£200 extra because you do not have experience! WTF??

[Flex]

Have you applied to NASA yet?

 

Love that comment lol.

[TT350]

I haven't been asked by AF or Sky of my experience. Both have outright refused to quote me.

 

I give my details, hear a few stabs of a keyboard and...

 

 

"Nah can't offer you a quote on that bud"

Edited May 16, 2017 by TT350

[Aashenfox]

If anyone's curious, I've owned and insured 6 vehicles in my 14 years in Greece.

 

Mk2 Golf GTi - TPFT - 350 a year - I was 27 with no history in Greece.

Mk4 Polo 6N2 16v 1.4 101hp - TPFT - about 250 quid a year at 29 with 2 years no claims

Honda S2000 - TPFT - 600 a year at 32 with 5 years no claims. This is the only one that really shows that the Greek industry is aware that the S2000 is a high risk car (it is).

Civic Type R EP3 - TPFT - about 450 a year at 35 with 8/9 years no claims

BMW 335xi E92 - fully comp - about 900 a year at 38 with 11 years no claims

Nissan 350Z - TPFT - 560 at 39 with 12/13 years no claims (the theft of the BMW above, while I claimed, is not considered an event that was 'my fault' and therefore did not affect any future premium or my no claims points).

 

Also worth mentioning that over here it's the car that is insured, not the driver. I can let an 18 year old kid who just passed his test take my car out for a spin under my insurance (if I was an idiot), and he is fully covered under any circumstances (edit: actually, now that I think about it, I think the non-named driver has only third party cover), I do not need to be present in the car or anything like that, he only has to have my permission to drive it and a valid license. As you can also see, out of many and varied cars, the price variation is relatively small, everyone basically pays between 150 and 1000 quid a year depending on the power and prestige of the car (and also value in the case of fully comp).

 

The no claims system is also a bit different. For every year you don't make a claim your 'no claims bonus points' are increased by 1, if you have a crash that was your fault, you lose 2 points.

Edited May 16, 2017 by Aashenfox

[Stevie-Boy]

I'm with Adrian Flux. My 350z was double the price to insure than my Legacy B4 RSK which is a Japanese import twin turbo.

 

I think unless your car is pretty well modded or an import, they can't really compete, I guess a stock UK zed is just a 'normal' car and that's not their specialty.

 

Saying that, all the regular insurance companies like Admiral etc all wanted over 400 for the zed which surprised me a lot. (not in a good way).

Edited May 16, 2017 by Stevie-Boy

[rabbitstew]

I had exactly the same experience as the OP so your not alone! I was 40, 21 years NCB, full clean car license, full clean motorbike license. Experience of loads of 1000cc superbikes and various fast cars over the years. Live in a quiet cul-de-sac full of old pensioners and so I thought you couldnt really get much of a safer risk.

 

But no. I struggled to get anyone to insure me for less than £1000. The "specialists" incl Flux said it was because I hadnt any recent experience of powerful cars. Which to be honest was a load of bull as whilst they were quoting me £1000 to insure the zed, the same companies were quoting me £450 to insure a new M3, £600 for a GTR and £500 for a Lamborghini Gallardo. The Gallardo in particular being worth something like 5 times what my zed was. So, it actually seemed specific just to the zed and not the driver despite what they said.

 

In the end saying i left the car on the street rather than the locked secure garage, and adding my 80 year old grandmother to the policy actually reduced it down to £950!

[Jetpilot]

As a pretty widely populated forum one think i dont notice a lot of on here is, had my zed nicked or written my zed off, so i just struggle to believe its a high risk vehicle that insurers are making it out to be!

 

In 4 years i cant remember a stolen thread and maybe 1 or 2 written off.

[Wasso]

As a pretty widely populated forum one think i dont notice a lot of on here is, had my zed nicked or written my zed off, so i just struggle to believe its a high risk vehicle that insurers are making it out to be!

 

In 4 years i cant remember a stolen thread and maybe 1 or 2 written off.

 

I drive mine like I stole it, if that counts

[Jetpilot]

So does a certain someone else whoops

[TT350]

Worth noting AF only discounts up to a maximum of 9 years NCB. Any additional no claims are of no consequence.

[Randy_Baton]

It could just be that the price has dropped to a level where there are more youngsters behind the wheel and its becoming a high risk car.

 

Or on a similar note the 350z's reputation/statistics in america might be fianlly having an influence over here.

 

Nissan bringing it home with 4 of top 10 deadliest vehicles in 2015....

http://www.cheatshee...html/?a=viewall

 

Topping the list of deadliest cars on the road is another Nissan: the two-door 350Z from model years 2005 to 2008. IIHS recorded 143 deaths per million registrations for Nissan 350Z drivers during the study period, with 90 deaths per million registrations occurring in single-vehicle crashes

Edited May 16, 2017 by Randy_Baton

[Jetpilot]

I would belive that if there were any stats to back it up, in the Uk. You would also think that if they have become cheaper, repair costs would go down, I.e if its worth 4k or 5k the most they would ever pay out is 4 or 5k for a right off, if the car was worth 30, repair costs could be 10+.

 

I also think its quite telling the insurance traders never enter into these sorts of threads, even just to give us some stats that "may" justify such stipulations.

[Strudul]

It could just be that the price has dropped to a level where there are more youngsters behind the wheel and its becoming a high risk car.

 

Or on a similar note the 350z's reputation/statistics in america might be fianlly having an influence over here.

 

Nissan bringing it home with 4 of top 10 deadliest vehicles in 2015....

http://www.cheatshee...html/?a=viewall

Which would make sense if it wasn't for the fact that the 350Z is actually relatively cheap to insure for us youngsters with little / no experience

 

Seems strange that the old fogeys with decades of NCB would be penalised for it, but even then, not all of them.

[Wasso]

So does a certain someone else whoops

 

He's allowed - on condition he doesn't use up all my fuel!

[TT350]

I can understand the 350Z being a high risk "dangerous" car in America.

 

Kids. Literally- kids, can get behind the wheel of one as soon as they have a licence and go hooning in what for a first car is a far too powerful, heavy and RWD. They're a cheap import that their dad probably thinks is a cute little crackerbox toy with a little tiny v6.

[Aashenfox]

Noticed on BBC yesterday, the owner and passenger of the Sunset 350 that killed those four kids on a quad in 2015 were sentenced yesterday, 9 years for the driver. He wasn't anyone on here, was he?

 

Wonder if this incident was what led to our cars being put on a high risk list.

Edited May 22, 2017 by Aashenfox

[Jetpilot]

Valid point, but thats the problem, it not the car thats the risk, its the driver, that accident would have occured no matter what car was being driven.

[Jetpilot]

Happened on the btcc this weekend and saw Adrian Flux is sponsoring a touring car team if anyone wants to know why you're premiums have gone up

[ChrisB]

I must be in a minority here - I just re-Fluxed for the 3rd time ..was a few quid more this year but nothing drastic (£12.67 extra).

 

My JDM S/C is just over £350 fully comp - seems reasonable to me

[coldel]

My Flux quote was much better than other companies and switched to them this year.

[Rob350]

I'm in the middle of getting quotes now, 26, had licence for 7yrs, 4 yrs ncd, live on a cul de sac in a poshish village.

 

Compare websites want 1130 for standard 04 uk zed and 1260 with cat back and spacers.

 

Adrian flux said 950 with mods

 

Sky said they don't cover my postcode haha never heard that one before.

 

Anyone else I can try???

[TT350]

I've confirmed that my postcode isn't the issue as I tried my friends postcode who lives in an upmarket, quiet village, semi rural WA16 Was pretty much the same price as my OL13 postcode.

 

WA16 is an A category

OL13 is an E category

 

The difference was less than £100

 

13 years NCB. 35 years old. No points EVER. No convictions.

 

Sky. No quote.

Flux. No quote.

Comparison site 13600 quid my postcode.

13550 my friends.

Edited May 22, 2017 by TT350

[Exec]

Comparison sites and a bit fiddling is the way forward. 26y/o with 8yr ncb paying £304 a year on the zed. Exhaust declared. With AXA this year, who knows who Il change to next year. I did buy a house in the nicer part of town but not sure it made a lot of difference.

 

Do they even ask how long you've owned the car? I can't recall.

 

I remember laughing at a post an old member posted a while back called J4CKO. About how he created an imaginary woman named Claire to go onto his insurance as she lowered it by x amount per year. I don't know the technicalities of doing this but it did make me laugh.

 

Iv got the other half on as she drops it significantly. But only when relationship changed to civil partner/ cohabiting.

 

I'm a scrimper and pay in full and usually three weeks in advance, that saves a little bit too.

 

[Rob350]

In comparison sites do I enter... exhaust system changes... or aftermarket exhaust system approved for road use... I have a cat back.

 

Also there is no option to say my roof is wrapped... only the whole car wrapped...

[Exec]

Honestly, I know people will disagree here... Whichever is cheapest. Provided you can prove the particular exhaust you have is approved for road use.

 

'exhaust system changes' and 'aftermarket exhaust system approved for road use' may well both be applicable. But you may only be able to select one.

 

What you should do, what I do, once you are redirected to the insurers website, check through the policy the comparison site has quickly and automatically populated and read the terms and conditions and make sure there's nothing that can be misinterpreted.

 

I worked in an insurance brokers years ago and I had no idea why people came through the broker when there were comparison sites which usually offered much cheaper, like-for-like alternatives.

 

I understood why an elderly person may want a broker to talk to and relay their info, as they may not be tech savvy or want a middleman to mitigate blame should anything be wrong!

 

I understand why corporate or agricultural businesses want a broker... But for the average Joe... It baffled me. Needless to say I didn't really like working there with the likes of Nora Batty and products I didn't believe in.

[Ekona]

Exhaust system changes means you can change headers, cats, midpipe and backbox as often as you want. That's what I have on my car, means I'm free to experiment without paying an admin fee every time.