What are you paying for car insurance?

mgmgrand1

Just a quick survey to see if I am getting a good deal or ripped off.
I'm Male, 29years old, 2 years NCB, driving for 11 years, 3 points on my license, drive a 53 plate Seat Ibiza 1.2, Company Director, Self Employed, Manchester post code, less than 5000 miles a year, parked in a garage overnght: Quote: £957

chunkychocky

What car? Where do you park - on the road, driveway, garage? Dodgy area? Convictions and / or accidents? Too many variables to determine if that is a good price or not.

I'm Female, 36 years, Full NCB (been driving for 17 years with no accidents), Jumped a red light 4 years ago, park on the drive, only do 6000 miles per year, nice area, 2001 VW Polo 1.4TDi. I pay just under £300 including protected no claims, legal assistance etc.

DH, age 38, Full NCB, pays a little over £400 and that includes business miles, 16,000 miles per year for his 2008 Toyota (can't remember the type, but it is a huge estate) 2.0TD.

mikey72

I don't think there are any rules to it anymore. I used to think rural would be cheaper than town, but not according to our quote. And I don't know how it's this price either, compared to what others like yourself get charged. https://forums.moneysavingexpert.com/discussion/3971525

y2afuk

Manchester = high risk area. Also u only have 2 years NCD & 3pts results in your higher quote. Have a look at a comparison website just to get a feel if it's a competitive quote.

lisyloo

£223
female, early 40's, 8 years NCD, no claims or convictions
parked on driveway
protected NCD, spouse included, business cover, 8,000 miles
No breakdown, legal cover or accident insurance
Insurance group 16

A bit higher for husband to insure - around £260, but will probably do that to keep his NCD alive.

mikey72

y2afuk wrote: »

Manchester = high risk area. Also u only have 2 years NCD & 3pts results in your higher quote. Have a look at a comparison website just to get a feel if it's a competitive quote.

That would have been my theory, but

Just_Some_Guy wrote: »

Young people driving in big towns are less likely to have expensive high speed accidents than young people driving in more rural locations. You get more claims in towns but these are for bumper bashes which generally cost peanuts to put right, wallop someone at 60mph and you start getting into telephone number claim payments.

PollyOnAMission

£370
Female, late 20s, 7 years NCD, no claims or convictions, driving for 11 years.
Car parked on driveway overnight, Business class 1, protected NCD.
Insurance group 15 (4 year old Nissan Qashqai), 12,000 miles per year, courtesy car included, both parents as named drivers.

mikey72

I just checked ours, mine, group 17, £180, nothing extra, 9 years ncd. My wifes, group 7, £180 as well, 8 years ncd. Business use, courtesy car included. 15,000 mixed miles. My second car, £98 classic policy. Kit car, £120. Qualifying for saga quotes shortly.
(£30 cashback on the two £180 polices, so £150 in the end)

mikey72

mgmgrand1 wrote: »

Just a quick survey to see if I am getting a good deal or ripped off.
I'm Male, 29years old, 2 years NCB, driving for 11 years, 3 points on my license, drive a 53 plate Seat Ibiza 1.2, Company Director, Self Employed, Manchester post code, less than 5000 miles a year, parked in a garage overnght: Quote: £957

I would guess you're putting the occupation as company director, and the business is whatever you're in? That doesn't help prices I'm afraid. If you're a limited comany, is the car registered in your name, or the company name? Whoever is on the v5 needs to get the quotes, if it's the company, you can't use personal ncd.

InsideInsurance

Are you a company director and have a separate self employed job or just a company director? Legally, as a company director you are an employee of the company and not self employed (if you are just the later).

33 male, 4 years NCD, VW Eos 2L turbo 57 plate, 1 claim Feb 2010 minor fault accident, no points, 10,000 miles, business use, residential parking, £520

kiscix

25, male, 7 years NCD, no claims no points, ok area, street parking, Alfa Romeo 147 2.0 T-Spark - £620.