General whine about insurance

[Conian]

My daily driver is an old 944, love it to bits but not so keen on fuel bills.
A friend of mine has offered me his old 1.9 SDi Polo, dirt cheap (out of guilt for selling me a duff xbox) and it returns 55+mpg no trouble.

So I go compaaaaaaaaaaaaaare for a quote.... and for reference, I'm close to 40, dont have full no claims as I was without a car for a few years and it went back to zero, live in a very low crime area, park on a driveway and my 944 is about £250 fully comp

I can get the Polo for about £325 so put that value on the website...
cheapest quote is £311, and thats with me saying i dont drive in peak times, less than 10k miles a year

How can a snotter of a car worth 300 notes, with less that 70bhp, cost so much to insure??
So i start messing around and find that if I put that value at £5000, do 15,000 miles a year, 10,000 of which are business miles, I can get the quote to just under £300

3rd party fire and theft was more expensive

whats the logic to this? is there logic to this?

[marshalla]

It's not just about the damage that can be done to your car - it's about the damage you can do to others.

[Conian]

im sure i could dent someone more in a 944 than i could in an under powered shoppingmobile!

[Cledus Snow]

Is the Polo quote fully comp? I got some insurance quotes on a £250 Datsun Stanza (Don't ask.) £653 third party only, £140odd fully comp.

[Noger]

Snotter = I don't care about my car, and thus probably don't care about what I do to it or anyone else
Third Party only = I don't care about my car, and thus probably don't care about what I do to it or anyone else

944 that you "Love to bits" = going to be really really careful.

Maybe ?

[otolith]

^^^ this.

[Soovy]

944s are loved and cared for by enthusiats who drive carefully.

Polos are abused and treated like snotters, and driven by people who don't care.


Either one can hit a Bentley or a bus queue, but try to guess which is more likely to.

[Rawwr]

Soovy said:

944s are loved and cared for by enthusiats who drive carefully. Polos are abused and treated like snotters, and driven by people who don't care.Either one can hit a Bentley or a bus queue, but try to guess which is more likely to.

The one being driven by a woman.

[Conian]

true about the bus queue i spose, maybe i should increase the value of my 944 n see how cheap i can get it, must be worth £100k surely

[Riknos]

Good few guesses here, but the short of it is this:

Conian said:

is there logic to this?

No.