Insurance

[Anonymous]

Got a renewal quote from Axxa £333 hmm reasonable I thought but checked money supermarket and esure £255 hmmm pretty good I thought checked on quidco and esure give £40 cash back so £215 insurance give me some of that thank you very much.


Opal white GT with type 1 matt stripe.

 

[Anonymous]

Have you checked the Ts and Cs on the cashback? I read an article on this in a guide to car insurance on moneysavingexpert.com and it's often not guaranteed or it says "up to £x cashback" meaning that you often don't get as much back as it initially appears. Definitely worth checking the small print if you haven't done so already.

 

[RCZ1]

..... Or the excess is incredibly high ...!

 

[Anonymous]

Finished looking bought my insurance from esure through quidco excess £150 cost of fully comp insurance £213 minus the £40 cash back if I get it (treat it as a bonus folks) = £173

Bit their hand off Paid in one payment.


Opal white GT with type 1 matt stripe.

 

[Anonymous]

Found this while looking for a document to send to my new insurer. I draw your attention to what they categorise a modification.

 

[Anonymous]

Yeah but not all insurers have that wording ......the biggest con is the protected no claims .....it's not as you expect.....google it and be shocked as I was.


Opal white GT with type 1 matt stripe.

 

[Anonymous]

Yeah but not all insurers have that wording ......the biggest con is the protected no claims .....it's not as you expect.....google it and be shocked as I was.

Protected no claims to me is shorthand for protected no claims bonus. So if you claim your premium will be increased but you will get your % discount off of the higher premium. Isn't that how it works?

 

[Anonymous]

Yes but without protected they only take 2 yrs no claims off you it's worth about £80


Opal white GT with type 1 matt stripe.

 

[Anonymous]

Found this while looking for a document to send to my new insurer. I draw your attention to what they categorise a modification.

I'd like to see someone try and buy an RCZ WITHOUT alloy wheels.

Do they even offer non alloys? I, personally, wouldn't say they're an extra if you can't get non alloys.

 

[Anonymous]

I'd like to see someone try and buy an RCZ WITHOUT alloy wheels.

Do they even offer non alloys? I, personally, wouldn't say they're an extra if you can't get non alloys.

At least now they make it clear what they define as modifications :thumbup: I have no problem with that at all. I simply objected to them adopting this stance whist the car was in for repair and they cancelled my policy because I had not declared factory fitted optional extras as modifications.

As I have said I now include a separate communication detailing all optional extras and the cost at purchase of them during the renewal process. It's down to them to decide what to quote and me whether to accept it. Best to get it sorted before they grab hold of your maritals, if you have to make a claim

 

[Anonymous]

LV was £260 (£150 excess), im 37, 3 points for speeding and and 12 years NCB, was quite happy with that, as Peugeot quoted me £632.82(£250 excess)

Points I have noticed when doing my insurance
1) ALWAYS look for new option rather than renew, its normally cheaper.
2) Tell them you have factory installed specifications such as alloy wheels etc
3) Always include a second driver, preferably a female aged 40-55, with a clean licence as it knocks about £100 off

Some unscrupulous people also state lower annual mileage, as the insurance company has to prove that you used those miles, its perfectly legal to lend your car to someone else who has separate insurance after all, but I wouldnt recommend this

 

[Anonymous]

Not sure that the woman thing would still apply as insurance companies can no longer give preferential rates to female drivers as this would now be constituted as discrimination. I'm happy to be corrected on this point, however I believe this to be the case.

 

[Anonymous]

In regards to point 3, does this stand true even with the changes to legislation to prevent discrimination and stipulate that females are no longer entitled to be offered cheaper premiums than males?! If so then I'm off to find myself a sugar momma and file a discrimination claim.

 

[RCZ1]

S'cuse me Mr Rizz, I'm no sugar momma and I fall into that age range

But in answer to your question, I believe it does still ring true. The change in law applies more to younger female drivers. When my husband was recently getting a quote, he asked for one just for himself and one with me as a named driver. The one which included me, was considerably cheaper. I'm considered to be a sensible, low risk driver of a mature ish age

 

[Anonymous]

Colleced my RCZ a few weeks ago and just also called up Peugeot to take advantage of the weeks free insurance.

Whilst on the phone they gave me a quote for a full years insurance with themselves for that was way too high and very steep.

When with old insurance company Hastins Direct that was £200 cheaper than the quote given so shop around.

 

[Anonymous]

Points I have noticed when doing my insurance
1) ALWAYS look for new option rather than renew, its normally cheaper.
2) Tell them you have factory installed specifications such as alloy wheels etc
3) Always include a second driver, preferably a female aged 40-55, with a clean licence as it knocks about £100 off

Some unscrupulous people also state lower annual mileage, as the insurance company has to prove that you used those miles, its perfectly legal to lend your car to someone else who has separate insurance after all, but I wouldnt recommend this

I agree with all the above but some extra pointers / tips
Start at moneysupermarket.com I find that this comparison site always comes up cheapest.

When you find the ideal quote check these two sites
Quidco and Top Cashback
to see if any cash back is on offer for the insurance company / quote you found.
If the company is offering Cashback click through to the insurance company site and get a new quote.

For example my quote came to £255 on moneysupermarket.com with Esure and £257 Sheila's wheels they were my cheapest quotes.

Quidco were offering £40 Cashback for esure so I clicked through and when I finished the esure quote came to £213 minus £40 Cashback when / if I get it.

If the quo

Opal white GT with type 1 matt stripe.

 

[Anonymous]

S'cuse me Mr Rizz, I'm no sugar momma and I fall into that age range

But in answer to your question, I believe it does still ring true. The change in law applies more to younger female drivers. When my husband was recently getting a quote, he asked for one just for himself and one with me as a named driver. The one which included me, was considerably cheaper. I'm considered to be a sensible, low risk driver of a mature ish age

Me too!

 

[Anonymous]

S'cuse me Mr Rizz, I'm no sugar momma and I fall into that age range

But in answer to your question, I believe it does still ring true. The change in law applies more to younger female drivers. When my husband was recently getting a quote, he asked for one just for himself and one with me as a named driver. The one which included me, was considerably cheaper. I'm considered to be a sensible, low risk driver of a mature ish age

Me too!

This is obviously a good thing. Two "older" (than me) women who are clearly intelligent, attractive, talented and with a fantastic sense of humour and taste...#sugarmommasthatdreamsaremadeof

:wink: (have I dug myself out of that hole yet or burrowed further?! :shock: )

 

[Anonymous]

S'cuse me Mr Rizz, I'm no sugar momma and I fall into that age range

But in answer to your question, I believe it does still ring true. The change in law applies more to younger female drivers. When my husband was recently getting a quote, he asked for one just for himself and one with me as a named driver. The one which included me, was considerably cheaper. I'm considered to be a sensible, low risk driver of a mature ish age

Me too!

This is obviously a good thing. Two "older" (than me) women who are clearly intelligent, attractive, talented and with a fantastic sense of humour and taste...#sugarmommasthatdreamsaremadeof

:wink: (have I dug myself out of that hole yet or burrowed further?! :shock: )

I think you got away with minimal water damage

 

[RCZ1]

S'cuse me Mr Rizz, I'm no sugar momma and I fall into that age range

But in answer to your question, I believe it does still ring true. The change in law applies more to younger female drivers. When my husband was recently getting a quote, he asked for one just for himself and one with me as a named driver. The one which included me, was considerably cheaper. I'm considered to be a sensible, low risk driver of a mature ish age

Me too!

This is obviously a good thing. Two "older" (than me) women who are clearly intelligent, attractive, talented and with a fantastic sense of humour and taste...#sugarmommasthatdreamsaremadeof

:wink: (have I dug myself out of that hole yet or burrowed further?! :shock: )

Not a bad effort. You got away with it THIS time


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