Stupid arsing insurance.

[_Will_]

Yes, its another rant, but it reallly is starting to get on my wick.
These companies are taking fucking liberties, charging through the nose for something you have no choice but to have.

I've had my car licence 2, 1/2 years now, i'm 20 and the lowest i can get is £680tpft!!
This is on a shitty little <1ltr 3dr hatchback

Whats annoying is i pay £210 to be on the other halfs policy fully comp on a 1.4 04 206.

Made even more annoying is the fact i already pay stupid money on bike insurance.

Takes the piss, £1800 a year on insurance, fucking ridiculous.
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Past -Honda qr50 | 2004 Peugeot Tkr s 50| | 1996 Yamaha XJ600s Diversion|

[instigator]

[_Will_]

[LeeR]

Have you tried insuring your car with either the missus as the main driver and you as a named driver, or adding her as a named driver. It's what I did when I was younger and it reduced my premium.
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My claim to fame: Austin Vince nicked my pen...

[Phoenix]

Becoming 21 or 23 (don't you mean 25) won't make bugger all difference, each year it brings it down a tiny bit, along with each years no claims, I certainly didn't notice any drops, only rises when I hit 21. 25 i'll find out if it helps come renewal time.

If you can afford to replace the car try getting quotes on something bigger, small and cheap hatches are favoured by new, incompetant or irregular drivers so are often more expensive to insure than larger cars. Check your policy mileage too, it makes a massive difference, underestimate rather than overestimate it, remember if you exceed your mileage, you are still insured by law, they might just be a bit awkward come claim time, though I imagine more with fully comp claims.

And as for having a ZX12-R at 20, well to expect a reasonable insurance premium on that you have to be fairly insane.

[st3v3]

It is a absolte fucking joke mate, I cn get an R6 insured for £600, yet a 1.1 corsa costs £2K. Check in Miscs thread, my qoting for a MR2 tonight was >4K, fcking robbing twats. How the fck am I sposed to get a car an earn NCB at that rate? NS was only £220ish to insure, al this is TPO as well. Least you can get insurance on the OH's car, she can drive.

Argh, does my fucing head in. Mght try quoting for a bigger car though, 3Litre V6......... Not that I hold any hope out, what a set of absolute robbing fucking twats. I'm off to go cry like a stressed little emo girl.

Another thing, I can't hire cars either cos im not old enough for some and not had my license over 12 months for others. Like that Whiz-go shitscheme, they reqire you to be 21 or over and held your license for 12+ months, I'm neither atm. Trust me to fall into the 'gap'.
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Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Nb]

Its always been the same for car insurance, when i first started driving a crappy 1990 vauxhall belmont 1.6 i paid 1200 pounds a year for the insurance! The car cost 600 pound
Other than growing a fanny and tits all you can do is look for the lowest group car and insure it for a few years just to get around.
The reason its so expensive is simply because you pose the most risk, when i passed my test i was driving like a twat most of the time
Either way your gonna get raped on insurance until about 25 ish. And whatever you do dont crash!!
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Cbr1100xx blackbird gone, mk4 golf gt tdi chav now
Colin1 wrote 'Im grateful for what i can get, which isnt all that much.'
Columbus travel insurance are crap!! Do not use!

[Kickstart]

[Hetzer]

Ins should be taken over by the govt and provided at cost. It's a legal requirement, so these scumbag companies see it as a licence to print money. Criminal fvcking filth, the lot of them.
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"

[JonB]

A quick question related to young drivers insurance.

My renewal is due on the 31st March 2009, however I turn 21 on the 29th April 2009. Will the drop be that significant when I hit 21 that it would be worth being car-less for a month? Or do insurance companies insure much more accurately, i.e i'll be 20 and 11 months old and they will insure accordingly?

Not too bothered as I have put money back on insurance and a few online quotes have put out £450 FC on a 2007 Citroen C1, so not too shabby.
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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[trevoriv]

[The Shaggy D.A.]

[Kickstart]

Hi

In direct terms they probably don't make much. But they can then try and sell you other insurance, and also get the insurance premium in advance to invest (and if it is paid by direct debit then they still get it in advance from the credit company and probably get a fee as well).

The way they really do make money is from people renewing at full price, often far higher than they would quote for a new policy.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[iooi]

[trevoriv]

[Phoenix]

[Hetzer]

[iooi]

Has someone hacked Hetzer's account Is there a major problem with his keyboard to brain interface

Never ever heard him say anything good about the Gov and here is is saying that they should take over ins....
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Just because my bike was A DIVVY, does not mean i am......

[chris-red]

My dad joyfully reminds me that the first years insurance for him was £7.60. That was fully comp without shopping around he got it at the same shop as he bought the bike.
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[trevoriv]

[_Will_]

[Phoenix]

[Mal]

I used to work for a well known motor insurance company. In what they'd class as a "good" year, 95% of the money brought in as premiums would be paid out on claims. On a bad year you'd be looking at closer to 110%. Insurers make little/no money from the premiums, it's their ancillary products (things like their legal cover, installment protection etc) that make them the money.

Mal
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Current: 2002 FJR1300, 1999 Thundercat, Previous: 1998 XVS650 Dragstar

"In the end we're all just chalk lines on the concrete - drawn, only to be washed away."

[paulcdb]

[Hetzer]