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Desperate Help With Insurance

Discussion in 'A3/S3 Forum (8L Chassis)' started by imported_Strider81, Apr 27, 2005.

  1. 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 (£100).

    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 £2500 from elephant and I dont wanna pay that! /ubbthreads/images/graemlins/thumbsdown.gif
     
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  3. jojo

    jojo Looking for Boost!
    Staff Member Moderator quattro Audi S3

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    [ QUOTE ]

    Im 23 with one driviing convition (SP60) and one theft claim (£100).


    [/ QUOTE ]

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

    god_thats_quick Numptie of the highest order

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    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 £850 from Lloyds from memory.
     
  5. robthehungrymonkey

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    [ 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 (£100).

    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 £2500 from elephant and I dont wanna pay that! /ubbthreads/images/graemlins/thumbsdown.gif

    [/ QUOTE ]

    Mate, those claims etc. must be really w*nk, I'm with elephant on my '01 (made a difference) S3. Mine cost me £680, with 2 yeaars ncb, 10 months though, but still! MY renewal was 840 with admiral though.
     
  6. i have a 1.8t and i'm with elephant, i'm only 20 with a SP30 and cost me £1400 had i added my g/f b4 taking it out would have cost £1000.

    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. Markey

    Markey Active Member

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    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. Directline is one of the best for young drivers
     
  9. nickel101

    nickel101 Member

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    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. 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 /ubbthreads/images/graemlins/frown.gif, doing 85+ in a 70)
     
  11. jediknight

    jediknight Member

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

    Direct Line charge me £700 full comp

    Hope that helps
     
  12. jojo

    jojo Looking for Boost!
    Staff Member Moderator quattro Audi S3

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    [ 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 /ubbthreads/images/graemlins/frown.gif, 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 +£30 on the premium. Now got a clean record though /ubbthreads/images/graemlins/groovy.gif
     
  13. Defratos

    Defratos You’re Dethpicable!!

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    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 £2300 (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. IanL-S3

    IanL-S3 Member

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    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!! /ubbthreads/images/graemlins/smile.gif

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

    ianhg Member

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    if u have a years ncb then try greenlight
     
  16. C_Audiboy

    C_Audiboy Vroom Vroom

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    [ 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 (£100).

    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 £2500 from elephant and I dont wanna pay that! /ubbthreads/images/graemlins/thumbsdown.gif

    [/ 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 £800 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. 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. got my premium down from £2500 with elephant to £1500 with elephant by just adding my sister!!!!

    RESULT!!!!!

    /ubbthreads/images/graemlins/woohoo.gif

    /ubbthreads/images/graemlins/dancing.gif /ubbthreads/images/graemlins/dancing.gif /ubbthreads/images/graemlins/ok.gif

    thanks alot for the advice guys /ubbthreads/images/graemlins/bravo.gif
     
  19. jojo

    jojo Looking for Boost!
    Staff Member Moderator quattro Audi S3

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    [ QUOTE ]
    got my premium down from £2500 with elephant to £1500 with elephant by just adding my sister!!!!

    RESULT!!!!!

    /ubbthreads/images/graemlins/woohoo.gif

    /ubbthreads/images/graemlins/dancing.gif /ubbthreads/images/graemlins/dancing.gif /ubbthreads/images/graemlins/ok.gif

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

    [/ QUOTE ]

    Nice one, now go and drive it /ubbthreads/images/graemlins/devil.gif /ubbthreads/images/graemlins/bravo.gif
     
  20. IanL-S3

    IanL-S3 Member

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    [ QUOTE ]
    got my premium down from £2500 with elephant to £1500 with elephant by just adding my sister!!!!

    RESULT!!!!!

    /ubbthreads/images/graemlins/woohoo.gif

    /ubbthreads/images/graemlins/dancing.gif /ubbthreads/images/graemlins/dancing.gif /ubbthreads/images/graemlins/ok.gif

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

    [/ QUOTE ]

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

    Pontio Member

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    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..
     
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  23. 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!

    /ubbthreads/images/graemlins/fuck_you.gif

    /ubbthreads/images/graemlins/MexWave.gif
     
  24. Pontio

    Pontio Member

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    damn.. sounds like she dont need your money lol
     
  25. 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.
     
  26. jediknight

    jediknight Member

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    huh

    so if i put my mum on the policy as a named driver it will lower my price?????
     
  27. dickys3

    dickys3 Moderator
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    [ 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?
     
  28. Leon

    Leon Member

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    Mine went down a £100 as soon as I added my girlfriend....
     
  29. jediknight

    jediknight Member

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    just tried direct line and they added £50

    elephant reduced by £150 but it was still more than direct line by myself...

    nice trick to know for the future though
     
  30. Leon

    Leon Member

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

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