Another insurance post :lol:

i know everyone is prolly well annoyed with these, but i thought i'd let u know my latest troubles with my renewal premium :?

i've spent all day today ringing up for a quote after my insurance renewal came in yesterday.

my current company (who were over ?100 (at ?580) cheaper than everywhere else with 1 years NCB last year) quoted me ?554 after ANOTHER years NCB. (so after a year's not claiming, its only gone down ?26 quid, which i thought was a bit s**t)

rang up, amongst 10 other companies, HIC, LV and Adrian Flux. the quotes i got varied from ?600 to ?660 from all of them TPFT.

HIC: after 15 mins on the phone, they came back with ?660 quid. i laughed at the bloke on the phone and said..u what? that's ?80 quid dearer than last year, with only 1 NCB. but alas, he couldnt bring it down any lower.

AF: very helpful on the phone. after detailed chat/discussions, he came up with ?508. that was with ALL mods declared, excess of ?250 squid on everything (good considering it was ?350 this year :lol: )

and rang up LV after AF: the person on the phone was a bit dodgy..wasnt quite sure. but, after discussion, they gave me a quote for ?501.72. after findin all the details, found out accidental damage excess was ?450 :o and ?150 excess on everything else.

so all in all, i've got a choice now. ?501.72 with LV TPFT with ?450 excess or ?508 with ?250 excess. think personally it'd be with AF, as its only ?250 excess as opposed to ?450 with LV :?

current details: im 19, 1 non-fault accident last year, f/t student, live in a ok area, car in garden with 6-ft fence panels all around and locked 6ft gate at night..thatcham 1 alarm, 15" vaux astra alloys, nova GTE sideskirts, lowered 35mm, diff exhaust, 1.2 engine :oops: and 2 years NCB.

i was quite suprised that it was this dear again this year, especially after another years driving experience and another 1 years NCB. :? sorry for the long post :lol:

I would go with Adrian Flux, just because of the excess ?450 :roll: with LV

yeah, thats what i was more swayed at. for payin an extra 7 quid, i'm savin 200 on excess. its not the excess that bothers me really, its the fact that its so dear.

i expected it to go down a damn lot more than ?72 quid after not claiming for a year :?

i wouldnt go with flux if you paid me

Quote:

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Originally Posted by Ian

i wouldnt go with flux if you paid me

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They are all fucking scamsters in car insurance. Rick

really? i thought they was alright. i wasnt keen on paying ?450 excess in case of an accident when my car's only worth about ?500 :lol:

has anyone else got a flux hatred? :?

?500 pound for insurance thats quite cheap. if i was offered that now id take it straight away but for some reason women get cheap insurance, not fair really

for a 1.2 with 2 years NCB @ 19? seems a bit dear to me..

to me that doesnt sound too bad, on the sr i had i was paying about 2000 third party. Apparently its a fast car, dont think they have actually driven one. Then again i do have 6 points and no years NCB

hmm, maybe you're right. i dunno.

another factor that makes me think its dear is the fact that i have had quotes for a standard nova GTE for ?880. :?