| Vehicle Insurance Please use this forum to discuss vehicle insurance companies, services, quotations, recommendations, etc. |
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30th March 2011, 12:51
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#1
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Established Member
Join Date: Feb 2011
Location: Staffs
Posts: 1,220
Car(s): Posi blue furio
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Insurance on a Furio
Im 18 and 0 ncb but i also live in a quiet village. I'm getting quotes of 4k+ ?! How can i get it lower 
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30th March 2011, 13:26
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#2
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Saxperience Post Whore
Join Date: Dec 2006
Location: Maidstone
Posts: 8,210
Car(s): Golf TDI
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What is your postcode rating (see the stickys at the top of this section)?
Several factors affect your quote price, the main ones being postcode rating, age, driving experience, NCB (if any), occupation and the vehicle itself.
If you think the car may be the issue, try with a group 1 car and see how much it comes down by?
Realistically the only thing you can change (without invalidating your insurance) is the car itself.
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30th March 2011, 13:27
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#3
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Established Member
Join Date: Feb 2011
Location: Staffs
Posts: 1,220
Car(s): Posi blue furio
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Can't find my post code area lol its WS15
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30th March 2011, 13:33
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#4
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Saxperience Post Whore
Join Date: May 2010
Posts: 6,234
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My old 1.4 Westcoast at 18 going on 19 with 0 no claims was £1650 on my own insurance 3rd Party F&T 
& that was with Adrian Flux
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30th March 2011, 13:35
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#5
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Established Member
Join Date: Jan 2010
Location: Bournemouth/Surrey
Posts: 2,458
Car(s): Mk2 VTR
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__________________
Chris' Mk2 vtr progress thread > Here <
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30th March 2011, 13:36
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#6
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Saxperience Forum Bum
Join Date: Oct 2009
Location: Colchester/Coventry
Posts: 2,809
Car(s): 92 Mx5
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18, 0 ncb. 1500 with mods. Admiral ftw!
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30th March 2011, 13:41
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#7
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Established Member
Join Date: Feb 2011
Location: Staffs
Posts: 1,220
Car(s): Posi blue furio
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ahh found my area, its only "B" so i don't get why my insurance is so high. I have tried admiral, even put my mom and dad as named drivers but yet the cheapest quote i got was £3390. Ridiculous.
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30th March 2011, 16:35
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#8
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Saxperience Post Whore
Join Date: Dec 2006
Location: Maidstone
Posts: 8,210
Car(s): Golf TDI
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Quote:
Originally Posted by bcfc2
ahh found my area, its only "B" so i don't get why my insurance is so high. I have tried admiral, even put my mom and dad as named drivers but yet the cheapest quote i got was £3390. Ridiculous.
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Hmmmm trying doing a quote for a group 1 car, Toyota Aygo or something to see if the car is the issue.
Saxos are going to be more in insurance so by doing a quote for a different car, you will be able to tell if its this causing your insurance to be higher
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30th March 2011, 21:28
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#9
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Saxperience Post Whore
Join Date: May 2010
Posts: 6,234
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Quote:
Originally Posted by bcfc2
ahh found my area, its only "B" so i don't get why my insurance is so high. I have tried admiral, even put my mom and dad as named drivers but yet the cheapest quote i got was £3390. Ridiculous.
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I also live in a Cat B area but still wasnt over £2,000 a year 
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30th March 2011, 22:13
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#10
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Saxperience Forum Bum
Join Date: Oct 2009
Location: Colchester/Coventry
Posts: 2,809
Car(s): 92 Mx5
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Are you a new driver? If so that might be why. I had driving experience when I took out the policy and it reduced it by quite alot!
Had a vtr at 17 and was paying £3k. When I turned 18 I canceled the policy and got a new one at £1640.
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30th March 2011, 23:39
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#11
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Established Member
Join Date: Feb 2011
Location: Staffs
Posts: 1,220
Car(s): Posi blue furio
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Has my licence for 4 months, if i wait till ive had it a year its drops to £1800. I can't wait that long though, where can i try that could give me quotes for 3k or under?
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31st March 2011, 00:58
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#12
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Saxperience Forum Bum
Join Date: May 2009
Location: Birmingham
Posts: 4,289
Car(s): 02 VTR'd Furio, 07 Audi A4 Avant S Line
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Try Admiral they seem to be cheapest for quite alot of young drivers now a days.
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31st March 2011, 02:55
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#13
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Frequent Poster
Join Date: May 2010
Location: neath port talbot
Posts: 984
Car(s): Wicked Red VTR mk2
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Definatly admiral/elephant/bell I'm 18 1ncb and I pay £950 on a vtr fully comp really good compared to others who wanted over £1800
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31st March 2011, 10:15
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#14
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Saxperience Addict
Join Date: Jan 2008
Location: west london
Posts: 13,810
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put parents as named drivers
reduce annual mileage
reduce excess
reduce value of car
dont declare any modifications
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31st March 2011, 12:23
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#15
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Saxperience Forum Bum
Join Date: May 2009
Location: Birmingham
Posts: 4,289
Car(s): 02 VTR'd Furio, 07 Audi A4 Avant S Line
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Quote:
Originally Posted by LSOfreak
put parents as named drivers
reduce annual mileage
reduce excess
reduce value of car
dont declare any modifications
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i'd declare mods tbh, saves getting his policy voided if a traffic cop pulls him and checks with the insurance company, happened to me once.
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31st March 2011, 15:16
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#16
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Established Member
Join Date: Feb 2011
Location: Staffs
Posts: 1,220
Car(s): Posi blue furio
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Managed to get it to 2200 TPFT or 2600 fully comp. Not the greatest but atleast its not 3k+ lol.
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31st March 2011, 16:21
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#17
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Saxperience Post Whore
Join Date: May 2010
Posts: 6,234
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Quote:
Originally Posted by saxo_singh
i'd declare mods tbh, saves getting his policy voided if a traffic cop pulls him and checks with the insurance company, happened to me once.
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I was always told to put your excess to like £500 to make it cheaper than having it at £100... is this right or is it wrong
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31st March 2011, 17:20
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#18
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Established Member
Join Date: Oct 2009
Location: West Mids
Posts: 1,847
Car(s): Peugeot 106 1.1
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Quote:
Originally Posted by Furio-Gazza
I was always told to put your excess to like £500 to make it cheaper than having it at £100... is this right or is it wrong |
It should make it cheaper becuase you have to pay more money before the insurance chip in and pay for the rest. Although if you have a crash that say costs £1000 to repair, you'll have to pay that £500 pounds, and the insurer will pay the rest (£500).
It is usually cheaper if you raise your excess, just don't crash and you'll be fine 
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31st March 2011, 17:35
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#19
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Saxperience Post Whore
Join Date: Dec 2006
Location: Maidstone
Posts: 8,210
Car(s): Golf TDI
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Raising the excess sounds like a good idea until you have to claim......
On a 20k car you might not mind paying £500 but if you own a £1000 saxo then it probably wouldnt be worth even claiming, especially if you have any NCB as they might be worth more than the £500 you would get back
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31st March 2011, 17:43
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#20
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Saxperience Post Whore
Join Date: May 2010
Posts: 6,234
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Fort so 
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