Bloody insurance

You need to use a specialist like Adrian Flux.

Surely it will be almost identical ?

Rarely is, as an off-the-cuff quote will include an "introductory" discount. Why they don't apply a "loyalty" discout of the same amount baffles me.

Sometimes they do, mostly they don't. A lot of people don't look arround come renewal, so they keep existing customers, but they always want to bring in new customers for a bigger market share.

What got me was that one of the Saabscene.com guys has a 19year old son, on his own policy, FC with all of the mods on his heavily modded C900 declared, and gets it for £500.

I can't find anything under £600 except my current insurer who I'm most likely to stick with.

What gets me is the variance of premium, upto 4 times as much for a car that has a max book value of £1k. I realise that covers all damage I can cause to others, but my policy as it stands covers me for £20,000,000 worth of damage to buildings or property.

Can't see a policy costing 4 times as much will give me £80,000,000 worth of cover for damage?

snip

If they've found out you know Matt, they might think you're gonna be racing Ferraris en masse ;-)

In article , snipped-for-privacy@lycos.co.uk spouted forth into uk.rec.cars.modifications...

I figured it would be the postcode. I'm a nice sensible age (34) Nice sensible Occupation (computer programmer). Nice sensible car (Saab 900 Turbo, weapon of choice for doctors, judges, solicitors etc).

Clean license. Must be the postcode.

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I got my renewal notice through. The renewal is almost £100 dearer than the fresh quote.

£377.52 for the new quote £472.** for the renewal. They are going to get a little phone call about this.

I wonder if by lapseing the insurance for 1 day, that it would then be a new quote, hence the £100 lower price...

Try talking to a broker first...might be an interesting ploy!

Phil

Or...

Try through another broker...it's new business to them...

Phil

That's the way I look at it - currently with the car I'm driving (Carlton) I wouldn't claim on insurance anyway if I crashed it so it doesn't matter one bit what the excesses are, and even if I did drive a car that would be worth claiming on the insurance if I was to crash it, my view is that I'd be so gutted anyway that I'd smashed up the thing that the difference between, let's say, £150 and £400 would be nothing compared to how pissed off I'd be anyway.

Peter

What about this new rule on mods though? Surely it would count as a "new" policy?

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Hmm true. But it is only the Filter I've changed on this.

It still covers £300 of Audio/Multimedia/Entertainment equipment, and as the screen was second hand, I could just about recon I got the PC for that, and make the difference myself if needed.

Agreed. And given the current situation with insurance cost in the UK, claiming is simply not an option anyway unless you have BIG off :)