Car Insurance..

[silverspeed]

Any of you guys found car insurance a risen stupidly over the last year..?  For instance.. just had my renewal through for the mondeo (Diesel).. Last year i was paying £231.00 fully comp with More Than which came with all the little extras.. For the same insurance this year with the same company ect... £581.00     So i had a quick poke around on price comparison sites and that seems to be a good price.!!!!!!   WTF    I only pay £244 all mods listed for the gt4!   I just can't get me head round the price increases... 

[cunning stunt]

my insurance for the 206 was £70 dearer then for the 4 couldn't  bellive it,
its not good we are being stung for the actions of others 

[silverspeed]

 really pees me off.!   i might have to swap the engine for a chevy lump and drop two turbo's on it.. be cheaper then.!  

Have you noticed the voluntary and compulsary excess...? (Taken from bell insurance )

Age of the driver in charge
at time of the accident Your excess
Compulsory  Voluntary  Total
 
Less than 21 years £350 + £350 = £700
 
Age 21 - 24 £250 + £350 = £600
 
Over 25 with a full UK licence for at least 1 year £100 + £350 = £450
 
Over 25 with a provisional UK licence or a full UK licence for less than 1 year £250 + £350 = £600

so basically unless you right your car off.. you might aswell not claim and just fix it yourself.!!!!!
 

[ChrisW]

I pointed out to Sky that Directline were way cheaper so they price-matched it, no questions.
However, you are right, there is a continuing trend of increases for the humble motorist. Sadly, this has several reasons:

Uninsured drivers
MIB contributions from insurers to create a 'pot' for those hit by uninsured drivers(I found this out yesterday after being involved in a collision)
Investment return deficits

[Coyoteboy]

Yep, it's a fecking joke. I'm nearly 4 years older with 4 years more NCB and a car that's 4 years older and less valuable and my old Four insurer were asking nearly 150 quid more than the last time I insured with them. They then asked me to call back in case they could get me a better deal - quite frankly if they're not willing to offer me the best deal they have straight out I'm not willing to put my ££ in them. I think I'll be insuring my Four TPFT in future, if it works out cheaper of course. I've been looking at road rally insurance but it requires MSA logbooks and licenses.

[Jeff]

Been a while since the last post but thought I'd let you know that I am going with needtoinsure this year as the have given me a classic policy for both cars. They are on limited miles and mods declared at £330 for both

[Coyoteboy]

What's "limited" Jeff, if you dn't mind me asking.

[silverspeed]

Managed to sort out multicar for the civic and mondi for 380.00 fully comp and only 150 excess this time round. Aviva.!

[Jeff]

I only did just over a thousand on each last year so I went for 1500.
Ex is only £150 and I get free breakdown cover too!!!
I was with Aviva but they wanted £380 this year (up from £330), Admiral had done them for about the same two year back. My age and no claims have a lot to do with it

[Jeff]

Bump to ask if anyone knows who or where I can get written confirmation of an 'agreed' value... I have been asked for a club official or a specialist/vehicle restorer to confirm the value of both 4's??
Then again.... what value??? I wouldn't sell for less than £3.5k each...//??

[martyn_pryor]

Who are you insured with Jeff ?

Just read, club official you say........ Maybe Cee or Chris, even though he is not chairman, I think they should accept he comments and valuations, but dont quote me on it. I only came up with Chris or Cee as they are in your neck of the woods.

I would also advise taking loads of pictures of the cars, and I'm talking pictures everywhere. This could only reinforce your claim of agreed value.

Hopefully that will help

Martyn

[Jeff]

Cheers Martyn, I've had a crack with Chris thanks.
I eventually cobbled together various posts on a number of clubs and have sent that off to 'needtoinsure' Fingers X'd

[Coyoteboy]

I had an agreed value of 2.5K on the 185 with Sky but later they mentioned it wasn't guaranteed, and their prices started to drift upward faster than competitors so I left them and now insure it TPFT for market value, when I do.

[Jeff]

Not good!
What is market value?
Needtoinsure took both of mine at 3.5K.....