[mx5-man]

Hi guys im having a rite nightmare trying to get insured on my mk1 1990, the prices are taking the biscuit

im 24 6 yrs driving 2 yrs no claims, with my mum and dad on it im getting quotes of ?1300 comp goes up to ?1800 for tpft ? whyyyyyyyyyyyy

cheapest so far was ?740 with bell comp but that still rediculous

i was hoping for around the ?300 mark comp

as im insured on my other car which is a 2007 ford focus st 2.5 turbo for ?380 fully comp group 18 insurance

so how can a little 1.6 convertable be such a take the [piss] to get insured on. I might have to sell it theres no way im paying so much for the insurance i only paid ?1400 for the car

any thoughts

thanks

 

[poopipe]

it's because it's an import. have a search and you'll find a thread on recommended insurance companies.

Go to someone like sky or Adrian flux who don't care if it's an import, you'll be looking at sensible prices and they'll let you modify it.

 

[Adam W]

Bell soted me out

Age: 22
Car: Eunos
Premium: ?690

 

[mx5-man]

ive had a quote from bell ?740 but in my opinion too much for a 1.6 lol i can get insured on most group 20 cars for under ?600 comp.

tryed adrian flux and they wont insure me being under 25

 

[URN]

Speak to A Plan on 01908 271771

 

[poopipe]

definitely worth trying sky too - they came in very cheap for me compared to flux and others this year.

 

[mx5-man]

definitely worth trying sky too - they came in very cheap for me compared to flux and others this year.

thanks guys are they open today????

 

[Quick Silver]

definitely worth trying sky too - they came in very cheap for me compared to flux and others this year.

thanks guys are they open today????
[/quote]
Nope

 

[Daz_2]

You need to try all of the names mentioned. Flux could be great for someone in here but crap for you, all the brokers mentioned use insurers with different underwriting criteria so no quote will ever be the same. I hate the "well I only paid 400" people because it's all a risk rate.

Postcode is one of the biggest risk rating questions there is. If you have another car insured I take it your bonus us on that one so you have nothing free for the eunos?
Try all of the insurers, but with the specialist take your parents off, they often discount your premium for being on your own. Normally a declared modified import will be cheaper to insure through a specialist than a standard one.

Daz

insuranceFactory.com

 

[mx5-man]

You need to try all of the names mentioned. Flux could be great for someone in here but crap for you, all the brokers mentioned use insurers with different underwriting criteria so no quote will ever be the same. I hate the "well I only paid 400" people because it's all a risk rate.

Postcode is one of the biggest risk rating questions there is. If you have another car insured I take it your bonus us on that one so you have nothing free for the eunos?
Try all of the insurers, but with the specialist take your parents off, they often discount your premium for being on your own. Normally a declared modified import will be cheaper to insure through a specialist than a standard one.

Daz

insuranceFactory.com

thanks for all the advise guys

 

[Don Phil]

i've a 1.6 Eunos, am 23 yrs old, no one would quote less than ?750 (with 6 years no claims!) other than aviva, of all people. ?481 including home start recovery from the RAC. Fully comp, with mum on as named driver (that reduced it by about ?150. Flux couldnt figure out how i'd got such a cheap quote from them, as they use aviva as one of their insurers!

to say im chuffed to bits is an understatement

. cant wait til im 25 so this stupid expensive under 25 bull*** is out of the way.

 

[Daz_2]

even though both insurers use aviva it doesn't mean they will quote the same price.

All insurers have hundreds of schemes that suit different brokers or clients needs.

For example equity red stars import scheme belongs only to Adrian flux, that us why they are normally so hot on imports

age and bonus are minimal in the grand scheme of things, postcode, use, job title, claims, convictions, age of car, driving experience etc all play a huge part.

There is no point comparing with other people, the only people you should be comparing prices with is yourself

oh and whenever you ask for a quote make sure you ask what the insurers annual premium is and also ask what the inception/admin fee is. Total them up and pay that. They normally con you inti thinking you are gettin loads of extras free when they are in fact at cost

 

[Quick Silver]

Seems to me that there's no order, semblance, rhyme or reason behind the methods that determine an insurance quote

 

[Midnight Racer]

Dont know if its worth a look but I got insured with Direct Line for Just over ?200 for the year at 30 with max no claims.

They told me it didn't matter that it was an import as its been in the country for years, it only mattered if it was a freshly imported vehicle. (this was after I asked because nowhere in their system asks if its an import)

the main thing is they dont appear on the comparison websites so often overlooked!

 

[Daz_2]

Seems to me that there's no order, semblance, rhyme or reason behind the methods that determine an insurance quote

there is but different insurers rate differently on different things. If there was a constant order or rhyme then everyone would quote the same and we would all insure with the same company, making specialists redundant.

 

[mx5-man]

Seems to me that there's no order, semblance, rhyme or reason behind the methods that determine an insurance quote

there is but different insurers rate differently on different things. If there was a constant order or rhyme then everyone would quote the same and we would all insure with the same company, making specialists redundant.
[/quote]

well good news guys ive got a friend who is going to add me to their traders policy as a named driver as i help him out every other weekend, and its only ?42 extra to add a named driver

fully comp

 

[Daz_2]

Just be careful with trade insurance. The cover and benefits aren't the same as private car. Check indemnity levels and such like. Traders don't normally cover mods.

Please look into it first and foremost

 

[mx5-man]

Just be careful with trade insurance. The cover and benefits aren't the same as private car. Check indemnity levels and such like. Traders don't normally cover mods.

Please look into it first and foremost

yea i will do deffinatley, i know what you are saying, i just want to be able to drive the damn thing lol its outside my house just waiting to be driven, i just tryed a quote with aviva as a comparison to what was said lol Your Quote:£1928.00 Per Month:£186.78

worst yet lol there is deffinatly a big mixture of sh*t quotes and not many good cheap ones

 

[Daz_2]

Email me your details or pm me. I'm back in work on Tuesday and will get a quote ran through for you.

 

[Quick Silver]

Seems to me that there's no order, semblance, rhyme or reason behind the methods that determine an insurance quote

there is but different insurers rate differently on different things. If there was a constant order or rhyme then everyone would quote the same and we would all insure with the same company, making specialists redundant.
[/quote]
After 12 years with the same insurance company I decided to phone around for quotes & the first company I rang said that I was only entitled to 6 years NCD so I explained to them that I had 20 years NCD & asked what information they were basing my quote on & if he had received any confirmation from my existing insurer. The guy said the maximum they will accept is up to 11 years but then suddenly decided he would be prepared to allow me 9 years.......WTF?

Several years ago i was involved in a bad accident with a fatality....an old guy had done a 'U' turn on a Dual-Carriageway & was heading the wrong way when the vehicle in front of me hit it head on. I had paid the broker up front for legal cover but upon notification, the broker simply offered my money back & said point blank that due to the severity of the accident, the legal dept would not defend me in court - he was reneging on the contract & I refused to accept the refund.

To cut a very long story short, I succeeded in forcing the brokers legal dept into defending my case & I later went on to win with a substantial payout.

So bollocks to all that nonsense, their quoting policies are as clear as mud, they're just out to claw as much money from the common motorist as heavenly possible.