Laughable insurance quotes

[fusion243]

Got this email from Adrian Flux today:

 

Dear Mr [Tom],

Thank you for requesting a quotation on your NISSAN FAIRLADY. We are delighted to offer you our highly competitive provisional rate as shown below:

 

Total Payable:£16115.5

 

 

And that's not even the highest quote I've received. Sucks being a 22yo trying to get insured on a Zed, especially when it is imported. But yeah, thought it may be fun to get a thread started with some of the more outrageous quotes that people have received

 

By way of a disclaimer: I appreciate that insurance quotes are done on an individual basis and for that reason, one company may be more suited to quoting to a particular individual than another. So if that thread does take off ( ) it is not to say that any of the insurers posted are not likely to quote you a reasonable amount

[Dicky]

One of the few advantages of being an old fart is insurance at --- £358 with £350 excess

[jenic]

One of the few advantages of being an old fart is insurance at --- £358 with £350 excess

 

I don't think i'll ever see those figures

 

I'm 21, insurance on the zed costs my £1300 with elephant, the most I've ever paid for car insurance infact!

[fusion243]

I'm 21, insurance on the zed costs my £1300 with elephant, the most I've ever paid for car insurance infact!

 

 

Elephant quoted me £2955! I only have 1 years ncb though and 3 points so am being given a pretty hard time by insurers. Is yours an import jenic? And what excess do you have?

[jenic]

I'm 21, insurance on the zed costs my £1300 with elephant, the most I've ever paid for car insurance infact!

 

 

Elephant quoted me £2955! I only have 1 years ncb though and 3 points so am being given a pretty hard time by insurers. Is yours an import jenic? And what excess do you have?

 

No, its UK.

 

Excess is pretty high, £500 + compulsory iirc.

 

I have 2 ncb, but no points/accidents etc.

[fusion243]

No, its UK.

 

Excess is pretty high, £500 + compulsory iirc.

 

I have 2 ncb, but no points/accidents etc.

 

Ahh see that's probably the difference. None of the specialist insurers want to insure me cos of my age and the big insurers automatically put a premium on it cos it's an import Then the three points on top of that. I also had a non-fault accident (guy went into the back of me while I was stationary indicating right) which shouldn't affect my premium but I'm pretty sure it is causing an increase

 

I'm going for the same excess as you though - anything to lower the premium!

[Chap]

A good thing I found with some bigger insurers - add two or three named drivers who have their own cars, ideally older and female with a clean record. I added two x pensioners to one quote and it plummeted by about £300

[jenic]

The specialists all wanted RWD experience, so should be easier once i have some.

 

Whats your cheapest quote so far?

[wesmin]

One of the few advantages of being an old fart is insurance at --- £358 with £350 excess

I can beat that £306 with 250 excess

[fusion243]

A good thing I found with some bigger insurers - add two or three named drivers who have their own cars, ideally older and female with a clean record. I added two x pensioners to one quote and it plummeted by about £300

 

Really? I may have to try that then - sounds like a pretty healthy drop in price!

 

The specialists all wanted RWD experience, so should be easier once i have some.

 

Whats your cheapest quote so far?

 

Yeah, my experience is on a 1.2 Corsa and last 4 years in a 1.6 Golf Not exactly high power, RWD! Best quote so far is £2300 for a 10 month period that if without claim will count as a year's ncb. That should also drop by about £400 once I'm employed since I only finished uni in June and currently seeking employment. From experience the fact that it's an import normally adds £500 so with my points and only 1 year's ncb considered, sounds about on par with what you're getting though admittedly for 2 months less...

[jenic]

Yeh mines a 12 month policy.

 

Be careful with the 10 month ones, some insurance companies won't accept them as a years NCB

[fusion243]

Yeh mines a 12 month policy.

 

Be careful with the 10 month ones, some insurance companies won't accept them as a years NCB

 

Oh really? Have you seen this to be the case? Cos I thought i was on to a winner Otherwise it would be £2648 for the 12 month

[jenic]

Yeh mines a 12 month policy.

 

Be careful with the 10 month ones, some insurance companies won't accept them as a years NCB

 

Oh really? Have you seen this to be the case? Cos I thought i was on to a winner Otherwise it would be £2648 for the 12 month

 

Yep, as my dad works for a broker and some do some don't.

 

The 12 month policy works out cheaper anyway.

[fusion243]

yeah, thanks for the advice jenic - over the course of 12 months the 10 month one would work out £100 more as you say and if there is a chance that it will be worth nothing it isn't worth the risk! Definitely going to go for the 12 month one - even though the extra £350 is gonna hurt

[Dblock]

I'm 21, insurance on the zed costs my £1300 with elephant, the most I've ever paid for car insurance infact!

 

 

Elephant quoted me £2955! I only have 1 years ncb though and 3 points so am being given a pretty hard time by insurers. Is yours an import jenic? And what excess do you have?

 

No, its UK.

 

Excess is pretty high, £500 + compulsory iirc.

 

I have 2 ncb, but no points/accidents etc.

 

I had 4? years no claim when I was 21 and the 350 was cheaper to insure than my 172 . My 172 was £1100 and my 350 was £1050 in the same year A year on and its £670 so not bad

[jenic]

 

I had 4? years no claim when I was 21 and the 350 was cheaper to insure than my 172 . My 172 was £1100 and my 350 was £1050 in the same year A year on and its £670 so not bad

 

I shared one of my mothers cars for a couple of years so didn't earn bonus until I was 19.

 

I went from a 182 to the zed, the 182 was £1k tpft, but fully comp would have been more than the zed!

[Sarnie]

Me and the Mrs have an Alfa GT with Admiral which cost £821 for the year. I thought about getting a Shed to nip to the shops and back if one of us was out in the car. Found a shitty 106 for £695. Phoned up admiral to get a price for adding this car to our policy. The answer?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

£1251

[Dblock]

 

I had 4? years no claim when I was 21 and the 350 was cheaper to insure than my 172 . My 172 was £1100 and my 350 was £1050 in the same year A year on and its £670 so not bad

 

I shared one of my mothers cars for a couple of years so didn't earn bonus until I was 19.

 

I went from a 182 to the zed, the 182 was £1k tpft, but fully comp would have been more than the zed!

 

Thats weird as it was the other way round for me. my 172 was tpft and my 350 had to be fully comp and was still cheaper. I think its odd as mine is an import too. saying that looking at the demographic of RS clio drivers these days I can see why its so much for insurance

[Dicky]

One of the few advantages of being an old fart is insurance at --- £358 with £350 excess

I can beat that £306 with 250 excess

Who quoted that one then young man

[Will370z]

Dont want to put a damper on things but perhaps its a hint to delay the zed purchase, build up some ncbs on another car and buy one in the future, added bonus is zed prices will have dropped too.

 

I couldnt even contemplate paying over 2k for insurance seems crazy.

 

Easier said than done though, in the mean time hope you do find a sensible quote as zed ownership is a lot of fun

[fusion243]

Dont want to put a damper on things but perhaps its a hint to delay the zed purchase, build up some ncbs on another car and buy one in the future, added bonus is zed prices will have dropped too.

 

I couldnt even contemplate paying over 2k for insurance seems crazy.

 

Easier said than done though, in the mean time hope you do find a sensible quote as zed ownership is a lot of fun

 

Yeah I know it is a bit ridiculous. That said, it should drop a fair bit once I am in full-time employment (very shortly!) and I rationalise it with the fact that I was paying £1.5k insurance on my 1.6 Golf as a result of it being kept on the street in the student part of Manchester So in that respect it isn't that much of a step up! I'm basically committed to the Zed now but I am getting it at a somewhat discounted rate so factoring the expensive insurance in as part of the car cost. Then once I have driven it for a year, am 23 and got a bit more ncb I'll go to a specialist for next renewal and a more healthy quote (hopefully!)

[Will370z]

Dont blame you .

 

Make sure you coming along to the surrey meets, big part of zed ownership and we have quite a few down this way now too. Just dont get sucked in to this modding malarky, gets expensive lol.

[fusion243]

Yeah - think my insurance premiums are high enough without having to declare mods as well Definitely interested in a going along to a meet though - will keep an eye out for any news of them!

[fusion243]

A good thing I found with some bigger insurers - add two or three named drivers who have their own cars, ideally older and female with a clean record. I added two x pensioners to one quote and it plummeted by about £300

 

Finally got round to trying this.

 

First put my mum on with her 3 speeding convictions in the last 5 years: Took off £469

 

Added my dad with 0 convictions/accidents: Lost another £306

 

Total saving: £775 = 32% of original quote (of £2393)

 

New quote equals that of when I had the VW Golf in Manchester under just my name

 

[nzr350z]

Sorry but still trying to figure out how someone with no job can afford to buy,insure and run a zed?