This might be a complete waste of time, but I was hoping to get some ideas of what people are paying for their car insurance.

So i have made up a basic list of questions to be asked, and thought some members might feel like sharing their information to help other seek better insurance prices and cover etc.

Copy and paste the below and fill out the relevent questions please. Im aware there is a lot more that goes into a Inurance quote, but ive tried to make it as non-personal as possible.


County?............
Age?...............
Sex?...............
NCB Years?.........
Protected?.........
Year Lic Held?.....
Claims or Conv?....
Car Type?..........
Value of Car?......
Year of Manu?......
Import?............
Mods declared?.....
2nd Driver.........
Insurance Co?......
Quote Price?.......
Full or TPTF?......
Excess costs?......


Here is mine:
County?............North West (BB18)
Age?...............32
Sex?...............M
NCB Years?.........6
Protected?.........Y
Year Lic Held?.....15
Claims or Conv?....0
Car Type?..........STI Prodrive
Value of Car?......5k
Year of Manu?......2002
Import?............N
Mods declared?.....Y
2nd Driver.........Partner F 34
Insurance Co?......Kwikfit
Quote Price?.......800
Full or TPTF?......F
Excess costs?......400

Thanks Rob

 

You might want to put first part of postcode instead/aswell as area, as that is one of the biggest rating factors.

 

County?............South East (RH6)
Age?...............30
Sex?...............M
NCB Years?.........9
Protected?.........Y
Year Lic Held?.....13
Claims or Conv?....0
Car Type?..........STI Type UK
Value of Car?......8.5k
Year of Manu?......2003
Import?............N
Mods declared?.....Y
2nd Driver.........None
Insurance Co?......Keith Michaels
Quote Price?.......550
Full or TPTF?......F
Excess costs?......500 (i think)

 

why has insurance gone up so much mines due soon ,had 2 subaru wrx sti in last 5 years 28 years old,10 years no claims gone from paying 550 and looking at 695 this year and nothing changed

 

insurance has risen on average by 30/40 percent in the last year

 

just tried a few online quotes and they coming back at 1100

 

Thanks Moley, yes your right, but I didnt want folk to dsiclose to much information and be put off filling out the form.

I was going to ring you yesterday but seen a post saying you dont work weekends so I thought I would wait untin Monday.

Postcode BB18.

Any rough ideas of costs for Fully C, can you beat my current quote above?

Thanks Rob

 

County?............Middx/Surrey TW15
Age?...............55
Sex?...............M
NCB Years?.........9+
Protected?.........y
Year Lic Held?.....35
Claims or Conv?....0
Car Type?..........Sti spec c wr ltd
Value of Car?......15k
Year of Manu?......54 plate
Import?............y
Mods declared?.....y
2nd Driver.........none
Insurance Co?......Keith Michaels
Quote Price?.......£550
Full or TPTF?......full
Excess costs?......£500 (i think)

 

County?............ Angus/Tayside Dundee DD4
Age?...............23
Sex?...............M
NCB Years?.........2
Protected?.........n
Year Lic Held?.....3
Claims or Conv?....0
Car Type?..........Sti type R
Value of Car?......5k
Year of Manu?......97 plate
Import?............y
Mods declared?.....y
2nd Driver.........G/F 23 also 4 years nc
Insurance Co?......admiral
Quote Price?.......£1560
Full or TPTF?......TPFT
Excess costs?......£500

 

i was quoted £860 from aviva im 27 zero no claims and liscence held for 9 years

 

Thanks but this doesnt mean very much if you dont tell us the full story bud. Rob

 

County?............ayrshire scotland ka12
Age?...............33
Sex?...............M
NCB Years?.........7
Protected?.........Y
Year Lic Held?.....14
Claims or Conv?....0
Car Type?..........wrx sl
Value of Car?......11000
Year of Manu?......2007
Import?............N
Mods declared?.....Y
2nd Driver.........n
Insurance Co?......admiral
Quote Price?.......881
Full or TPTF?......F
Excess costs?......250

got it down to 551 with admiral. but going through one of those online search places, as they couldnt bring mine down they had to match it so they told me as i was quoted from the same company,office cant beat internet prices,

 

County?............ol1o manchester
Age?...............44
Sex?...............m

NCB Years?.........20
Protected?.........yes
Year Lic Held?.....25
Claims or Conv?....none
Car Type?..........wrx
Value of Car?......5k
Year of Manu?......2001
Import?............no
Mods declared?.....yes
2nd Driver.........yes
Insurance Co?......keith michaels
Quote Price?.......750
Full or TPTF?......full
Excess costs?......300

 

County?............ West Yorkshire (LS14)
Age?............... 28
Sex?............... M
NCB Years?......... 7
Protected?......... Yes
Year Lic Held?..... 10
Claims or Conv?.... No
Car Type?.......... WRX
Value of Car?...... £5k
Year of Manu?...... 1995
Import?............ Yes
Mods declared?..... Yes
2nd Driver......... No
Insurance Co?...... Keith Michaels
Quote Price?....... £770
Full or TPTF?...... Full Comp
Excess costs?...... £350

 

This was for my 205 GTi (quoted Dec 2009) before I sold it earlier this year. Proves Moley isn't just about Scoobs for those interested


County?............ North Lincs (DN16)
Age?............... (was) 25
Sex?............... M
NCB Years?......... 3
Protected?......... No
Year Lic Held?..... 3
Claims or Conv?.... 2 non fault accidents, 3 points for TS10 (ran a red light)
Car Type?.......... 205 GTi (1.9)
Value of Car?...... £1,500
Year of Manu?...... 1988
Import?............ No
Mods declared?..... Yes
2nd Driver......... No
Insurance Co?...... Keith Michaels
Quote Price?....... £400
Full or TPTF?...... Full Comp
Excess costs?...... £250

 

how's that nick

 

quality mate

 

County?............Nottingham
Age?...............32
Sex?...............m
NCB Years?.........10
Protected?.........yes
Year Lic Held?.....13
Claims or Conv?....nil
Car Type?..........JDM V5 STi
Value of Car?......4000
Year of Manu?......oct 98
Import?............yes
Mods declared?.....yes
Insurance Co?......Adrian Flux
Quote Price?.......580
Full or TPTF?......full
Excess costs?......350

 

I know you must think this is expensive mate but look on the bright side, ive nearly finished my 1998 wrx project and cant even drive it when its done as they want £3800 for my insurance!!!!!!!!

I'd cough that up any day lol

I am 22 though and have 3 accidents on record and only 1 years ncb and to top it all off live in Kent just by the A2 which apparantly puts it up alot.

Any tips people??

 

Buy a 1.1 and stop crashing

 

3 "Declared" Crashes, and you think its your postcode thats bumped it up alot

As above, buy a smaller banger, driver more careful, and stop claiming on insurance for a little while.

I wounder why my premiums are still high

 

As above, once you have a 3rd accident (fault or non-fault) lots of companies will stop quoting, that's what is putting the price up

 

The BB postcode unfortunately.

It's probably fine where you are (low thefts etc) but the insurers will be worried about you travelling into surrounding areas an having accident.... you are close to areas with BIG personal injury problems.

 

I sent you a PM sometime ago... asking if you could offer me a quote


No reply., would you mind getting back to me please.

Thanks,
Rob

 

Drop me another pm with your number and i'll give you a call

 

County?............North West: M24
Age?...............32
Sex?...............Male
NCB Years?.........15 years
Protected?.........Yes
Year Lic Held?.....15 years
Claims or Conv?....SP30 back in 2007. Works van, (48 in a 40)
Car Type?..........Wrx
Value of Car?......£4500
Year of Manu?......2002
Import?............No
Mods declared?.....Yes
2nd Driver.........No
Insurance Co?......Red Star(Adrain Flux)
Quote Price?.......£800
Full or TPTF?......Full
Excess costs?......£500


Still seems heavy to say I never use it. Have a Works Van, doesn't move all week. All these no Claims Bouns etc. I know the Post Code isn't great but I block the car with the van on the drive. Cat 1 Alarm & Immob with 24hr Tracker. Can't do any more can we! If It ever goes more than £900 am selling it. Not paying that and driving a Van all week!

 

LOL yep realised that a while ago mate, driving fully comp on a new mini cooper at the moment and driving sensible!!! fingers crossed i will earn a second years no claims in feb 2011 and a crash falls off of the '5 year pevious list' asked for by insurers. Im slowly getting there.

 

County?............west mids
Age?...............21
Sex?...............Male
NCB Years?.........4
Protected?.........no
Year Lic Held?.....4
Claims or Conv?....no
Car Type?..........Wrx sti
Value of Car?......£5000
Year of Manu?......2002
Import?............No
Mods declared?.....no
2nd Driver.........No
Insurance Co?......swinton
Quote Price?.......£2,500
Full or TPTF?......tpft
Excess costs?......£500

 

I had one of those typical insurance tutor phone calls the other day asking if they could have 10 mins to offer the best quote, giving them the benifit of the doubt I said ok, they said (after 30mins) that they would push the quote to someone else to offer me the best deal 'Swinton'. They quoted me £1600..... with £400 excess. I told them that I have been quoted £600 with £500 excess....... they said to me, and I quote ""yes but our excess is lower"" hahahahaha. Phone went down.

SWINTON seems to be a bit of a joke. Try the specialist boys on here fella.

 

County?............Essex (Cm3)
Age?...............30
Sex?...............Male
NCB Years?.........6
Protected?.........Y
Year Lic Held?.....12
Claims or Conv?....no
Car Type?..........Wrx
Value of Car?......£3000
Year of Manu?......1996
Import?............Y
Mods declared?.....Y
2nd Driver.........No
Insurance Co?......Adrian Flux
Quote Price?.......£530
Full or TPTF?......Full
Excess costs?......£500