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mudcow007 |
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mudcow007 World Chat Champion
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mudcow007 |
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mudcow007 World Chat Champion
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Posted: 16:27 - 11 Jul 2017 Post subject: |
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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
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M.C |
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M.C Super Spammer
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P. |
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P. Red Rocket
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stevo as b4 |
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stevo as b4 World Chat Champion
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Joncrete Cungle |
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Joncrete Cungle World Chat Champion
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arry |
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arry Super Spammer
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Feasty |
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Feasty World Chat Champion
Joined: 01 Nov 2006 Karma :
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Posted: 09:01 - 12 Jul 2017 Post subject: |
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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... ____________________ 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). |
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dodsi |
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dodsi Dirty Carny
Joined: 06 Aug 2004 Karma :
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Posted: 13:20 - 12 Jul 2017 Post subject: |
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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. |
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M.C |
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M.C Super Spammer
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stevo as b4 |
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stevo as b4 World Chat Champion
Joined: 17 Jul 2003 Karma :
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Posted: 18:21 - 12 Jul 2017 Post subject: |
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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. |
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M.C |
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M.C Super Spammer
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andym |
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andym World Chat Champion
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arry |
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arry Super Spammer
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mudcow007 |
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mudcow007 World Chat Champion
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M.C |
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M.C Super Spammer
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dodsi |
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dodsi Dirty Carny
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 13:06 - 13 Jul 2017 Post subject: |
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M.C wrote: | Also if it's the quadraspazzed risk I don't get why motorbike insurance's still so cheap, surely there's much a greater risk of potatoing your girlfriend on the back of a sports bike, than there's crashing your Clio into a ditch. |
Very few bikers regularly carry a pillion. I mean, very few bikers with insurance, I except #BakhLayfers.
Every 2nd Daryyyl and Sho'nia crams their Corsa full of screaming yoof and puts it in a ditch within days of passing their test.
That's me thinking back to when I passed and about half of my peer group did have crashes, always with passengers on board. One chap put 5 of us through a hedge within 2 hours of being licensed up. Fun times, fun times. ____________________ Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
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haroman666 |
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haroman666 World Chat Champion
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M.C |
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M.C Super Spammer
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dodsi |
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dodsi Dirty Carny
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Nexus Icon |
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Nexus Icon World Chat Champion
Joined: 26 Aug 2010 Karma :
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Posted: 13:29 - 13 Jul 2017 Post subject: |
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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. ____________________ Greetings from Shitsville! |
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M.C |
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M.C Super Spammer
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Posted: 14:36 - 13 Jul 2017 Post subject: |
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Oh wow I could insure the supercharged Cooper S for the same as my boring Volvo. Ok now I'm interested |
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arry |
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arry Super Spammer
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M.C |
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M.C Super Spammer
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Old Thread Alert!
The last post was made 6 years, 327 days ago. Instead of replying here, would creating a new thread be more useful? |
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