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Topic: Car Insurance. (Read 5398 times) |
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Phil_Waller
Full Member
GSO Person
Posts: 443
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Car Insurance.
« on: Sep 29th, 2004, 4:19pm » |
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Hello,
My first real topic in here as a new Scorpio owner.. Rather than having to be teacher all of the time over at the GSO Forums...
Anyway, I am sure this has been discussed before, I know it has on the GSO site, I am trying to get good value for money insurance quotes for the 2.3 Ultima that I am picking up on Saturday.
I have been quoted from £420 - £700 by various insurers. I know there is a difference in cover by some..
I just wondered if there was any recomendation. A month ago I would have recomended the AA but they have let me down badly. Last year I had a 24v Granada and to change the car to a 2.3 Ultima they want another £100 on the quote!
My cheapest quote so far is First Alternative at £417.00
I am 30 and have been drining since I was 18 and have the equivilent no claims record. The rest of my license is clean. Car parked on a drive in an easy going suberb.
Do you think that is as cheap as it will go for someone of my age and the type of car?
Thanks
P
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1998Scorpio 2.3i 16v Ultima
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craig
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hi phil..
all i can say is that i pay £335 (fully comp) with norwich union direct (not through a broker),it was £287 untill my "diagnosis",i also have the full no claims bonus,i also drive the 2.3 ultima...
dont know if this helps you..
regards
craig..
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Phil_Waller
Full Member
GSO Person
Posts: 443
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Re: Car Insurance.
« Reply #2 on: Sep 29th, 2004, 5:21pm » |
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Thanks Craig - I have tried them out and they are quoting £597 - I have had a tweak and I cant get it down anymore.
Are you much older than me - did you get a quote online or on the phone?
P
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1998Scorpio 2.3i 16v Ultima
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sparrrky
Newbie
I love YaBB 1G - SP1!
Posts: 11
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Re: Car Insurance.
« Reply #3 on: Sep 29th, 2004, 5:33pm » |
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Hi Phil,
I pay £372 for fully comp, it includes protected no claims bonus and also covers the wife fully comp, this includes an accident she had 3 years ago. and motoring legal protection,( £16.99) shes 29 (im 34) the car is a 2.9 12v ultima...and the company is esure, you can get it it cheaper by going online and paying in full, i however pay via d/d and of course im charged for this facility!
hope this helps
regards mark.
ps. can anyone roughly tell me (by careful town driving) how many miles roughly i can expect off a full tank?
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john.n
Full Member
I love my cossie
Posts: 721
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Re: Car Insurance.
« Reply #4 on: Sep 29th, 2004, 5:36pm » |
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Try Tescos, they do some good deals.john.n 
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Phil_Waller
Full Member
GSO Person
Posts: 443
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Re: Car Insurance.
« Reply #5 on: Sep 29th, 2004, 5:43pm » |
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I dont know why but Esure wiont quote me. Apparently I dont fit into their acceptance criteria...
I dont understand that. Clean license 10 years NCD, fully comp with protection.. What more do they want.. Do I have to be 30 or over?
I am only 29 at the mo.
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1998Scorpio 2.3i 16v Ultima
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Phil_Waller
Full Member
GSO Person
Posts: 443
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Re: Car Insurance.
« Reply #6 on: Sep 29th, 2004, 5:47pm » |
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Ahh - If I am 30 they will have me but FistAlernative seems to be the way to go - they are still cheaper.
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1998Scorpio 2.3i 16v Ultima
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craig
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hi again phil
i'm 38 (  ),and got the quote on the phone,ive been with them for 4 years now,every time i get the renewal each year (and it always goes up),i phone them up to complain (honestly),and each year for my persevernce (and possibly sheer cheek ),they always knock a little off.....
this i found rather strange,phoned them up and asked to have wifey put on the insurance as a learner with a provisional license,my actual premium WENT DOWN  ,they told me that even though amanda was a learner (aged 37 BTW shhhhhhhhh ),i was a lesser risk because we are a married couple
personally i think they just make up these figures,and if you have the nerve to haggle,i think they have some margins to play with....
good luck
craig..
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Lee_allen
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Phil
I have just renewed mine £397 for fully comp plus legal cover and protected no claims!
thought this was a decent deal and this included having the boss on there as well, looks like you best get married mate to get the price down!!
R
Lee
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Lee_allen
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oops it was with direct line!
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phuturephantasy
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I am 35 with 1 yrs no claims (been driving for a year now - wahey !) I have a Scorpio 24v Cossie and I am now paying AXAdirect £440 Fully Comp - cheapest by a mile = try this website, Very good -
http://www.insuresupermarket.com/motor/default.asp
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Paul B
Senior Member
'98 24V Ultima saloon
Posts: 2442
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Re: Car Insurance.
« Reply #11 on: Sep 29th, 2004, 8:48pm » |
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Hi Phil.
I'm now 35 (GULP!) and also tried e-sure, although I think it was the year before last. Anyway, just like you, I didn't fit their criteria. It seems a squeaky clean record counted for nothing.
I must have tried every company going, but finished up with Tesco in the end. 480-something on the Cossie.
And when comparing yourself to Craig, don't forget that your postcode will make a difference. Whereas we're near 'the smoke', Craig's from the tranquil west country. No car theft down there surely
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Two hundred & seven horses and only one jockey!
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Ultima_Bloke
Full Member
Ex Ultima Hatchback Owner
Posts: 378
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Re: Car Insurance.
« Reply #13 on: Sep 29th, 2004, 9:53pm » |
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Hullo all, as a 29 y/o, scorp 2.0i driver, i find zurich direct 2 b the best deal each year since ive had my scorp!! I always phone round, each year, playin 1 company against another, but still zurich, come up trumps 4 me!!!
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Vulcan
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I insure both cars (2.9 Scorp and 1.6 16v Orion) for both me and Kerry, who is a new driver only passed 5 months ago, fully comprehensive with £150 excess for £700. Norwich Union through Swinton, I see it as fairly reasonable as when I tried other insurers I couldn't get it under a thou... I have tried everywhere.. 
All got to do with postcodes apparently....
btw I am 45 with a full no claims bonus for eons...
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Steve_S
Full Member
1997 scorpio ultima 2.9 24v lpg
 
Posts: 655
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Re: Car Insurance.
« Reply #15 on: Sep 30th, 2004, 12:56am » |
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WWW.tesco.com
They insure my cossie for about £330 full comp
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Steve S
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Fitzy
Full Member
WILMAAAAAAA !!!!!!!!!!!!
Posts: 254
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Re: Car Insurance.
« Reply #16 on: Sep 30th, 2004, 1:56pm » |
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I'm with Norwich Union Direct, £427 fully comp 3 yrs no claims and 3 points includes me wife Angie too. Was with Churchill but they couldn't even match this with TPFT. BTW i have got a £320 voluntary excess on policy and free legal cover, best i could find no one else could get within £150 of this price.
Premiums are all based on postcode, age, no claims, points, obviously type of car ie: engine size and security features, whether its parked on the road or garage or drive or even private carpark. When i was doing mine it got cheaper when i volunteered a higher excess, said it was parked in private residents car park and included wife on policy, you are classed as safer if you are marrried.
Plus it also depends on the time of day and how the companies shares are doing on the stock market, read this in Auto express magazine few months ago, they tried the same five companies with exactly same details at 9am, 11am, 1pm, 3pm and 6pm and the premium varied by as much as £300 across the day, when they later interviewed the companies involved they explained why the price varied so much and the main factor was the stock market, also if they have a bad day with a few claims going against them that will also push the price up, so overall it is really a lottery as to what price you get on the day.
HTH
Fitzy
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DON'T KNOW HOW OR WHY I DO IT......BUT I LOVE IT...........
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wumpster
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wished mine was as low as 700 i use mine for taking company executives about and mine in a 1,865 rip off or what
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bubbles
Newbie
Scorpio Ultima Estate
Posts: 23
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Re: Car Insurance.
« Reply #18 on: Oct 1st, 2004, 9:22pm » |
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Hello,
I pay £325 Fully Comp with Norwich Union Direct for a 2.3 Ultima Auto Estate. Includes my wife, protected no claims, and legal services.
I do have a fairly high excess of £320 which reduced it a little more.
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Phil_Waller
Full Member
GSO Person
Posts: 443
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Re: Car Insurance.
« Reply #19 on: Oct 5th, 2004, 7:46am » |
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Have signed up with First Alternative. They were the cheapest at £417 after trying about 15 different places..
Ironic - I will be 30 in a months time when a lot of these companies will offer me cheaper insurance and some of the ones that wont quote me will..
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1998Scorpio 2.3i 16v Ultima
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