OMG Car insurance ...!!

markmarkymark · 22-05-2005, 18:09

Greetings ....

I am 34
I have been driving since 18
I have never had an accident (touch wood)
No convictions (touch wood)
I had insurance for years - up to 60% bonus....

Then we went down to one car ....

I now drive our main car - a WRX - on my wife's insurance. ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£900 a year which is madness but it is a group 20 car.....

Anyway, after some years as a one car family I am running my own consultancy so I need my own car. I go for something sensible - a Ford Focus 1.8 diesel - 1 year old ....

I have had no insurance for 5 years ... therefore ZERO NBC

Best quote on line so far is ...........................ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£500 WTF?!!!!!!

Does no one take into account a good driving record these days???

grrrr

Mark

Raistlin · 22-05-2005, 18:12

You may technically have a good driving record but, without a renewal certificate showing your NCB, you have no way of proving it.

Try talking to the company that your WRX is insured with, they will have a record of you having been on the policy as a named driver, they may be able to give you some discount on the basis that you have not been responsible for a claim against that policy.

22-05-2005, 18:16

Quote:

Originally Posted by markmarkymark

Greetings ....

I am 34
I have been driving since 18
I have never had an accident (touch wood)
No convictions (touch wood)
I had insurance for years - up to 60% bonus....

Then we went down to one car ....

I now drive our main car - a WRX - on my wife's insurance. ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£900 a year which is madness but it is a group 20 car.....

Anyway, after some years as a one car family I am running my own consultancy so I need my own car. I go for something sensible - a Ford Focus 1.8 diesel - 1 year old ....

I have had no insurance for 5 years ... therefore ZERO NBC

Best quote on line so far is ...........................ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£500 WTF?!!!!!!

Does no one take into account a good driving record these days???

grrrr

Mark

After 5 years you will be classed as a new driver.
its tough **** I'm afraid, it happens to most people when they have an absense from driving.
You could never have had an accident in 20 or 30 years but they dont care, its what risk you are to them now not in the past.

Yeah insurance is ridiculous right now, but cheaper insurance is available.

I have a 1.8 16v T reg Vauxhall Vectra, I live in Teesside, I'm 28 years old, I have 60% no claims and I pay just under ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£300 fully comp for me and my 31 year old partner to be insured on the car, I do 12-14K miles a year, and my excess is ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£125.
I could protect my NCD for a little extra but so far I havent yet.

I am insured through Churchill

Oh yeah and a clean licence

Jules · 22-05-2005, 18:54

Don't talk to me about car insurance grrrrrr

A good site to try is confused.com put your details in once and they do the leg work for you

Janusian · 22-05-2005, 19:26

Try a broker, (and not some online auto-shop thing, I mean one where you talk to an Insurance professional) - they will have contacts in the market who can make an informed underwriting decision, not just what there computer tells them. Where do you live, I may be able to give you some pointers if you are south-east?

punky · 22-05-2005, 19:47

Quote:

Originally Posted by markmarkymark

Does no one take into account a good driving record these days???

You don't earn no claims bonuses if you aren't the primary named driver on the policy, regardless of how good you drive.

Like TW2001 said, the are only bothered with the last 5 years as well.

Chimaera · 22-05-2005, 19:49

I tried aquote.co.uk - it's like Confused.com - and I got some good quotes from there.

markmarkymark · 22-05-2005, 22:34

thanks for all comments folks....

Well well well this is interesting ...

I have tried all sorts of quotes - with me only (no other driver) as I thought that it would keep cost down. Well, for the hell of it I added my wife as a named driver - in every case the quote has dropped between 100-150 a year !! Seems that adding your wife lowers the risk by some margin!!!!

Mark

greencreeper · 22-05-2005, 23:47

Endsleigh is cheap - though the website is a bit hit and miss. Maybe pass your advanced driving test?

Shaun · 22-05-2005, 23:55

Try www.confused.com, I found it great when I was getting quotes for my granddad.

Steve H · 23-05-2005, 00:30

Beat 1110 on a carp escort

**Graham M** · 23-05-2005, 00:40

Quote:

Beat 1110 on a carp escort

Sounds kind of fishy?

Steve H · 23-05-2005, 01:10

Quote:

Originally Posted by Zeph

Sounds kind of fishy?

Nikko · 23-05-2005, 01:45

Quote:

Originally Posted by Steve H

A dodgy Perchase for sure

ZrByte · 23-05-2005, 01:45

Quote:

Originally Posted by Steve H

Beat 1110 on a carp escort

I agree, I think we should all beat you for driving an escort at 18

why didnt you get something smaller? I know an escort isnt big but I pay ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£740 for my corsa and Im pretty sure im in the same risk/experience bracket as yourself (thats nearly ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£400 cheaper).