Help me with insurance

[MancMike]

Hi, Rayne, your suggestions are good. I have a manager at work who's about 7 years older, but 9 years CNB and he has an 62 E350 CDI which is about £600 a year.

Cheers, dan. You're great, good for you. Sounds like you've had some sh!t cars throughout your life. I'm against feminine oppression, so I'm not sure what to say about her driving a punto in drag while you're cruising in an E63, but that's your business. Glad you've finally, in your latter days, been able to afford something respectable. I've got decades of life to live. How much would you pay for that? Glad your E63 doesn't cost much to insure, maybe I'll own it in a decade. Don't ruin it.

 

[DAN774]

Wow, Best line of defence is attack and all that, Maybe you should take a leaf out of Brian 1's book he loves a wind up but is funny with it

It was done is good jest, and you are right I would much rather be in my 20's and you are also right that her fiat is ****.

Ho hum off to the potting shed

 

[DAN774]

Oh and btw I think you will find it is a Panda in drag

 

[ash59fifty-uk]

Those qoutes really don't sound fair at all!

I'm 31, license held for two years- 2 years NCB. No points, no accidents or convictions

Parked on driveway, occupation: building surveyor, social/domestic use only. Have access to another vehicle (work vehicle) cars in household 3, number of dependants 2. Premium: £690 per annum but I pay monthly, £69 p/m. So roughly £700 I think. This is with qoutemehappy.com. Car is just a 2010 C200 cdi sport. If I remember right excess is either £350 or £500, I'd have to look

Recently getting quotes for a 2013 c63, cheapest that's came back is £1100 all in, same variables. That's with Admiral and I thought that was quite good

Like mentioned play with occupation/location of car. A few of them I've mentioned both occupations (+graphic designer) but seems to be cheaper with just my main profession. Some qoutes even come back cheaper if parked in public car parks. I did question this with an insurer once and they said about thieves being put off by well-lit public car parks which are all mostly covered by cctv nowadays, plus they don't know the house the owner lives in. On driveways they know the dwelling, if it was needed that they wanted the keys etc. Plus not everyone has security lights and the like

Not saying to fabricate the variables, but they definitely quote slightly different for occupations!

 

[ash59fifty-uk]

Also forgot to add~

Mileage 10,000 per annum. Will be changing this on renewal as its more under 5,000 p/a

Living situation- living with parents (yes I plan on changing this very bloody soon! Can't stand being back at home)

Your previous insurers should be able to immediately upon request (reasonable time) email you a PDF copy of your NCB with them, Goskippy insurance (my 1st insurer) emailed it over after I went with my 2nd insurer within half an hour of asking for it

Have you tried getting the qoutes in your partners name with you added instead?

 

[Rayny]

Some variables will have little affect on the premium.
The main ones having an affect in this case are - It is a W204 in Manchester

Dan - just out of personal curiosity - Is premium for your E63 much different to that of the C350 ?

 

[DAN774]

Rayny,

Not really to be honest but I had the C350 insured for business use 20k a year and as I said I now do that in a van so car is now purely for pleasure. So yes same money less risk I guess.

 

[StuartK]

Cheers Kenny. I'd heard about the 9 year cap too, I assumed that was an official limit?


---

For ****s and giggles I just made up a quote masquerading as a 46 year old, who lives in stockport, with a full licence for 20 years, 9 years NCB, clean licence, no accidents, nothing. No children, married, and it still came back at 650, with 500 compulsory excess.

It's not the licence, NCB length either, as trying again with 8 year licence and 5 year NCB still quotes me 1300.

I'm sure I've read on the insurance cost thread that stuartk? maybe, is about my age, 27, has a C63 and is about that 650 mark on insurance...

Really thinking I'm missing something major here. Someone car to model my scenario on money supermarket?

Enter any manchester postcode, doesn't seem to make a difference, but here's my details that I'm willing to disclose;

1988
Full UK licence, here since birth, held for 4 years, nearly 5. 2 years NCB (should be 3, but can prove 2 right now), software developer, clean licence, no accidents, 2 kids,not married, up to 10,000 miles, social/commuting, on a driveway at home, secure carpark at work.

It's a 57 plate C280 petrol auto.

I've tried without kids, married/single, not commuting, keeping on the street (incase they prefer that as it's not as easy to know which house to burgle for the keys). If you can get it to less than a grand, I'd love to know how...

I'm not trying to deviate from the truth, I'm just exacerbated that my details don't seem that strange, but the quotes are huge.

I do pay £650 with all my mods declared and my excess is £350. I'm with Sky insurance. (A broker) I get a light discount as I'm in the M3 owners club and they sponsor the website. What helps is I have what they call hi performance rear wheel drive experience. My M3 was even cheaper to insure at circa £500 though when I first had it at 24 it was £1275 it halved the following year.

I don't think sky will insure non modified cars though mate but give them a call.

 

[MancMike]

Wow, Best line of defence is attack and all that,

mate, you were just showing off, your posts helped me zilch.

Young guy is getting shafted with a 280, look at me and my e63!?

 

[seven]

Have you tried getting the qoutes in your partners name with you added instead?

Be careful of fronting.
OP - keep trying comparison websites. When I had mine the price dropped by 30% from one day to the next. Absolutely no idea why but I wasn't complaining. You have to try them all though.

 

[ash59fifty-uk]

Be careful of fronting. OP - keep trying comparison websites. When I had mine the price dropped by 30% from one day to the next. Absolutely no idea why but I wasn't complaining. You have to try them all though.

It's hardly fronting when they live together and would be using both cars, he's already stated he had a quote in his name with her added and both cars on policy

 

[seven]

Agreed. However the fact that he has had insurance cancelled and then appears only as a named driver would mean that it could be construed as such.
Highly unlikely I know and to be fair fronting is usually only seen as a parents/children thing.
Just being careful!!

 

[MancMike]

Wouldn't that mean I wouldn't earn any NCB going forwards?

 

[DAN774]

I so wasn't it was done in jest oh well you obviously missed that bit sort taking the piss out of myself for being old.

 

[Trickythemerc]

I have a south manchester post code,9 years + NCB retired,park on drive 8000 miles PA £364.00 for my 220 CDI CLK 2009

 

[MancMike]

sort taking the piss out of myself for being old.

I was taking the piss out of ya being old too! We're both on the same page! And we're both still live and kicking, so no harm done.

 

[MancMike]

I have a south manchester post code,9 years + NCB retired,park on drive 8000 miles PA £364.00 for my 220 CDI CLK 2009

Is yours near M22? I pretended to have 9 years NCB and a 20 year licence, and I could only get it down to 650, that's pretending to be 46...

 

[Rory]

Some variables will have little affect on the premium.
The main ones having an affect in this case are - It is a W204 in Manchester

The OP changing address, cars and policies frequently can't help either.

Plus maybe his credit check ain't too good?

Post-code does make a big difference though - I checked premiums for someone in Leeds LS1 and using all my details the typical quote was 3x what I see in rural Cheshire - £750 vs £250.

 

[MancMike]

I haven't changed address much, only once since I've been driving.

Have changed insurance and cars often though, but I didn't realise they kept shared records of that kind of thing.

Plus maybe his credit check ain't too good?

No it's awful, made a lot of mistakes in my early twenties, but that shouldn't affect insurance should it? Doesn't affect my driving ability/risk, thought that'd only affect interest rates for paying monthly?

 

[John Jones Jr]

This is not good. Having a motor insurance policy cancelled normally sounds alarm bells with other motor insurers and will almost certainly result in a premium hike

Agree 100%. This issue should be resolved first and foremost.