| Vehicle Insurance Please use this forum to discuss vehicle insurance companies, services, quotations, recommendations, etc. |
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11th September 2013, 13:42
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#1
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L-plater
Join Date: Nov 2012
Posts: 71
Car(s): 1.1i saxo year 99 60bhp
1.2 clio mk1 year 98 98bh
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Insurance question?
Hi i am 19 years old, have a full uk driving licence for two years in october, i drive a 1.1i saxo, i have 0 NCB and my insurance is stupid!
This is how it works:
I have had dodgy insurance in the past which worked well but wante to start building ncb so as far as insurase know this is my first policy, i have been with elephant for 3 months, it all started well with a annual premium of £1300 which compaired to 4000+ to other companys that i had chance to check, so phoned elephant and because i couldnt afford a one off payment i went monthly which increased it to £1800, roughly £190 PCM, i was happy with this as it was next to nothing deposit and i was on yhe road with a 6 minute phone call ! (I was overal happy with this) would have liked it cheaper who wouldn't ?
So this is when it went down hill 2months in they asked me for copy of driving card licence and paper, i sent that and theydound out about my 3points i did not declair because they was from when i had dodgy insurance soni didnt want to tell them because as fat as they know i have never been insured, it was for not following road instructions (entering a no entry sign) and well anyway that bump my policy up to £2800!!!! :@ and roughly that is £268 PCM i am atill using them at the moment but i cant afford that for ever!
So does anybody have any ideas what to do? In my situation  i need either a cheaper company or a company that wont ask for my recoreds maybe? Any advice ? Like im 19 now in october will have held my licence for two years, got to wait for another 3 years efore my points are dropped, its a steep price considering with dodgy insurance i was paying 700 on a 2L subaru turbo at 17! Which i was using this (dodgy guy) for well over a year (but he dissapeared off te market either fruad in prisonment or got on top) but yeah they wonder why people do things the dodgy way, !!! The price is stupid! Makes me want to go back to dodgy and forget a NCD but i want to do it properly does anybody know better company or so on? And will it cost to cancel my currect policy? 4months in thanks
Kind regards
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11th September 2013, 15:24
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#2
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Established Member
Join Date: Mar 2011
Location: Birmingham
Posts: 2,148
Car(s): Rover BRM, Rover 800 Coupe, Mk6 golf.
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Dont take offence by this but I think you should be paying the consequences of driving illegally in the first place. You've been caught with 3 points and its also an offence to not disclose them to your insurer.
Not entirely sure what you mean by 'dodgy' insurance, but it doesn't sound legal either way. Deal with it like the rest of us and it will come down given time and patience.
You need to live with your mistakes dude.
__________________
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11th September 2013, 15:41
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#3
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Frequent Poster
Join Date: Feb 2012
Location: Portsmouth
Posts: 568
Car(s): 1992 MX-5 1.6 SE
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You get rewarded for being a good driver, try that..
Sent from my iPhone 5 using Tapatalk 2
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11th September 2013, 16:05
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#4
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Saxperience Addict
Join Date: Feb 2009
Location: Middlesbrough
Posts: 10,620
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I suggest growing up.
Kind regards.
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11th September 2013, 17:19
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#5
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Saxperience Forum Bum
Join Date: Apr 2013
Location: Jarrow
Posts: 4,022
Car(s): 2003 Icelandic Grey 16v VTR
1991 Daihatsu GTti
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Everyone else has paid thier dues, you drive wank cars you build up a NCB and get a better car. Only way to do it unless you've got cash, which you don't.
Get a box thing fitted and put up with it.
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11th September 2013, 17:26
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#6
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Established Member
Join Date: May 2010
Location: Sunderland
Posts: 1,966
Car(s): Clio Sport 172
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This is one of the funniest Insurance threads ive EVER read...
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11th September 2013, 20:21
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#7
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Established Member
Join Date: Sep 2011
Location: Ebbw Vale
Posts: 1,180
Car(s): Clio 182 Daily, 106 GTi Track Project
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Your fault for not declaring from the start, if you had legal insurance at 17 you wouldn't be paying that now.
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11th September 2013, 21:12
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#8
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Saxperience Hardcore!
Join Date: Sep 2007
Location: Jail - Whitby
Posts: 15,034
Car(s): 520bhp Honda Jazz
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When i was 18, i had 11 points, I paid through the nose.. Now all have gone, but i acquired 9 more, I am again, paying a lump.. Deal with it..
You lied to insurance, lucky they haven't declined it!
__________________
Life's a bitch, then you die.
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11th September 2013, 22:58
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#9
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Super Moderator
Join Date: Nov 2009
Location: Cambridge(ish), UK.
Posts: 10,581
Car(s): BMW 5x M50d.
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Quote:
Originally Posted by smiith
When i was 18, i had 11 points, I paid through the nose.. Now all have gone, but i acquired 9 more, I am again, paying a lump.. Deal with it..
You lied to insurance, lucky they haven't declined it!
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What's the latest 9 for Glenn?
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12th September 2013, 08:29
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#10
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Saxperience Post Whore
Join Date: Dec 2006
Location: Maidstone
Posts: 8,210
Car(s): Golf TDI
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Surely the OP is taking the piss, nobody can be that stupid?
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12th September 2013, 17:00
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#11
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Saxperience Hardcore!
Join Date: Sep 2007
Location: Jail - Whitby
Posts: 15,034
Car(s): 520bhp Honda Jazz
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Quote:
Originally Posted by Ross
What's the latest 9 for Glenn?
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6 for no insurance, about 20 months ago, 3 for doing 60 in a 40, 3 days after the speed limit had changed, from 60-40..
__________________
Life's a bitch, then you die.
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12th September 2013, 18:09
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#12
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Established Member
Join Date: Apr 2009
Posts: 1,173
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What a dickkkk.
Ive got 8 and declare them.. yes you pay silly prices but its your own fault at end of day
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13th September 2013, 09:43
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#13
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Saxperience Post Whore
Join Date: May 2009
Location: ringwood
Posts: 6,305
Car(s): suzuki swift 1.2 sz3
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That's why they ask for you license so you can't lie, you tried to deceive your insurance company. Idiot, they should give you more points imo
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13th September 2013, 11:16
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#14
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West Midlands
Join Date: Nov 2005
Location: Nuneaton (West Mids)
Posts: 13,835
Car(s): '64 Volvo V40 R’Design, '89 Ph1 309 GTi, ‘97 Mk1 S
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It's not going to be long before the insurance companies will be able to link in directly with the DVLA, you will be asked at the time of completing your application by phone/online for the driver number of yourself & any others on the policy.
They will link in with DVLA before confirming cover to confirm licence type, how long its been held and any current endorsements. You won't be able to get away with not declaring. Saves time for general joe public having to send copies to insurers on request aswel.
It's about time too
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13th September 2013, 15:55
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#15
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Infrequent Poster
Join Date: Sep 2010
Location: Hemel Hempstead
Posts: 226
Car(s): MK1 Saxo VTR Amazon Green
Mk2 Saxo VTS Black
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Quote:
Originally Posted by smiith
When i was 18, i had 11 points, I paid through the nose.. Now all have gone, but i acquired 9 more, I am again, paying a lump.. Deal with it..
You lied to insurance, lucky they haven't declined it!
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How da fuq?!
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13th September 2013, 20:09
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#16
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Saxperience Hardcore!
Join Date: Sep 2007
Location: Jail - Whitby
Posts: 15,034
Car(s): 520bhp Honda Jazz
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Quote:
Originally Posted by KieranHopkins
How da fuq?!
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5 for racing undercover police (Undue care and attention)
6 for rolling my saxo (undue care and attention)
Resit test
5 years pass..
last January, stopped by police just before midnight, insurance expired, they checked my details, came back no insurance, 200 yards from my front door and drive.. 6 points
driving 60 in a 40, 3 points..
__________________
Life's a bitch, then you die.
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13th September 2013, 22:19
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#17
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Saxperience Hardcore!
Join Date: Dec 2007
Location: smurfland.
Posts: 17,346
Car(s): Ex saxo owner.
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Quote:
Originally Posted by Japps
Hi i am 19 years old, have a full uk driving licence for two years in october, i drive a 1.1i saxo, i have 0 NCB and my insurance is stupid!
This is how it works:
I have had dodgy insurance in the past which worked well but wante to start building ncb so as far as insurase know this is my first policy, i have been with elephant for 3 months, it all started well with a annual premium of £1300 which compaired to 4000+ to other companys that i had chance to check, so phoned elephant and because i couldnt afford a one off payment i went monthly which increased it to £1800, roughly £190 PCM, i was happy with this as it was next to nothing deposit and i was on yhe road with a 6 minute phone call ! (I was overal happy with this) would have liked it cheaper who wouldn't ?
So this is when it went down hill 2months in they asked me for copy of driving card licence and paper, i sent that and theydound out about my 3points i did not declair because they was from when i had dodgy insurance soni didnt want to tell them because as fat as they know i have never been insured, it was for not following road instructions (entering a no entry sign) and well anyway that bump my policy up to £2800!!!! :@ and roughly that is £268 PCM i am atill using them at the moment but i cant afford that for ever!
So does anybody have any ideas what to do? In my situation i need either a cheaper company or a company that wont ask for my recoreds maybe? Any advice ? Like im 19 now in october will have held my licence for two years, got to wait for another 3 years efore my points are dropped, its a steep price considering with dodgy insurance i was paying 700 on a 2L subaru turbo at 17! Which i was using this (dodgy guy) for well over a year (but he dissapeared off te market either fruad in prisonment or got on top) but yeah they wonder why people do things the dodgy way, !!! The price is stupid! Makes me want to go back to dodgy and forget a NCD but i want to do it properly does anybody know better company or so on? And will it cost to cancel my currect policy? 4months in thanks
Kind regards |
My advice to you is give up driving,idiots like you cost the law abidding motorist millions each year.
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14th September 2013, 07:37
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#18
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Infrequent Poster
Join Date: Sep 2010
Location: Hemel Hempstead
Posts: 226
Car(s): MK1 Saxo VTR Amazon Green
Mk2 Saxo VTS Black
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Quote:
Originally Posted by smiith
5 for racing undercover police (Undue care and attention)
6 for rolling my saxo (undue care and attention)
Resit test
5 years pass..
last January, stopped by police just before midnight, insurance expired, they checked my details, came back no insurance, 200 yards from my front door and drive.. 6 points
driving 60 in a 40, 3 points..
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Oh man :-(
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14th September 2013, 10:54
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#19
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Saxperience Addict
Join Date: Dec 2009
Posts: 11,712
Car(s): A6 Le Mans tuned/A3 TFSI tuned
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14th September 2013, 12:11
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#20
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Saxperience Forum Bum
Join Date: Mar 2012
Posts: 3,593
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Quote:
Originally Posted by smiith
5 for racing undercover police (Undue care and attention)
6 for rolling my saxo (undue care and attention)
Resit test
5 years pass..
last January, stopped by police just before midnight, insurance expired, they checked my details, came back no insurance, 200 yards from my front door and drive.. 6 points
driving 60 in a 40, 3 points..
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Wow. You're one of those people I would never get in a car with!
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