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  1. #1
    imported_Strider81
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    Desperate Help With Insurance

    Trying to get myself insured on my s3 as for the past 9 months while ive been finishing my degree i have leant it to my sister.

    Thing is when i bought it for insurace purposes i registered my old dear as the owner but now she wants all the paper work in my name and I also want to start collecting some NCD.

    Im 23 with one driviing convition (SP60) and one theft claim (Ł100).

    Please can anyone tell me where i can get a good deal or any ways of getting my premium cheaper!

    so far my cheapest quote was Ł2500 from elephant and I dont wanna pay that! [img]/ubbthreads/images/graemlins/thumbsdown.gif[/img]

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  3. #2
    jojo's Avatar
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    Re: Desperate Help With Insurance

    [ QUOTE ]

    Im 23 with one driviing convition (SP60) and one theft claim (Ł100).


    [/ QUOTE ]

    It's going to be expensive which ever way you look at it [img]/ubbthreads/images/graemlins/crazy.gif[/img]
    Goodluck [img]/ubbthreads/images/graemlins/ok.gif[/img]

  4. #3
    Numptie of the highest order

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    Re: Desperate Help With Insurance

    ummm... good luck... just try calling everywhere the places below might be a good start.

    Adrian Flux
    Direct Line
    Lloyds TSB
    Tesco

    I'm 23 with 3 years NCB and no points, no claims, in what I think is quite a good post code any mines only went below a 1k on last renewal. think the best was Ł850 from Lloyds from memory.

  5. #4
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    Re: Desperate Help With Insurance

    [ QUOTE ]
    Trying to get myself insured on my s3 as for the past 9 months while ive been finishing my degree i have leant it to my sister.

    Thing is when i bought it for insurace purposes i registered my old dear as the owner but now she wants all the paper work in my name and I also want to start collecting some NCD.

    Im 23 with one driviing convition (SP60) and one theft claim (Ł100).

    Please can anyone tell me where i can get a good deal or any ways of getting my premium cheaper!

    so far my cheapest quote was Ł2500 from elephant and I dont wanna pay that! [img]/ubbthreads/images/graemlins/thumbsdown.gif[/img]

    [/ QUOTE ]

    Mate, those claims etc. must be really w*nk, I'm with elephant on my '01 (made a difference) S3. Mine cost me Ł680, with 2 yeaars ncb, 10 months though, but still! MY renewal was 840 with admiral though.

  6. #5
    imported_Gibbsy
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    Re: Desperate Help With Insurance

    i have a 1.8t and i'm with elephant, i'm only 20 with a SP30 and cost me Ł1400 had i added my g/f b4 taking it out would have cost Ł1000.

    Do yourself a favour add a woman with a clean licence and no claims as an added driver makes a differance as you can see from my qoutes

  7. #6
    Markey's Avatar
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    Re: Desperate Help With Insurance

    I got a quote form Admiral online for 600 quid my renual from Tescos was 1500. Big difference.
    Thas is with an SP50 and a CU30.
    Best thing to do is ring around and eveywhere if you put in the leg work you will get good results.

  8. #7
    imported_Yaseen
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    Re: Desperate Help With Insurance

    Directline is one of the best for young drivers

  9. #8
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    Re: Desperate Help With Insurance

    jeez..

    just insured my 99 1.8T with Bell Direct for 450 with protected NCD, as have 5yrs.

    but kinda takes me back when I had a clapped our Renault 19 and that cost around 900 quid a year which was pretty much the value of the car...lol

  10. #9
    imported_Nigma
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    Re: Desperate Help With Insurance

    On average, what would you expect a single SP offence to add to the premium?

    (Think i may have just clocked up my first one last night [img]/ubbthreads/images/graemlins/frown.gif[/img], doing 85+ in a 70)

  11. #10
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    Re: Desperate Help With Insurance

    im 22 with 6 points and an audi S3 and 4 years NCB

    Direct Line charge me Ł700 full comp

    Hope that helps

  12. #11
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    Re: Desperate Help With Insurance

    [ QUOTE ]
    On average, what would you expect a single SP offence to add to the premium?

    (Think i may have just clocked up my first one last night [img]/ubbthreads/images/graemlins/frown.gif[/img], doing 85+ in a 70)

    [/ QUOTE ]

    Depends on the insurer, could be zilch, as most peoples have an offence or onother these days or in my case 3 years ago, it was +Ł30 on the premium. Now got a clean record though [img]/ubbthreads/images/graemlins/groovy.gif[/img]

  13. #12
    Defratos's Avatar
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    Re: Desperate Help With Insurance

    I'm 22, (turnin 23 soon) with Elephant, first time got a car under my name with "bonus accelerater" for the no-claims free, and I'm payin Ł2300 (it's a fair bit but I think pretty good considering it's the first time I have a car under my own name)

  14. #13
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    Re: Desperate Help With Insurance

    Remember that adding a female driver with experience (your mum) to policy may bring it down.
    i am with bell direct (sister of admiral and elephant - who i was with 4 years prev.) and it reduced my premium by 100.
    My mum lives in london and will never drive my car but hey if it saves me money - what do i care!! [img]/ubbthreads/images/graemlins/smile.gif[/img]

    try playing with the variables on the online quote systems and work out what is best for you [img]/ubbthreads/images/graemlins/smile.gif[/img]

  15. #14
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    Re: Desperate Help With Insurance

    if u have a years ncb then try greenlight

  16. #15
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    Re: Desperate Help With Insurance

    [ QUOTE ]
    Trying to get myself insured on my s3 as for the past 9 months while ive been finishing my degree i have leant it to my sister.

    Thing is when i bought it for insurace purposes i registered my old dear as the owner but now she wants all the paper work in my name and I also want to start collecting some NCD.

    Im 23 with one driviing convition (SP60) and one theft claim (Ł100).

    Please can anyone tell me where i can get a good deal or any ways of getting my premium cheaper!

    so far my cheapest quote was Ł2500 from elephant and I dont wanna pay that! [img]/ubbthreads/images/graemlins/thumbsdown.gif[/img]

    [/ QUOTE ]

    I think this is gonna be expensive whatever you try.

    S3+Young driver+conviction+No NCD = OUCH!

    I'm 25 with 4 years NCD, and elephant was my 2nd best quote at around Ł800 with protected NCD IIRC. Best quote came from Egg.com.

    As some of the guys have said try and get a female with a good record to go the main driver. It's probably your only hope.

    Good Luck......

  17. #16
    imported_Strider81
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    Re: Desperate Help With Insurance

    Cheers for the info guys will have the old dear on as the occassional driver then and do the leg work-will let u know how it goes!

  18. #17
    imported_Strider81
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    Re: Desperate Help With Insurance

    got my premium down from Ł2500 with elephant to Ł1500 with elephant by just adding my sister!!!!

    RESULT!!!!!

    [img]/ubbthreads/images/graemlins/woohoo.gif[/img]

    [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/ok.gif[/img]

    thanks alot for the advice guys [img]/ubbthreads/images/graemlins/bravo.gif[/img]

  19. #18
    jojo's Avatar
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    Re: Desperate Help With Insurance

    [ QUOTE ]
    got my premium down from Ł2500 with elephant to Ł1500 with elephant by just adding my sister!!!!

    RESULT!!!!!

    [img]/ubbthreads/images/graemlins/woohoo.gif[/img]

    [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/ok.gif[/img]

    thanks alot for the advice guys [img]/ubbthreads/images/graemlins/bravo.gif[/img]

    [/ QUOTE ]

    Nice one, now go and drive it [img]/ubbthreads/images/graemlins/devil.gif[/img] [img]/ubbthreads/images/graemlins/bravo.gif[/img]

  20. #19
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    Re: Desperate Help With Insurance

    [ QUOTE ]
    got my premium down from Ł2500 with elephant to Ł1500 with elephant by just adding my sister!!!!

    RESULT!!!!!

    [img]/ubbthreads/images/graemlins/woohoo.gif[/img]

    [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/dancing.gif[/img] [img]/ubbthreads/images/graemlins/ok.gif[/img]

    thanks alot for the advice guys [img]/ubbthreads/images/graemlins/bravo.gif[/img]

    [/ QUOTE ]

    thats probably the first and only time your sister will save you a grand! [img]/ubbthreads/images/graemlins/smile.gif[/img]

  21. #20
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    Re: Desperate Help With Insurance

    very well said Ian, however im sure if you tell her she'll find a way to spend the money you saved on her.. always do..

  22. #21
    imported_Strider81
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    Re: Desperate Help With Insurance

    lol! na she already owes me as i leant her the car and she saw the light n just bought herself a 04 3.2 quattro!

    [img]/ubbthreads/images/graemlins/****_you.gif[/img]

    [img]/ubbthreads/images/graemlins/MexWave.gif[/img]

  23. #22
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    Re: Desperate Help With Insurance

    damn.. sounds like she dont need your money lol

  24. #23
    imported_Gibbsy
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    Re: Desperate Help With Insurance

    Yeh i'd say adding a woman instead of using them as the named driver is cheaper, dont know why just seems to work that way.

  25. #24
    jediknight's Avatar
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    Re: Desperate Help With Insurance

    huh

    so if i put my mum on the policy as a named driver it will lower my price?????

  26. #25
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    Re: Desperate Help With Insurance

    [ QUOTE ]
    huh

    so if i put my mum on the policy as a named driver it will lower my price?????

    [/ QUOTE ]

    Give it a try! you may be suprised?

  27. #26
    Leon's Avatar
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    Re: Desperate Help With Insurance

    Mine went down a Ł100 as soon as I added my girlfriend....

  28. #27
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    Re: Desperate Help With Insurance

    just tried direct line and they added Ł50

    elephant reduced by Ł150 but it was still more than direct line by myself...

    nice trick to know for the future though

  29. #28
    Leon's Avatar
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    Re: Desperate Help With Insurance

    I am with elephant so that would make sense. Will try direct line next year.

 

 

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