Car Insurance Help .....

moneysaving_apprentice

Hi everyone,

This is my first posting so any help will be very grateful.

I am 30, Teacher based in London. I want to insure my bmw 316i Compact (1996). I have no NCB, driving for 9 years and have no convictions. I park my car in a Garage at home and do 1000 miles Annually as I don't use my car much.

My best quote so far is £1230. I have tried many other comparison sites and can't seem to find ant lower.

Can you tell me what else I could do to make it lower or is there any where else I could look at?

Many thanks

Premier_2

Have you tried following all the suggestions in Martin's guide?
http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance?

dogbot

That is good price for BMW, in london, that low miles and no NCD.

9 years licence and no NCD? have you been a named driver anywhere recently? If so you might get some mirrored NCD from this though that insurer so worth a try.

You can also try Direct Line and Aviva, plus some specialists - Coverbox and Insure the Box both have mileage based telematics schemes.

If you only do 1000 miles a year, do you actualy need a car? You would be far better renting a car when you need it - would be a newish car too rather than an older one - no worries about tax, insurance or breakdown.

Inactive

moneysaving_apprentice wrote: »

Hi everyone,

This is my first posting so any help will be very grateful.

I am 30, Teacher based in London. I want to insure my bmw 316i Compact (1996). I have no NCB, driving for 9 years and have no convictions. I park my car in a Garage at home and do 1000 miles Annually as I don't use my car much.

My best quote so far is £1230. I have tried many other comparison sites and can't seem to find ant lower.

Can you tell me what else I could do to make it lower or is there any where else I could look at?

Many thanks

How did you lose your NCB?

moneysaving_apprentice

Premier wrote: »

Have you tried following all the suggestions in Martin's guide?
moneysavingexpert.com/insurance/compare-cheap-car-insurance

Thanks for the reply Premier.

I have tried Martin's Guide: based on 10 Second Summary I have read and done exactly

Step 1: as Martin has suggested and as far as 'Tweaking my Job Title' goes I would assume being a Teacher is one of the lowest risk category.

Step 2: I did combine all the comparison sites and Go Compare gave me the cheapest.

Step 3: I did not find anything which would help when it comes to Cashback.

If there is anthing else you can suggest that would be really helpful.

Many thanks.

moneysaving_apprentice

dogbot wrote: »

That is good price for BMW, in london, that low miles and no NCD.

9 years licence and no NCD? have you been a named driver anywhere recently? If so you might get some mirrored NCD from this though that insurer so worth a try.

You can also try Direct Line and Aviva, plus some specialists - Coverbox and Insure the Box both have mileage based telematics schemes.

If you only do 1000 miles a year, do you actualy need a car? You would be far better renting a car when you need it - would be a newish car too rather than an older one - no worries about tax, insurance or breakdown.

Thanks for the reply dogbot.

I have had no NCB due to the fact that I have working abroad and have been here on and off for 9 years. Unfortunatly, I have had no mirror NCB either.

The reason I got a qoute for 1000 miles is that I would assume that this would give me the lowest premium?

If there is anything you can suggest I would be very grateful.

Many thanks.

corbyboy

What's your claim history?

moneysaving_apprentice

Inactive wrote: »

How did you lose your NCB?

Thanks for the reply Inactive.

I have never really had insurance due to the fact I have been abroad working and coming back.

iamana1ias

moneysaving_apprentice wrote: »

The reason I got a qoute for 1000 miles is that I would assume that this would give me the lowest premium?

You assume wrong. 20 miles a week makes you a horrendous risk, especially in London. Cheapest is usually around 8-10k miles per year.

moneysaving_apprentice

iamana1ias wrote: »

You assume wrong. 20 miles a week makes you a horrendous risk, especially in London. Cheapest is usually around 8-10k miles per year.

Thanks for the reply Iamana1ias.

I will look make another quote and see what I get.

Many thanks.

corbyboy

moneysaving_apprentice wrote: »

Thanks for the reply Iamana1ias.

I will look make another quote and see what I get.

Many thanks.

Shouldn't you be getting quotes based on what you actually drive rather than what gives you the cheapest premiums?