Where do thay get these numbers from ?

[hc coupe]

Ok so I called Sky up to get a quote on a 1.6 16v nova saloon, now the car does have a few mod's here and there so when the said £1041 I was happy.(and thats only 3,000 miles a year)

I then do an online quote on the Mercedes 190E (2.3) Cosworth....£800 (and thats 7,000 miles a year)

Now is that strange?

[nova_saloon]

Ok so I called Sky up to get a quote on a 1.6 16v nova saloon, now the car does have a few mod's here and there so when the said £1041 I was happy.(and thats only 3,000 miles a year)

I then do an online quote on the Mercedes 190E (2.3) Cosworth....£800 (and thats 7,000 miles a year)

Now is that strange?
Basically all statistics with insurance companies, if there has been more crashes with that car then another then it is more expensive or more theifts of cars in the area that you live in or the age of the person you are and what the statistics of a person round your age crashing that car. Plus with mods they see you as a more of a ristaker then someone that doesnt mod. Because what else would you mod for. there very narrow minded.

[bmw156]

ok i have a question about insurance

a few quotes recently have shows TPFT to be higher then fully comp price wise

why is this lol

[Adam]

Fully comp usually has higher excesses etc

[bmw156]

ahhhh it all makes sense now cheers

[Jack]

There's a whole bunch of reasons as to the whys and hows of insurance calculations. Suffice to say, modified cars are usually more expensive than standard.

My 240bhp, 4WD turbo Celica GT4 is currently only £30 more to insure than my 150bhp XE saloon nova at £350. Both modified, the Celica is FC with business, 10k/year, drive any car; whilst the nova is a basic 3k/year TPF&T policy. Go figure.

[Mike]

Its all a conspiricay to rid the world of old ****ters :D

[marc novataken]

me on a 1.2 nova TPFT £812. me on a BMW 320 E36 £545. aged 19 with 1 years no claims

[sulphur]

I went from a nova GSi for 1200, to a Vec GSi, all mods declared with 235bhp, for 950. Both with no NCD. It never adds up lol

[BIGS]

£1041 :eek: **** ill think i will stay with adrian flux and save £700!

[Lee]

1.6 16v nova, Mercedes 190E (2.3) Cosworth



Spot the one with the engine transplant.

Anyone? lol

[Lee]

£1041 :eek: **** ill think i will stay with adrian flux and save £700!

He's 20, and your 24, and you dont know his circumstances, no claims bonus, or if he has points, or what points, so you can hardly look at his quote and think it would be the same as yours can you?!! :wtf:

[BIGS]

hmm true ill think before i post again :tard:

[Adam]

I went from a nova GSi for 1200, to a Vec GSi, all mods declared with 235bhp, for 950. Both with no NCD. It never adds up lol Because a nova is a chav, boy racer car, which are stupidly easy to nick, have no safety devices, have a 80% chance of it being written off if you crash at a speed above 5mph etc......... lol lol

Whereas a vec gsi is a safe car, will have things like an immobiliser/deadlocks, abs etc etc etc...., doesn't have the same "image" as a nova


It makes more sense than you think when you look at it that way, as to why novas are expensive to insure.

[Welsh Dan]

My insurance nearly doubled going from a modified nova to a standard mondeo though...

[hc coupe]

Hi,

ThankS for all your input, Yeah I'm only 20 but have been driving a company car since passing at 17.I don't have any NCB however as named drivers don't count?

Think I'l leave the saloon off the road, Till the weather gets better and I'm more likley to take it out.

Cheers

[Jack]

ThankS for all your input, Yeah I'm only 20 but have been driving a company car since passing at 17.I don't have any NCB however as named drivers don't count?
True, but some companies offer discounts for driving experience even with 0NCB.