Marmalade Car + Insurance

JimiScene

I'm not sure what to think of this because although I'm not the most worldly experience I like to think I'm not gullible!

Marmalade car insurance offers this deal of a new (ish) car and insurance, fitted with a black box. It's 36 - 48 month contract I'm interested in and it would be monthly payments of £190 - £210 depending on the car. So, simplistically, I'd just have to put the fuel in. However, it does say the first 12 months are "Free Insurance". So does the quoted prices of £190 - £210 I've been shown include the insurance or are those the prices when the insurance is free?

Because I don't want to do this and then find out in 12 months time it has doubled.
Something's always seem just slightly tooo good to be true when it comes to money.

InsideInsurance

Need to ask them but unless they've asked you all the questions needed to rate an insurance policy then I'd guess that is the excluding insurance price.

sithemadmonkey

If they're following the rules then they can't describe the insurance as 'free' if it's included in the monthly payments. Taking a quick look at the website, it's very likely that the insurance isn't included in any prices you are quoted, so you'll have to factor it into your budget after 12 months.

forgotmyname

The insurance is only free on some models, Not all. So a subsidy may have to be paid.

After 12 months you will have to payup the full insurance costs. Can you afford another £60 - £200+ a month for insurance and still pay for the car?

Have you seen a £200 a month car with no extra insurance payment? Fiat 500 £188 a month + £309 towards the insurance...

You can get a Fiesta with no extra insurance in the 1st year but thats £257 a month.
Then you need to think how much the insurance will be for the next 3 or 4 years.

Then if you want to buy the car its an extra £4000+ after 4 years on the PCP.

If you go HP the payments over £300 a month..