Car Insurance?!

[mudcow007]

Looking at getting a banger as a 2nd car when i cant be arsed to get soaking wet on my Bandit or pedal bike.

I passed my driving test in 2003, i had one claim (50/50 fault) in 2006.

car im being quoted on is worth £300 (ford focus) annual mileage of 3,000 its £1800 fully comp

3rd part is £2842

what the funk has happened!?

my Bandit insurance is only £120 per year

[mudcow007]

ok so i thought it might be down to being an older car, so looked at a Ford KA 2007

annual mileage 1,000

SDC

car value £500

£1720

[M.C]

'Bangers' cost more to insure. Try something worth say 2 grand+. Also your claim that far back won't be a factor.

Generally car insurance's a massive massive scam though. Thankfully we're somewhat sheltered from it on bikes, not entirely sure why though.

[P.]

2001 Peugeot 206 2.0 diesel - £730 FC.
2009 Honda Civic Type R - £384 FC.

Da fuck.

My older Rover 75 was half the price of an Astra 1.4

Also, lie.

My annual mileage is around 2000 in the car now as I live opposite work.

I still list 8k.

[stevo as b4]

Buy a classic if it's a second car. 20/25years old depending on which insurer's criteria.

On a classic policy, NCB is normally not taken into account, and you don't accrue it either. Mileage is often limited though. Car generally if kept in same condition doesn't depreciate apart from subject to economic conditions.

Parts can be easy or a nightmare, but get something stylish that makes you smile and a good breakdown policy. Life is too short not to, especially if your household has a modern relatively reliable eco box for doing real distance in or all the practical and mundane journeys.

There's probably a qualifying classic out there for everyone too.

[Joncrete Cungle]

Make a fake personna with a different name, same year of birth, living in same area but not same address, same job etc and get playing on comparison sights. Don't do it all in your own real name / details as the insurance companys (in my experience) get feckin arsey as every quote you run appears to be saved to your name. To then be held against you when you do take out a policy for the car you buy. Car insurance I think they pick a number, double it and add at least one zero to it.

[arry]

Sorry, we're in quarter 3 now and this is the all important run-up to paying for the Christmas party.

Since Brexit the value of your currency we're spending on your behalf has taken a bit of a battering, especially where those special South American imports are concerned. The Champagne must come from the right region too and the Euro to GBP rates aren't doing so well, so we've had to strengthen reserves.

We can offer you finance though, at 140% APR - our friends the bankers are in the same pickle.

[Feasty]

I think it comes down to having a history of car insurance and your home location. Years ago our car was always under my wife's name so she got all the no claims and previous insurance history, and I had that on my bikes.
We then changed and I got a car too, so I insured on the cheaper car to build up my no claims. She's now got maximum no claims and I have a fair few years under my belt.
We own a 2012 4x4 170bhp Yeti, and a 2011 Aygo and combined they are less than £600 fully comp. I'm pretty happy about that...
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Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).

[dodsi]

We changed our insurance from a 2000 Toyota Avensis 1.8 petrol worth about £300 to a 2016 Skoda Superb 2.0 Diesel worth about 25K and basically paid an admin fee.

It makes no sense. as said - get a more valuable car.

[M.C]

[stevo as b4]

New cars are often cheaper to insure as sometimes they are made to be cheaper to repair or fit into a lower insurance group.

Things like Citroën C1/Aygo's are I think group 1/2 insurance where as an early-mid 90's obscure Japanese 1litre city car is a much higher insurance group for the same class and spec of car.

I'd guess that the more popular cars, with the cheapest spare parts and least complicated fitment are the cheapest cars to insure in any given class.

Cars like the first generation BMW Mini, are a nightmare as the bonnet and headlights are all built into one assembly, so your not simply going to replace a cheap light cluster for example.

Also when you take the front bumper off some modern cars things like VAG cars, you'll see how tightly packaged stuff is like PAS coolers, A/C condensers, intercoolers and radiators, and then there's sensors in the bumper, DRL's, temperature and proximity sensors and all sorts of shit.

A low speed frontal shunt could do many ££££'s of damage at new VAG prices for example.

Then there's 25 year old cars like mine, where the manufacturer folded up years ago, and they rotted well like many poorly built 80's& 90's cars. You can't get the body panels new anymore, so if good secondhand parts arnt available, your into making expensive repair sections. Insurance companies would write the car off well before thinking about that though.

[M.C]

I think new mini's are fairly cheap to insure. I'd have thought older cars would be cheaper as it's easier to replace panels etc., newer cars you tend to compromise the crash structure, which's an issue for the life of the vehicle.

I guess as newer cars come with better security (well in some cases) and city texting collision avoidance bollocks they're in lower insurance groups. Never really found that to be a defining factor with premiums though.

[andym]

I paid £540 for my mondeo and with 0 ncb I paid £800 TPFT last year and £440 TPFT this year, both with S,D&P with commuting.

[arry]

[mudcow007]

cheers I havent had a chance to get more quotes yet, but im thinking of getting a quote with my mrs on it an seeing if that helps

or as a 2nd car on our existing policy for the main car?

Maybe insurance peeps think if you buy a cheap car an plan on doing low mileage your gonna intentionally slam on in front of an artic to claim compo?

[M.C]

[dodsi]

[Rogerborg]

[haroman666]

Run my Clio: N515EPU

I pay £400 tpft with 6 points and a fault claim.

Annual mileage is 14k (reality is far less)

Only down as social and domestic though. No commuting.
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The mistresses: 2000 Honda CBR600f, 2000 Honda VTR1000

[M.C]

[dodsi]

[Nexus Icon]

66 plate Nismo 370Z. Value for first year, £40k.

I also paid £36 pa to increase pay out value by 25% to offset any adjustments.

1 non-fault claim in 2015 and 1 at-fault claim in 2013.

£500 excess (£250 voluntary + £250 compulsory).

Premium £330

There is something to be said for being an old twat with 30 years of car ownership behind me.

I have definitely cost the insurers of the world more than I've paid in premiums too, so I'm winning at life.
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Greetings from Shitsville!

[M.C]

Oh wow I could insure the supercharged Cooper S for the same as my boring Volvo. Ok now I'm interested

[arry]

[M.C]