Insurance
02 June 2013, 11:54 PM
#1
Insurance
Thought it'd be interesting to see what everyone pays for their insurance and where from, as from reading another thread the costs vary significantly depending on age/vehicle and how they get the insurance ie via confused/go compare/direct/broker. I'll start it off....
Age: 35
NCD: 17 yrs
Points: 0
Car: 2005 WRX PPP
Premium: £600 LV
Via: confused.com
Age: 35
NCD: 17 yrs
Points: 0
Car: 2005 WRX PPP
Premium: £600 LV
Via: confused.com
Last edited by Donnie Brasco 46; 03 June 2013 at 12:01 AM.
03 June 2013, 01:15 AM
#2
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Age: 24
NCD: 2
Points: 0
Car: 2005 WRX @ 320bhp (all mods declared)
Premium: £700 for two drivers, £250 excess, optional extra health cover as the standard one is a joke!
Via: Confused.com
NCD: 2
Points: 0
Car: 2005 WRX @ 320bhp (all mods declared)
Premium: £700 for two drivers, £250 excess, optional extra health cover as the standard one is a joke!
Via: Confused.com
03 June 2013, 07:56 AM
#4
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Age: 44
NCD: 21 yrs
Points: 0
Car: 2005 sti ppp 340/350 all mods declared
Premium: £585 yearly
Via:Moley
Keith Michaels
NCD: 21 yrs
Points: 0
Car: 2005 sti ppp 340/350 all mods declared
Premium: £585 yearly
Via:Moley
Keith Michaels
Last edited by Athame1; 03 July 2013 at 03:45 PM. Reason: Wrong price
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03 June 2013, 12:50 PM
#8
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When i joined the army years ago my insurance premium rose significantly. When i asked why i was told they assume squaddies when on leave all go out drinking and crash their cars so were a greater risk. Funny thing was i didn't even drink back then and had never seen any evidence of soldiers being more likely to drink and drive than anyone else. Even more annoying was my car was kept at my parents house and not at the barracks, so i only got to drive it occasionally.
03 June 2013, 01:12 PM
#10
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I can understand why your post code effects the price but i have never really understood why occupation does. i've never really understood why the insurance company needs to even know the occupation?
When i joined the army years ago my insurance premium rose significantly. When i asked why i was told they assume squaddies when on leave all go out drinking and crash their cars so were a greater risk. Funny thing was i didn't even drink back then and had never seen any evidence of soldiers being more likely to drink and drive than anyone else. Even more annoying was my car was kept at my parents house and not at the barracks, so i only got to drive it occasionally.
When i joined the army years ago my insurance premium rose significantly. When i asked why i was told they assume squaddies when on leave all go out drinking and crash their cars so were a greater risk. Funny thing was i didn't even drink back then and had never seen any evidence of soldiers being more likely to drink and drive than anyone else. Even more annoying was my car was kept at my parents house and not at the barracks, so i only got to drive it occasionally.
Tarred with the same brush I'm afraid.
Did you see the TopGear episode where they covered this? They found that the most expensive job you can have insurance wise (according to JC) is "Motoring Journalist"
03 June 2013, 01:22 PM
#12
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Its *apparently* down to the type of people that perform specific roles.
Tarred with the same brush I'm afraid.
Did you see the TopGear episode where they covered this? They found that the most expensive job you can have insurance wise (according to JC) is "Motoring Journalist"
Tarred with the same brush I'm afraid.
Did you see the TopGear episode where they covered this? They found that the most expensive job you can have insurance wise (according to JC) is "Motoring Journalist"
So i wonder he decides what "type" of people do what "type" of job and whether they have any real evidence these people are a higher risk.
I bet insurance underwriter is the lowest risk lol.
03 June 2013, 01:22 PM
#13
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Due to start very soon from an Admiral policy of £990 for last 12 months.
Age: 29
NCD: 5yrs
Points: 0
Car: Cosworth STi Hatch
Premium: £430
Via: eSure Comparethemarket
I started a new policy at 24 which was very steep but 25 with 1yr dropped the quote significantly. I largely agree that postcodes have the biggest impact but sometimes the quote makes no sense at all!
Age: 29
NCD: 5yrs
Points: 0
Car: Cosworth STi Hatch
Premium: £430
Via: eSure Comparethemarket
I started a new policy at 24 which was very steep but 25 with 1yr dropped the quote significantly. I largely agree that postcodes have the biggest impact but sometimes the quote makes no sense at all!
03 June 2013, 01:37 PM
#14
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Well they don't help themselves by giving it the the smoking Scandinavian flick on every test drive
So i wonder he decides what "type" of people do what "type" of job and whether they have any real evidence these people are a higher risk.
I bet insurance underwriter is the lowest risk lol.
So i wonder he decides what "type" of people do what "type" of job and whether they have any real evidence these people are a higher risk.
I bet insurance underwriter is the lowest risk lol.
No they don't!Statistics I'm afraid... That's all that ever decides anything! Motoring offences/thefts/accidents affect the postcodes, as well as the cars, the age ranges etc. It's a pretty crap formula IMHO, it's all about being treated the same as everyone else, which doesn't actually work!
I bet you're not far from wrong there bud.
03 June 2013, 05:17 PM
#19
03 June 2013, 05:35 PM
#20
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. Andy
03 June 2013, 05:49 PM
#22
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Age: 25
NCD: 3 yrs
Points: 0
Car: 2003 WRX
Premium: £485
With : Green light
Postcode must have a massive factor considering some of the quote you guys with more ncb and experience are getting.
That being said, I tried quotes with other recommended insurers on here which quoted me double. So maybe its not all postcode and they just want you to think that to continue fleecing you....?
Always make sure you shop around is what I say as I saved myself a bundle.
NCD: 3 yrs
Points: 0
Car: 2003 WRX
Premium: £485
With : Green light
Postcode must have a massive factor considering some of the quote you guys with more ncb and experience are getting.
That being said, I tried quotes with other recommended insurers on here which quoted me double. So maybe its not all postcode and they just want you to think that to continue fleecing you....?
Always make sure you shop around is what I say as I saved myself a bundle.
03 June 2013, 07:07 PM
#23
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03 June 2013, 07:35 PM
#25
03 June 2013, 09:50 PM
#26
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Age: 25
NCB: 6
Points: 3
Car: 2004 Sti
Premium: £764 for the year Fully comp & Protected NCB
With: Privilege
My renewal with admiral came through last month and they wanted £1600! Told em where to stick it!
NCB: 6
Points: 3
Car: 2004 Sti
Premium: £764 for the year Fully comp & Protected NCB
With: Privilege
My renewal with admiral came through last month and they wanted £1600! Told em where to stick it!
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