Notices
Essex Subaru Owners Club The official dedicated forum for Essex Subaru Owners Club Events.

A Good Old-Fashioned Rant

Old 10 April 2014, 08:16 PM
  #1  
Frizzle-Dee
Scooby Regular
Thread Starter
 
Frizzle-Dee's Avatar
 
Join Date: Jul 2011
Location: Essex
Posts: 454
Angry A Good Old-Fashioned Rant

"Car Insurance Hits A Low!!" was a statement uttered on the news this morning.

It wasn't discussed in any real detail, more of just a fleeting comment made during the 'business/money bit'... but it was enough to make me feel a little less apprehensive about my renewal at the end of this month.

Then, as if by magic, my renewal letter shows up today.

I'd like to think after 6 years of driving, 6 years no claims with no convictions or anything negative plus being over the ripe ol' age of 25, I would finally see a reasonable quote this year.

Nope. Not even a little bit.

I'd go as far to say it hasn't gone down at all.

I decided to have a quick scout on a comparison site, I know they aren't ideal, I just wanted some quotation ammo so I could call my insurer up tomorrow and ask how they could justify the price of my renewal.

To my horror, the cheapest comparison quote was just shy of 4 figures and that was ONLY on the condition they fitted a black box to my car

And to add insult to injury, it was some company I had never even heard off! I tend to only stick with companies I actually KNOW for piece of mind.

Out of curiosity, I scrolled down to see what the cheapest KNOWN company quote was- 1450.

Are you freakin' kidding me!!?


As every year ticks by, the turbo envy grows more and more unbearable and at this rate, that JDM seems ever more like an unrealistic dream.

By the time I can buy one, let alone insure the bugger, they'll have probably issued some EU restriction on turbo-charged Japanese imports, or introduced some crazy fuel restriction where we all have to drive hybrids with a 20 p/week petrol limit. Hell, they might as well.

Maybe I should just give up now and buy a Fiesta or something

(although I'm guessing an ST would be out of the question *rolls eyes*)


Frizzle-Dee is offline  
Old 10 April 2014, 08:46 PM
  #2  
kin quick
Scooby Regular
iTrader: (2)
 
kin quick's Avatar
 
Join Date: Feb 2003
Location: 2.1 Spec-C .......Pimms O'clock!!
Posts: 2,727
Default

Have you tried Gary Moleson at Keith Micheals??

Most Scooby owners I know use him, he's a long time Scooby owner himself (even though he's just got an Evo) and always gives me the cheapest insurance quotes!

Can't see how your getting quotes that high, I was 24 when I got my brand spanking new Bugeye WRX and never paid anywhere near that (or the equivalent for nowadays).

Gary posts as 'Moley' on Scoobynet, check out the insurance section of this forum, he's well respected and an all round good egg
kin quick is offline  
Old 10 April 2014, 08:56 PM
  #3  
JohnD
Scooby Regular
iTrader: (5)
 
Join Date: Apr 2000
Location: Havering, Essex
Posts: 6,252
Default

With a full NCB and no convictions, that's crazy. Do you live in a really bad postcode?
Have you got anyone 'mature' as a second driver? Both my son's and daughters insurance went down noticeably when they put me (or their mum) on as a second driver!
Is insurance for a turbo much more than for the Sport? I remember some years ago my son tried to insure an Escort XR3i but out of curiosity got a quote for an Escort RS Turbo, and it was cheaper! Needless to say, he went and bought one.

JohnD
JohnD is offline  
Old 10 April 2014, 09:34 PM
  #4  
frayz
Essex Area Moderator
iTrader: (7)
 
frayz's Avatar
 
Join Date: Sep 2005
Location: "Engineering Perfection in Essex"
Posts: 19,928
Default

Call Gary Moulson @ Keith Michaels.

Gary insures all our fleet and his customer service is superb. I insure both my cars for less than 1k
frayz is offline  
Old 10 April 2014, 09:35 PM
  #5  
Scoobysmeet
Scooby Regular
 
Scoobysmeet's Avatar
 
Join Date: Oct 2009
Location: Chelmsford Essex
Posts: 1,795
Default

Zola try Sky insurance as well. You can find them in the insurance section on here. They done me and Becky a really good deal and were very helpful.
I had to 6 points for speeding and a non fault claim and last year was down to around the 550 mark!
Scoobysmeet is offline  
Old 10 April 2014, 09:44 PM
  #6  
JWalle
Scooby Regular
 
Join Date: Oct 2013
Location: Essex
Posts: 102
Default

You can find out your Post Code rating here:

http://www.motorcarinsuranceuk.co.uk...de-ratings.php

I have always found Admiral multi-car insurance hard to beat.
JWalle is offline  
Old 10 April 2014, 10:04 PM
  #7  
ANDY.R
Scooby Regular
 
Join Date: Aug 2002
Location: Essex
Posts: 312
Default

Originally Posted by JWalle View Post
You can find out your Post Code rating here:

http://www.motorcarinsuranceuk.co.uk...de-ratings.php

I have always found Admiral multi-car insurance hard to beat.
I had Admiral for a few years but found i had to ring them every year as their renewal was always to dear. They always changed it after me telling them i can insure cheaper without the multi car policy.
Anyway this year same old saga but ive insured all 3 cars with Adrian Flux and saved 322 pounds over Admirals quote and they couldn't get near it.

Adrian Flux are very good with performance cars, always worth a phone call. Better than on line, seem to get a better deal.
ANDY.R is offline  
Old 11 April 2014, 09:23 AM
  #8  
stealthbomber
Scooby Regular
iTrader: (3)
 
Join Date: Jul 2012
Location: essex
Posts: 702
Default

Give sky a call, thats who I'm with and can wholly recommend them. Keith michaels, greenlight and aplan also seem well regarded on here too.
stealthbomber is offline  
Old 11 April 2014, 10:27 AM
  #9  
Frizzle-Dee
Scooby Regular
Thread Starter
 
Frizzle-Dee's Avatar
 
Join Date: Jul 2011
Location: Essex
Posts: 454
Default

Thanks for all the replies guys. It looks like I'll be making a few phone calls today at some point.

Looking around and reading some of the threads on here, I have a feeling I am not going to get it that much lower than my renewal.
To be fair, I like an easy life- (some call it laziness)-It would have to be a significant drop for me to warrant going through the hassle of switching insurers. I'm not expecting the unrealistic, but a couple of quid isn't going to sway me.

My postcode isn't listed on that checker site- not sure if that's a good thing or a bad thing tbh! lol

My dad is a named driver on my policy. He has 38 years driving under his belt with no claims or convictions. I'd dread to think what I'd be paying if he wasn't on it!!

Out of curiosity, I ran my details through a different comparison site. It offered better quotes and hopefully I will be able to use these to my advantage when I call my insurer to discuss my renewal.

I also ran additional quotes on a standard WRX and a standard STI (UK)-*same age as mine*
They came back identical! despite the vehicle spec. clearly listing the difference between the two...I'm guessing that's just an error with the comparison site as they don't tailor so much to specifics and try to generalise what they can. Either way, there is a 325 p/yr difference between the Sport and a turbo.

Whereas, I could afford that now, I wasn't after another blob so its irrelevant.

At the time I bought my car, the gap between the two was a lot greater and I couldn't justify the cost so I bought the Sport instead.
Now that gap is closing up, it does make me frustrated that I am paying what I am when, for the sake of a little more I could have the 'real deal'.

I will try to get hold of Gary @ KM and SKY insurance to see what they can offer.

But as Andy said, I too have found that over the last few years I have always had to phone and haggle over the price. It'll be interesting to see if I can talk them down for the 3rd year in a row
Frizzle-Dee is offline  
Old 11 April 2014, 10:31 AM
  #10  
L.J.F
Instructing with fear
iTrader: (31)
 
Join Date: Feb 2007
Location: Www.Extreme-rally.co.uk
Posts: 5,091
Default

Originally Posted by JWalle View Post
You can find out your Post Code rating here:

http://www.motorcarinsuranceuk.co.uk...de-ratings.php

I have always found Admiral multi-car insurance hard to beat.
Very helpful cheers for that
L.J.F is offline  
Old 11 April 2014, 03:38 PM
  #11  
romford-boy
Scooby Regular
 
Join Date: Jul 2012
Location: Essex
Posts: 593
Default

Go with Keith Michaels or Sky.

I use Sky, can declare my mods, not gonna get f***'d for having something minor like mudflaps and the price was competitive too.

Admiral were the next best, but only on the proviso that I drove the car somewhere far far away to get a black boxed fitted - but they wouldn't cover me on the journey to get said box fitted!! :s
romford-boy is offline  
Old 11 April 2014, 04:06 PM
  #12  
Frizzle-Dee
Scooby Regular
Thread Starter
 
Frizzle-Dee's Avatar
 
Join Date: Jul 2011
Location: Essex
Posts: 454
Cool

Well, thanks again for the recommendations chaps!

I've just come off the phone with Gary at Keith Michaels and I'm MORE than happy with the figure he quoted.

Looks like I'll be phoning my current insurer this weekend to tell them to shove it! I highly doubt they will match it somehow.

It's a pleasure to speak to someone who isn't just reading off a set script and actually possesses knowledge on the car in question!
I think a lot of other insurers must just hear the word 'Impreza' and add an extra 400 p/yr by default!

The fact that my current insurance renewal was only 200 less than the lowest quote I found for a turbo'd model was seriously giving me cause for concern that someone might have messed up the admin somewhere.

Seems like the guys over at Keith Michaels actually appreciate the difference between the two and have quoted me a much more realistic price for a Sport.

Thank goodness for that!
Frizzle-Dee is offline  
Old 11 April 2014, 04:07 PM
  #13  
JohnD
Scooby Regular
iTrader: (5)
 
Join Date: Apr 2000
Location: Havering, Essex
Posts: 6,252
Default

It's scary to think that more and more Ins.co. are requiring a magic box! Can you imagine any of us having one of those fitted!

JohnD
JohnD is offline  
Old 11 April 2014, 04:19 PM
  #14  
Frizzle-Dee
Scooby Regular
Thread Starter
 
Frizzle-Dee's Avatar
 
Join Date: Jul 2011
Location: Essex
Posts: 454
Default

Originally Posted by JohnD View Post
It's scary to think that more and more Ins.co. are requiring a magic box! Can you imagine any of us having one of those fitted!

JohnD
The thing is, I reckon one day we probably WILL have to have them fitted.

It seems to be the way this country is going with this stuff.
Too many people have taken the mickey with fraudulent claims and now every motorist is slowly but surly being criminalised as a result.
Look at dash cams- They are not a requirement by law YET, but give it another year...

I was fuming when that quote came up, asking for more than my renewal and insisting on the fitment of a box!
At first I thought they were a good idea for people who had just passed their tests and were maybe struggling to insure their first car, but come on! I'd like to think after so many years we could be trusted to drive ourselves around competently, would you??

Once again, the minorities go and spoil it everyone else.
Frizzle-Dee is offline  
Old 22 April 2014, 10:15 AM
  #15  
Frizzle-Dee
Scooby Regular
Thread Starter
 
Frizzle-Dee's Avatar
 
Join Date: Jul 2011
Location: Essex
Posts: 454
Wink

Little update on this:

Thanks again to everyone who recommended Gary Moulson at Keith Michaels.

I have taken out my first policy with them after they beat my previous insurer's renewal price by a staggering 330!

Fantastic service!

Thanks again!
Frizzle-Dee is offline  
Old 22 April 2014, 01:14 PM
  #16  
Looie
Scooby Regular
 
Looie's Avatar
 
Join Date: Apr 2006
Location: It's not a Scoob, or even a Skoda, but 200bhp is on the horizon..
Posts: 2,900
Default

Gary Moulson

Insured with Gary for years - still with him even though I ain't got my Scoob any anymore!
Looie is offline  
Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
[email protected] Developments
Full Cars Breaking For Spares
33
29 August 2017 07:18 PM
[email protected] Developments
Full Cars Breaking For Spares
20
22 October 2015 06:12 AM
Trix-wrx
Non Scooby Related
6
17 September 2015 06:35 PM
blackandz
General Technical
0
12 September 2015 07:01 PM


Thread Tools
Search this Thread
Quick Reply: A Good Old-Fashioned Rant


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service

© 2019 MH Sub I, LLC dba Internet Brands

We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.