Incidentally, I disagree with people who claim that confused.com are 'the answer' for searching for insurance. They're probably worthwhile as a starting point to see what sort of money you're talking about, but in 10 years of getting car insurance they've never come within £100 of getting me the cheapest quote.>>
Erm: That would be the same confused.com which launched about two years ago?
Now I'm confused.
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Erm: That would be the same confused.com which launched about two years ago? Now I'm confused.
Two years? I find that very hard to believe. In fact, when I used them for a quote this time, they came up with a list of quotes I'd got with them previously and one of them was for a car I haven't owned for nearly 5 years.
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Oops, hit post too soon.
Meant to go on to say: Fair enough, they might not have been around all my driving life, but I'm pretty sure I remember using them a fair few times, and certainly not only twice.
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Makes me wonder about the validity of our company lease car scheme. I have 3 points from 2002 and a crash also in 2002, so I am back up to 3 year's NCB and they want 600 quid for a Skoda Fabia vRS. I am 33, and in a very low risk insurance area. We have a "choice" of 2 insurers, both as expensive as each other. Am seriously considering opting out, but the monthly fee is such a bargain...
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The point made earlier in the thread about searching for insurance quotes directly with companies such as Direct Line is the method I use.
Admiral, Confused, Elephant etc are all brokers and, as is obvious, make their income through commission.
There is therefore really no true incentive to attempt to discover the best as well as the cheapest insurance cover for you, even if each was able to contact every possible insurance source.
Just as a test key in your details with each of the brokers and see just what each comes up with. You'll be surprised at the variations.
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What\'s for you won\'t pass you by
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I wonder if thats as scary, as when some us older Broomers, had our first policies??
18 & no blemishes, but my year of motorcycle cover, might have = some discount, £165 was a years cover on a Vauxhall Victor 101 - 1.6.
I was earning £20/week, so 8 weeks wages, covered the insurance cost. If you're on £250+/week, nothings changed, in real terms!
But still a big lump of £$£$ to find!!
Welcome to the world of car ownership ....& an empty wallet!!
VB
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Thank God for student loans. Completely used up on car insurance!
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Makes me wonder about the validity of our company lease car scheme. I have 3 points from 2002 and a crash also in 2002, so I am back up to 3 year's NCB and they want 600 quid for a Skoda Fabia vRS. I am 33, and in a very low risk insurance area. We have a "choice" of 2 insurers, both as expensive as each other. Am seriously considering opting out, but the monthly fee is such a bargain...
Sorry if I'm reading this wrong - but you have a company car, that you have to insure yourself??
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Agree with Vansboy. TPTF for my first car was circa £300 in 1980, which at that time equated to 3 months salary. Insurance is probably no more expensive than it ever has been, its just that the numbers are bigger.
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In defence of confused.com I recently used their site and saved £200 on my quote from directline (who provided the best quote for 4 years on the trot). I've never had a good quote from Tesco, Elephant or More Than.
At the grand age of 24, with 6 years no claims, 15K/year mileage (business, commuting and social), I pay £220/year! Woohoo!!!!
.....shame about the car I insure...a 2003 diesel Mitsubishi Carisma. :-(
The sad thing is that I can insure a two year old impreza or Evo for the sort of money you've been quoted. My advice is get your own policy started as it's worth it in the long run.
I'm not sure what's going on with car insurance these days, when I got my own car and my first policy in 1998, I was paying £666 (yes, really) for a D reg 1.3 Golf. I can only assume it's due to newer cars with higher values being insured? I heard that some 18 year olds are paying £2k to insure a 1.1 Saxo!
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I was 20 when I got my 4 year old rover 214 living in Middlesbrough (TS1 postcode--ouch!) at uni and paid £900 under my own policy through direct line (tesco price was identical at the time). Now 24 until about an hrs time anyway and use elephant to insure my Rover 75 and pay around £500 a year, thats with business class, 25K a year, breakdown cover, legal expenses and fully comp. Now live in much nicer area but direct line wanted well over £1000 mark!
Only thing with Elephant is the 10 month policy but does build up your no claims quicker. It may be worth asking if you can transfer maybe a years no claims over as I was insured under my mum when in first and second year at uni (paying £220 on a nasty micra) and they transferred 1 year over because there was no claims made - saved around 15% off initial premium and add that to an online discount and it adds up.
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Shop around.
Me, 19, 0 NCB, modified 2.0 16v Mondeo, my policy, no named driver stuff.... was £1200.
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Shop around. Me, 19, 0 NCB, modified 2.0 16v Mondeo, my policy, no named driver stuff.... was £1200.
Why would you modify a Mondeo? I thought they were perfect already? ;)
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Company lease scheme, not company car. I work for VW Group so we get good rates on Skoda, Seat, VW, Audi.
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Company lease scheme, not company car. I work for VW Group so we get good rates on Skoda, Seat, VW, Audi.
and Bentley?? :-)
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Well... not wishing to give away where I work but I have driven a few in my time. : )
Theoretically, a discount is available...
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