10-09-2019, 06:21 PM | #23 | |
Lieutenant General
3522
Rep 11,308
Posts |
Quote:
So I did the usual and went online to DL's website and got an online quote and was astonished to get a quote of well over a grand!!!! I edited the quote and all I did was change my name for the wife's (nothing else was changed) and the quote went down to around £300 WTF!!!!!! So we took out the house insurance in the wifes name. We asked an operator at DL why my quote was so high just because my name was on the quote ... they had no idea. Only thing I can think of is that we claimed off them to fix a ceiling about 3 years ago and wondered it that went against me (well, my name). So if your house insurance quote is high, put it in your wife's name.
__________________
Current: Golf R Mk8Previous: Golf R Mk7.5 Mercedes AMG C63 S Coupe F80 M3 Competition Pack |
|
Appreciate
0
|
10-14-2019, 06:18 AM | #24 |
Major
486
Rep 1,325
Posts |
Another one - I'm registered to vote at a different address to where I live (it's a perm address whereas the place I'm at now I'm renting) I didn't realise, because insurers can't find you on the electoral role at your given address they hike the price significantly. I only found out as BMW refused to quote me as I failed their ID check due to the above.
Then switched the address to my electoral role one (only half mile away same area) and the quotes came down £2-300! There isn't much difference due to area having done it before, so pretty much all of that is simply due to not being on the electoral role. Did the same on comparison sites and hey presto suddenly all my quotes are much more decent... wish I'd known this sooner |
Appreciate
0
|
09-10-2020, 08:32 AM | #25 |
First Lieutenant
89
Rep 358
Posts |
So will likely be updating this through my wonderful yearly run around of pain.
So far LV aren't happy with a 26 year old in a 435i for the 3rd year of insurance cover. Too young... another that might've changed things over the course of a year, AXA did the same last year (despite being insured with them at 24 years of age). |
Appreciate
0
|
09-10-2020, 12:49 PM | #26 | |
First Lieutenant
89
Rep 358
Posts |
Quote:
BMW did come out the cheapest last year, and on checking seem to be 2nd best this year, but I am scoping for insurance that allow for 'modifications' in case I go for a remap within the year, or any other 'mods' as BMW are not mod friendly other than getting BMW products that must be installed at a BMW dealer (yes.. even grilles as they quoted). |
|
Appreciate
0
|
09-10-2020, 04:45 PM | #27 |
Private First Class
66
Rep 187
Posts
Drives: 330d f31 msport
Join Date: Jul 2018
Location: frozen wastes of east anglia
|
blimey here's me moaning about my insurance going up this year by £15 .to a whopping £215 .fully comp with protected NCB .for the f31 330 d
and £110 for the bike ,also a BMW .s1000r . but then age has its benefits not just free prescriptions .haha !! really I sympathise , I still have to help my daughter out with her extortionate car premiums .she's 23 and mostly drives a company car !! |
Appreciate
0
|
09-11-2020, 09:25 AM | #28 |
Private First Class
52
Rep 173
Posts |
I couldn't understand my hike in insurance when changing cars...
Audi A3 S Line Cabrio - £250 BMW 330e - £315 (cheapest I could find) I'd have thought without the liability of a cloth roof (though with a more powerful engine) the difference wouldn't have been as much. When it comes to helping sons and daughter out with driving etc... we're going to have to buy a small runaround pool car for them. Probably an eye watering amount to get a 17 year old on a 330e!
__________________
___________
F30 330e SE 2017 Previously Audi A3 S Line Cab, F30 320d Luxury, E90 318d SE |
Appreciate
0
|
09-11-2020, 10:00 AM | #29 |
Private
24
Rep 81
Posts |
Its funny that this thread popped up as i pulled it up after clicking get quotes lol.
Just had a few quotes which you may find interesting, i am now 7 years passed with 6 years NCB on my 330d. Year one of ownership i paid £2998 (onecall) Year two of ownership i paid £2300 (approx) (Hastings direct) Year three of ownership i paid £1832 (Goskippy) For this year i got a renewal quote for £1636 quote through compare the market last week and the cheapest two quotes i got were £1554 - Debenhams finance £1561 - Go skippy Checked today (heard that there is some sort of reset on Thursday with prices unsure if true) on confused whilst i loaded this forum and the quotes i got were £1427 - Debenhams finance £1452 - Go skippy i then checked on compare the market today and got £1357 - Debenhams £1360 - Go skippy To finish it off as i rather avoid these companies i checked with BMW direct and got *drum roll please* .... .... .... .... £2260 |
Appreciate
0
|
09-11-2020, 12:11 PM | #30 |
Private
51
Rep 97
Posts |
1st year 440i - Admiral - £2060 - London - 25
2nd year 440i - AXA - £1990 - (same address, occupation etc.) - 26 Current renewal - 1st Central - £1590 - (same address, occupation etc.) - 27 Address matters most really - with my previous car my renewal was somewhere around £900. I moved literally 2 miles away and cheapest renewal was suddenly £1300. |
Appreciate
0
|
09-11-2020, 12:40 PM | #31 |
Private First Class
66
Rep 187
Posts
Drives: 330d f31 msport
Join Date: Jul 2018
Location: frozen wastes of east anglia
|
premium prices change on a daily basis .
I looked every day at quotes and acquired requotes over a period of 2 weeks, while lockdown was in place .prices did fluctuate for my bike insurance up and down from a base line of £120 .by about £15 either way . so it is a good idea to keep getting quotes several times well before insurance needs renewing . |
Appreciate
0
|
09-11-2020, 06:16 PM | #33 |
Private First Class
52
Rep 173
Posts |
Not sure whether it still holds true, but when I turned 30, years back, the insurance premiums that year took a massive dive... so at 27 you may have many cheaper years ahead!!!
__________________
___________
F30 330e SE 2017 Previously Audi A3 S Line Cab, F30 320d Luxury, E90 318d SE |
Appreciate
0
|
09-12-2020, 05:01 AM | #34 | |
Private First Class
66
Rep 187
Posts
Drives: 330d f31 msport
Join Date: Jul 2018
Location: frozen wastes of east anglia
|
Quote:
and then again when you change " occupation " to " retired" . |
|
Appreciate
0
|
10-01-2020, 10:13 AM | #36 | ||
First Lieutenant
89
Rep 358
Posts |
Quote:
One answered, Hello... which I responded to asking to get a quote and got "Where did you get this number from?!" then really quickly firing off short questions in far from the nicest manner, "Age, Car, Age again!?, what part of the country) almost like being interrogated with no opportunity to breathe. eSure seems to be next best cover in the event I want to go down the mods route. Quote:
Edit: Missed out the most important part, the header . First point removed Other points that made me pause for a while:
Might have been a US thing I regularly saw on these forums, but if a car is stolen it has automatically devalued as a result of being recorded as stolen, but no compensation given as a result? Isn’t it similar with cars being CAT C/D, with the option of buying back? Full policy: https://www.lvbroker.co.uk/customers...17140611&la=en Pretty speechless unless I really have not been reading my other policies as well.. Honestly don't think I can be asked anymore.. will stay stock and stick with BMW. I get the "you pay to play", but this isn't even at the stage of hardware, modding and troubleshooting anything mechanical, just basic cover that does not meet any sane persons expectation. Last edited by KTE; 10-16-2020 at 10:44 AM.. |
||
Appreciate
0
|
10-01-2020, 10:53 AM | #37 |
Private
51
Rep 97
Posts |
This doesn't mean that if you have an accident, they will cancel your insurance. What this means is if you have an accident (claim) and you want to cancel your insurance after, they will cancel it but won't refund the remainder.
|
Appreciate
0
|
10-01-2020, 11:21 AM | #38 | |
First Lieutenant
89
Rep 358
Posts |
Quote:
This I am aware of through a previous experience. 20 odd days, will see how I feel down the line. Pretty long morning/afternoon spent calling around. |
|
Appreciate
0
|
Post Reply |
Bookmarks |
Tags |
f30 3 series, f32 4 series, insurance, young, young drivers |
|
|