I've decided I'd like to keep my meg for another year after a lot of umming and arring! The insurance is due in April but I've been looking around for quotes to get an idea of how much they're going to rob me of this year! I went with a 10 month booster thingy with elephant this year but have been involved in a non fault incident since owning the car and there has been no claim, but my insurance is looking set to rise by £600 to around the £2k mark, which I can't really afford/think is insane! I've tried greenlight and they won't insure me as I will have only owned the car for 10 months and they like you to have it for a year to prove that you can drive it! Does anyone know of any companies that aren't admiral or elephant (they're horrible in every sense) that will insure me for a price that isn't completely stupid and unfair? I'm 22 and will have 3 years ncb this april and surely shouldn't still be paying well over £1000 for insurance? Help!
Unless you can afford it I would get rid. I'd never dream of paying that much on insurance on any car.
Try Sky insurance, they were the best on both of my 225s. My brother the same age as you had an R26 with a fault claim and only paid £650 with Sky.
I saved like crazy as I knew it would be high first time round, but paying more than that again is stupid I agree! But mine always seems to be high, even on my c2 I never paid less than £800!
Sky insurance are incredibly cheap, I was speaking to a performance insurance specialist and he was saying they can't come close to matching Sky's prices and apparently they were drying up the whole market.
The bit you said about greenlight and not wanting to insure you as you haven't owned the car long... It's renewal time for me too and got a very competitive quote from them even though I've only owned the car 6 months. They did ask what I was driving before though so maybe that played a part.
Do the comparison sites first to get a feel/idea then try Adrian Flux. [The three rec ones to do first by MSE are Money supermarket/ Confused/ then compare the market. Then do the independents like Direct line [you have done admiral] Try and get someone else on the car lowers premium. Have you got sd& p only. Increase the Excess. Leave off courtesy car. Leave legal expenses. How much does NCB protection. Swinton do huge cash backs at times [£130 once] Happy hunting. Cheers Andy
Sky might be cheap but God forbid you need to claim or try and change something after you've paid them. Terrible now, used to be great but their customer service is atrocious now. Shame as they always were incredibly cheap.
Yep! range yesterday morning for a price to change to a ST and was on hold for 20 mins before someone picked uo and said they'd ring me back with a price. They finally called back today and said the cost tot change wiukd be nothing but I was expecting a few hundred quid back! Will be having a word when I do get round to the change of car though!
I've tried the comparison sites and they all come back around the £1900-2000 mark unless I took an advanced test or got one of those black boxes, in which case I may as well get a twizy! Adrian flux weren't the cheapest, they were around the £2100 mark iirc! I do about 9k a year and have both of the parents on who have no accidents on their record, I do have legal expenses though and courtesy car is through the AA. I can't have protected NCB yet though! I'll give Swinton a try though! Thanks Andy!
How! I must of lost out on the insurance lucky dip! I've got 2 non faults on mine, I wasn't even in the car for the first but got hammered! I'm definitely giving sky a ring!
That's why I'm never having anything to do with elephant again but at the end of the day they were the cheapest at the time. Their customer service people were crap, unhelpful and just pretty robotic when I had my last incident which shook me up quite a bit and also cost me a fair bit! I would almost go as far as to say I'd pay a tad more just to not be with them!
Yes you have really done it all then. You might just get lucky with a company that has decided to increase there client base so you will be attractive in the short term with a premium. Best wishes Andy
Shop about. I was flux, then Brentacre for a few years, I'm going back to flux tomorrow. Brentacre matched them but flux offered a high value on the car and Euro breakdown which others couldn't match.
The important thing to remember is that your still relativly young. It's not untill your about 25 that you will see big drops in insurance. When I was 22 and moved to the r26 at the age of 23 I paid 1200 fully comp. Then at 24 it dropped to 600 then at 25 dropped to 400. Just shop around for the best deal but remember so many things come into play that facter into your costs. I'm with brentacre and would fully reccomend them.
Yeah, they always say it'll drop but mine keeps rising! I've just had a run of crap luck really. Had a c2 loeb edition as my second car and that's was hit whilst parked and although it wasn't my fault my insurance went from £650 to £1200 overnight as I needed a new drivers side on my car! And in my Meg someone ran out in front of me and ended up in the windscreen! Although she admitted it was her fault they tried to take my NCB, which took many expensive calls to many Welsh call centres to get back! I also have a rubbish postcode which bumps it up. I am a genuinely careful driver and look after my car like a small child but I've just had bad luck! If I can't get the price down to less than the £1000 mark I might swap for a clio 200 or something and then go back to a 250 cup when I stop earning apprentice wages!
Sky insurance just quoted me £1660 for the year! Apparently my last accident has bumped it up loads because it involved an person under 18! Looks like it's goodbye Meg come april!
They won't insure me as I haven't had the car long enough! The cheapest I've found is £1500 with elephant again :/
Bollocks mate, i work for a motor insurer thats all pish. Vehicle location (postcode) is a main killer, accident points and your own occupation can sway it loads too. And yearly mileage of course!
Yeah I have a bad postcode, it's near luton! I'm an electrician but I don't use the car for work and I only do about 9k a year in it!
I put in my grandparents postcode (nice area in a private road) and it dropped £300! The other money they're piling on seems like bull to me but what can you do!
9k isn't that low either, I was told by Greenlight and Brentacre that 5k miles brings it down a fair bit. Luckily that's all I do, I've only done 8k in 20 months.
Greenlight told me that the difference between 7.5k miles and 8k miles makes a big change in the premium. Could be BS, I don't know.
Just renewed with Greenlight. Best price out there.. my current insurer wanted to charge me £1050! Comfortably beat that
