I know its been done to death BUT...

[Groove]

Long story short, my current commute is 500 miles a week living at my parents (moved back after a relationship breakup).

Ive got a new job but no start date, it could be as late as christmas so im weighing up my options whether to rent a room close to work or continue commuting.

Im currently using my dads x type diesel, 50mpg and £115 a month to insure fully comp. If i was to move i would get a little run around as i would only be doing about 200 miles per week and id like to cut down my insurance bill.

My new job when i get it will give me a company van for 6 months, and then a car so its only temporary

ANYWAY;

How do insurance companies actually make their prices up?

I can insure a 2003 Toyota Corolla T Sport 1.8 (190BHP) fully comp for £870 and £1305 TPFT..

Same details my price for a 2000 Skoda Fabia Confort 1.4 (68BHP) is £1220 FC and £765 TPFT.

Finally a 1998 Astra Club 8V 1.6 (2.5bhp) is £1230 FC and £1196 TPFT.

Im 24, licence for over 4 years, bike licence for 7. Unfortunatly i have 0 NCB because i have never kept inurance long enough. No crashes, No points and kept in a garage.

The insurance on the skoda fully comp was actually CHEAPER if it WASNT garaged but more expensive TPFT.

I could just get a Yamaha Fazer insured fully comp for £130 a year but thats not much good for my 2 year old daughter. Yet.
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|| Past: 1991 Kawasaki ZXR 250 ~ 2003 Honda CBR 600 F Sport ~ 2004 Kawasaki ZX6R B1H 636 ~ 1999 Yamaha R1 ~ 1999 Kawasaki ZX6R J ~ 2004 Kawasaki ZX6R B1H 636 ~ 1998 Honda VTR1000F Firestorm ~ K1 GSXR 600 Track bike ~ K6 GSXR 1000 ~ 2006 Speed Triple 1050 || Current: 2005 R1 https://www.adrucore.co.uk