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boldie
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« on: January 07, 2008, 07:02:58 PM » |
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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.
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Give a man a gun and he can rob a bank, give a man a bank and he can rob the world.
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Boba Fett
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« Reply #1 on: January 07, 2008, 07:05:12 PM » |
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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?
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Ya gotta crawl before ya ball!
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boldie
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« Reply #2 on: January 07, 2008, 07:07:11 PM » |
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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. |
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Give a man a gun and he can rob a bank, give a man a bank and he can rob the world.
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TheChipPrince
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« Reply #3 on: January 07, 2008, 07:08:36 PM » |
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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)...
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RIP- TheChipPrince - $17,165
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kinboshi
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« Reply #4 on: January 07, 2008, 07:21:09 PM » |
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I've got a Group 20 car - £800 a year. Cheaper in the wife's name.
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'The meme for blind faith secures its own perpetuation by the simple unconscious expedient of discouraging rational inquiry.'
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M3boy
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« Reply #5 on: January 07, 2008, 07:31:48 PM » |
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Group 18 here with 10+ NCD
tad under £400
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boldie
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« Reply #6 on: January 07, 2008, 07:41:08 PM » |
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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 |
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Give a man a gun and he can rob a bank, give a man a bank and he can rob the world.
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M3boy
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« Reply #7 on: January 07, 2008, 07:53:07 PM » |
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Also for cheaper Insurance - when you come to renew - CHANGE INSURERS!!
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kinboshi
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« Reply #8 on: January 07, 2008, 08:04:13 PM » |
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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. |
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'The meme for blind faith secures its own perpetuation by the simple unconscious expedient of discouraging rational inquiry.'
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reenot
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« Reply #9 on: January 07, 2008, 08:53:29 PM » |
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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.
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GlasgowBandit
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« Reply #10 on: January 07, 2008, 09:11:13 PM » |
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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. 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. |
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GlasgowBandit
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« Reply #11 on: January 07, 2008, 09:14:22 PM » |
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Also for cheaper Insurance - when you come to renew - CHANGE INSURERS!!
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. |
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kinboshi
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« Reply #12 on: January 07, 2008, 09:16:46 PM » |
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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).
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'The meme for blind faith secures its own perpetuation by the simple unconscious expedient of discouraging rational inquiry.'
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GlasgowBandit
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« Reply #13 on: January 07, 2008, 09:26:26 PM » |
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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!
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barhell
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« Reply #14 on: January 07, 2008, 09:32:28 PM » |
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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.
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