Whats everyones insurance - The definative thread - Page 6

ssizefive · 19th October 2011, 18:10

What car are you insured on? Rover 75 Connoisseur 2.5 auto 99 T
What company are you insured with? Octagon
What is your insurance costing you? £440
What age are you? 41 ( well until Friday )
What gender are you? Male
What country/area do you live? Keighley, West Yorkshire
How many years ncb? 7
Is it protected? No
Car value? £1500
Whats the millage limitations? 10000
Any policy restrictions / benefits? no
Fully comp / third party etc? Fully comp
Penalty points? none
Declared mods? none

I usually have to change insurers every year, this years renewal was around £800 as far as i can remember but after a lot of shopping round i found the above company who i have never heard of but i have insurance which is all i need.

Steve

bl52krz · 19th October 2011, 22:42

Quote:

Originally Posted by Clickernick

What car are you insured on? Rover 75 Connie SE 2.5 V6
What company are you insured with? First Direct
What is your insurance costing you? £315 (03/2010) Just qouted £735 on renewal

(03/2011)
What age are you? 48
What gender are you? Male
What country/area do you live?Milton Keynes , MK6
How many years ncb? 13
Is it protected?yes
Car value? £1500
Whats the millage limitations? 8000
Any policy restrictions / benefits? N/A
Fully comp / third party etc? Fully Comp
Penalty points? No
Declared mods? Stainless Exhaust
Parked ? Driveway
Excess ? £0
Windscreen ? £80

£735!!!!!!!!!!!!
So you will be moving on then???????????

blacknwhite · 20th October 2011, 09:34

Quote:

Originally Posted by tazzman600

What car are you insured on? MGZT Diesel 135+
What company are you insured with? Elephant.com
What is your insurance costing you? £ 835
What age are you? 49
What gender are you? Male
What country/area do you live? Manchester, 1 1/2mile from city centre
How many years ncb? 13 BUT industry only recognises 9 I got told
Is it protected? oh yes, very much so
Car value? 2500
Whats the millage limitations? none
Any policy restrictions / benefits? paid extra for cover against none insured drivers in case of a bump, also legal cover protection
Fully comp / third party etc? Fully Comp
Penalty points? None
Declared mods? None

My insurance went up from 500 to 950, all quotes were so high, roll on when I turn 50, will this make much of a difference? I know where I live is naff for insurance cover

Tazz, that is absolutely mental that price £835. Phew.........

Think best quote I got for fully comp was £355.00 and I thought that was bad.

Dantheman · 20th October 2011, 10:50

What car are you insured on? 2003 2.5 Connie Auto
What company are you insured with? Admiral Multicar (see below)
What is your insurance costing you? £428
What age are you? 49
What gender are you? Male
What country/area do you live? South Manchester
How many years ncb? 15 (see note below)
Is it protected? yes
Car value? 2500
Whats the millage limitations? 6000
Any policy restrictions / benefits? Legal - wife named driver
Fully comp / third party etc? Fully Comp £150 excess
Penalty points? none
Declared mods? none

An interesting point I found reading through this thread were the quotes received by several young drivers. I have a 19yr old son, who only drives a Fiat Punto 1.2 - and the quotes are well over £1500. Would love to know the magic formula how young drivers on a Rover 75 get quoted so low.

Decided to go with Admiral Multicar as what was important for me was the bottom line cost of insuring the Rover AND the Punto for my 19yr old (his renewal comes up next week).

Listing my son as the main driver on the Punto (so no insurance fronting - a very dangerous game to play) with myself, my wife and my wife's brother as "occassional" drivers I got a quote of £428 for the Rover (myself and wife as named drivers) and a quote of "only" £635 for the Punto (11 months coverage) - equivalent to £692 annually. Punto is fully comp but with a high excess if my son is driving.

So £492 + £692 = £1184 annual equivalent FOR BOTH CARS.

The best price I was able to get for the Punto alone was £1450 !! And this was a £300 increase from last year - and touch wood, my son has had no points or accidents in his 2 years driving.

So I am paying FOR BOTH CARS the same amount I was paying for just the Punto last year - so for me, Admiral is insuring my Rover virtually for free.

RE: NCB - It has been pointed out that insurers only recognise up to 9 years. In fact I noticed on the renewal for the Rover from my previous insurer (AVIVA) it just states 5 years or more - even though I now have 15 years NCB.

When doing the admiral multicar quote, the difference between entering say 9 years NCB vs 15 years NCB was about £60 less. I did note that anything over 15years, the quote remained the same.

Admiral advised me that when I send in the proof of NCB (which will only show 5 years or more) they will accept this as proof of 15years provided, if needed, I could prove it. Fortunately, I have kept renewal paperwork going back to 2002 (where I had 7 years NCB) and would be able to prove it.

But it does seem a very nasty trick by the insurers - I had noted for example, that I was with Hastings for 5 years (2002 - 2007) and each year it only shows 7 years NCB rather than adding 1 year each renewal - as Hastings Maximum discount is based on 7 years.

It is useful to exchange quotes but so many factors go into deciding rates - about a mile from where I live there is a roundabout where a known gang was purposely stopping short at the roundabout to cause rear end collisions and claim compensation for injuries. As we know - if you hit someone from behind - you are at fault. It's pathetic - but that's how the insurers work.

Well they caught the gang (after 2 years) - but our postcode is now considered a "high risk" zone - and our insurance rates have gone up due to this (among other reasons too no doubt).

Commodore · 20th October 2011, 12:00

First - my recently departed 75:

What car are you insured on? - Rover 75 2.0V6 Club SE Saloon
What company are you insured with? - MoreThan
What is your insurance costing you? - £380
What age are you? - 34
What gender are you? - Male
What country/area do you live? - West London (West Drayton, north side of Heathrow Airport)
How many years ncb? - 10+
Is it protected? - Yes
Car value? - £4,000
Whats the millage limitations? - No limitations, stated average of 15,000 a year
Any policy restrictions / benefits? - Legal Cover included
Fully comp / third party etc? - Fully Comp
Penalty points? - None
Declared mods? - None

And now - the car I'm currently driving:

What car are you insured on? - Citroen C4 5dr 1.6HDi VTR+ EGS (110hp)
What company are you insured with? - MoreThan
What is your insurance costing you? - £635
What age are you? - 34
What gender are you? - Male
What country/area do you live? - West London (West Drayton, north side of Heathrow Airport)
How many years ncb? - 10+
Is it protected? - Yes
Car value? £8,000
Whats the millage limitations? - No limitations, stated average of 15,000 a year
Any policy restrictions / benefits? - Legal cover included
Fully comp / third party etc? - Fully Comp
Penalty points? - None
Declared mods? - None

Suffice to say I was horrified when I discovered how much more it cost to insure the Citroen. Can't see me staying with MoreThan when the policy is due for renewal at the end of December.

chrissyboy · 20th October 2011, 13:23

What car are you insured on? connie 1800 turbo What company are you insured with? saga What is your insurance costing you? £439 What age are you? 53 What gender are you? Male
What country/area do you live? london se220js How many years ncb? the limit of 9 years but if they was to discount me for every year they would be paying me to insure with them

Is it protected? yes, Car value? £3200 Whats the millage limitations? none
Any policy restrictions / benefits none Fully comp / third party etc? Fully Comp
Penalty points? None
Declared mods?wheels ,stero,tints but no increase
my insurance last yearwas £218 now £439 , gone up by 30% yeah alright

if its more next year im getting a hoop and stick

with a rover badge on it

insurance claims has gone down by 30% accordding to article i read so why is it so high and how do they make 218 to 439 30%

David3807 · 20th October 2011, 16:15

What car are you insured on? 2002 connie se tourer 2.5 auto
What company are you insured with? admiral
What is your insurance costing you? £245
What age are you? 65
What gender are you? male
What country/area do you live? Gravesend, Kent
How many years ncb? 13
Is it protected? yes
Car value? £2500
Whats the millage limitations? 6000
Any policy restrictions / benefits? legal cover
Fully comp / third party etc? Fully Comp
Penalty points? none
Declared mods?None

David3807 · 20th October 2011, 16:18

What car are you insured on? 2001 connie se 2.5 auto
What company are you insured with? admiral
What is your insurance costing you? £245
What age are you? 65
What gender are you? male
What country/area do you live? Gravesend Kent
ow many years ncb? 13
Is it protected? yes
Car value? £2200
Whats the millage limitations? 6000
Any policy restrictions / benefits? legal cover
Fully comp / third party etc? Fully Comp
Penalty points? none
Declared mods?None

chrissyboy · 20th October 2011, 16:29

Quote:

Originally Posted by David3807

What car are you insured on? 2001 connie se 2.5 auto
What company are you insured with? admiral
What is your insurance costing you? £245
What age are you? 65
What gender are you? male
What country/area do you live? Gravesend Kent
ow many years ncb? 13
Is it protected? yes
Car value? £2200
Whats the millage limitations? 6000
Any policy restrictions / benefits? legal cover
Fully comp / third party etc? Fully Comp
Penalty points? none
Declared mods?None

is that the same car ? or you just done it twice

chrissyboy · 20th October 2011, 16:31

Quote:

Originally Posted by chrissyboy

is that the same car ? or you just done it twice

dit i see it is 2 diffrent cars ,i knew i shoud of gone to spec savers instead of space savers

20th October 2011, 10:50	#54
Dantheman Avid contributor rover75 2003 2.5V6 Connoisseur Auto Join Date: Jun 2011 Location: Stockport, Cheshire Posts: 212 Thanks: 0 Thanked 28 Times in 12 Posts	What car are you insured on? 2003 2.5 Connie Auto What company are you insured with? Admiral Multicar (see below) What is your insurance costing you? £428 What age are you? 49 What gender are you? Male What country/area do you live? South Manchester How many years ncb? 15 (see note below) Is it protected? yes Car value? 2500 Whats the millage limitations? 6000 Any policy restrictions / benefits? Legal - wife named driver Fully comp / third party etc? Fully Comp £150 excess Penalty points? none Declared mods? none An interesting point I found reading through this thread were the quotes received by several young drivers. I have a 19yr old son, who only drives a Fiat Punto 1.2 - and the quotes are well over £1500. Would love to know the magic formula how young drivers on a Rover 75 get quoted so low. Decided to go with Admiral Multicar as what was important for me was the bottom line cost of insuring the Rover AND the Punto for my 19yr old (his renewal comes up next week). Listing my son as the main driver on the Punto (so no insurance fronting - a very dangerous game to play) with myself, my wife and my wife's brother as "occassional" drivers I got a quote of £428 for the Rover (myself and wife as named drivers) and a quote of "only" £635 for the Punto (11 months coverage) - equivalent to £692 annually. Punto is fully comp but with a high excess if my son is driving. So £492 + £692 = £1184 annual equivalent FOR BOTH CARS. The best price I was able to get for the Punto alone was £1450 !! And this was a £300 increase from last year - and touch wood, my son has had no points or accidents in his 2 years driving. So I am paying FOR BOTH CARS the same amount I was paying for just the Punto last year - so for me, Admiral is insuring my Rover virtually for free. RE: NCB - It has been pointed out that insurers only recognise up to 9 years. In fact I noticed on the renewal for the Rover from my previous insurer (AVIVA) it just states 5 years or more - even though I now have 15 years NCB. When doing the admiral multicar quote, the difference between entering say 9 years NCB vs 15 years NCB was about £60 less. I did note that anything over 15years, the quote remained the same. Admiral advised me that when I send in the proof of NCB (which will only show 5 years or more) they will accept this as proof of 15years provided, if needed, I could prove it. Fortunately, I have kept renewal paperwork going back to 2002 (where I had 7 years NCB) and would be able to prove it. But it does seem a very nasty trick by the insurers - I had noted for example, that I was with Hastings for 5 years (2002 - 2007) and each year it only shows 7 years NCB rather than adding 1 year each renewal - as Hastings Maximum discount is based on 7 years. It is useful to exchange quotes but so many factors go into deciding rates - about a mile from where I live there is a roundabout where a known gang was purposely stopping short at the roundabout to cause rear end collisions and claim compensation for injuries. As we know - if you hit someone from behind - you are at fault. It's pathetic - but that's how the insurers work. Well they caught the gang (after 2 years) - but our postcode is now considered a "high risk" zone - and our insurance rates have gone up due to this (among other reasons too no doubt). Last edited by Dantheman; 20th October 2011 at 11:02..

20th October 2011, 12:00	#55
Commodore Loves to post ex: Rover 75 2.0 V6 Club SE (2001 model on an 02 Plate). Now: MG Motor MG ZS Exclusive 1L Automatic Join Date: Nov 2006 Location: Ruislip Posts: 418 Thanks: 0 Thanked 0 Times in 0 Posts	First - my recently departed 75: What car are you insured on? - Rover 75 2.0V6 Club SE Saloon What company are you insured with? - MoreThan What is your insurance costing you? - £380 What age are you? - 34 What gender are you? - Male What country/area do you live? - West London (West Drayton, north side of Heathrow Airport) How many years ncb? - 10+ Is it protected? - Yes Car value? - £4,000 Whats the millage limitations? - No limitations, stated average of 15,000 a year Any policy restrictions / benefits? - Legal Cover included Fully comp / third party etc? - Fully Comp Penalty points? - None Declared mods? - None And now - the car I'm currently driving: What car are you insured on? - Citroen C4 5dr 1.6HDi VTR+ EGS (110hp) What company are you insured with? - MoreThan What is your insurance costing you? - £635 What age are you? - 34 What gender are you? - Male What country/area do you live? - West London (West Drayton, north side of Heathrow Airport) How many years ncb? - 10+ Is it protected? - Yes Car value? £8,000 Whats the millage limitations? - No limitations, stated average of 15,000 a year Any policy restrictions / benefits? - Legal cover included Fully comp / third party etc? - Fully Comp Penalty points? - None Declared mods? - None Suffice to say I was horrified when I discovered how much more it cost to insure the Citroen. Can't see me staying with MoreThan when the policy is due for renewal at the end of December. __________________ Chris Green (Commodore) http://www.chrisgreen.co.uk Owners Club Forum Member No. 21 Owners Club Member No. 86 http://www.the75andztclub.co.uk/foru...ine=1163024370 Gone but not forgotten....The Tank Rover 75 2.0 V6 Club SE (2001 model on an 02 Plate)

20th October 2011, 13:23	#56
chrissyboy This is my second home lovely little ford focus. Join Date: Jul 2009 Location: East Dulwich Posts: 7,877 Thanks: 2 Thanked 82 Times in 68 Posts	What car are you insured on? connie 1800 turbo What company are you insured with? saga What is your insurance costing you? £439 What age are you? 53 What gender are you? Male What country/area do you live? london se220js How many years ncb? the limit of 9 years but if they was to discount me for every year they would be paying me to insure with them Is it protected? yes, Car value? £3200 Whats the millage limitations? none Any policy restrictions / benefits none Fully comp / third party etc? Fully Comp Penalty points? None Declared mods?wheels ,stero,tints but no increase my insurance last yearwas £218 now £439 , gone up by 30% yeah alright if its more next year im getting a hoop and stick with a rover badge on it insurance claims has gone down by 30% accordding to article i read so why is it so high and how do they make 218 to 439 30% __________________ [ I'm really confused. -I keep dreaming I'm an insomniac

19th October 2011, 18:10	#51
ssizefive I really should get out more....... Mg Tf160 Join Date: Feb 2011 Location: Keighley Posts: 2,603 Thanks: 756 Thanked 749 Times in 366 Posts	What car are you insured on? Rover 75 Connoisseur 2.5 auto 99 T What company are you insured with? Octagon What is your insurance costing you? £440 What age are you? 41 ( well until Friday ) What gender are you? Male What country/area do you live? Keighley, West Yorkshire How many years ncb? 7 Is it protected? No Car value? £1500 Whats the millage limitations? 10000 Any policy restrictions / benefits? no Fully comp / third party etc? Fully comp Penalty points? none Declared mods? none I usually have to change insurers every year, this years renewal was around £800 as far as i can remember but after a lot of shopping round i found the above company who i have never heard of but i have insurance which is all i need. Steve

20th October 2011, 16:15	#57
David3807 Posted a thing or two 2002 R75 Conn SE 2.5l Auto Tourer, 2001 R75 Conn SE 2.5 Auto Saloon Join Date: Nov 2006 Location: Gravesend Posts: 1,897 Thanks: 0 Thanked 2 Times in 2 Posts	What car are you insured on? 2002 connie se tourer 2.5 auto What company are you insured with? admiral What is your insurance costing you? £245 What age are you? 65 What gender are you? male What country/area do you live? Gravesend, Kent How many years ncb? 13 Is it protected? yes Car value? £2500 Whats the millage limitations? 6000 Any policy restrictions / benefits? legal cover Fully comp / third party etc? Fully Comp Penalty points? none Declared mods?None

20th October 2011, 16:18	#58
David3807 Posted a thing or two 2002 R75 Conn SE 2.5l Auto Tourer, 2001 R75 Conn SE 2.5 Auto Saloon Join Date: Nov 2006 Location: Gravesend Posts: 1,897 Thanks: 0 Thanked 2 Times in 2 Posts	What car are you insured on? 2001 connie se 2.5 auto What company are you insured with? admiral What is your insurance costing you? £245 What age are you? 65 What gender are you? male What country/area do you live? Gravesend Kent ow many years ncb? 13 Is it protected? yes Car value? £2200 Whats the millage limitations? 6000 Any policy restrictions / benefits? legal cover Fully comp / third party etc? Fully Comp Penalty points? none Declared mods?None