time no matter which saxo i tried MK1 or MK2 and changing the value higher and stuff. Then when i rang give me £976 TPFT Bargain i though. Plus im in an F* in my area for theift rating (Leeds isnt it lol)

jon_jon_jon

24th August 2007, 13:46

When I was 17 on a 1.1 saxo 2002, I payed about £1900 with mint.co.uk. Thats the cheapest i found. Fully comp on my own. Think lloydstsb was bout the same price aswell.

Scattle

24th August 2007, 13:52

Also tried www.endsleigh.co.uk, they quoted me very good last week, worth a try.

Noddy

24th August 2007, 16:33

Gotta love getting my no claims up, renewal came through this week for mine and its dropped from £1200 ish to £760 max :clapping: :p

Jules

24th August 2007, 21:39

lol i hadnt past my test and i insured a punto 75 elx 1.2 put alloys (fox racing R2s) tinted windows and a ss back box n i was a staggering £450 !!!!! :panic:

Berg

24th August 2007, 22:20

must be able to go cheaper somewhere else

im 18 just
0 no claims
1.6 VTR
and mine is only 1540 quid with quinn

DarylVTR

24th August 2007, 23:54

Have you passed your test?

Mine was £1600 for a 1.0 spree for my first year with tesco.

Ripp off but to be expected. Do your pass plus aswell that will help quite alot for your first year of motoring.

Jacko

25th August 2007, 00:22

mines is £1900 for my 1.1...but northern ireland in general is considerd a risky area...!

Mark51

25th August 2007, 03:00

the mods will be what is affecting your quotes mate. some insurance companies add an extra 10-12% for every mod your have. try Adrian Flux, they saved me about £400+. im now paying £521 on my furio rather than the £962 my renewal came threw at

scottyvtr

25th August 2007, 18:28

tbh ive never paid over £1400 for any car ive had even with points (9 at one point:panic: ) :p :y:

macky

26th August 2007, 11:46

wel am doin the same for a 1.1 m8 n my cheapest was bout 1000 but the best thing t do is see if ya mar or sumone il go on with ya its the cheapest way

saxowebby

19th September 2007, 21:55

have you gto any familly that live at a different postcoe that is cheaper.

i did the same my postcode was area d but my nans was an a ao i just said i lived at my nans, still got my letter, but had to change my liscence to different address, saved me £350 at the end of the day