1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Recommend an insurance Company

Discussion in 'A4/A4 cabriolet/S4 forum(B6 chassis)' started by HuntsA4, Sep 20, 2005.

  1. HuntsA4
    Offline

    HuntsA4 Member

    Joined:
    Sep 4, 2005
    Messages:
    91
    Likes Received:
    0
    [Sep 20, 2005]
    Its time for the dreaded insurance renewal, anyone know of any Company sympathetic to the poor A4 driver?
    #1
  2. Ads

    Ads

    [Sep 22, 2014]

  3. TDI-line
    Offline

    TDI-line Uber Post Whore

    Joined:
    Oct 14, 2004
    Messages:
    9,055
    Likes Received:
    37
    [Sep 20, 2005]
    Adrian Flux

    Elephant

    Admiral

    Privledge

    Greenlight


    Take your pic... /ubbthreads/images/graemlins/beerchug.gif
    #2
  4. imported_bubstar
    Online

    imported_bubstar Guest

    [Sep 20, 2005]
    [ QUOTE ]
    Its time for the dreaded insurance renewal, anyone know of any Company sympathetic to the poor A4 driver?

    [/ QUOTE ]

    If you're that poor best get a Mreg mondeo /ubbthreads/images/graemlins/tongue.gif

    eSure are very good if you've been a good boy too.......

    My A4 is £349 with them , Which is pretty damm cheap IMO.

    BUB
    #3
  5. trekbiker
    Offline

    trekbiker Member

    Joined:
    Apr 3, 2004
    Messages:
    421
    Likes Received:
    0
    [Sep 20, 2005]
    use confused.com

    It seems as though norwich Union direct are very competitive at present. i'm with them at the moment. my renewal is £420. i have run a quote thru the above, then amended things such as the excess etc. With a 320 excess, i have got the policy down to £291!! I haven't told them (NU) this, but i will let my present policy expire without renewal, then take a new one out with them the next day, providing that there is nothing in the small print about new customers. If there is, then i'm sure that if the policy elapses for a day, then i will in effect become a new customer! /ubbthreads/images/graemlins/dancing.gif

    the 2 big supermakrets (going thru their sites) were the next best!
    #4
  6. kenny_boon
    Offline

    kenny_boon Member

    Joined:
    Jul 26, 2005
    Messages:
    422
    Likes Received:
    58
    [Sep 21, 2005]
    i found confused.com gave me really expensive quotes. use them to see who comes out the top 3 lowest then try those companies direct see what prices u get.

    im with elephant for my A4 quattro and paying less than £400 and im 26
    #5
  7. trekbiker
    Offline

    trekbiker Member

    Joined:
    Apr 3, 2004
    Messages:
    421
    Likes Received:
    0
    [Sep 21, 2005]
    sounds very good!
    #6
  8. peteA3tdi
    Offline

    peteA3tdi Member

    Joined:
    Mar 10, 2004
    Messages:
    408
    Likes Received:
    0
    [Sep 21, 2005]
    i'am with directline £731 for a 02 1.9tdi with 11 year ncb and i'am 35 (must be my post code)
    Privledge quoted £1200!!
    #7
  9. Platinum70
    Offline

    Platinum70 Member

    Joined:
    Jun 5, 2004
    Messages:
    194
    Likes Received:
    0
    [Sep 21, 2005]
    £731!!!!!

    I am 35, 6 years no claims, full business year for me and the misses, 30,000 miles per year, parked on drive, no tracker and I pay £420 with Norwich Union for '04 plate S'line A4.

    What on earth is your postcode!!
    #8
  10. HuntsA4
    Offline

    HuntsA4 Member

    Joined:
    Sep 4, 2005
    Messages:
    91
    Likes Received:
    0
    [Sep 21, 2005]
    thanks for the good advice chaps.

    The name that keeps apearing is Norwich Union, just gave them a call. £379, that for me and the missus 40yrs and 33 yrs respectively. A4 1.8T 190 sport, no tracker parked on drive 20,000 miles/p.a with Class 1 business use.

    Well chuffed, paid over £500 last year
    #9
  11. mikeA2B
    Offline

    mikeA2B Member

    Joined:
    Aug 26, 2004
    Messages:
    385
    Likes Received:
    0
    [Sep 21, 2005]
    Try Adrian Flux

    I'm 31, 6 points, 6yrs NCB, in Manchester, driving Audi A4 2.5 TDI Q Sport value £18k

    Premium £512
    #10
  12. domcj
    Offline

    domcj Member

    Joined:
    Nov 28, 2003
    Messages:
    50
    Likes Received:
    0
    [Sep 21, 2005]
    £502 per year with Liverpool Victoria, I am 33 with 3 point and 5 years no claim and thats with full class A business use and only £200 vol excess.

    Not bad I think
    #11
  13. imported_Macduff
    Online

    imported_Macduff Guest

    [Sep 21, 2005]
    [ QUOTE ]
    i'am with directline £731 for a 02 1.9tdi with 11 year ncb and i'am 35 (must be my post code)
    Privledge quoted £1200!!

    [/ QUOTE ]

    /ubbthreads/images/graemlins/shocked.gif

    I'm 35, have 10 years NCB, SP30, live in Bedford and have a 54 TDI 130 Sport with quite a few extras and I just renewed with Directline for £358. Even got the 0% deal over 12 months which makes it even sweeter. No-one could come close to them and they've been like that for me over the last 5 years.

    To be honest it's not worth recommending an insurance co. as what's good for one person may be rubbish for another. The only way is to do the finger work and fill in all those on-line quotes.
    #12
  14. GS65
    Offline

    GS65 Member

    Joined:
    Apr 19, 2004
    Messages:
    58
    Likes Received:
    0
    [Sep 21, 2005]
    Iam to old to mention full ncd and now with adrian flux for just over £400.I was with liverpool royal but they cancelled my policy after exhaust mod.Not many company's will cover modified cars.
    #13
  15. madvw
    Offline

    madvw Active Member

    Joined:
    Jul 26, 2005
    Messages:
    2,488
    Likes Received:
    2
    [Sep 21, 2005]
    for the first time ever in my life, Direct line were 300 cheaper for me this year on my s3. They quoted £650 for my S3... NUD wanted £980, and thats with maximum loyalty and employee bloody discount...

    you'll find that certain insurers have times in the month where they will offer rediculously low premiums for the sake of keeping their name as competitive, or making their target of new business.

    Another tip, and this is going to sound real harsh, is to make sure you get through to a UK call-centre. If you dont, just hang up, and re-dial. In all my experiences, its the UK call centres that genuinely try to help.
    #14
  16. Kevint
    Offline

    Kevint Active Member

    Joined:
    Jun 19, 2003
    Messages:
    1,182
    Likes Received:
    0
    [Sep 22, 2005]
    Direct line for me too.

    27, Full NCB 1.8T - £409 inc business use 25,000 miles.

    Kev.
    #15
  17. peteA3tdi
    Offline

    peteA3tdi Member

    Joined:
    Mar 10, 2004
    Messages:
    408
    Likes Received:
    0
    [Sep 22, 2005]
    i think i need to move out of london or d/line said if i spend £1000/1500 on a tracker and cat 1 alarm they will come down to around £680 so i will save all of £50 /ubbthreads/images/graemlins/crazy.gif
    #16
  18. mandyray
    Offline

    mandyray Member

    Joined:
    Sep 9, 2005
    Messages:
    196
    Likes Received:
    4
    [Sep 22, 2005]
    Do you all keep quiet about your mods unless the insurer asks?
    #17
  19. Kevint
    Offline

    Kevint Active Member

    Joined:
    Jun 19, 2003
    Messages:
    1,182
    Likes Received:
    0
    [Sep 22, 2005]
    [ QUOTE ]
    Do you all keep quiet about your mods unless the insurer asks?

    [/ QUOTE ]

    Now you've done it *ducks*.

    There is a long thread about this in the A3/S3 forum, perhaps about 4-5 months ago.

    Some do, some don't.

    Kev.
    #18
  20. mandyray
    Offline

    mandyray Member

    Joined:
    Sep 9, 2005
    Messages:
    196
    Likes Received:
    4
    [Sep 22, 2005]
    [ QUOTE ]

    Now you've done it *ducks*.

    [/ QUOTE ]

    Oops, I'll get me coat!
    #19
  21. Kevint
    Offline

    Kevint Active Member

    Joined:
    Jun 19, 2003
    Messages:
    1,182
    Likes Received:
    0
    [Sep 22, 2005]
    [ QUOTE ]
    [ QUOTE ]

    Now you've done it *ducks*.

    [/ QUOTE ]

    Oops, I'll get me coat!

    [/ QUOTE ]

    /ubbthreads/images/graemlins/lol.gif Yeah, it's just that the thread got a little heated with varying views and arguments - worth a read though.

    Kev.
    #20
  22. trekbiker
    Offline

    trekbiker Member

    Joined:
    Apr 3, 2004
    Messages:
    421
    Likes Received:
    0
    [Sep 22, 2005]
    my NU direct quote premium(£291 for a 2.5tdi 03 plate avant, 35 full NCB,3 points) will be the cheapest EVER insurance premium that i have paid in 17 years of insuring /ubbthreads/images/graemlins/woohoo.gif
    #21
  23. TDI-line
    Offline

    TDI-line Uber Post Whore

    Joined:
    Oct 14, 2004
    Messages:
    9,055
    Likes Received:
    37
    [Sep 23, 2005]
    I personally now include all factory fitted options like leather seats, folding mirrors etc. The insurers would always look for a get out clause if big pay out was involved.
    #22
  24. imported_Macduff
    Online

    imported_Macduff Guest

    [Sep 24, 2005]
    [ QUOTE ]
    I personally now include all factory fitted options like leather seats, folding mirrors etc. The insurers would always look for a get out clause if big pay out was involved.

    [/ QUOTE ]

    I think you'll find that most insurers would pay out for a standard car i.e. no options even when you've declared them and they've increased your premium because of them! That's one of the reasons for having to take out GAP insurance.
    #23
  25. imported_bubstar
    Online

    imported_bubstar Guest

    [Sep 24, 2005]
    [ QUOTE ]
    [ QUOTE ]
    I personally now include all factory fitted options like leather seats, folding mirrors etc. The insurers would always look for a get out clause if big pay out was involved.

    [/ QUOTE ]

    I think you'll find that most insurers would pay out for a standard car i.e. no options even when you've declared them and they've increased your premium because of them! That's one of the reasons for having to take out GAP insurance.

    [/ QUOTE ]

    Yeah, as discussed many many times before , that's how I understand it.
    /ubbthreads/images/graemlins/thumbsdown.gif
    BUB
    #24
  26. CJ A4
    Offline

    CJ A4 Active Member

    Joined:
    Nov 28, 2004
    Messages:
    2,664
    Likes Received:
    0
    [Sep 24, 2005]
    GAP insurance is to cover you on what you have left to pay to the finance companies whenever the cars value drops below what you have left to pay on it. Basically so you dont be paying for a car which is written off....but it has nothing to do with whatoptional extras you have on your motor /ubbthreads/images/graemlins/confused.gif
    #25
  27. imported_bubstar
    Online

    imported_bubstar Guest

    [Sep 24, 2005]
    In a roundabout way it does - It's been discussed before.

    Many insurance companies only base the pay out value on the standard spec's price.

    ie -You buy a car with a 26k basic price. Add a few bits and pieces (factory options) that add 2k to the price. If it's written off you'll be offered a price based on 26k less deprecation. /ubbthreads/images/graemlins/mad.gif

    Nasty
    #26
  28. imported_bubstar
    Online

    imported_bubstar Guest

    [Sep 24, 2005]
    Also CJ you get GAP in varying degrees - From basic 'bridge the GAP to cover outstanding finance' , to full invoice value or new for old within 3yrs.


    BUB /ubbthreads/images/graemlins/beerchug.gif
    #27
  29. imported_ronny
    Online

    imported_ronny Guest

    [Oct 30, 2005]
    I have been with all the usual suspects, Esure,NU and Tesco, and every year they kept putting the insurance up, I have always paid around 350 quid, but this year Esure wanted over £400.

    So I use Moneysupermarket.com for all my money needs now, and this year Swiftcover came out cheapest, £300 FC, 32 yrs old, bristol, 1.8T Quattro sport, 8 yrs no claims, no points etc, 2 accidents, none my fault.

    Also when you get cover with Swift, you get everything online, you can print out your insurance cert, you get any car cover, and you can change everything in your own control panel, it really is the best insurance I have had /ubbthreads/images/graemlins/smile.gif.
    #28
  30. hensoni
    Offline

    hensoni New Member

    Joined:
    Nov 25, 2005
    Messages:
    5
    Likes Received:
    0
    [Nov 25, 2005]
    The one company I wouldn't recommend is Audi insurance. Their broker is pants. Due to an error in their writing down a debit card number (which they had already taken funds from - so it definitely wasn't me) I ended up driving without cover for a while. On renewal, they went from free monthly payments to a significant charge without notification. Cheeky gits! They are cheap though - they were £40 cheaper than anyone else
    #29
  31. rickquattro
    Offline

    rickquattro Member

    Joined:
    May 24, 2003
    Messages:
    589
    Likes Received:
    0
    [Nov 26, 2005]
    52 plate A3 TDi Quattro, 43 yrs, full NCB..

    Direct Line £306 inc business use...

    No one else came within £250 of them.
    #30
  32. easytease
    Offline

    easytease cheesypeas

    Joined:
    Nov 21, 2005
    Messages:
    433
    Likes Received:
    0
    [Nov 27, 2005]
    im looking at a A4 x-reg. 1.8SE or 1.8T Sport. the insurance is gonna be about £1200 when i renew in june with 2 years NCD im 21, 10,000 a year kept on drive with a cat1 /ubbthreads/images/graemlins/frown.gif
    #31
  33. GSCollie
    Offline

    GSCollie Member

    Joined:
    Nov 20, 2004
    Messages:
    165
    Likes Received:
    0
    [Nov 27, 2005]
    Just been doing the insurance renewal rounds. With Sainsbury's at present but renewal quote was higher than that stated by money supermarket for Sainsbury and when I then did a quote through their own site still cheaper than my renewal, even though when I saked I was told that the best price is what they quote on renewals.

    /ubbthreads/images/graemlins/swear.gif.

    Anyway, am 32, an SP30, 6 years protected NCD on 12000 miles with an S4.

    Renewal quote = £928
    Privilege; Cheaper by a pound
    Directline; More expensive
    Admiral; More Expensive
    More Than; Won't quote
    Esure; Won't quote
    First Alternative; Won't quote
    The AA; didn't even bother as last time they were quoting £3K+
    Elephant; More Expensive
    Asbourne; More Expensive
    Confused.com; all more expensive
    NU Direct; You're probably getting the picture by now.
    Adrian Flux; Depends on what day and who you speak to but have a quote include modification cover on a like for like for £770

    The cheapest if I didn't have mods would be swiftcover.com which was £650 with a £150 excess, unfortinately they don't covered modded cars and refer you to Adrian Flux.

    Am purchasing my insurance on the 7/12 but Adrian Flux say in their quote letter that although they hope to hold the quote for 30 days it isn't always possible. Let's see what happens

    Hope this helps.
    #32
  34. gizze
    Offline

    gizze Member

    Joined:
    Dec 22, 2003
    Messages:
    615
    Likes Received:
    0
    [Nov 27, 2005]
    I have just gone to Adrian Flux, they were £130 cheaper than Tesco and that was with a remap where as Tesco was without.
    #33
  35. brixo
    Offline

    brixo Member

    Joined:
    Feb 5, 2004
    Messages:
    79
    Likes Received:
    0
    [Nov 28, 2005]
    After looking around for ages, I got the best deal through the supermarkets.

    Tesco last year - for my 98R A4 1.8T Sport - was £490 FC protected with 8yr NCD

    This year, Sainsbury's.

    03 A4 1.9 TDI Sport saloon. Valued at £13,000, parked off street, but not a garage, with business and 20,000 miles was £480 FC protected. Cost another £33 for my bird to be put on, shes only 23 too.

    I am 26, okish area (Henley-on-Thames, RG9), no points (yet) and in IT.

    Didn't think £480 was too bad.

    That's my £0.02.
    #34

Share This Page