Car Insurance???

[JingleBells]

Unless he's doing more than 20,000 a year buying a diesel will be a waste of money.

That and the Ford diesels are horrendously noisy IMO

 

[nath]

Have you tried these guys?
Cheap Car Insurance Quotes | Low No Claims Bonus | Bell Car Insurance

Car insurance | CIS Insurance now The Co-operative Insurance | Motor insurance

Both of them gave me very reasonable quotes in the past...

About 600 quid each which is the cheapest so far, but still not quite .

Careful on the ultra cheap insurance quotes. Some of them don't cover you for things like driving to and from place of work.

Yup, I don't commute but I do use the car for business - my current cheapo place (Admiral) do know about that though.

 

[Wazzerphuk]

Give Adrian Flux a try, they're normally very cheap. I pay about £250 TPF&T

 

[Ch3tan]

Give Adrian Flux a try, they're normally very cheap. I pay about £250 TPF&T

You are the lucky one, I tried them and they were LOL expensive, same with my cousin for his renewal.

 

[Pfy]

Pay £400/year for the me and the missus fully comp with no excess. I'm 28, she's 26.

It is just a little 02 plate corsa mind.

 

[nath]

Pay £400/year for the me and the missus fully comp with no excess. I'm 28, she's 26.

It is just a little 02 plate corsa mind.

Do you live in a community protected by the armed forces at all times and drive everywhere with a 1ft layer of polystyrene? No? Then how in spacks name is that possible??

 

[georgie]

I'd imagine that without her on the insurance it would probably be double that.

 

[Vae]

Do you live in a community protected by the armed forces at all times and drive everywhere with a 1ft layer of polystyrene? No? Then how in spacks name is that possible??

I paid £325 in January for myself (31) and my wife (30 and on a provisional licence) Fully Comp on an 02 Focus with Elephant. Been looking at insurance on newer cars recently and it would increase massively, mainly, I assume, due to large increase in the value of the new car vs the focus.

 

[Wazzerphuk]

You are the lucky one, I tried them and they were LOL expensive, same with my cousin for his renewal.

Loads of people I know are with them, perhaps it's the fact you live in scummy Croydon ffs.

 

[nath]

That's what's weird - my car is a P reg so worth sweet FA and I'm only going third party, that's what's so bewildering about this whole situation. I've yet to call any of these places and I expect I could get better quotes if I do but, y'know guh. Ballache :\.

 

[Pfy]

Do you live in a community protected by the armed forces at all times and drive everywhere with a 1ft layer of polystyrene? No? Then how in spacks name is that possible??

Hah. As Georgie says it's easierand cheaper to put it in her name and just have me on her insurance.

As for areas, when I lived in Thornton Heath it was £650, but it dropped £250 just by leaving that shit hole

That's also with only 2 years NCB (as someone went into our door and the claim went 50/50, stupid courts), sure it will change when the police send me back my nice new shiny 3 points, but I don't think they have to be declared until the renewal ...

Missus used to have a 2ltr Automatic Mondeo when she was 21 years old and TPFT cost her £900 which I think was also pretty reasonable.

 

[nath]

I don't think 3 points makes a drastic change to insurance costs, does it?

 

[MYstIC G]

As for areas, when I lived in Thornton Heath it was £650, but it dropped £250 just by leaving that shit hole

It varies within the heath / croydon shitloads as well.

Cost was 25% more at my mum's place (off road parking in a cul-de-sac) than it was at my new place (on road, right by selhurst school)... go figure?

 

[ST^]

What's your post code rated at on here?

Post Code ratings for Car Insurance

SE London SE
1-2, 4-8, 10-11, 13-19, 21-28 . . . . . . . . . F *

Well that explains my insurance quotes...

 

[nath]

"Refer = You need to speak to the car insurance company"

Guh, phone calls. Boring :\

 

[JingleBells]

What's your post code rated at on here?

Post Code ratings for Car Insurance



Well that explains my insurance quotes...

Fuck me, my Manchester postcode is rated Refer, my parent get a grade B for Kidderminster :|

 

[Pfy]

My new post code is an A, and my old postcode (CR7) is F.

Guess that shows why my insurance dropped 38% or so when moving.

 

[Wij]

The reason you'd get a diesel Ford is not for economy but performance. Ford petrols are superweak. I've got a Focus Mk1 ST170 and an '08 Mk2 1.8 TDCi. I've driven Mk1 1.6 and 1.8 petrols and they could just about keep up with my diesel from a standing start but put your foot down to overtake and NOTHING HAPPENS. FUCK ALL. My diesel overtakes quite happily thanks

Oh and the 1.8 petrol has almost no performance advantage over the 1.6.

Unless they bring out some new engines when the Mk3 comes out I would seriously avoid Ford petrols.

 

[Wazzerphuk]

I don't think 3 points makes a drastic change to insurance costs, does it?

Nope, I've got a 3 point SP30 on mine.

 

[old.user4556]

Unless they bring out some new engines when the Mk3 comes out I would seriously avoid Ford petrols.

Unless it's in a Caterham

 

[Bodhi]

My renewal has just gone down actually. My premium was £1200 quid last time round, now down to 890. This is for a 29 year old driving a BMW 328i with a recent drink driving ban.

Yours seems awfully high nath for your experience, I wonder if the car is a factor? Often old Fords cost higher than their insurance group because of how nicakble they are.

 

[Shagrat]

im paying about 550 a year for me and the missus fully comp in a 2ltr volvo (an old s40)

i am an old duffer though

 

[Ch3tan]

My new post code is an A, and my old postcode (CR7) is F.

Guess that shows why my insurance dropped 38% or so when moving.

You moving out probably explains why the hood is soo much nicer these days

 

[MYstIC G]

Give Adrian Flux a try, they're normally very cheap. I pay about £250 TPF&T

Cheers for this. They got me a deal that was half what Virgin wanted for my renewal.

 

[Scouse]

The reason you'd get a diesel Ford is not for economy but performance. Ford petrols are superweak. I've got a Focus Mk1 ST170 and an '08 Mk2 1.8 TDCi. I've driven Mk1 1.6 and 1.8 petrols and they could just about keep up with my diesel from a standing start but put your foot down to overtake and NOTHING HAPPENS. FUCK ALL. My diesel overtakes quite happily thanks

Jeesus Wij. Get better cars


I'm dreading my insurance this year. 9 spangly new points driving a very chavvy Civic Type-R.

3 more points and it's all over (I've got 3 more than I should have, never again will I avoid an accident when there's a possibility of getting caught by a bastard cam).

I've been thinking - if I received a ban yet still needed my car for work - I'd probably ignore the ban. Does this make me a massive c*nt?

I.E. Say you get 12 points and they ban you for a few months, but you need to get to work - would you ignore the ban and keep your job?

 

[Ch3tan]

It makes you a tit, because you'd also be invalidating your insurance by driving without a valid licence would you not? So yes, massive massive **** of the worst kind. Get a cab, cycle, train, beg a friend to help.

 

[Scouse]

I massive massive **** of the worst kind

Of the worst kind? I mean, more than the pope?

I understand that it'd invalidate insurance and all the potential guff that'd come from that. But look at this hypothetical situation:

Bob works 150 miles away from home on a 6 month contract. Said contract involves driving occasionally for work purposes. Public transport is NOT an option.

Bob receives a ban for doing 36mph in a 30, pushing him over the points limit.

Bob has two choices:

1) Lose job and all the possible connotations of that (family stress, mortgage payments, kids school fees etc)

2) Drive to work, slowly. Take short-term outside risk of being caught by rozzers. Take short-term outside risk of being involved in an accident. Keep job.


Now, I'm not saying I would do one or the other. TBH if I was in the situation myself I've no idea how I'd react. I'd like to say I'd choose 1 but it'd be a hard call.

I'm not violent, don't get caught up in robbings, fights, muggings etc. I don't defraud people, I'm honest, genial etc. etc. - and I'm hacked off that if the above happened to me I'd get severely punished. Whereas if the above happened to some scummy wanker he'd carry on driving anyway - and probably get away with it.


TBFH. The more I think about this the more I think we need to look at our driving penalties. A mate of mine picked up a ban when he was living in America - he was banned from driving socially but was allowed to drive his car for the purposes of work.

Why don't we have something similar in 'enlightened' Blighty eh?

 

[Ch3tan]

If you were caught you'd then gain a criminal record, lose your job anyway, and make getting another job that much harder.

 

[yaruar]

Of the worst kind? I mean, more than the pope?

I understand that it'd invalidate insurance and all the potential guff that'd come from that. But look at this hypothetical situation:

Bob works 150 miles away from home on a 6 month contract. Said contract involves driving occasionally for work purposes. Public transport is NOT an option.

Bob receives a ban for doing 36mph in a 30, pushing him over the points limit.

Bob has two choices:

1) Lose job and all the possible connotations of that (family stress, mortgage payments, kids school fees etc)

2) Drive to work, slowly. Take short-term outside risk of being caught by rozzers. Take short-term outside risk of being involved in an accident. Keep job.


Now, I'm not saying I would do one or the other. TBH if I was in the situation myself I've no idea how I'd react. I'd like to say I'd choose 1 but it'd be a hard call.

I'm not violent, don't get caught up in robbings, fights, muggings etc. I don't defraud people, I'm honest, genial etc. etc. - and I'm hacked off that if the above happened to me I'd get severely punished. Whereas if the above happened to some scummy wanker he'd carry on driving anyway - and probably get away with it.


TBFH. The more I think about this the more I think we need to look at our driving penalties. A mate of mine picked up a ban when he was living in America - he was banned from driving socially but was allowed to drive his car for the purposes of work.

Why don't we have something similar in 'enlightened' Blighty eh?

You can use employment as a reason for getting out of a ban, you need a friendly magistrate though. My mum did on at least one occasion. Caused a head on crash, entirely her fault, fortunately no one hurt although there could have been fatalities, but because she was a community midwife she was allowed to just keep her license and had to be very careful for a while... There are a few cases where hardship and work are mitigating circumstances.

 

[nath]

I'm not violent, don't get caught up in robbings, fights, muggings etc. I don't defraud people, I'm honest, genial etc. etc. - and I'm hacked off that if the above happened to me I'd get severely punished. Whereas if the above happened to some scummy wanker he'd carry on driving anyway - and probably get away with it.


TBFH. The more I think about this the more I think we need to look at our driving penalties. A mate of mine picked up a ban when he was living in America - he was banned from driving socially but was allowed to drive his car for the purposes of work.

Be realistic, how would a system like that work? How are they to discern the scumbags from the "honest, genial" types? Additionally, if you've get 12 points that's 4 times you've been stopped for speeding within 3 years, why should you be allowed to drive to work if you've shown over and over again that you speed?

Perhaps it would be better if you were caught by a traffic cop who can make decent assessment of the situation and decide that, while speeding, you weren't driving dangerously but shit - if you want that, become an economist and suggest a new budget.

I've got 3 points on my license myself, (although they expire in a month) so I'm not road-angel but it strikes me that if you *do* work your way up to a ban by accumulating 12 points within that 3 year window, tough bananas. After the first 3 times, perhaps it makes sense to slow down a bit, at least until the first 3 points expire.

And yes, driving without a license, thus driving without insurance makes you a massive wanker. Take the bus - driving a car isn't an inexorable human right and 4 strikes within 3 years isn't unreasonable.