Insurance:
Told them that £1500 was price to get close to
Express Insurance 0870 0700071
3.5K
Thames City 08705 133 360
Not Close
DNA Insurance 0870 7871215
£2k
Adrian Flux 08700 777888
No where near (If i hadn't had 10 month bonus accel £1100)
Maynard Milton 0870 8709713
no where near
HIC Insurance 01279 719932
£2.4k
Bell Direct 0800 140 180 (can use 10 month)
£Over 2K
Endsleigh
£7000!!!
Privelege 0845 246 0297
£Can't be bothered
BHP Insurance 08707 57 69 69
£3.5k
Auto Torque 0161 278 5226
£Not Close
S Insurance Services 020 8311 4488
£call back JUST b4 renewal, valid for call only
Premium Choice Insurance 0870 770 0136
£2.5k
Tett Hamilton 01275 792270
Need to be 23
Insurance Factory 0870 777 8181
£2.5k
Basildon 0800 652 3963
Not Close
Atlas 01483 454700 Atlas
£2.5k
Liverpool Victoria 0800 514 514
Need to be 21
Elephant 0870 040 3377 (renewals number) (10 Month)
£1290
holy crap that is shocking ... how old etc are you?!?! I am 21 with 4 years ncb and my insurance is only 900 sovs through directline!
Addmittedly I have no mods to declare.
I am 20.
Living in LOWEST crime rated area.
Accident in December 2002
1 Year NCB altho some refuse to accept it as was a 10 month "Bonus Accelorator"
No mods as the car came with the TTE etc
Quote from: "bigun007"I am 20.
I was only 23 when I got my 2 (though 22 when I was getting insurance quotes). The biggest quote was £8700 from Tesco, but I managed to get one for around £600 from Admiral. At the time I had three years no claims and everything else was clean.
Quote from: "bigun007"Accident in December 2002
That's a bit of a problem.
Quote from: "bigun007"1 Year NCB altho some refuse to accept it as was a 10 month "Bonus Accelorator"
Check the small print on your policy for the 10 month bonus. AFAIA you pay for 10 months and effectively get 12. It is the quickest was to get your full NCB. So you have a full years no claims, that's all they need to know.
Quote from: "bigun007"No mods as the car came with the TTE etc
s:roll: :roll: s:roll: Then you do have mods. A lot of peoples 2's came with leather seats, locking wheel nuts and air con. All of these are mods. All of these must be declaired.
A mod is anything which the bog standard 2 didn't come with. It's not "have
you modified it", it's "has
the car been modified". These include optional extras.
Quote from: "Peter Laborne"Then you do have mods. A lot of peoples 2's came with leather seats, locking wheel nuts and air con. All of these are mods. All of these must be declaired.
A mod is anything which the bog standard 2 didn't come with. It's not "have you modified it", it's "has the car been modified". These include optional extras.
Oh.....weird, i was always told that they don't count as the car comes with them from the factory/dealer
Try Toyota Insurance, they were the best for me by £500!
Think about it. Lets say that your 2 goes up in a big ball of flames. You claim on your insurance. The insurance company's information (that you gave them) tell them that there are no mods on your car. They can only then presume that your 2 was 100% bog standard, and that is what they will pay out for.
Anything that isn't 100% bog standard is a modification, and, as I said earlier, this includes optional extras.
Also, it is worth bearing in mind that some standard features can help lower your quote. Take the locking wheel nuts for example. Some insurance companies will actually lower your premium if you declare this as a mod.
Toyota Insurance:
£2628
Oh and the car has a tracker
Quote from: "bigun007"Quote from: "Peter Laborne"Then you do have mods. A lot of peoples 2's came with leather seats, locking wheel nuts and air con. All of these are mods. All of these must be declaired.
A mod is anything which the bog standard 2 didn't come with. It's not "have you modified it", it's "has the car been modified". These include optional extras.
Oh.....weird, i was always told that they don't count as the car comes with them from the factory/dealer
I'd definitely tell them about the exhaust, though probably not about the leather. Its like Peter said its the car they base the premium on, and they base that on a standard car. If you can you may as well tell them about everything, most companies won't charge for little bits and pieces.
By the way I pay £950 with Tesco, and i'm 23 now. And I have 6 points s:oops: :oops: s:oops: the TTE exhaust, £2,000 stereo equipment & misc. I have full & protected NCB
Just called and told them about the exhaust.
Cheers Pete
Try going here ...
m http://www.autotrader.co.uk/CARS/motori ... p=motoring (http://www.autotrader.co.uk/CARS/motoring/ins/insurance-centre.jsp?l=mb&p=motoring) m
Put your info in and it'll give you a list of companies and how much etc!
im 19 and have to pay £1700! though i dont have any NCB. Elephant were the cheapest by far.
I thought I had it bad paying over £600 !!
I dont know, you kiddies s:wink: :wink: s:wink: s:lol: :lol: s:lol:
Quote from: "perry190"I thought I had it bad paying over £600 !!
I dont know, you kiddies s:wink: :wink: s:wink: s:lol: :lol: s:lol:
Me too - just renewing mine today (if i can be bothered with the hassle today) and its going to be around £550 which aint too bad.
Mine's a bit more steep than £600, but I've little NCB and had a big prang not too long ago. Mines with Zurich and is around £900. I didn't get a better quote of anyone when it came to renew.
Just changed mine to Highway via Adrian Flux and it was £450 with mods declared.
I just wonder whether Bigun should have somebody else (parent?) as the policyholder and then him as a named driver, would it make much difference? Then build up the no claims as the main driver when your older.
Apparently that's a BIG no no s:( :( s:(
Companies don't have to pay out if they think you are more than an "Occasional Driver".
Also as the car is registered in my name it might look a little dodgy?
adding older drivers as second drivers often helps, even if they never use it. The fact that they can means thats less time you may driving it.
try mom or dad. worked for me in the past.
Here bigun007,
can i suggest a change in car perhaps a nice Fiesta, would be a lot cheaper s:twisted: :twisted: s:twisted:
Cheers Mark.....will try that.
Kanujunkie......why would i want a fezza?
Thought you'd know that from when you met me at boxhill s:evil: :evil: s:evil:
Adding my mum cut about £500 off my quotes for a '2.
Adding my dad aswell put £100 onto the premium (so £400 saved instead of £500). On other cars adding him also reduced it so might be worth a try.
Probably worth getting quotes online instead of ringing up as lots of insurers give discounts for this.
My mate (who's about 28 ) added his mum to his insurance and she brought the cost down for him aswell (he has a rover 200). She doesn't even have a driving license - it's crazy.
Quote from: "Tomr2"im 19 and have to pay £1700! though i dont have any NCB. Elephant were the cheapest by far.
I agree, im 26, 1yr NCB, Exhaust, Filter, Bodykit, and was quoted £1500 by Norich Union, £1300 (without mods) by Asda and Tesco.. Elephant offered £750!
I snapped their arm off! That includes all mods too! s:D :D s:D
I've said it before, but I'll say it again.
the likes of elephant will allow mods for a premium, but don't actually cover the value of them. i.e if you right it off you won't get the value of te mods back.
If you happy with that fine, but be aware of it.
Quote from: "markiii"the likes of elephant will allow mods for a premium, but don't actually cover the value of them. i.e if you right it off you won't get the value of te mods back
Note that applies to
almost all insurers; only very specialist policies, usually obtained via knowledgable brokers, will actually cover mods value (and other non-standard benefits, eg pre-agreed valuations, for particularly special cars).
not something they make clear though unless you ask.
teh assumption is if your paying for it it's covered.
My Chaucer policy through DIG covers all mods direct replacement part for part, so a good option if you have spent a fair bit of dosh on your mota
From the amount of PM's I keep getting about mods, ie how to and where from, I think there will be a fair few modded cars on here soon so could be useful.
Its a shame they feel they have to PM these questions rather than post publicly? I've had to empty my in/outbox 4/5 times and I've only been here 5 mins (its a pain)
But dont worry guys I'll keep answering the questions if I can and one day you'll all feel brave enough to come out of the closet....hopefully.