Calm Chris Posted January 14, 2013 Report Share Posted January 14, 2013 I knew that the insurance on cars was always male loaded, and I'm also aware that recently the balance was readdressed- I think from the 1st January female insurance premiums went up. Nice surprise when the annual renewal came through today, a drop of £190 down to £465 for the 120d fully comp. For on street, London that has made me happy. Link to comment Share on other sites More sharing options...
Cuprabob Posted January 14, 2013 Report Share Posted January 14, 2013 Quite a lot of people seem to be saying that they are getting better premiums this year than last. Some even commenting that quotes done in January are cheaper than those done in December. Link to comment Share on other sites More sharing options...
Andrew Posted January 14, 2013 Report Share Posted January 14, 2013 One thing I do know about my renewal in May is that I'll be thinking twice about not just going for the cheapest. Spent an extra £250 last year on a supposedly reputable company for the M3 and LCR only for them to ring me up a month later and charge me another £100 for some of the 'modifications' on the M3. Modifications like the 19 inch factory wheels and the upgraded speakers. Link to comment Share on other sites More sharing options...
Calm Chris Posted January 14, 2013 Author Report Share Posted January 14, 2013 Insurance companies do seem to be tightening their ar5ehols. Claim rejection levels are up (from what I've read and talked to a few people about) across the board. Failing to declare or having a caveat to bump prices seems to give them an impunity, to do as they will / want attitude. Link to comment Share on other sites More sharing options...
cruiser647 Posted January 14, 2013 Report Share Posted January 14, 2013 Our premium has gone up!!! Out went the A6 Avant (wife's car) in came the A3 FSI and to cover up until June, they wanted £17 more! I was expecting a drop. Link to comment Share on other sites More sharing options...
Merlot Posted January 15, 2013 Report Share Posted January 15, 2013 Insurers are very inconsistent as to what a modification is but surely something fitted at the factory off the options list cannot be seen as a modification? Link to comment Share on other sites More sharing options...
stooH Posted January 16, 2013 Report Share Posted January 16, 2013 I had to do the insurance for our 3 cars at the start of January, the multicar premium from Admiral went up by about £100 to around £1k. So I went and had a look online for individual policies and got them all from 3 different places (all reputable names) for £650 with an additional £110 cash back so it was just shy of half of what I was originally quoted. The Arosa and Freelander were slightly cheaper each, the biggest surprise was the 1 series, despite being a lower insurance rating that the GTI the insurance with Admiral went up by over £100 and was about £550! loads of places were offering it for sub £300, massive massive difference that the guy from Admiral couldn't explain. Link to comment Share on other sites More sharing options...
Chick Posted January 16, 2013 Report Share Posted January 16, 2013 I found Admiral very uncompetitive in our second year .... phoned round a few companies for quotes and halved the premiums for both cars. Think they due again either next month or March so will be interesting to see what happens this time round, as have heard its gone up for us females ! Link to comment Share on other sites More sharing options...
stooH Posted January 17, 2013 Report Share Posted January 17, 2013 We've been with Admiral for 3 years and checked each year and they've been competitive, it was just this year and just with my car that we had an issue this year, very peculiar. Link to comment Share on other sites More sharing options...
Andrew Posted January 17, 2013 Report Share Posted January 17, 2013 Insurers are very inconsistent as to what a modification is but surely something fitted at the factory off the options list cannot be seen as a modification? Exactly what I thought but the little feckers even went as far as saying the high gloss trim was a mod and upped the premium. This was Admiral in the second year of multicar - I'll not be using them again (unless of course they come up with a great deal). Link to comment Share on other sites More sharing options...
stooH Posted January 17, 2013 Report Share Posted January 17, 2013 When I was going through it all they were very specific in the wording that it was modification carried out after manufacture and not factory fitted options. Whether that includes dealer fitted mods before collection (not sure if there are many of those that happen these days) or not i'm not sure. Link to comment Share on other sites More sharing options...
Chick Posted January 17, 2013 Report Share Posted January 17, 2013 well, the post has just arrived with both car insurance renewals ...... Biscuits has a minimal increase whereas mine has virtually doubled from last years premium!! Think I will have to phone around :mad: Link to comment Share on other sites More sharing options...
Calm Chris Posted January 17, 2013 Author Report Share Posted January 17, 2013 I've just had the paperwork through from the existing insure- Bell want £785, AXA want £450, Swinton and a host of others run in £460-£500. I had though the mail via Confused was re insuring with Bell, how silly I was to think that! Arent Bell, Admiral and Elephant all the same Cardiff based Co? Link to comment Share on other sites More sharing options...
Booster Posted January 17, 2013 Report Share Posted January 17, 2013 If any of you run your own company and can stick your cars on a mini-fleet policy, LV do a policy whereby each car on the fleet costs £500 plus a small brokerage fee (it is a broker only deal). That is £500 per car no matter what it is!!!! Only stipulation is that anything valued over £40k has to have a tracker and no driver can have more than six points at the policy inception (working from memory on the points). Link to comment Share on other sites More sharing options...
Biscuits Posted January 17, 2013 Report Share Posted January 17, 2013 If any of you run your own company and can stick your cars on a mini-fleet policy, LV do a policy whereby each car on the fleet costs £500 plus a small brokerage fee (it is a broker only deal). That is £500 per car no matter what it is!!!! Only stipulation is that anything valued over £40k has to have a tracker and no driver can have more than six points at the policy inception (working from memory on the points). Oh I wish I had known about that a few weeks ago, sounds like our mini-fleet policy from Zurich is fleecing us!!! Link to comment Share on other sites More sharing options...
Booster Posted January 17, 2013 Report Share Posted January 17, 2013 I can send you over the details if you want. Link to comment Share on other sites More sharing options...
Calm Chris Posted January 30, 2013 Author Report Share Posted January 30, 2013 £365 from AXA for protected ncd (11 years), 6 points on licence Audi A4 S Line Special Edition Fsi T Quattro 2006 1984cc Five Door Estate Manual Petrol Link to comment Share on other sites More sharing options...
Tipex Posted January 30, 2013 Report Share Posted January 30, 2013 Audi A4 S Line Special Edition Fsi T Quattro Is that the longest model designation ever! Any manufacturer would be doing well to beat that! Link to comment Share on other sites More sharing options...
Cuprabob Posted January 30, 2013 Report Share Posted January 30, 2013 Although you have 11 years NCD you will find the majority of insurance companies max out at 5 years, so anything more is irrelevant. Should the situation occur and hou lose 2 years NCD, they will take you back to 3 years not 9 years. NCD and protected NCD is just a big con, IMO. All that matters is level of cover and final price. Also your protected NCD doesn't help if you move insurance companies as you have to declare the claim anyway. Link to comment Share on other sites More sharing options...
Calm Chris Posted January 30, 2013 Author Report Share Posted January 30, 2013 (edited) Some insurers add in DTM (when you pump in the reg number), but I don't understand that, because it isn't. i don't really understand why last year the 120d was £650, she's insured that this week for £400 and having bought the Audi I was working on about £600 so I'm well chuffed. Excess is £200 / £200 and it includes business use. I know the protected bit doesn't do much. Four years ago the BMW was bumped when parked £1500 of work and the premiums went up. They do suggest the protection allows for 3 claims in two years before loss of NCD, so they don't take away the NCD they just top up the premium! Its a con, but... As for no insurer giving more than 5 years NCD, well I'm not so sure. If I put in 5 years NCD on the quote the figures come out higher, so putting in 11 years, must add more discount because the quotes don't lie- or do they? Edited January 30, 2013 by Chri5 Link to comment Share on other sites More sharing options...
Ian_C Posted January 30, 2013 Report Share Posted January 30, 2013 Audi A4 S Line Special Edition Fsi T Quattro 2006 1984cc Five Door Estate Manual Petrol Ahhhhhhhhhhhh Link to comment Share on other sites More sharing options...
Milo Posted January 30, 2013 Report Share Posted January 30, 2013 (edited) £365 from AXA for protected ncd (11 years), 6 points on licence Audi A4 S Line Special Edition Fsi T Quattro 2006 1984cc Five Door Estate Manual Petrol That's good going, last year I paid £327 for it, no points, no claims (in 24 years of driving) and the car garaged at night On a similar happy note, 2013 (13) S5 Black Edition Coupe, full NCB, protected NCB, Class 1 Business Use = £349 courtesy of esure. Kerrrrching :crackpipe: edit - that was with a £500 excess (£350 + £150) rather than the standard £600. Compulsory excesses are getting ridiculously high. Edited January 30, 2013 by Milo Link to comment Share on other sites More sharing options...
Calm Chris Posted January 30, 2013 Author Report Share Posted January 30, 2013 Ahhhhhhhhhhhh You will need to amend your database Link to comment Share on other sites More sharing options...
stooH Posted January 31, 2013 Report Share Posted January 31, 2013 edit - that was with a £500 excess (£350 + £150) rather than the standard £600. Compulsory excesses are getting ridiculously high. Think mine was only 250 and 150 of that was voluntary. A lot I was looking at were only 100 or 150 excess. Link to comment Share on other sites More sharing options...
Andrew Posted January 31, 2013 Report Share Posted January 31, 2013 I had a quick peak at some likely premiums and it seems I'll get both cars insured for under £800. M3 is cheaper than the vaguely modifed LCR! Quite steep excess on the M3 though - all voluntary (about £1k - I reasoned that any claim under £1k I'd probably not claim for). Link to comment Share on other sites More sharing options...
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