initialD - learn to type/spell properly yourself before moaning/taking the **** out of others.

Do you realise what a **** you're making yourself look?

 

omg !!

ill leave it there !!

 

Probably best

 

Recently bought a scooby, I am 23 with 4 years ncb, i phoned up Keith Michaels and unfortunately they couldn't beat my current quote, I am with bell insurance, all mods covered for £700, seems good considering i was paying £660 for a 1.6 MX5 right before this, considering and all, what are your thoughts guys?

sound good, sound bad???

many thanks

Ben

 

Sounds very good. It all depends on your postcode. Im 29, 6 years no claims, NON turbo with a few light mods and I was getting quotes of £1800 from everywhere!!! I then found after a lot of searching one from Admiral for £1100. I accepted it but the guy never phoned me back. Just as well as I then got another quote for £844, all mods declared with full business driving rights for use in schools. I was very pleased but then read quotes like yours. To be honest I dont mind to much Im just relieved that could get it for a non extortionate amount.

 

That seems a bit steep for some of those quotes considering, how long you been driving and you are over 25 which is ment to the marker of good insurance quotes, i am glad you found a better one, yeah some people pay silly money i know someone paying £205 a month for a fiesta ST thats insane!!!

Ben

 

Its the postcode. It drives me mad. Moley said that they didnt even insure the first half of my postcode full stop. I have moved to an area that is ex council estate as well. 6 months ago it was knocked down and private homes where built but no one cares, they just see that there have been prolific crash for claims recently and hammer me for it. It grates me that I have to pay for other people like that. I hope they sort out these false and illegal claims soon as Im getting fed up of paying for it.

Sorry rant over.

 

What I can't understand is really what is the point of building up a ncd when by all accounts doesnt really make much of a difference. As above you say that your postcode has had a lot of crash for claims recently. But surely the entire postcode shouldn't be punished for this. Surely quotes should be given on an individual basis. If you have built up years of ncd the. Surely this proves your not out to crash for claim, and also that you are less of an Insurance risk?

 

It means that I am vulnerable. I may not be the one who causes the accident but I have a much higher probability that someone will slam on their brakes in front of me only to have 5 ..... jump out claiming whiplash, just because I live around an area where it is rife. On top of that NCD wouldnt be affected anyway if you are the one doing the slamming of the brakes.

Oh but it does. I put in a trial run to see what happens if I only had 1 years NCD. Te cheapest was £2200. I didnt even want to try 0 NCD.

 

Yeah, it's pretty ****e SRS when your paying for some other fekkers wrong doing.

Me and the Mrs, 43 and 40, mods declared, parked on the roadside, 5 years ncb each, 3 pts each, total loss 3 years ago =£525 fully comp.
£50 less than last year, and that was just for me and the car garaged.

One advantage i suppose to living in a dead end town where the coat of arms is an incontinence nappy and a wheelchair.

 

No way, seems like you guys down the road just have to put up with it then. I guess it pays for me to live up north sometimes eh!

 

When I was in Ibiza I had 2 years NCD and was younger. On the same car it cost me £390 mods declared. The driving out there is appalling. Crashes, bumps galore but everyone just excepts it. I dont think anyone claims, they just drive bangers and get a new one if its a write off. Theres 0 car crime as well. How their mentality is different.

 

In some countries i read its all done individually there is no insurance, its all just honest and organised between the two parties, eg if someone hits you thye pay for your damages and visa versa, obviously a write off would be different, i dont know how much of this is true though

Ben

 

Just trying A plan as Hics were way over the top on price and seemed to be not interested anyway. Sky have a quote higher than LV so lets see...

 

That's where i've just gone to.

Was with Moley but he couldn't quote as i have lost my garage.

 

What has a garage got to do with getting a quote or not? It made £20 difference for me, not really something that I would imagine resulting in a non quote.

 

Can only think it's to with overnight security. I tried changing it online and only made £20 difference to me too.

The companies Moley uses are 'specialists' and so i would think have stricter policies.

 

Ok, I know I have been asking about changing tyre sizes and whether you need declare them but what about when you already have alloys declared as a mod. The reason I ask is that my insurance company cant give me an answer until next week and I wanted to know today.

I have upgraded from 16" to WRX 17s declared. Now the standard tyre fitment on the 17s is 215 so do I need to declare it if I put 225s on or am I being a bit OTT wth it all and it would be covered by declaring upgraded alloys anyway. Any ideas?

 

Surely, if you have declared the larger 17" wheels then any insurer with half a brain will know that you will also have fitted larger 17" tyres. Regardless of the profile, they are not standard diameter and therefor a 'modification'.

 

I would hope so. The only thing I can think might be a problem is that the 17" alloys are meant to take are 17x7 not 17x7.5 so I dont know if I need to state that I have over sized tyres for the alloys as technically they may argue that this would have a negative effect handling wise and they should be made aware of this as this would have effected the quote.

 

The other thing Im concerned with is the insurance company saying that "it sounds like its dangerous having tyres larger than the standard fit for the wheels and either refusing it or hiking the price up. I need to go armed with the correct argument. I think its Aviva that have underwitten my policy as I went through a broker and they tried to charge me £40 for an after market panel filter 6 years ago when I was with them last as they didnt know what one was and called it a general modification!