crazy insurance quotes.looks like the the end for me and my old girl

peter1961 · 2nd July 2011, 15:32

there is something very sadly wrong with life when a guy can't afford to insure an 11 yr old deisel connie saloon.
im'e 50,clean licence,full n/c/b. car is garaged, valued £600,limited miles 5,000,vol excess £500.
best quote so far is co-op £527 f/comp with claims protection, £473 without protection.
just over 18 month ago same car valued £1800,limited miles 7,000,vol excess £350, cost me wih rac £265.
i will spend a few more days searching for better quotes but at the moment it is not looking very good.

please all keep your fingers crossed, for if i don't find something affordable i will be giving up driving for good.
pete.

jamesh7216 · 2nd July 2011, 15:43

Try Hastings Direct, I'm a similar age, only have 4 years NCB due to an accident in previous car, my car is 1999 2.0 Connoisseur se, 14,000 annual mileage, only £100 excess, paid £318 this year without no claims protection

petersrover · 2nd July 2011, 15:49

My insurance is dure this month and I have just been on line and have been quoted £260 fully comp., protected no claims, breakdown including recovery in the UK with business insurance included as standard with Direct Line. I have been with Zurich for the past 8 years and they wanted £335 for the same cover. Give them a try, by the way I am 62 years old.

crashmarks · 2nd July 2011, 15:50

Try a go compare type site I pay under £250 for my 03 diesel conny value £4000, £250 excess full ncb with admiral

SD1too · 2nd July 2011, 16:35

Quote:

Originally Posted by peter1961

... valued £600 ... f/comp with claims protection ...

Peter,

A couple of things to bear in mind. It's not worth paying extra for a comprehensive policy on a car worth £600 or less (insurance companies use dealer trade-in value). This is because bodyshop repair costs will exceed that even for the smallest scuff to your bumper, so your insurer will write the car off. You then have to buy it back by paying the salvage value plus you have the cost of the repair to bear, and all on top of a comprehensive premium which did nothing for you.

Secondly, so-called 'claims protection' is now not worth having either. Insurance companies have taken to raising the renewal premium by an enormous amount following a claim, so you're paying for 'protection' which you don't get.

Simon.

HarryM1BYT · 2nd July 2011, 17:07

Quite often I have found fully comp is cheaper than TPF&T.

RPWC · 2nd July 2011, 17:14

Regardless of driving record,alot of insurance companies hike the premium up because of the area you live in,ie postcode,the nearer you are to a city ,or large town,the higher the premium,in my experience.
When I was in my mid 20's ,I moved to a country cottage,the insurance went down,when I got married a few years later ,and moved to my current address,the insurance rocketed. I seem to remember there being a thread about insurance and the club on here recently. Was it that the club was trying to negotiate with insurance companies about discounted premiums for club members?

ceedy · 2nd July 2011, 17:47

From Confused .

My 2003 ZT CDT1 Admiral with synergy declared . parked in street
61 yrs with lotsa NCB ...paid £ 188 2 months ago ..

Renewal was 245 ( from 201 in 2010) ..

But they went with the online quote..
and it was all down to job description being slightly different ??

Chris

shrimper 1 · 2nd July 2011, 18:43

Peter, Give L/V a ring I have much the same record as yourself apart from me being 60 years old, And L/V charged me £384 with protected ncb and full breakdown and recovery for myself and my wife in any car.
Regards John.

wuzerk · 2nd July 2011, 19:08

I have just gone with LV too, £300 excess, standard connie SE 03 for £376
fully comp. My renewal quote from the RAC was £974 with a Synergy!

2nd July 2011, 15:32	#1
peter1961 Gets stuck in 99/V connie cdt moonstone green saloon. 94/L 214 cabriolet dark blue Join Date: Dec 2007 Location: nelson lancashire Posts: 809 Thanks: 3 Thanked 12 Times in 11 Posts	crazy insurance quotes.looks like the the end for me and my old girl there is something very sadly wrong with life when a guy can't afford to insure an 11 yr old deisel connie saloon. im'e 50,clean licence,full n/c/b. car is garaged, valued £600,limited miles 5,000,vol excess £500. best quote so far is co-op £527 f/comp with claims protection, £473 without protection. just over 18 month ago same car valued £1800,limited miles 7,000,vol excess £350, cost me wih rac £265. i will spend a few more days searching for better quotes but at the moment it is not looking very good. please all keep your fingers crossed, for if i don't find something affordable i will be giving up driving for good. pete.

2nd July 2011, 17:07	#6
HarryM1BYT This is my second home 75 Contemporary SE Mk II 2004 Man. Sal. CDTi 135ps, FBH on red diesel, WinCE6 DD Join Date: May 2010 Location: Leeds Posts: 17,273 Thanks: 2,160 Thanked 2,061 Times in 1,586 Posts	Quite often I have found fully comp is cheaper than TPF&T. __________________ Harry How To's and items I offer for free, or just to cover the cost of my expenses... http://www.the75andztclub.co.uk/foru...40#post1764540 Fix a poor handbrake; DIY ABS diagnostic unit; Loan of the spanner needed to change the CDT belts; free OBD diagnostics +MAF; Correct Bosch MAF cheap; DVB-T install in an ex-hi-line system; DD install with a HK amp; FBH servicing. I've taken a vow of poverty. To annoy me, send money.

2nd July 2011, 17:14	#7
RPWC This is my second home 75 model car Join Date: Apr 2011 Location: Newcastle upon Tyne Posts: 20,194 Thanks: 4,008 Thanked 5,083 Times in 3,114 Posts	Regardless of driving record,alot of insurance companies hike the premium up because of the area you live in,ie postcode,the nearer you are to a city ,or large town,the higher the premium,in my experience. When I was in my mid 20's ,I moved to a country cottage,the insurance went down,when I got married a few years later ,and moved to my current address,the insurance rocketed. I seem to remember there being a thread about insurance and the club on here recently. Was it that the club was trying to negotiate with insurance companies about discounted premiums for club members? __________________ Cheers. Rich… Last edited by RPWC; 2nd July 2011 at 17:18..

2nd July 2011, 17:47	#8
ceedy This is my second home All Trophy Blue ,ZT260#50 , ZT CDTI Auto, ZR105+ and 1.8T Firefrost spoiling the Set . Join Date: Nov 2006 Location: Nr Sherborne But in Somerset.. Posts: 6,093 Thanks: 916 Thanked 1,214 Times in 768 Posts	From Confused . My 2003 ZT CDT1 Admiral with synergy declared . parked in street 61 yrs with lotsa NCB ...paid £ 188 2 months ago .. Renewal was 245 ( from 201 in 2010) .. But they went with the online quote.. and it was all down to job description being slightly different ?? Chris __________________ The Three Bloo's Wifey's Zr105, MY CDTI & 260 #50 and Number One sons 1.8T in Firefrost When I were a lad Zero to 142 in 10.25 secs at the Pod on my Blown Norton. 210 Kart Champ in 70's Last edited by ceedy; 2nd July 2011 at 18:12..

2nd July 2011, 19:08	#10
wuzerk Passed Away Rover 75 CDT 03 auto Conn. SE Join Date: May 2009 Location: London Posts: 2,885 Thanks: 104 Thanked 254 Times in 204 Posts	insurance I have just gone with LV too, £300 excess, standard connie SE 03 for £376 fully comp. My renewal quote from the RAC was £974 with a Synergy!

2nd July 2011, 15:43	#2
jamesh7216 Avid contributor Rover 75 Connoisseur SE 2003 2.5V6 Alfa GTV V6, Alfa 159 Sportwagon, Jeep Grand Cherokee Join Date: Dec 2009 Location: nr Bridgnorth Shropshire Posts: 155 Thanks: 3 Thanked 23 Times in 19 Posts	Try Hastings Direct, I'm a similar age, only have 4 years NCB due to an accident in previous car, my car is 1999 2.0 Connoisseur se, 14,000 annual mileage, only £100 excess, paid £318 this year without no claims protection

2nd July 2011, 15:49	#3
petersrover Avid contributor Rover 75 saloon 1.8 Turbo Connoisseur manual Join Date: Jan 2008 Location: Suffolk Posts: 221 Thanks: 0 Thanked 0 Times in 0 Posts	My insurance is dure this month and I have just been on line and have been quoted £260 fully comp., protected no claims, breakdown including recovery in the UK with business insurance included as standard with Direct Line. I have been with Zurich for the past 8 years and they wanted £335 for the same cover. Give them a try, by the way I am 62 years old.

2nd July 2011, 15:50	#4
crashmarks Loves to post Rover 75 Connoisseur SE Tourer Auto Join Date: Feb 2010 Location: Wakefield Posts: 408 Thanks: 12 Thanked 8 Times in 8 Posts	Try a go compare type site I pay under £250 for my 03 diesel conny value £4000, £250 excess full ncb with admiral

2nd July 2011, 18:43	#9
shrimper 1 Passed Away 2003 rover 75 cdti con se saloon Join Date: Nov 2008 Location: Stanford-Le-Hope Posts: 305 Thanks: 9 Thanked 1 Time in 1 Post	Peter, Give L/V a ring I have much the same record as yourself apart from me being 60 years old, And L/V charged me £384 with protected ncb and full breakdown and recovery for myself and my wife in any car. Regards John.