Insurance time

[sobrique]

Well, insurance time again.
Depressingly it seems I'm not going to be below £1000.
Almost certainly as a result of the loss of no-claim from an accident, but that's how it goes. Best quote so far is from Admiral at £1012 and some change.

Anyone got good insurance suggestions?

Comments

[albumlady.livejournal.com]

I'm over in America, but it sure sounds like insurance there is just as bad as ours is here! So sorry to hear that yours is just as insane!

[malal.livejournal.com]

Please, please, please tell me that's fully comp. If so, that starts to look vaguely the going rate, for your car / loss of no-claims.... If not, you're being ripped off horribly!

About the only thing to do is get hold of a list of various insurance places, and give them a ring round see what they quote you...

[sobrique.livejournal.com]

That _is_ FC. But since I'm 25 the difference between FC and TPFT is not an awful lot.

The real problem here, is that I wiped out my NCB when I had a prang...

[sobrique.livejournal.com]

Insurance companies are all a bunch of thieving gits.
The real difference being that you _have_ to be insured in the UK in order to drive...

[portilis.livejournal.com]

Yeah, it is quite worrying that your insurance is over double mine, as a 22yo driver on FC with 6 pts on my licence.

Then again, I guess that's the advantage of 5 yrs NCB with guaranteed NC.

[mrbear.livejournal.com]

Yeah, it's what? A £1000 fine plus points on your license for driving without insurance?

[mrbear.livejournal.com]

Anyone got good insurance suggestions?

Yup. Get a proper car, with a carbourettor and points that doesn't cost you road tax. Then join the owner's club for said car, then go to Footman James and get cheap classic car insurance. ;-)

Failing that, try Footman James anyway if you haven't, I've found them quite good.

[sobrique.livejournal.com]

If it were only the fine that was the risk, then it'd probably be worth it.

I mean, any claim I make is going to have to be over £600 for me to even think about making it, between loss of NCB again, and policy excess again.

(mutter, insurance crooks)

[jorune.livejournal.com]

That is seriously painful. I remember when I had an accident and lost my no claims bonus when I was 25ish in the mid 90's. It went up to £500 odd.

The shock comes from each successive year as the amount slightly decreased. 10% in Year 2 £450, 20% in Year 2 £400ish, you end up paying far more in the long run.

[sobrique.livejournal.com]

Yeah, well basically last year I ended up paying £600 or so. Which was vaguely inconvenient....

It really isn't getting any cheaper to be a driver.

[sobrique.livejournal.com]

Hmm, go find an Aston, drive that under classic insurance? Yeah, I like that idea...