General Discussion: The Motoring Thread Incorporating All Motor Vehicles (Including Motor Cycles.)


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Bails78
Bails78 avatar

692 posts since 6/1/08

25 Oct 2020 11:34
seenmy wrote: I think you might find thats the kind of rate you are looking at for year 1 and just need to swallow it, I had not owned/insured a car for 10+ years and I'm pretty sure i was paying around that for my first year, but year on year it was coming down significantly (though im sure might go up this year as i had a claim…) 5 years in down to 630 parked on street outside my house in tottenham.

Thanks for the reply Seenmy. Boy it seems I'm gonna have to swallow it and just pay it in one installment. Not getting much cheaper quotes.
Bails78
Bails78 avatar

692 posts since 6/1/08

25 Oct 2020 11:35
Davinho wrote: Try putting someone else on the insurance as a named driver, sometimes brings it down a little bit.

Yeah I was thinking off putting my old man on the insurance but he's had a claim within the last year so wasn't sure it would be a good idea. Will try and do a quote with him on it and see what it comes in at.
jogon321
jogon321 avatar

679 posts since 13/4/12

25 Oct 2020 18:49
Bails78 wrote: Anyone got any tips or hook ups with Insurance?

Are comparison sites the way to go to find the best quote, or should I use and independent broker?

Done a quote with LVE and it came back at £1920 for the year on a Cooper S 5dr. I haven't driven in over 10 years and so have no NCD but that seems excessive to me. I do live in Brixton which doesn't help with it being in London and a High crime area.

Was hoping I could get fully comp around £800-£900 mark

You need to get some quotes from comparison sites as prices will vary wildly from insurer to insurer.
swede
swede avatar

9074 posts since 21/3/09

26 Oct 2020 06:58
£2k pa for mini insurance Laughing out loud christ
DuffMan
DuffMan avatar

14389 posts since 21/2/07

26 Oct 2020 07:35
It's a mini adventure
Bails78
Bails78 avatar

692 posts since 6/1/08

26 Oct 2020 08:54
swede wrote: £2k pa for mini insurance Laughing out loud christ

Madness right?
swede
swede avatar

9074 posts since 21/3/09

26 Oct 2020 11:28
makes sense though - you are basically ticking all the boxes for high premiums;

- high crime area with on street parking
- not driven in years
- brand new hot hatch

only going to go up too if you modify with a new ecu/whatever and you declare it
toocan
toocan avatar

838 posts since 7/11/07

26 Oct 2020 12:07
If you add a parent to your insurance policy as a named drive it can bring it down with some companies
Ineff
Ineff avatar

9848 posts since 7/4/04

26 Oct 2020 13:43
Bails78 wrote:
swede wrote: £2k pa for mini insurance Laughing out loud christ

Madness right?

Think that area is really expensive for insurance. I used to live in Forest Hill and my insurance was x3 what it is now that I've moved.

darko
darko avatar

994 posts since 4/10/12

26 Oct 2020 13:44
Bails78 wrote:
Davinho wrote: Try putting someone else on the insurance as a named driver, sometimes brings it down a little bit.

Yeah I was thinking off putting my old man on the insurance but he's had a claim within the last year so wasn't sure it would be a good idea. Will try and do a quote with him on it and see what it comes in at.

If you have a partner or sibling you could try adding them instead of your dad if he’s had a claim, sometimes it still works. You might also consider direct line’s non restrictive telematics policy or playing around with the mileage to get it cheaper (sometimes adding more miles actually reduces the premium)
Bails78
Bails78 avatar

692 posts since 6/1/08

26 Oct 2020 14:15
Gota much cheaper quote with Aviva £954 fully comp with the Old man as a named driver, that's locked in for 60 days, so will search around for a few more and see if I can a better quote.

That Moneysaving Expert guy reckons you should haggle as sometimes you can get a up to a £100 knocked off from initial quote. The NCD is really f'ed me and the address. Was tempted to do it from my partners mother address in Walsall but we need a permit to park on our road so that just throws that out the window.
stoney
stoney avatar

17607 posts since 22/1/05

26 Oct 2020 14:40
I’ve found this always works. Find the one you want, tell them you’ve had a quote for £850 from the post office or whatever on the same terms and can they do any better than their original quote.
JustinCredible
JustinCredible avatar

2637 posts since 11/6/08

18 Nov 2020 22:04
Anyone owned & ran a 3.2 V6 Audi TT cabriolet?

Seen a mk2 with only 20 odd k on the clock and quite fancy it as a weekend soft top for the wife. Asking price is strong money & appreciate they're not for the pursists but the four wheel drive appeals as she has had a few mishaps over the years. It's also a manual so rape VED but insurance for some bizarre reason is peanuts.

Been looking at these, Boxster S & a bit left field but I also quite like the Jag XKR.
Mookie_blaylock
Mookie_blaylock avatar

1617 posts since 19/7/06

18 Nov 2020 22:27
Boxster S is a no brainer IMO
themistake
themistake avatar

10747 posts since 20/2/06

19 Nov 2020 07:12
A friend had a boxster as his regular car and it just seemed like he was constantly spending out on it. New tyres would set you back an arm and a leg and he’d only been going round the m25.
Any service or part sets you back a fortune.
And at the end of the day, most people would laugh and say ‘it wasn’t a real Porsche’ behind his back.
JustinCredible
JustinCredible avatar

2637 posts since 11/6/08

19 Nov 2020 08:10
Kind of why I'm leaning towards the TT - the Boxster will 100% be a better drivers car but the Audi is a nice place to be & a lot cheaper to run & maintain, the four wheel drive means it's less likely to end up in a ditch and the ride will be more relaxed.
toocan
toocan avatar

838 posts since 7/11/07

posted 19 Nov 2020 10:48, edited 19 Nov 2020 10:48
Id challange that thought process on the TT being cheaper to run.

Ive had a 986S, 987S and 2 x 981s.

Servicing on the 987/981 is every 2 years or 20k a good indie will do this for £200 or 120 depending on minor/major.. rear tyres are 240 a corner and go for 15k-20k miles depending on how hard you drive it, pads are 30 quid discs a couple of hundred but id doubt you'd smash a set of discs in… They really are cheap to run compared to a BMW or Audi

The 986 though can cost a bit though as its approaching classic territory so think suspension refresh (1700 quid) possible new clutch (700) not a patch on my 993 though cost me 15k over 4 years
JustinCredible
JustinCredible avatar

2637 posts since 11/6/08

19 Nov 2020 12:37
Remember seeing a couple of your for sale ads on another forum toocan, are you having a clearout? Something new incoming?
deuce
deuce avatar

13897 posts since 21/1/08

19 Nov 2020 13:07
did no one actually read what he typed?
its for his wife whos apparently a crap driver. the fact alone hes asking on behalf of his wife means she has zero interest in cars

based on this you need to ask yourself why she needs a 250bhp car. get her a MX5 if she wants a convertable

oh wait, i forgot this is fuk… get her a GT3 RS
Ineff
Ineff avatar

9848 posts since 7/4/04

19 Nov 2020 13:12
I used to have a MK2 TT (not the soft top, though) and I really liked it.

It wasn't expensive to run and held its value pretty well. It was 3 years old when I bought it and I sold it 4 years later for £6k less than I paid.