Got My Insurance Renewal

[NovaLad]

Ok...

This last year was my 1st year with the nova and it ended up costing me £2,070 TPFT at 17 on a OL (Oldham) postcode, 9,000 miles a year, garaged etc... for the year! which i paid :(

Anyway just done a renewal quote for the 1st of jan which is when it will need to be for and it came back with £1,244.25 :D with everything same as before apart from this time the value is £700 for the nova <- i suppose that's what they pay you if anything happens? am i wrong?

Anyway... to me that's a good quote as other places are offering me ones for £3,000 :tard::tard:

Is the drop in price that i have had back about right for 1 year no claims?

Thanks for any replies!

EDIT:- Also i'm 18 now and will be 19 after 4 months of the renewal if that changes anything?

[General Baxter]

apart from this time the value is £700 for the nova !

nope thats just how much you think its worth,

they will pay out about £50 for a nova lol

[NovaLad]

If i drop the value will it drop my insurance?

[Southie]

Ok...

This last year was my 1st year with the nova and it ended up costing me £2,070 TPFT at 17 on a OL (Oldham) postcode, 9,000 miles a year, garaged etc... for the year! which i paid :(

Anyway just done a renewal quote for the 1st of jan which is when it will need to be for and it came back with £1,244.25 :D with everything same as before apart from this time the value is £700 for the nova <- i suppose that's what they pay you if anything happens? am i wrong?

Anyway... to me that's a good quote as other places are offering me ones for £3,000 :tard::tard:

Is the drop in price that i have had back about right for 1 year no claims?

Thanks for any replies!

I cannot believe you paid that much for your first year :eek: :eek: :eek: are you mental!!!

Have you tried the club sponsor? or are you in an area that steals houses instead of cars with those quotes lol

[NovaLad]

Have you read the club insurance sponsors write up?

[Southie]

Have you read the club insurance sponsors write up?

lol forgot about that little fact ooops sorry lol

[General Baxter]

I cannot believe you paid that much for your first year :eek: :eek: :eek: are you mental!!!

i paid just under £5k lol

[turbojolt]

Ok...

This last year was my 1st year with the nova and it ended up costing me £2,070 TPFT at 17 on a OL (Oldham) postcode, 9,000 miles a year, garaged etc... for the year! which i paid :(

Anyway just done a renewal quote for the 1st of jan which is when it will need to be for and it came back with £1,244.25 :D with everything same as before apart from this time the value is £700 for the nova <- i suppose that's what they pay you if anything happens? am i wrong?

Anyway... to me that's a good quote as other places are offering me ones for £3,000 :tard::tard:

Is the drop in price that i have had back about right for 1 year no claims?

Thanks for any replies!

EDIT:- Also i'm 18 now and will be 19 after 4 months of the renewal if that changes anything?


that is a brilliant quote there mate you should be happy

[NovaLad]

i paid just under £5k lol
For real baxter?

How many convictions do you have lol.!

[General Baxter]

0 now lol

18 years old, 0 ncb, on L plates, 2L16v webber T45 lol all correctly insured
http://www.pngclub.com/images/car_images/2093big.jpg

[Iain]

I think you'd need an agreed value on your car for them to guarantee to pay out what you say its worth (receipts, photos, etc) - best would be to ask them if you ring for renewal. Maybe ask if they can match a lesser quote you've got too.

[Jack]

^ Yep. Value of the car only seems to affect level of insurance - some companies I've seen won't offer certain cover or features to cars under £5k for example. If you want an agreed valuation, get an agreed valuation, but don't be surprised if they say a relatively standard Nova is only worth £400 tops.

Also, don't forget your excess will come off any payout. So if you have a compulsory excess of £250 for being under 21, then another £250 voluntary excess, and you make a claim under which the insurance payout is £500, you won't actually see any money.


that is a brilliant quote there mate you should be happy
Its not brilliant by a long shot, but its probably the best you'll get. I'm assuming you have thatcham approved security? What about pass plus, that may still make a difference, or membership of the IAM (not sure if you're too young for that though).

[NovaLad]

What's IAM?

No security just garaged over night.

[Jack]

Institute of Advanced Motorists. You need to pass an "advanced" driving test to join.

Might be worth looking into getting some security fitted. What may cost £100 on installation could save you double that on insurance each year.

[Jim Mcrae]

Move to devon, Im paying £971 on an XE at 19, everything declared:D

[AlexW]

Institute of Advanced Motorists. You need to pass an "advanced" driving test to join.

Might be worth looking into getting some security fitted. What may cost £100 on installation could save you double that on insurance each year.

Tbh they dont make much differance. When i got quotes on mine it didnt change the quote at all. I understand the reasoning by an alarm (Ive got mine just for piece mind) but unless you can prove it will lower your insurance i dont bother, and i fit them for a living lol

[Jack]

Was that a pro fitted thatcham one though?

My old hatchback had a thatcham approved immobiliser fitted by my uncle (legit fitter) with a certificate of installation. If I remember rightly it saved me rather a large chunk on my insurance back then.

[Steve]

I had a thatcham 1 alarm and immobiliser fitted to my yellow sr, iirc it saved me £25 lol they said it didnt make much diffrenece if the car is valued at under £5k.

That renewal price seems high tbh, my first years driving on a std 1.0 nova was £1000, or have you declared all mods? Even still, I'd shop around.

[AlexW]

RJ - Yep.

Steve - On my brothers car it saved him about that, but thats only because he asked about it lol

[NovaLad]

Update - Just got Quote off Churchill FULLY COMP, 9,000 MPY, Garanteed Hire Car, Legal Protection, 400 Excess, 1 Year NC...

Came back with - Your annual insurance quote £1,235.85

So am buzzin because my insurers want £1,246.35 TPFT without Hire Car lol

Rang up my insurers and they basicly can't match that so going to ring up Churchill tomorrow to confirm the Quote.

Also to go TPFT with Churchill it would only be - £1,080 lol woop

[NovaLad]

Gave them a ring to confirm the quote and they said everything was fine...

Going to ring them again tomorrow or monday and see if they can drop the price a bit more to be cheeky lol

[stevie-p]

what car was it you insured for that price engine size mods etc?

[NovaLad]

1200 nova.

[stevie-p]

mine is too i got 1300.00 fully comp at 17

[rednova]

do you actually do 9000 miles per year - i only insure mine for 4000 and i find it hard to do that anymore now ve got a company van

[novabrad90]

im18 my insurance is only £1000 on a 1400 sr, 1year ncb and 3 points on my lisence

[Plug]

i hate to think what my insurance is going to cost me i have 7 convictions.

im only 20 aswell

[Jack]

i hate to think what my insurance is going to cost me i have 7 convictions.
:eek: What for?

[NovaLad]

do you actually do 9000 miles per year - i only insure mine for 4000 and i find it hard to do that anymore now ve got a company van

Did well over that the year just gone...

[novabrad90]

lol

[S1M0N]

Im 18, 19 at the end of the month, Ive got 1 years no claims and i pay £1300 to insure my Gsi.

[Rickardo]

you have to be old like me..only got 2 yrs no claims, spent yrs on bikes..£627 for a Let Nova TPFT.. all mods declared..

[Nova_Sean]

Try direct line, got a quote for 1250 fully comp, no mods (dont let you put mods in online) and 17. <1000 miles.

[Jack]

Try direct line, got a quote for 1250 fully comp, no mods (dont let you put mods in online) and 17. <1000 miles.
And you really do less than 1k a year? :wtf:

What did they say when you rang them and told them the mods? They got a bit shirty when I tried to insure the Nova due to all the mods lol

[keithrg]

ffok if it not worth twice the access go TPFT with legal. Man I am not suprised their are so many illigal cars on the road.

[james_19]

I cannot believe you paid that much for your first year :eek: :eek: :eek: are you mental!!!

Have you tried the club sponsor? or are you in an area that steals houses instead of cars with those quotes lol

if you think that is bad my mate paid £3000 on a polo

[2lbill]

im 26 years old have 0 ncs as started a new policey no convictions. 2lt 16v all insured properly telling them about engine brakes , suspension , wheels , bodykit the lot. £550 per year 3rd pary fire and theft , 3k miles per year.

[Nova_Sean]

And you really do less than 1k a year? :wtf:

What did they say when you rang them and told them the mods? They got a bit shirty when I tried to insure the Nova due to all the mods lol

Well, to be fair, i dont really have any mods yet!
I cant see myself doing more than 1000 though, work is across the road & college is about 2 miles from my house...
When/if i have mods on my car, and i have my insurance policy, would i have to inform them and would my premium go up?

[Jack]

When/if i have mods on my car, and i have my insurance policy, would i have to inform them and would my premium go up?
Yes and almost certainly yes

[Riggy]

Well, to be fair, i dont really have any mods yet!
I cant see myself doing more than 1000 though, work is across the road & college is about 2 miles from my house...
When/if i have mods on my car, and i have my insurance policy, would i have to inform them and would my premium go up?


lol so you are not goin to use your car atall after goin college and work , how often do you go to college , 1000 miles per year is only 19 per week lol

[General Baxter]

1000 miles per year is only 19 per week lol


my patrol does less then that lol

it does 10miles :p

[Riggy]

lol i have calmed down abit lately but im still doin 150 in the astra , then some in her punto , not countin nova miles as they are just for pleasure lol