Banging my head against a wall.

[Crispin]

So I've decided to stop using the 120 as a daily driver and get a new small car as a daily driver.
I current use about £130 (minimum) of diesel a week. The new car needs to cost me less, with fuel, than this. So far that is easily done by the Honda Jazz and Toyota Yaris save for.....insurance! Where is the F-ing angry smilie???

Chris Knott - £1115
After the hysterical laughter stopped, she said "if you find it better somewhere else, let us know." I used Chris's line "Why would I let you know?" She agreed it was pointless.

Aviva - circa £2600.
An online quote so no one to shout at.

Honda Insurance - Sorry for you, we will not insure you.

Compare the market - failed.
After filling out a ridiculously long form, I clicked next and it said "404 - page not found" and the quote went missing.
IT say they should have a new monitor for my by lunchtime.


Hold a clean licence for 9 years and only had the one claim totalling £1500 in June.

Some what frustrated and angered by this.


/ rant.

 

[Rob]

ouch

 

[Charlie]

 

[Gary Stockton]

That's no good. Who's the 120 with? And try Adrian Flux & DirectLine (if you want to be associated with RBS!)

 

[Paul]

Which way round did you have things concerning main vehicle and second vehicle? Maybe that makes a difference.

 

[Crispin]

The person I was speaking to at CN sounded like she had just found out her husband was sleeping with her sister and when driving way after being discovered, drove over a box full of kittens. Trying to shuffle the quotes around and try other options was just not happening.

None of the quotes have been multi-car. I’ll have a play later with various quotes. (riveting stuff)
I’ll try some other people today but true the told, I hold little hope. The idea was the insurance on the 120 would come down as it would change from 20k business a year to 5k pleasure. The new car would be business use.

So far I am tending towards and older car (yaris etc) for sub 3k and insure it 3rd party only but I was looking forward to “hassle free” car owning.
Toyota has a “1st year free insurance” option. Waiting to see what that brings…

 

[Andrew Prince]

Something doesn't sound right there. If your insurance rating is currently that bad, there might be a nasty surprise waiting for you with your 120 renewal
Can you not find out from the insurers what car would be among the cheapest to insure. Maybe a different car (Polo?) would be better? I'm grasping at straws here...
Does adding Mrs P to the policy not drive the price down?

Maybe sticking with the 120 is the way to go - the small car would use maybe half the amount of diesel, so £65/week saving. A grand for insurance plus a £3k car means you'd need 62 weeks to breakeven, not factoring in the servicing & other runnings costs for the dinky car. Ok you'd have reduced insurance (maybe?) and maintenance costs for the 120 to throw in too.

 

[Gary Stockton]

Insure the car for SWMBO with you as a named driver??

 

[Paul]

Dare i say it?

Hybrid car

 

[Andrew Prince]

Insure the car for SWMBO with you as a named driver??

= fraud, I think, if the car is used primarily by the named driver especially for commuting/business use? Just to make sure that we're all law-abiding citizens in the club

 

[Crispin]

Adding Denise brought it down to 2600 from 2700something.
Mrs Cheerful at CN said the 120 would not be hit as hard on renewal. She was going to give me a quote but I had lost the will to live.
The appeal for the Honda was free servicing for 4 years, £300 put towards insurance and claimed 55mpg (we all know that won’t happen) but the bottom line was still a net saving over using the 120. There is also a “hand the keys back when you don’t want it” clause after a waiting period so should my next contract land me in the city, I can hand It back and walk away.

I do think the maths works, just need to get the bloody insurance sorted.

As for insurance rating, I’m concerned as I have only had the one accident… wonder what else is lurking…

 

[TonyP]

The problem is you are starting a new policy with zero no claims bonus. Had the same issue when I bought the 90. In the end I was able to get away with limited mileage (5k) and only 3rd party..... still came to £600 odd for the year.

Can you transfer you current no claims to the new car, and start again on the 120?

 

[Gary Stockton]

I hear you Tony, but seriously don't understand. Surely the NCB is for the primary driver and not the car?? Very weird - means every time you get a new vehicle you start from scratch even though you may have 10 accident-free years?

 

[TonyP]

It's for the driver, but can only be used against one car. So if you have two cars, two sepparate policies, hence starting again!

Winds me up as if you have a accident with car A it will count against car B. Insurance companies... license to ROB us

 

[ignat]

I could never get good prices from the usual insurers that other forum members use (Adrian Flux, Chris Knott etc) but got the best deal from Admiral. they have a multi-car option too so might be worth a try.

Was speaking to someone earlier today, with insurance being compulsory, then the insurers need to be non-profit. These premiums are just crazy.

 

[Brett]

The only way to do it cheaply is not going to be available to you (IMO) because your 120 is still relatively new.

I have the 2 trucks, Land Cruiser & Land Rover.

Cruiser is the daily driver with the no claims discount attached to that policy. The Rover is on a classic policy with limited mileage & doesn't need or accrue any NCD.

Probably worth trying a multicar policy (I think Admiral do one) & there are motor trader policies also.

 

[chadr]

From my "Renewal arrived today..." thread:

I got my colorado insured for £155 on the Multi policy deal with admiral. well worth it! 10+ NCB
£155, for £200 excess, , EU travel and some other stuff.
The cruiser is Completly standard other than wheels.

I think it would be worth a call....

 

[Crispin]

Yup, going to see what it is like to move them all across.
In the past, and to be fair, never tried them, "normal" insurance companies baulked at the mods.

 

[Rob]

Crispin, have you tried fully comp? Sometimes 3rd party is far more expensive than fully comp. And +1 for Admiral for standard cars, they dont always come up in search engines.

 

[Crispin]

Crispin, have you tried fully comp? Sometimes 3rd party is far more expensive than fully comp. And +1 for Admiral for standard cars, they dont always come up in search engines.

It is fully comp I have been trying.


Just got off the phone with Admiral went like this:
Them: The Land Cruiser - That's a 4x4?
Me: Yes.
Them: Do you 4x4 in it?
Me: Well, it's a 4x4 - yes.
Them: We won't be able to insure it then. Also, don't bother with Elephant and {mumbled some other companies} as we're all the same.
Me: Thanks for you time.

Click