Insurance Woes
Discussion
Looking to pick up a 99 111's this weekend and am having a mare getting quotes. I have tried:
- Esteem - Won't quote me because I am only 24.
- Adrian Flux - £2,000
- Footman James - £2,100
- Tesco - £1,600 (but need to get a Tracker fitted).
I have had a license for 7 years, have 4 years no claims, have made no claims in the last 6 years and have only(!) 3 points (SP60) from April this year.
Are these kind of numbers usual? Has any one got any suggestions as I am starting to get a bit desperate!!!!
- Esteem - Won't quote me because I am only 24.
- Adrian Flux - £2,000
- Footman James - £2,100
- Tesco - £1,600 (but need to get a Tracker fitted).
I have had a license for 7 years, have 4 years no claims, have made no claims in the last 6 years and have only(!) 3 points (SP60) from April this year.
Are these kind of numbers usual? Has any one got any suggestions as I am starting to get a bit desperate!!!!
I think it's your age that's clobbering you here so not a lot you can do. But..... Footman James do a policy affiliated with Club Lotus, have they given you this? Don't worry if you're not a member now, just join when you get the car.
Can you limit the mileage? I pay £400 a year for 3000 miles a year but I'm 28.
Do you have another car - you can add the Elise as a second car on the same policy and that might put it down a bit.
Try a few brokers and tell a few porkies about the quotes you've had - play them off against each other to try to get them beating each other.
is the tesco's quote too much?
although a tracker is asked for, you dont "need" to provide evidence of such until a claim of theft is made (i assume..probably wrong). i have tesco's insurance and due to the parking of my car (behind a van, which is behind a beema...oh and it doesnt have a steering wheel) i DID consider getting the policy without the tracker.
obviously i didnt do it (because its stupid) but if your "desperate" then its a possibility..you could always get a tracker later, no?
although a tracker is asked for, you dont "need" to provide evidence of such until a claim of theft is made (i assume..probably wrong). i have tesco's insurance and due to the parking of my car (behind a van, which is behind a beema...oh and it doesnt have a steering wheel) i DID consider getting the policy without the tracker.
obviously i didnt do it (because its stupid) but if your "desperate" then its a possibility..you could always get a tracker later, no?
dragstar said:
although a tracker is asked for, you dont "need" to provide evidence of such until a claim of theft is made (i assume..probably wrong).
In my experience of policies given on the condition of a certain security device being fitted, they will request a certificate of fitment and withhold theft protection until you give them a copy. They will give you a couple of weeks grace to get the car and get the tracker fitted but not much more (sorry dragstar 
) Bogie, I seem to remember someone posting on here a while ago that Tesco require a tracker on all new policies but not renewals.
yeah, that sounds right!!
only reason i suggested it, is because i lost my certificate of fitment and the deadline for providing evidence of such passed.
i sent it off and phoned to ensure that they received it. i asked the bloke what would happen if i didnt send it in, and he said that id be covered for everything except theft. if theft occured and i had the tracker (just didnt send it in) then id still be covered, so long as they see the certificate during the claim procedure.
like i said, its a really stupid thing to do, but a possibility if you are desperate!!
only reason i suggested it, is because i lost my certificate of fitment and the deadline for providing evidence of such passed.
i sent it off and phoned to ensure that they received it. i asked the bloke what would happen if i didnt send it in, and he said that id be covered for everything except theft. if theft occured and i had the tracker (just didnt send it in) then id still be covered, so long as they see the certificate during the claim procedure.
like i said, its a really stupid thing to do, but a possibility if you are desperate!!
. So much for the Internet being cheaper. I paid £1100. 2 yrs NCB, 24, sleepy area. Age, area and points are clobbering you by the sounds of it. Try elephant.co.uk they've consistently given me the most competitive quotes.
If they say Tracker they may well mean Tracker, and not any of the other systems.
Costs from £408 to £999, see here
If they say Tracker they may well mean Tracker, and not any of the other systems.
Costs from £408 to £999, see here
Trunkie said:
Try Elephant, Admiral and Hill House Hammond
I added my mum to the policy and it went down 200 bucks!
I remember my mate telling me something about this but I didn't believe him. If you add your parents to the policy the premium goes down? How does that work? Does it cost any money to put your parents on the policy?
ayfy said:
How does that work? Does it cost any money to put your parents on the policy?
Nada, just added her in when I took out my policy online. Didn't ask fer her NCD or anything just her age. Tried lots of permutations - dad, girlfriend etc - the only one to come back cheaper was with my mum.
Edit - Note she will NOT be driving the car!
>> Edited by Trunkie on Wednesday 29th October 12:44
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