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 Is this quote really right?

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wozzainkent

wozzainkent

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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 15:24

Sounds about right.

I'll check with my wife when she gets home (she works for an insurance broker) and let you know.
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PhilK
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 15:56

Insurance never makes sense Emily!

When Andy changed his ONE for his current S, he said the change in insurance was negligible. Infact I think me and him pay similar on our S', and I'm almost 30 and him 21!
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Chris D
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 16:10

Make sure your check your excess , flower that can make a big difference to what you play. The higher ther excess the lower ther payment

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*Vikki*

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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 16:26

Best thing to do Emily is what I do and get some dummy quotes online via price comparison sites. So grab a Cooper S number plate, put in your details and it will tell you how much it would be now. Gives you a rough guide for the future.
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PhilT
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 16:32

It is worth noting that these sites record and remember every change you make.

Also, if you do use another Cooper S number plate, if it is on a car that has, say, been written off and repaired and put back on the road the system may know that. Some insurers won't touch write offs.
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Davyboy
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 18:09

Having been in the insurance industry for 25yrs it's still a mystery where or how some companies come by their premiums...........

Here's my input....

Check excesses, you most certainly will have a high compulsory one plus a voluntary one, nothing unusual to be £500+.......

Add either your mum or dad to the policy, having a older named driver will bring your premium down......

Try to limit your mileage, ie. you only do 7000pa then pay for that and not 10000pa....

Next one will be hard but mods will or could make a difference and ALWAYS declare, if you don't and involved in a accident you might not get paid out!.....

A Gen2 Cooper S could be cheaper to insure than a Gen1.....

Give me a shout if you have any other questions.....

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Andy
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 18:32

I'm 21 with insurance with admiral. On my 59 plate cooper s, £495

Fully Comp
8000 miles a year
Me, mum, dad, girlfriend
£350 excess
Pass plus and Advanced Driving

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Davyboy
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 18:35

That's really good Andy, is it a 10mth policy?

I'm 25 (and a bit Wink ) £300 for the JCW Very Happy and only £150 excess Smile

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Andy
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 18:40

No that's a 12 month policy. It was an extra £35 from my one to the S for 5 months. Insurance is due 1-04-2012 and getting quotes around the same figures. Forgot to mention also when I took that policy out I had 3 years NCB, now 4.
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paul d r56
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 20:04

[quote="Davyboy"]Having been in the insurance industry for 25yrs it's still a mystery where or how some companies come by their premiums...........


Add either your mum or dad to the policy, having a older named driver will bring your premium down......




Dave that made me chuckle, can i add you to my policy, they will be paying me to drive wont they... lol!
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Mini S Mad
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 20:06

Was paying just under £500 on chilli with all mods declared but I'm 27

@ 21 I was paying about £800 with £200 excess or £450 with £450 excess so as said ^^ check the excess

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Davyboy
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 20:19

[quote="paul d r56"]
Davyboy wrote:
Having been in the insurance industry for 25yrs it's still a mystery where or how some companies come by their premiums...........


Add either your mum or dad to the policy, having a older named driver will bring your premium down......




Dave that made me chuckle, can i add you to my policy, they will be paying me to drive wont they... lol!


No problems as used to your style of car...........

Is this quote really right? IMG_1115

lol! lol! lol!

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wozzainkent

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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 20:27

wozzainkent wrote:
Sounds about right.

I'll check with my wife when she gets home (she works for an insurance broker) and let you know.

If you are looking to cancel your current insurance, so you can take out a new 12 month policy, you need to find out if you need to pay any cancellation fees.

Your insurance company should be able to give you a quote on "todays" prices.
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Davyboy
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 21:21

Not sure when your renewal is but sometimes better to pay the difference for the remainer of the year to gain a extra years NCB Smile

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Moon

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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty21st March 2012, 23:52

My 18yr old brother pays £1,700 on an R56 S with the JCW kit having had a license 2 weeks, so I'd say thats probably a fair quote.

Adding our dad (50+ engineer) to both my policy or his actually puts it up!!! As a 20yr old female I'd say you're in the right region of prices. Once you're 20/21 it seems to drop a lot (mine dropped by about £1,000 and I'm only just over 21!)
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty23rd March 2012, 00:20

Have you tried an Admiral multicar policy? You'd still be able to keep your own no claims and be able to set your own excess, and that may save you money - brings mine down by about £100.

Admiral do seem to be a lot cheaper for me, although their excess is higher...
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PepperMini214

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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty23rd March 2012, 14:34

I'm 19, coming up 20 and I paid about £880 insurance with Admiral for my ONE and that's with a claim (which was not my fault! Mad ) but still have my NCB as I paid them back!.. Also, Dad was Additional driver 1 and Mum additional driver 2. Had my dad as a named driver then added my mum a year later which took an £100 off! When I put my mum as additional driver 1 and dad as 2, if worked out more expensive!!

When I was changing my policy, the man on the phone said there is no difference in price whether you be insured for SDP or SDP+C.. also think there was only a small increase of about 30p for change in annual mileage!

Insurance is very confusing, the way they come up with ridiculous quotes! You may find that just by changing things like where your car is parked overnight can make a change in price! .. I assumed that by parking my car on the drive would be cheaper than parking on a street but in fact it was the opposite! Laughing

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Andy
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PostSubject: Re: Is this quote really right?   Is this quote really right? Empty23rd March 2012, 14:37

PepperMini214 wrote:
I'm 19, coming up 20 and I paid about £880 insurance with Admiral for my ONE and that's with a claim (which was not my fault! Mad ) but still have my NCB as I paid them back!.. Also, Dad was Additional driver 1 and Mum additional driver 2. Had my dad as a named driver then added my mum a year later which took an £100 off! When I put my mum as additional driver 1 and dad as 2, if worked out more expensive!!

When I was changing my policy, the man on the phone said there is no difference in price whether you be insured for SDP or SDP+C.. also think there was only a small increase of about 30p for change in annual mileage!

Insurance is very confusing, the way they come up with ridiculous quotes! You may find that just by changing things like where your car is parked overnight can make a change in price! .. I assumed that by parking my car on the drive would be cheaper than parking on a street but in fact it was the opposite! Laughing


The reason on a street is sometime cheaper is because of the increase of people breaking into a house to steal keys. If the car is on a road it is harder for thieves to target specific houses/cars.
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