I clearly should of mentioned he had same middle and last name.
Anyway, they're good guys to just speak to.
I'm with Elephant on Dales old 182 Bren. Younger than you, driving for a couple of months less with the same NCB. My postcode is the second to worst rating, parked on the road (It's a quiet coul-de-sac but that is irrellevant to them). Only reall difference is my average mileage which I've got at 5000 a year which tbh I need to drop next year as I'm nowhere near that.
Quote on the car as standard was £870 quid. With the exhaust and suspension it went up to £1030. That's fully comp. That was off a comparison website aswell because I really can't be arsed ringing them up.
True, but it should. The amount that it varies just shows how much b*llocks it really is. Hence why I just go through comparison websites. Either way I'm going to get ripped off.
Last edited by skyinsurance; 27-04-2012 at 15:20. Reason: horrendously fat fingers
I have no convictions, or any claims against made/made against me. I'm sure that Bren was the same.
I've just seen that the OP has had an accident.
And what Rhys has just said is spot on. If each quote is about the risk that I pose then why am I tared to the same
brush as the rest of the d*ckheads my age who do drive dangerously and have accidents?
That's why I posted up all of my insurance relevant details, to give as clear of a picture as possible. Comparing two differnet people, in different postcodes etc. is never going to be completey representative.
Granted though, figures are calculated on statistical risks + ignorance on the buyers part that they are getting a good deal. The potential savings to a buyer on receiving a quote based on their own circumstances entirely would be wiped out by the costs of gaining all the information (character references for example). It would slow the whole process down.
However, it's mostly a con on hte whole. For example, why is there such a thing as an excess? Insurance should be just that, it should cover the cost of everything. You shouldn't have to pay for insurance, and then have to pay more just to actually use it when you do have an accident.
Everyone feels hard done by with insurance, because it doesn't feel like you are gettin anything for your money. Coupled with the fact that it's a legal requirement allows insurance companies to charge whatever they like. There may be some competition, but I would place a big bet that it's not completely fair competition. (but of course I'd have to asses the risk first).
Have you tried Admiral Multicar?
This is where you have "one policy" for all the households cars, all the paperwork gets sent to one person, all the money comes off of one credit card, one renewal date for the whole lot, etc. But, importantly, each car is treated separately. Each car has it's own policy holder, own named drivers, own insurance certificate, own NCB, etc.
So for my 182 on the family's multicar policy, with me (21yo Student) as the policy holder/main driver and my parents as named drivers, it's £750.
Thread here when I first discovered Admiral Multicar back when I was 19 with a Saxo VTR - took my £1565 quote down to £750.