blonde poker forum

Hi guys,

I'm going to need to buy a car pretty soon but have no idea what the insurance groups mean..have seen some nice cars but ..erm..they are in insurance group 18 (pretty high, eh?) does anyone have any idea what the average cost in this group is? Not looking for a solid figure but just a ball park one would do.

Can you not pick the average car, go onto an insurance website and enter the details with that car to check out the ballpark price?

yeah but those insurance donkeys (sorry Bandit) want all your details before they give you a quote..I don't want them to spam the life out of me so refuse to enter the thing...and I'm too lazy to make a fake adress and all that up.

Mate has a Civic type-r which is group 17, he pays £690 fully comp with 6 years no claims (living in a rural area mind)...

I've got a Group 20 car - £800 a year.  Cheaper in the wife's name.

Group 18 here with 10+ NCD

tad under £400

thanks guys..was sure M3boy would know, man I love Blonde as an info source :)

Kin how much are you saving by having it as the wife's car (I take it you are added driver?..does your wife still have her own car as well?..and what the hell are you driving that's a group 20? ABMW 735 and Jag xj6 are only group 18 :)

Also for cheaper Insurance - when you come to renew - CHANGE INSURERS!!

Agreed.  Or get a better quote and demand the existing insurers match or beat the better premium.

Always add an extra driver, don't know why but it drops the premium. Also checkout quidco.com for cashback on car insurance, got mine this year for £98 fully comp with £120 cashback from the Pru.

Donkey?  Bang goes your opportunity of saving money bawsac!

Seriously inputting a fake address doesnt work, its one of the main factors used when rating a policy.  If you opt out of marketing material they aren't allowed to spam you year after year. 

Doesn't always work.  Its depending on the market, insurance like anything can vary from year to year depending on the company and the losses/profits they made the year before.  For example the top 5 insurers in the UK last year took a bit of a beating after the floods, although this affected home insurance more than car it a general increase in premiums accross the board helped get this money back.   There weren't many companies who never increased their base rate.

Possibly not.  But if you stay with the same insurer they won't offer you the best premiums without provocation.

(Just going on my experience over the past 8 years).

Whats the deciding factor for people when buying a policy?

Is it cost? Reputation? Claims handling?  Policy features and benefits?

Sometimes you need to pay that little extra to make sure in the event of a claim your well looked after.  I'm not going to try and sell the mob I work for but generally we are pretty good in comparison to most other insurers. 

Ohh and some of the comparison sites aren't worth a feck!

I must admit me and the wife have stayed with a certain insurer because we have had a couple of claims both times repairs were carried out rapidly, courtesy car supplied. As a result  we believe we get a good service for our premium.

Although for my old clapped out run to work car i used to go for the cheapest possible quote just to keep it legal.

Why not? Are you saying people can't save time and money using them, ever?

Not saying they can't save time or money, there are a helluva lot of glitches in the transfer of data and they leave out some key information that when later disclosed can change premiums drastically.

If I was going to use one i'd use gocompare.com

I used one of these sites late last year.  After clicking the link to the site for the cheapest quote and going through the motions, the actual premium was about 70% higher than the comparison site had generated.

Well, I hope they're better with the quotes than they are with the way they pay their affiliates. 

I recently ran my details through Only group's comparison service (the one we now have on our site instead of gocompare), and when my insurance is renewed in April, it looks like I'll be saving over £100.  I guess that's age...

Grp 19 £1500 :(

Ouch James.

You need some NCD m8

2 words.

Tesco value.

 rotflmfao

Seriously, I have been with NFU for ages, i have never managed to beat their yearly quote...

lol tell me about it!

rookies is only group 9 and a tad over £2k for 10 months cover i believe.......ouch!

InsuranceTard

lol..

ouch @1500 and 2k, I am over 30 so that should safe me a bit of dosh..I'll get some quotes today and see how bad the damage is.

How many cars has he pranged?! Mine is group 8, in my first year it was £720 with no 'No claims', 3rd year now its about £500

Been with Esure for the last 3 years however when the letter arrives I always go online and do a search for the cheapest and Esure always seems to come up trumps but as a NEW customer I get a quote of apprx. 10% cheaper than the renewal quote. A couple of years ago I rang Esure spoke to a supervisor and was informed this is because they are looking to recruit new customers and offer better premiums, I gave him the saved quote number from my online search and renewed at the cheaper price over the telephone. Strange that the same company can give different quotes for new customers and existing customers. Also I discovered that it pays to get quotes on several different days since premiums also appear to change on a daily basis. My renewal quote came in the post yesterday, not due till the end of month so quite early for them to be sending out a quote by past years, was quoted a premium of £337.00. Did a supermarket/broker type search and once again Esure were the cheapest at £303.00, I've saved the quote and will do more searches over the next fortnight to see if it can be bettered. It's amazing that years ago before the tinternet we just seemed to accept whatever quote we got and didnt do our homework, goes to show how much we must have been ripped off in the past.

Boldie,

if you are looking to insure a jag which is more than 5 years old, then get yourself a membership to the jaguar enthusiasts club (about 40 quid), and then get a quote from footman james insurance. They will do newer jags on a classic type policy, which will be much cheaper.

Good grief, is "cheapest" the only criteria by which to book Car Insurance? Does "best" not count as a criteria any more, or do we say "it's cheapest, & therefore best"?

So we save £40, & then all get on our high horses when they offer poor service or some dodgy "small print" after we've had a prang?

with car insurance, I would say cheapest is pretty much the guiding factor.

most policies are much the same as the next one, since about 90% of the market is owned by about 4/5 major financial institutions.

AMEN ... I can testify to that

Fully comp on HASTINGS DIRECT ... not worth a carrot .. AVOID AVOID AVOID !!!

So if most policies end up being re-insured with the same few major Insurers, who all charge much the same, and one of the front end Insurers is offering "the same for less" does it not suggest that if we pay less, then we must be getting less?

Does no one remember Barlow-Clowes?

Ahh, but they are cheap, see?

Actually, they weren't that cheap! I've been stung by cheapie insurance in the past, and now by more expensive too!

What's the Weatherfield One got to do with it?  :dontask:

That's a good point also.  I'm a member of an owners club, and for £25 a year, I get more than that off my insurance!  Also, if you're in the owners club you can ask on their forum for advice and people will tell you their stories of who they've used and how they've faired with them - hence Laz's recommendation for Footman James (how posh are they?).

car insurance?  :dontask:

they do sound posh dont they :)

actually I think they act as the broker for a lot of the owners clubs.

we have our own way of dealing with car problems where we come from.

note in the first one the book being read........... ;)

YouTube: http://www.youtube.com/watch?v=Ee3L9BQQ4Gs

YouTube: http://www.youtube.com/watch?v=P9GGPqqJykE

YouTube: http://www.youtube.com/watch?v=7zt4ExqnTBI

YouTube: http://www.youtube.com/watch?v=PnVkvA-gm7k

YouTube: http://www.youtube.com/watch?v=PxGKeCZGFXQ

LMAO they are quality

:) good man!..I'll remember that.

pranged none yet but its brand new and he only been driving 6 months

hehe..no TK, even though i am a penny pincher I will go for a decent insurance..stil saving a few 100 makes a fair bit of difference.

Yup, it makes a difference if they get all difficult & arsey when you most need them!

And I guess nobody - Claw apart, who whooshed me - remembers Barlow-Clowes, which was the best example ever of folks chasing "unbelievably good" deals.....

I know of Barlow-Clowes - the Ombudsman was involved :)

Sure was, due to the incredible gullibility of the Barlow-Clowes Clients, &, of course, the fact that B-C was just a tad bent. But it had hundreds of thousands of Clients, because they made impossibly good offers, which the Clients were dumb enough to believe were possible. I would not have compensated them a penny-piece, it was the lethal combination of greed & gullibility, mixed in with rank stupidity.

Just a point on the "Classic car insurance"  Just watch out if you change vehicles and change insurers as you dont gain NCD on classic car policies.

£1800 - 10 months Fully Comp

ouch.

I have a BMW 540i (group 18) £285 pa fully comp (with Saga -- age has its compensations)

How mad is this

Insured Sarah's new car at Christmas.

Full time mum. No points ever. Full no claims. 6000 Miles pa

£326 Fully comp £250 excess

Add me  to insurance.  I work in the Motor trade.
Banned last year.
now have only 3 points.
Zero NCD.

£288

£38 cheaper

Regards

M


         

M..the quote I got for me driving a 3.2L Jag fully comped..with spouse and PNCD for her is lower than that...shocking as I also have no no claims (clean license though as I only just have it :)..fantastic for me :)