Cheap Insurance?

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Furrtiv
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Cheap Insurance?

Post by Furrtiv »

Okay, another challenge for you friendly guys!

I've got a Peugeot 205F-reg I'm trying to insure very cheaply, but can't get any quotes for it, even third party fire and theft, under £250. The car's only worth £250 and I don't fancy paying much more than that per year for insurance, it doesn't seem worth it.
I've tried: Footman James, Aon, Tesco Value, Admiral, Elephant, Swift, More Than, and a couple I can't remember the names of, but everywhere's charging me over three hundred pounds (I do, unfortunately, have a claim I made on the Morris within the last three years, and this Pug will be kept on the street overnight).

So, anyone got any ideas? Onne said that he managed to find one quote for £175, but couldn't remember who with, so I'm kind of stuck. :(
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ben739
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Post by ben739 »

try the www.uswitch.com site
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Furrtiv
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Post by Furrtiv »

Thankyou. :)
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JimK
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Post by JimK »

Also try www.confused.com
We got the insurance for our Ford Focus through that site.
Jim - New Forest, the Wiltshire bit
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paulhumphries
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Post by paulhumphries »

Last year my father in law gave us his old car - a P reg Chrysler Neon.
I looked into keeping our old "familly" car, G reg VW Golf , as a second car for me to replace an anceint MKII Granada that would need work for next MOT.
Even third party, fire & theft, FULL no claims, no accidents, clean licence, parked in drive, myself & wife both early retired so no commuting, my wife 50 and me 49, rural area etc the cheapest I could get cover for was just under £300.
In the end I scrapped the Golf, sold Granada for £50 and bought a Minor !

I reckon £250 isn't too bad a quote for someone who has a claim and the car parked on road.

Paul Humphries.
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badfelafel
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Post by badfelafel »

try third party only... why insure it for theft - if its only worth that much and with any excess, theres no point
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Packedup
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Post by Packedup »

For a normal policy, I got a pretty good deal through Direct Choice (Google them, I can't remember if they're com or co.uk). But you might, just might, get the 205 on a classic policy - I'm paying a reasonably fair premium through Peter Best (whom I strongly recommend based on personal experience anyway) on my late 80s classic/ runabout.
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d_harris
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Post by d_harris »

When I was searching for insurance for the fiesta the cheapest quote I could get was £420, thats fully comp. The cheapest 3rd Party was £470. Try working that one out!!!

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paulk
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Post by paulk »

Thats not unusal Dan

Last year I was quoted £350 fully comp on my eurobox Just me driving(10 years no claims, Clean licence)

BUt if I put my wife on the insurance (3 points on licence ,an SP30 speeding ticket two years ago. And a £600 claim on her car insurance 1 year ago(not her fault))

its £30 less???

If anyone can explain this please pm me cos my brain hurt for several days after that.
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Furrtiv
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Post by Furrtiv »

Well, after a bit of a kerfuffle with the internet and a few more hours of searching, I've finally found insurance - third party only, but the car was bought so damn cheap I won't be too worried if anyhting happens, I'm more concerned about being sued for damages should the worst happen and I hit someone!
Anyway, in the end, being honest and all that, the cheapest I could get was £300. Not too bad, I would have liked cheaper but that would be impossible with one claim already and only one year's NCB. Which I must get proof of, of course. So it's back to ringing Aon in the morning and asking nicely for a piece of paper that says that my last claim was in April 2005 - yet another tea break used up in a phone call, I suppose. :roll:
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chrisd87
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Post by chrisd87 »

I do hope you realise you can (generally) only use your NCB once. If that NCB is on your Minor and you are continuing to insure it, you cannot use it on the Peugeot too. However some companies might do things differently so it's worth checking.
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Furrtiv
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Post by Furrtiv »

Hm, didn't realise that - thatnks for pointing that out, I might chage the policy on the Peugeot then, as it's worth keeping any NCB on the Minor more as it's worth a lot more to me.
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alex_holden
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Post by alex_holden »

I would use the NCB on whichever is the more expensive to insure.
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heathy12
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Post by heathy12 »

http://www.rhclassicinsurance.co.uk/

These guys insure both my Minors, for 42.50 each! :o :o :o :o :o

Unlimited mileage and fully comp with agreed value of three grand. :o :o

They do other cars obviously too, newer ones like.

Couldn't beleive the quote especially when the club insurance quote came thru at 112 pounds! :o I can get a third minor to insure for the price of one now! :lol: :lol:

Give em a sho, big thumbs up from me. :D

HTH

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ronny
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Post by ronny »

try http://www.moneysupermarket.com/motor/ i've got cheap insurance off that before :wink:
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