insurance so high any reasons

[wizzbilly]

Is it me or is car insurance just getting to the point that your have to think if you can have certain car etc .

tried chap run arounds just to work and back little 1.0 engines with insurance pretty constant around the £800 area .for 1k sheds

nearly 30
full NCB but cant use them as on other car
been driving since 17
1 conviction minior 3 points
live in decent ara not in the city with offraod parking
mileage less than 1k year
hgv driver

anyone car to inform me where am going wrong or advise me of some respectable insurance companys that dont want to pull my pants down .

[pistonoobs]

It seems to go up and up each year. Your conviction wont help, and it wouldn't suprise me if they class you as a higer risk due to being a HGV driver. Insurance works oddly like that for some reason.

Dont use comparison websites either, they rip you off.

Try Admiral/elephant/bell. They have all been the cheapest for me for the last 7 years.

[wizzbilly]

i tried changing the occupation to factory worker etc made no diffrence , true value of car was 1k i put vale of car was 3k and it lowerd the premuim .

my current insurance company is qouting me nearly 2k and considering they are taking into account my other NCB they got told to swifftly bugger off

used to have traders policy 2years ago to drive any car upto 20k for less than what there qouting me on a 1.0 shed wouldnt mind but i would never claim on it would just scrap the shed

[davepoth]

Have you given a classic policy a go? They don't accrue NCB usually so they end up a bit cheaper in that respect, and with low mileage it shouldn't be a problem. I'm about your age, and with a DD40 (which is very, very bad) on my licence a Triumph Dolomite 1850 came out under £500.

[Greengecko]

Have you added two female family members? Even if they will never drive the vehicle. Change options to where the car is parked if you can store the car in that way, i.e. driveway may be cheaper than garage etc. Buy in advance, i.e 2 weeks before to reduce premium.

I suspect this does have a lot to do with postcode as well, see - http://www.carinsuranceexplained.com/car-insurance...

Not sure how the conviction changes, would imagine around 20-30% increase. Saying that my younger brother with 1 year NCB, in cat B postcode got insurance on a KA for £450 year at 19 - so yours does seem rather high.

[wizzbilly]

some good suggestions to try about adding the mother and misis to car .

have classic policy already on one of my other cars which is a 300bhp turbo car and flying machine with plenty of aftermarket extras all declared and pay £156.00 fully comp with lacater insurance

[14-7]

wizzbilly said:

Is it me or is car insurance just getting to the point that your have to think if you can have certain car etc .

tried chap run arounds just to work and back little 1.0 engines with insurance pretty constant around the £800 area .for 1k sheds

nearly 30
full NCB but cant use them as on other car
been driving since 17
1 conviction minior 3 points
live in decent ara not in the city with offraod parking
mileage less than 1k year
hgv driver

anyone car to inform me where am going wrong or advise me of some respectable insurance companys that dont want to pull my pants down .

Another classic post.

If you have full NCB you can transfer it from one car to another that you buy so you are doing something wrong.

The main problem I can see would be less than 1k per year. If you look at it that a person has a 1 in 3 chance of being involved in a crash then someone who does 10,000 miles a year is less of a risk than someone who does 1,000 a year.

I'll await a post slagging da po po off coz day as got et oot 4 u nd day iz duin it 2 get u.

But dunt wurry bruv, giv em a fals nam. Po po wil neva get ya coz u is da shiz nit! Fight da powa!

[wizzbilly]

wizzbilly said:

some good suggestions to try about adding the mother and misis to car .

have classic policy already on one of my other cars which is a 300bhp turbo car and flying machine with plenty of aftermarket extras all declared and pay £156.00 fully comp with lacater insurance

apparntly come in the catogrgy C area which is a city postcode but live 20miles away in the sticks

[davepoth]

wizzbilly said:

some good suggestions to try about adding the mother and misis to car .

have classic policy already on one of my other cars which is a 300bhp turbo car and flying machine with plenty of aftermarket extras all declared and pay £156.00 fully comp with lacater insurance

I've had a couple of cars at the same time with Lancaster - one of which I was using for a commuter car. I reckon that would be a good way to go.

[wizzbilly]

14-7 said:

Another classic post.

If you have full NCB you can transfer it from one car to another that you buy so you are doing something wrong.

The main problem I can see would be less than 1k per year. If you look at it that a person has a 1 in 3 chance of being involved in a crash then someone who does 10,000 miles a year is less of a risk than someone who does 1,000 a year.

I'll await a post slagging da po po off coz day as got et oot 4 u nd day iz duin it 2 get u.

But dunt wurry bruv, giv em a fals nam. Po po wil neva get ya coz u is da shiz nit! Fight da powa!

your problem is what exactly you retard .

As stated am currently using my NCB on my other car which i will be keeping so can not use the NCB twice .

And the reason only 1k a year is because goes to work monday morning and gets left there till friday evening and drives home but if told them did 10k year would be telling lies.

and whats up all because pigs cant do there jobs correct proven fact you dont like the truth .

Edited by wizzbilly on Tuesday 30th October 01:33

[Dave Hedgehog]

wizzbilly said:

14-7 said:

Another classic post.

If you have full NCB you can transfer it from one car to another that you buy so you are doing something wrong.

The main problem I can see would be less than 1k per year. If you look at it that a person has a 1 in 3 chance of being involved in a crash then someone who does 10,000 miles a year is less of a risk than someone who does 1,000 a year.

I'll await a post slagging da po po off coz day as got et oot 4 u nd day iz duin it 2 get u.

But dunt wurry bruv, giv em a fals nam. Po po wil neva get ya coz u is da shiz nit! Fight da powa!

your problem is what exactly you retard .

As stated am currently using my NCB on my other car which i will be keeping so can not use the NCB twice .

And the reason only 1k a year is because goes to work monday morning and gets left there till friday evening and drives home but if told them did 10k year would be telling lies.

and whats up all because pigs cant do there jobs correct proven fact you dont like the truth .

Edited by wizzbilly on Tuesday 30th October 01:33

if you get a multi car policy does it not allow your NCB to be used on all the cars in that policy?

[Pints]

wizzbilly said:

your problem is what exactly you retard .

As stated am currently using my NCB on my other car which i will be keeping so can not use the NCB twice .

And the reason only 1k a year is because goes to work monday morning and gets left there till friday evening and drives home but if told them did 10k year would be telling lies.

and whats up all because pigs cant do there jobs correct proven fact you dont like the truth .

Edited by wizzbilly on Tuesday 30th October 01:33

You really aren't doing yourself any favours.

If your insurance company is anything like mine, it states "no more than X miles per year". Stick it on 5k miles and just do a few more miles.
Doing 4 or 5 thousand a year is really quite easy.

[LoonR1]

The thing to remember is that insurance is primarily there (and priced) to cover the costs incurred for the damage you do WITH the car not TO it.

A cheap car has two problems, firstly that it is the type of car driven by young drivers, who tend to crash a lot. As such your profile of cheap car and no NCD for this car ticks two of the three boxes for a high likelihood of a claim. Your age has then worked for you and dropped the price from the silly quotes a teenager would get.

Secondly, cheap cars with no NCD driven by an older driver tend to be the ones used in stages accidents between two drivers where the other car then claims whiplash for the driver and their four passengers. Cost of one of these claims ( if paid) would be c£20000 including solicitors fees, hire car, compensation and write off value.

That's the explanation.