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Yet another Insurance Thread ...

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Hi Suf

I called them today been with them 2 years but this time I said I wont renew then they said I will offer better price I think they said I will knock off £150 pounds. When you call them tell them other company's offering you £730 :) Then see what they say. I was shocked he knocked so much without no effort

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Hastings direct are who I have just insured with and they were 200 pound cheaper than Admiral for me

They do not seem to like modifications though :S

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Insurance companies are stupid, I see no sense in the way they work.

You're a more experienced driver than me with a better record yet I'm paying less for my insurance. Obviously my you have a more powerful engine but I wouldn't have thought it would make that much of a difference considering your NCB etc.

Since we're playing this game, there has been 3 crimes within a mile of where I live since last June...

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Hi Suf

I called them today been with them 2 years but this time I said I wont renew then they said I will offer better price I think they said I will knock off £150 pounds. When you call them tell them other company's offering you £730 :) Then see what they say. I was shocked he knocked so much without no effort

Just spoke to them, they don't like modifications at all, they won't insure mine as it's been remapped ....

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I use 1st Central for mine and the wife's astra.

Mines £360 including business travel. I read a lot of negative reviews on 1st Central but been with them a few years and never had any problems (although haven't had to claim).

I'm 26, 4 yrs no claims but no mods. Not sure what they are like for mods tbh as i used Adrian Flux a while back for mods.

Seems like yours shouldn't be that much more than mine! If at all

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10 crimes for my postcode in June, so in comparison yes yours is higher risk.

Try a specialist such as Sky or 1st central.

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hi, never had a bmw before...just got insured earlier this week...im with admiral -with their little box thingy...im paying £709...for 10 months or £857 for 12 months... i have no NCD...but i am 23 next month.

the car is standard, its a 320d SE 2003.

my postcode rating is a D ...which cant be right...nothing happens in my area(i don't think anyways) .... 111 crimes within a mile of my postcode :o...mostly anti- social behavior. quite a high number tbh :o

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just checked my really old address....crimes number of 377 in july :o crazy

EIDT--- forget that....my university accommodation area...is ridiculous...

http://www.crime-statistics.co.uk/postcode/LE30GH

then again while i was there just before my exams someone got stabbed at midday ... there was 3 stabbings that week alone :/

Edited by shaanaleem92

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Long term, the 12 month policy is better. At renewal, saying you've had 2 years license is a bigger discount that saying you've got 1 year 10 months (or whatever the numbers are). The saving from that extra 1 year NCB are much, much less than the difference of having an extra two months of license (at least, they were when I hadn't been driving long).

Over 1,000! Holy crap that's bad. I just checked our work address (I work at a uni), and it's 366. One of our other campuses is doing well at only 18 crimes!

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Long term, the 12 month policy is better. At renewal, saying you've had 2 years license is a bigger discount that saying you've got 1 year 10 months (or whatever the numbers are). The saving from that extra 1 year NCB are much, much less than the difference of having an extra two months of license (at least, they were when I hadn't been driving long).

Over 1,000! Holy crap that's bad. I just checked our work address (I work at a uni), and it's 366. One of our other campuses is doing well at only 18 crimes!

here's the great bit (i think)...admiral do this thing called bonus accelerator...so for the price of 10 months insurance...i get a full 1 years NCB ... somehow i figured this was the cheapest thing to do. ive had my license for more than 5 years now. by the time renewal comes round i would have had my license for just over 6 years. i wonder if having recently got my bike license affects the quotes i get given.

i know i didn't expect that much of a crime rate...your university location is much better in terms of crime rate... what city is it in if you don't mind me asking?

Edited by shaanaleem92

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I was looking at the accelerator thing not long after passing. With such little experience, it seemed that the biggest saving came from length of license held, rather than NCB. (Rough figures, but I think 1 NCB = £80 cheaper a year. 2 month extra license = £300 cheaper a year. You can see how they make their money from that scheme...)

Once you've had your license a while, it doesn't seem to make as much difference, the accelerator should be a better bet compared to a 17-18 y/o with no experience. Being a cynic, I'm not sure the insurance company would offer that option if they didn't benefit some way in the long run. My dad has a bike license too, and I don't think the car insurance people even know he has it.

I work in Oxford. I was surprised it's as low tbh, but the 18 crimes campus is a few miles away from the center and is located at a nearby village/surrounded mostly by fields.

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i see...yeah that does make sense...they would never provide something that wouldn't benefit them in some way.

yeah there doesn't seem much difference anymore...but since i was 21 insurance is cheaper than say the younger 17-20 year old. not cheap...just cheaper...

yeah i guess you right. they didnt even ask so no discount there. i did have 1 years ncb before but its run out since if not used it for 2 years (think how that works) so im not exactly inexperienced...alos got pass plus which does nothing tbh.

yeah oxford is a nice area i suppose

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762 crimes in my parents area (Willesden), 132 crimes in Watford...I'm paying £980 for my 645ci with Aviva, thats literally half of what Admiral wanted, 2 years NCD and im 27

(July 2015)

Edited by theworkerbee

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Mine is just over £500 in south-west London. I do have 15 (9 is max with my insurer) years ncb.

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My insurance is £701, no points, 5 years NCB, a work colleague who is a few years older, drives a Jag and has 17 points on his licence, just served a ban for speeding, not sure of his NCB, but pays £900!!!

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Just cancelled my policy with adrian flux.

After changing over from a 3.0 330ci with 4 seats, they wanted an additional £298 for the remaining 6 months on a Z4 2.5 Si ! f**k that.

cancelled & went to esure for less than what i'm paying on the 330.

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