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+--- Thread: Insurance Costs (/showthread.php?tid=2109)
Insurance Costs - sheppy1 - 29:th-Jan-2016
Hi All,
I know some may not want to answer this but for those who do...how much do you pay for your insurance?
I currently pay £89 a month and this years best quote is coming back at £64 a month...which is decent i feel! But as I don't know how much others pay who have modded their cars I have nothing to go on for a comparison! Ha.
Cheers
RE: Insurance Costs - Bloopeta - 29:th-Jan-2016
Doesnt seem to bad that mate, not in this day n age. Obviously it depends on your no claims, any points, your postcode, your age and years of experience. I think thats a reasonable price tbf
RE: Insurance Costs - sheppy1 - 29:th-Jan-2016
Yeah defo agree mate, loads of variables but yeah...with it having all the mods it has, me only having 2 years NCB etc. I think it's decent!
cheapest I will have ever had insurance anyway
RE: Insurance Costs - tucpal - 29:th-Jan-2016
£310 a year for me and missus both fully comp
RE: Insurance Costs - sheppy1 - 29:th-Jan-2016
Holy crap... Then again you're an old man with a grandad car aren't ya [WINKING FACE] hehe. Only joking mate [SMILING FACE WITH SMILING EYES]
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RE: Insurance Costs - Bloopeta - 29:th-Jan-2016
My last renewal I was paying 62 a month, but I was 32, 7 years no claims, licence since 2002, and that was a 2008 C220 AMG sport.
My mrs is currently paying 69 a month, shes 20, 0 no claims, thats on 2006 320i SE
Its hard to compare against anyone elses, as said, there are alot of variables to take into account, but I think yours is a decent price, and if its a big saving from last year, its a winner
RE: Insurance Costs - sheppy1 - 29:th-Jan-2016
Yeah I know what you mean mate, was just after rough figures ya see as to what people paid based on other years and others on the forum...But that's helped and thanks for the comments
Insurance sites are highly volatile though! That was admiral offering me 64 a month, I refreshed the quote and now they refuse to insure me but diamond WILL insure me for a quid more a month...robbing gits! they're all the same people! haha
RE: Insurance Costs - Bloopeta - 29:th-Jan-2016
I always use confused.com, but as ya say, I can run a quote at 10am, run exact same details at 3pm n get completely different figures ha
Insurance Costs - Tonto - 29:th-Jan-2016
I paid £61 a month before mods then it went to £62 a month. 7 years ncb and went from a 1.0 Corsa to 2.0cdti Astra
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RE: Insurance Costs - Bloopeta - 29:th-Jan-2016
I was talking to a lass on AOC yesterday about insurance, shes got a 1.4 astra J, and was paying 1500 and shes 18, I thought that was a damn good price me! She was saying shes from Northern Ireland, and over there, ya get free insurance when your over 21 if you drive a 1.0, or 1.2!! Dont know how true it is, but if it is true thats mint!!
RE: Insurance Costs - sheppy1 - 29:th-Jan-2016
(29:th-Jan-2016, 12:16:56)Bloopeta Wrote: I was talking to a lass on AOC yesterday about insurance, shes got a 1.4 astra J, and was paying 1500 and shes 18, I thought that was a damn good price me! She was saying shes from Northern Ireland, and over there, ya get free insurance when your over 21 if you drive a 1.0, or 1.2!! Dont know how true it is, but if it is true thats mint!!
That is bloody good if it's true! I was paying £2400 a year on a 1.1 litre £3000 pug when I was 18!!!! Ha.
just did another refresh and it went down to £62 a month...I'm buying it now before it changes again!
RE: Insurance Costs - tucpal - 29:th-Jan-2016
It takes sum Time but it will drop when you get older like me ha ha and I think northern Ireland has the highest insurance area in the UK also i feel real sorry for younger drivers as prices are now ridicules even when I was 18 I never payed more than £600 I will get it soon thou as my daughter what's driving lessons this year haha [SMILING FACE WITH SMILING EYES]
Insurance Costs - Tonto - 29:th-Jan-2016
When I passed I was 19 and had a 12 year old 1.0 Corsa sting... Cost me £258 deposit and £116 a month... So roughly £1534 for first year lol.
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RE: Insurance Costs - Bloopeta - 29:th-Jan-2016
Most ive ever paid was in 2002, when I was 21, just passed my test, and paid 1800, on a H reg calibra 2.0 16v, seemed a fortune back then, but seems to be the norm for new young drivers these days
Insurance Costs - Rusty2009 - 29:th-Jan-2016
I paid £375 that includes the wife (2yrs) fully comp without the wife would of been £370 so for £5 was worth adding the wife on that's with all Mod's.
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RE: Insurance Costs - Jj0063 - 29:th-Jan-2016
Can't believe what you lot pay!
I'm 24, my Mrs is 21, we're both fully comp on the Astra with Admiral & I've just renewed at £301 for the year. 7yrs Protected NCB, courtesy car cover etc.
I did work for an insurance company for 4 years so I know the game inside out and feel for some of you in high rated areas.
Tucpal, NI is definitely not the highest rated in the UK
RE: Insurance Costs - andy2174 - 29:th-Jan-2016
I pay £24/month, however, I am now in my late 40s and whatever car I have doesnt seem to make any difference to my premium
Insurance Costs - Tonto - 29:th-Jan-2016
Is it bad to start a search now even though mine isn't up until March 12th? I've read they affect credit score or something when you do quotes..?
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RE: Insurance Costs - Bloopeta - 29:th-Jan-2016
Think ya can oniy do a month in advance m8, but dont quote me on that
Insurance Costs - Tonto - 29:th-Jan-2016
Yeah I know you can only do a month but you can just put on a date and check prices just wondered if there was consequences
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RE: Insurance Costs - Jj0063 - 29:th-Jan-2016
No it's fine
RE: Insurance Costs - Bloopeta - 29:th-Jan-2016
(29:th-Jan-2016, 22:54:28)Tonto Wrote: Yeah I know you can only do a month but you can just put on a date and check prices just wondered if there was consequences
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Ah I dunno m8, I run daft quotes all the time, but I dunno if it affects credit rating, I would asume if you click paying a yearly premium upfront, then it wont affect credit rating, as your not applying for credit?? I may be wrong, but I cant see how it affect a credit rating if your not making a credit application?
Perhaps Jj0063 can shed any light? He said earlier he worked in the industry?
Insurance Costs - Tonto - 29:th-Jan-2016
Ah he's just said its fine, I'm going to start looking I think. Hoping it bloody drops a bit lol
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RE: Insurance Costs - Bloopeta - 29:th-Jan-2016
(29:th-Jan-2016, 23:13:09)Jj0063 Wrote: No it's fine
Speak of he devil haha
RE: Insurance Costs - sheppy1 - 29:th-Jan-2016
Totally fine mate, I did a about 80 searches in the past month or so and have had a credit report since then and it's not affected it [SMILING FACE WITH SMILING EYES]
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Insurance Costs - Tonto - 29:th-Jan-2016
Ah cool thanks
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Insurance Costs - Nemo - 1:st-Feb-2016
I'm in Bradford (one of the worst if not the worst places to get insured) aged 22, got a 2.0CDTI and it cost me £1000 for the year. I've had a bump so I expect it to go up though...
RE: Insurance Costs - bhalay207 - 2:nd-Feb-2016
I'm 26 with 8yrs ncb, pass plus and pay £58 per month for a 2.0cdti SRI.
It should be abit less but I pay monthly so end up having interest which makes it short of £700 a year but that is for both me and the missus.
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RE: Insurance Costs - Kris - 2:nd-Feb-2016
I'm 33 and have 1 years no claim. I have 6 points on license 1 from using a mobile and the other from speeding. Also have a drink drive on there which ended June 2014 but I have to declare it for 5 years. I am paying £63 a month to zenith for my 1.6t 200. The previous year I was paying £98 a month to tesco.
I'm Hoping it comes down again by renewal time.
Before my stupidness of drink driving and mobile and speeding I had the 1.4t Gtc and was paying £26 a month to tesco lol.
RE: Insurance Costs - tucpal - 2:nd-Feb-2016
that D and D will stay on for 10 years but as you say does not count after 5 but some still count it till it's gone after 10
RE: Insurance Costs - Kris - 2:nd-Feb-2016
(2:nd-Feb-2016, 21:42:14)tucpal Wrote: that D and D will stay on for 10 years but as you say does not count after 5 but some still count it till it's gone after 10
I only have to declare it for 5 years mate. i know its there for 10 but after 5 don't need to say anything about it.
Insurance Costs - JohnL - 3:rd-Feb-2016
Currently paying £60 a month for the vxr.
Has to be a crap postcode as I have 11 years ncb. If I put my mates address it drops down to £27 a month.
A lad in work has issues with his name when it comes to getting quotes. Change the name on the quote and it drops quite a bit.
Insurance Costs - Tonto - 3:rd-Feb-2016
It's a load of shite to be honest! I done a quote today and it came back at £460 fully comp. £70 despair and 9 X £51. Which I think I'll go for unless it drops nearer time!
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RE: Insurance Costs - sheppy1 - 3:rd-Feb-2016
(3:rd-Feb-2016, 23:02:15)JohnL Wrote: Currently paying £60 a month for the vxr.I didn't know insurance got that cheap! Hahaha. May be hope for me yet getting insured on anything bigger than a 1.7 lol
Has to be a crap postcode as I have 11 years ncb. If I put my mates address it drops down to £27 a month.
A lad in work has issues with his name when it comes to getting quotes. Change the name on the quote and it drops quite a bit.
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I took the 62 a month quote and ran with it! Got a free confused. Com toy too which I sold on ebay for 50 quid lol
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