GT4EC - The GT-Four Enthusiasts Club
General Category => The Chill Out Room => Topic started by: silverspeed on October 02, 2010, 07:56:48 pm
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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...
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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 >:(
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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.! ;D
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.!!!!!
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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
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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.
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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 :)
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What's "limited" Jeff, if you dn't mind me asking.
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Managed to sort out multicar for the civic and mondi for 380.00 fully comp and only 150 excess this time round. Aviva.!
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:) 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 :)
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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...//??
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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
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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
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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.
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Not good!
What is market value?
Needtoinsure took both of mine at 3.5K.....