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        General >> Insurance Matters/Advice >> INSURANCE MATTERS
        
(Message started by: Snoopy on May 9th, 2009, 5:08pm)
Title: INSURANCE MATTERS
Post by Snoopy on May 9th, 2009, 5:08pm
Well here it is what you asked for ! A new Topic on Insurance

Use it wisely.  :D

Admin
Title: Re: INSURANCE MATTERS
Post by Gazza_UK on May 9th, 2009, 6:20pm
Well I better be the first then  ;D

Best quote for me by £100 and im 50yr old
Max no claims THATS 20YRS ( non fault )


£346.50 annual premium
 
The premium includes your discount for buying online and your promotional offer - FREE CHURCHILL BREAKDOWN SERVICE FOR THE FIRST YEAR OF YOUR POLICY.  
 
Quote valid until:  6/8/2009
Car make:  FORD   SCORPIO 2.3I AUTO   GHIA 4DR
Cover level:  Comprehensive  

--------------------------------------------------------------------------------

Legal assistance:  Yes
Breakdown Cover:  No

NOW I THOUGHT THEY DID BREAKDOWN FREE AS PER TV ADVERT  ???
Title: Re: INSURANCE MATTERS
Post by Tons_of_fun on May 9th, 2009, 9:59pm
Just as a point of intrest, Adrian Flux will offer you a "cherished" policy for your scorpio. Im currently with them & found them to be the cheapest by quite a bit. Only downside to a cherished policy is the limited mileage clause. 5000 p/a.  :-/Other than that i've found them to be pretty efficient.....Which makes a change  ::)
Title: Re: INSURANCE MATTERS
Post by Jonnycab on May 11th, 2009, 1:30am
I've had my MK1 Granny insured with Adrain Flux on a classic policy for a few years now & have found them to be just about the cheapest around  :).....It's limited to 1500 miles a year, but it's fully comp & cost just £109 for both me & the wife to drive  8)
Title: Re: INSURANCE MATTERS
Post by Waglet on May 11th, 2009, 8:12am
swiftcover.com You speak to no one. All on line. £164.00 24V. That'll do for me  ;D
Title: Re: INSURANCE MATTERS
Post by ultima4 on May 13th, 2009, 8:38pm
hi just had my insurance renewal set to me by swiftcover.com  £187 fully comp .for a 1998 2.3 scorpio  of course 7 years no claim. not bad aye folks.
Title: Re: INSURANCE MATTERS
Post by tonyboy on May 14th, 2009, 7:34pm
Hastings essentials £209 fully comp 1997 2.9 24V Cossie full no claims
Title: Re: INSURANCE MATTERS
Post by podge on May 21st, 2009, 3:29pm
Just tried Swift.com

£370-22.      £350 excess.  over 5 years no claim

I think Iam being penalised for being over 70, and having a Manchester post code?

Podge
Title: Re: INSURANCE MATTERS
Post by podge on May 21st, 2009, 5:17pm
The lowest quote so far is>

Liverpool Victoria.
£231-94.   £300,  excess  
Legal cover   YES.
No claims cover   YES.

May be going for this quote. ::)
Podge.


Tonyboy - Hastings was £279-83    excess £250.
Title: Re: INSURANCE MATTERS
Post by gost on May 21st, 2009, 6:30pm
Liverpool victoria just quoted £662,   pass
Title: Re: INSURANCE MATTERS
Post by rich1 on May 21st, 2009, 8:08pm

on 05/21/09 at 18:30:38, gost wrote:
Liverpool victoria just quoted £662,   pass


how much :o :o
Title: Re: INSURANCE MATTERS
Post by mick_66 on May 21st, 2009, 8:39pm
Just tried swiftcover.com......... :-/ quote unavailable........ lmao...a knock back!!!  ;D

there loss...over 20 yrs driving , over 7 years ncb, no points for over 10 years. age 42

am baffled to why????  
Title: Re: INSURANCE MATTERS
Post by Highlander on May 21st, 2009, 10:24pm
I do believe some Glasgow postcodes are rated behind only central London and Belfast as "risk" areas.. possibly that?
Title: Re: INSURANCE MATTERS
Post by mick_66 on May 21st, 2009, 11:18pm
Yeah ur prob right there about postcode area's, my insurance is n't up till august..I thought ad give it a try..currently jus under £400 for me n the wife full comp.

          cheers   :D
Title: Re: INSURANCE MATTERS
Post by gemeg22171 on Jun 29th, 2009, 11:30pm


     Just got my renewal from Saga, £168 fully comp.

     £5 dearer than last year. Can't find a cheaper deal.
Title: Re: INSURANCE MATTERS
Post by wumpster on Jun 30th, 2009, 12:53am
got my mk3 and td scorp for £205 fully comp 4999miles per car and free recovery
Title: Re: INSURANCE MATTERS
Post by Highlander on Jun 30th, 2009, 10:13am
Sounds a good deal apart from having to replace the speedos every three months!  }{
Title: Re: INSURANCE MATTERS
Post by philipcurtis100 on Jun 30th, 2009, 7:15pm
u only do 20 000
i do 30000 and i lie on all my insurance as im 21
it costs a fortune
Title: Re: INSURANCE MATTERS
Post by Highlander on Jun 30th, 2009, 7:31pm

on 06/30/09 at 19:15:27, philipcurtis100 wrote:
u only do 20 000
i do 30000 and i lie on all my insurance as im 21
it costs a fortune


Thats all very well until theres a claim made on your insurance ;)

Its VERY common for insurance companies to trawl car forums for info enabling them to wriggle out of liability in respect of claims (look at some of the threads on the performance and modified forums)

And if your username is your real name then it shouldnt take them too long to find the above statement via Google in a month or two! ;)
Title: Re: INSURANCE MATTERS
Post by gozz on Jun 30th, 2009, 11:06pm
Indeed,the name of the insurance game is to do the utmost not to actually have to do what you pay them for,at least cover your costs.Even when you are 100% straight,they will move heaven and earth to avoid paying anything.You can pay them for thirty years,but if you have the'temerity'to make a claim,all that is of no consequence,and up goes your premium  >:(
                                         GOZZ.
Title: Re: INSURANCE MATTERS
Post by TRACEYS_LIMO on Jul 4th, 2009, 9:13pm
one swiss company would not even come and see the car when some lowlife hit my bumper and broke it  and they claimed they had no repairers in sussex or kent and i would have to get my own quotes and sent them in at which point the company would right it off because of age it makes you wonder what fully comprhensive actully means. there latest adds i believe should have an age warning and area warning if your car is over 10 years old or you live in the wrong place you can forget it  >:( rant over
Title: Re: INSURANCE MATTERS
Post by Pegasus on Jul 17th, 2009, 4:53pm

on 06/29/09 at 23:30:51, gemeg22171 wrote:
     Just got my renewal from Saga, £168 fully comp.

     £5 dearer than last year. Can't find a cheaper deal.


Hope you don't need to claim - I did and have never dealt with such a bunch of pr*ts. The other person involved was also with them - I met him a couple of weeks after the prang and he felt the same - they couldn't even give him an address for him to write and complain!  >:(
Title: Re: INSURANCE MATTERS
Post by pinto on Jul 17th, 2009, 5:32pm
Just changed my 2300 ghia to a 24v ultima on renewal.... i was mortally offended by the increase from £23 a month to £26.....  ;D
Title: Re: INSURANCE MATTERS
Post by gemeg22171 on Jul 17th, 2009, 8:42pm

on 07/17/09 at 16:53:30, Pegasus wrote:
Hope you don't need to claim   >:(



               
                  Believe me so do I........




                               
Title: Re: INSURANCE MATTERS
Post by Pegasus on Jul 17th, 2009, 9:13pm
I did - what a nightmare - was talking to different parts of the company that weren't talking to each other - I had to do all the chasing (even had to get the garage to try & sort out - -owner said he had to deal with them year before about an old lady's car - said they reduced her to tears) - they didn't even send the assessor to look at my car, just some kid with a camera and on the pics decided it was a cat D write off - what wasters - and they said given the age of car if I just damaged the wing mirror next year they'll write it off.  :o

Not 1 word from them at anytime during the claim - except now they're asking me to renew.  ???

They've got 2 chances of that - 1 slim, the other fat.  :P


rant over
Title: Re: INSURANCE MATTERS
Post by Gazza_UK on Jul 18th, 2009, 11:57pm

on 06/30/09 at 19:31:29, Highlander wrote:
Thats all very well until theres a claim made on your insurance ;)


Very true re my XR4x4 it was totaly standard and I mean TOTALY standard right down to the radio cassette and then 3 engineers came round ( at differant times )to Measure the height of the car to the arch even checked the wheels and tyres were standard they were 165/55/14 ( I think ) one engineer told me if they were 175/55/14 or 165/60/14 etc then thats it insurance is. . .
NULL AND VOID

then it was bonnet up and checked the engine code  and look for NOX and TURBO then I said . .  
"mate its bog standard as when it came out of factory"

Oh ok we can see that now but even if you lowered it by 5mm then thats it no insurance he said thats how they get out of paying you he said so When they ask you has it been modified in any way and you say NO then lets say you lower it 5mm then guess what . .  
Yep null and void
Hope this helps you all out if you do any thing like bigger tyers smaller wheels {}

for gods sake  TELL them
Title: Re: INSURANCE MATTERS
Post by Snoopy on Jul 19th, 2009, 8:29am
I quite agree, If you do ANY modification to your car even to replacing the radio INFORM your insurance co ... IN WRITING .... and keep copies ask them if it affects your insurance before you do any mods.... I fitted full leather in mine. I told the insurance co it does not cost very much and that way they are unable to use the get out clause written in MOST policies about informing them.

In my previous life...I have seen so many people end up with just basic 3rd party insurance after accidents because they failed to tell insurance companies of very small modifications even wheels and tyres.
Title: Re: INSURANCE MATTERS
Post by wumpster on Jul 19th, 2009, 7:03pm
i only do 10,000 miles in the scorps but cover 60,000 a year in me 530D
Title: Re: INSURANCE MATTERS
Post by lleewar on Nov 18th, 2009, 8:00pm
I'm with computerquoteinsurance.com. My premium is 135.50 2.0 16v full no claims, protected and legal cover but with no breakdown.
Title: Re: INSURANCE MATTERS
Post by Chieftain on Dec 22nd, 2009, 11:09am
Just had renewal forms £208 including second driver legal fees etc, recovery so quite happy with that for a Cossie.  this is via my broker who always seems to have looked after me.  Actual insurance is with Fortis.

Happy Christmas one and all.
Title: Re: INSURANCE MATTERS
Post by londonajay on Dec 29th, 2009, 1:39pm
so jealous of all these premiums being boasted about!!  :-[I'm a new driver and my premiums are through the roof!  First car is this P reg scorpio ultima 16v 2 litre saloon.
I covered the length and breadth of insurers and ended up with admiral (groan after hearing stories on here)...

TpF&T £1400 after some minor "tweaks" and paying monthly.
Title: Re: INSURANCE MATTERS
Post by gozz on Dec 29th, 2009, 5:20pm
londonajay.
You should be an old bloke like me  ;D
                                 GOZZ.
Title: Re: INSURANCE MATTERS
Post by Robzere31 on Jan 10th, 2010, 4:56pm

on 12/29/09 at 17:20:21, gozz wrote:
londonajay.
You should be an old bloke like me  ;D
                                 GOZZ.


I am an old bloke.....well 40 anway  ;D, & still the best quote for my scorpio diesel is £650 TPFT.  :(

As I said in a previous post I was quoted £325 for 3.5L V8 BMW.
This was a couple of weeks ago, I can't see why the scorpio is so expensive to cover.
Title: Re: INSURANCE MATTERS
Post by Scorpio_Mike on Jan 10th, 2010, 10:43pm
How much longer before Scorpios can be put on 'Classic' insurance policies ?

Appreciate these policies are normally limited mileage but just curious as to what age a car has to be before it can qualify ?

My 1986 Sierra XR4x4 cost £103 / 3000 miles per year fully comp  ;D
Title: Re: INSURANCE MATTERS
Post by Gazza_UK on Mar 26th, 2010, 12:13am
WOW almost a full year LOL

Right been on all the go compare sites etc and the yellow pages ( Via Google )still around the £400 so went to Admiral and tried there Multicar. . . .

Mrs car 2.0 granny and my Scorpio  2.3 with mine full breakdown / recovery £444

both FULLY COMP  ;D result LOL

"Quote mike"
How much longer before Scorpios can be put on 'Classic' insurance policies ?
After 15 years so i was told  >:(
Title: Re: INSURANCE MATTERS
Post by NormanHall on Mar 26th, 2010, 6:43am
my renewal quote for 18k miles is £213 for 2.9 12v, mind I am 71


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