Cheaper car insurance - Updated 14.03.08

bojangles_5

I agree with whoever it was that said to try Kwik Fit They were able to beat my last insurance company's quote by £220 and I had been with them for years.

Also try out Lennox Insurance on the Belmont Road Belfast 028 90658005 & West Street Carrickfergus 028 93368383 I always found them to be very good price wise.

I must also tell you something that will affect your car insurance price and that is the monthly payment schemes that most insurance company's have. If you can afford to pay your car insurance in one payment you can save over £100 as most company's will charge you for the pleasure of paying monthly.

System

The only time I've had to claim from Elephant was for a broken window after someone tried to take my car. They got me to take the car the same morning (Sunday morning) to their glass repair centre. I got the car back next day.

System

Try the NFU I found them cheapest last yr when updating hubbies insurance

BowlingforsoupNI

NI insurance has always been high ... what do we expect ... we have a 2 mph dunt and we claim for whiplash (Michael Schumacher can hit a wall at 180mph and get straight back into a car without complaint).  We are also prone to raising fradulent claims (e.g. a relation tail ended a car, got out apologised, exchanged details with the other driver, drove on and then found out that the car he hit had inherited 3 passengers all claiming whiplash - the driver had been by himself).  Another example is that a friend of mine wanted a new carpet but was to mean to buy one so I watched him deliberately pour paint onto his carpet  so that he could claim for a new one from his household insurance.

I know we are not the only ones doing this but, I repeat, what do you expect.  I believe however that there is a possible way out - but I don't think any insurance company would have the guts to do it.

We all have to accept that throughout life s**t happens which is one of the reasons why we have insurance.  The problem is that we are all paying for other peoples fraudulent claims.  Therefore lets stop insuring each other - get rid of liability insurance and third party insurance - the only person you insure is yourself (and other family members).  If someone is driving without insurance and has an accident then it is their tough luck.  Irrespective of whos fault the accident is they get nothing and have no redress ... they took a gamble and they lost.

We basically need to put a value on our own property and  lives.  If I believe my car is worth £20K and my life is worth £250K then that is what I insure myself for.  If someone else with the same car and standard of living tries to cut costs and insures their car for £5K and their life for £10K then, irrespective of fault, they will get a much lesser payout.

Given that the only persons who premiums are affected by a calim is yourself then this should reduce the stupid and fraudulent claims.

KDH

[glow=red,2,300]* Claps *[/glow] ::)

jj1488

i remember when i was told you are a young driver up until you are 25 years old now this figure has seemed to jump up to 35 years old.the insurance people make the whole thing up as they go along.

btw only two more years until i am classed as an old man.

arkonite_babe

I've made this thread sticky, as people are always looking for info on car insurance, this way it stays at the top of the board. Hope it helps everyone  :D

System

There's never any harm in trying the AA, particularly if you're an AA member.

wirm

I tried the AA and they were treble what everyone else quotes me!

arkonite_babe

I tried the AA and they were treble what everyone else quotes me!  :(

Funnily enough, they've been the cheapest for me. Came in at £449

wirm

lol! I will try them again!