Wild quote

Post by **Peetee** » Sat Apr 12, 2008 12:56 pm

My insurance quote has doubled since last year (£78 - £150). the differences being attributable to stowage in a carport rather than a garage and a 1275 engine (better brakes though)
In your experience, is that fair?

Post by **aupickup** » Sat Apr 12, 2008 1:50 pm

sems high to me

who are you with

Post by **Furrtiv** » Sat Apr 12, 2008 5:07 pm

Some companies see an engine upgrade without a matching brakes upgrade as a higher risk. I would do some shopping around if I were you.

Post by **Gareth** » Sat Apr 12, 2008 7:00 pm

I find that insurance companies tend to 'go with what they know'. Some will give you brilliant quotes for standard cars, and give high quotes for anything that's outside their expectations, while others will give wonderful quotes for modified cars, but simply aren't competitive for standard models.

If you've made a change to the car, it's probably time to change your insurance.

As for the carport - it has no door, no lock, so is possibly visible from the road, therefore a higher risk of being stolen - easier to see and easier to take. Wouldn't have thought it would have doubled the premium, though.

Post by **Peetee** » Sat Apr 12, 2008 8:31 pm

Some companies see an engine upgrade without a matching brakes upgrade as a higher risk

But as I said the brakes are listed as upgraded.

As for the carport - it has no door, no lock, so is possibly visible from the road

True, but I didn't have the oportunity to mention there is a modern immobilised car blocking it's exit.

Post by **Matt** » Sat Apr 12, 2008 10:19 pm

Errr Pete... my car is insured for £180 fully comp with all my mods declared as a first car. Its also insured as being on the drive! I suggest you make a few phone calls!

I managed to insure the car for £78 fully comp (before my mods, but still 1275 with marina running gear etc) insured parked on the road in Ealing! That was as a 2nd car and only 1500 miles a year

Post by **IaininTenbury** » Mon Apr 14, 2008 10:26 am

Footman James didnt increase my premium for a 1275 Minor with brakes. Maybe I got lucky but it made a nice change.....

Post by **bigginger** » Mon Apr 14, 2008 11:21 am

"Anyone who lives within their means suffers from a lack of imagination."

Oscar Wilde"

Post by **Peetee** » Mon Apr 14, 2008 1:27 pm

"He had more money than sense. Now he has less cents than sense"

Me, just now

Post by **bigginger** » Mon Apr 14, 2008 2:02 pm

Couldn't help it, but tried to wait until the Q had been responded to

'Fewer' cents, btw... ;)
a

Post by **chickenjohn** » Mon Apr 14, 2008 2:25 pm

If Insurance goes up like that, its always worth shopping around! If you are over 30 years old and have clean driving record- give RH a go for a quote.

Post by **Peetee** » Mon Apr 14, 2008 4:08 pm

'Fewer' cents, btw

I doesn't work in it's spoken form I'm afraid. 'Fewer' is commonly applied to the monetary subject but rarely if ever to the intelectual subject.

Post by **bigginger** » Mon Apr 14, 2008 4:26 pm

Disagree, but there you go ;)

Post by **badfelafel** » Mon Apr 14, 2008 5:43 pm

Gareth wrote:I find that insurance companies tend to 'go with what they know'.

Which is not a lot!

"Morris Minor? Whats that then"

"I have a Morris 1000 DL on my computer - is that what you've got?" (NO!)

Post by **MarkyB** » Mon Apr 14, 2008 6:11 pm

is that fair?

Probably not. Who told you life was going to be fair?
There are some good tips at:
http://www.moneysavingexpert.com/insurance/
Another is, go to your current insurers web site and get a quote but misspell your surname by one letter and prepare to be amazed how much less the quote is

Then phone them up and ask why you can't have insurance for this price quoting the reference number from the site if necessary.
Insurance companies and brokers don't play fair they rely on our laziness and hope we will just renew without question.
I'm sure your premium would have gone up even if nothing had changed.

Post by **Gareth** » Mon Apr 14, 2008 6:34 pm

That's true - all my insurances have gone up this year - the Minor by about 8%.

I tried RH, however, and they wanted documented proof of value which, when added to the cost of the premium (which I must admit was rather reasonable) made them only slightly cheaper than my current insurers. So I stayed where I was.

Post by **Peetee** » Tue Apr 15, 2008 4:35 pm

Thanks for all the suggestions. in the end I couldn't get it lower and time was running out before the MOT so I went for my usual supplier.
the sticking point seemed to be the lack of garage. Best get some doors on the carport methinks.

Post by **d_harris** » Wed Apr 16, 2008 8:37 am

The other thing to mention pete is that convertibles are seen as being at a higher risk of theft than saloons, more desirable and less secure. Also, Since when did you ever have a garage?

Post by **chickenjohn** » Wed Apr 16, 2008 9:14 am

Gareth wrote:-snip-
I tried RH, however, and they wanted documented proof of value which, when added to the cost of the premium (which I must admit was rather reasonable) made them only slightly cheaper than my current insurers. So I stayed where I was.

Just ask an officer of your local branch to value the car- Keith the chairman of East Kent branch often does valuations for local owners- types a letter, signs it and thats it!

Post by **bmcecosse** » Wed Apr 16, 2008 9:17 am

RH are excellent -and FREE roadside repair and recovery are included! And i'm sure with my Traveller - it's unlimited mileage, although of no benefit to me since it is a third car only!