Quick insurance question

[DannyVTS]

Hi,

I'm currently insuring a group 14 car.. if i then say changed the policy to a winter car which was group 2-4 what would happen to the premium?

I think i should be able to insure a group 2-3 for 700ish, where as i'm paying 1300 at the minute. Would my money be lost?

Danny

[Mattt]

You generally get a refund.

[SlimRick]

You should get a refund of the difference in premium. Many places will charge an admin fee to change the vehicle.

[ZOLLAR]

Mattt said:

You generally get a refund.

What he said ^^^^
with such a difference in the insurance groupings there is likely to be some sort of refund even if they have had more claims for the lower grouped car.

Edited by ZOLLAR on Wednesday 20th October 08:20

[DannyVTS]

ZOLLAR said:

Mattt said:

You generally get a refund.

What he said ^^^^
with such a difference in the insurance groupings there is likely to be some sort of refund even if they have had more claims for the lower grouped car.

Edited by ZOLLAR on Wednesday 20th October 08:20

I was going to look at Saxo diesels, although dismally slow they are meant to be awesome in the snow and hit 60-70mpg

I doubt i will though, just taxed the VTS.. was just curious

[cmackay81]

DannyVTS said:

ZOLLAR said:

Mattt said:

You generally get a refund.

What he said ^^^^
with such a difference in the insurance groupings there is likely to be some sort of refund even if they have had more claims for the lower grouped car.

Edited by ZOLLAR on Wednesday 20th October 08:20

I was going to look at Saxo diesels, although dismally slow they are meant to be awesome in the snow and hit 60-70mpg

I doubt i will though, just taxed the VTS.. was just curious

the devil is in the detail.

check how much your insurance company will charge as a premium for changing cars, and remember you will have to change back again after.

[DannyVTS]

Standard Admin fee's are £17.50, but the last time i changed cars i just moaned a little and they wavered this off

[homerjay]

i changed my insurance in the 8th month from a 20k, group 17, bmw 123d to a 3k, group 8, mg zr 105 and i got charged about £45.

just renewed insurance today and my 123d was £505 for the year, but on this stty mg, they wanted £487

thats value for money..................

ok premiums have gone up, bit its still fkin nonsense

Edited by homerjay on Wednesday 20th October 11:04

[cmackay81]

doogz said:

Why is a diesel going to be better in the snow than your VTS?

Less power, less torque, and ever so slightly lighter.

Just buy skinny tyres for your VTS

agreed, a diesel won't help in the slightest on snow.

also to add, last winter does seem to have been a bit of an anomaly.

If you do really care about getting snowed in, get some tyre socks for around £40