Surprisingly High Insurance Quotes

mark55man

the keys to cheaper insurance seem to be
* newer car but not brand new
* mid range not high power low power
* don't use confused.com

So still painful but no longer extortionate

jimbo6977

Also helps if you pick a model of car for which parts are cheaply/readily available, which keeps repair costs down.

Personally I have 2 of the most unusual cars in the country so I didn't take my own advice, but luckily I haven't pranged either of them (touch wood etc).

Scrapit

facade wrote: »

Probably a post code thing. You'd have to be insane to offer insurance on a keyless Fiesta around here, unless the premium was more than the value of the car.

All keyless Ford's round here, especially "performance" ones. That's was from a specialist insurer.

oldagetraveller

mark88man wrote: »

the keys to cheaper insurance seem to be
* newer car but not brand new
* mid range not high power low power
* don't use confused.com

So still painful but no longer extortionate

Possibly a named "experienced" driver too.

Indout96

mark88man wrote: »

Hi
VAN - 2018/9 - had his own delivery van - separately insured - (no car insurance) with one small bump - reported but not claimed on /QUOTE]

If its been reported it will get a loading as having 1 bump (even not claimed) means you are far more likely to have another one in insurance terms.
Stupid but there you go.

AdrianC

mark88man wrote: »

We did press direct line, but they are not going to give too much away

Are you just trying onesy-twosy random insurers individually? Or have you tried a comparison site?

mark55man

oldagetraveller wrote: »

Possibly a named "experienced" driver too.

That helped as well, but independently of the other savings

mark55man

AdrianC wrote: »

Are you just trying onesy-twosy random insurers individually? Or have you tried a comparison site?

Tried all the comparison sites, only Hastings came close, and I have personal experience that suggested my other choice was better

mark55man

Indout96 wrote: »

If its been reported it will get a loading as having 1 bump (even not claimed) means you are far more likely to have another one in insurance terms.
Stupid but there you go.

Yes, he has had it closed down now, all paperwork was in place, but it did effect his NCD so he is now on 0 instead of 4

AdrianC

mark88man wrote: »

Yes, he has had it closed down now, all paperwork was in place, but it did effect his NCD so he is now on 0 instead of 4

That does not tie in with this:

mark88man wrote: »

[*]VAN - 2018/9 - had his own delivery van - separately insured - (no car insurance) with one small bump - reported but not claimed on

UNLESS...

By "reported but not claimed on", you mean that he didn't claim for his damage - but the damage he caused to somebody else's property was claimed for and paid out.

So he's got zero NCD and a recent at-fault claim against him.
Yep, that'll do it.