Car insurance question

[Illaveago]

Oh dear the silly comments have begun. If you don't ask you wont find out. I do know how to insure a car,i just want to know if i can get cheaper insurance than i've been quoted.

I think it may depend upon whether you can prove that you are entitled to that amount of NCD. I seem to remember a similar instance some years ago.
Do you have any paperwork from your previous insurer lying around anywhere which may show evidence of NCD.

 

[Accy cyclist]

I think it may depend upon whether you can prove that you are entitled to that amount of NCD. I seem to remember a similar instance some years ago.
Do you have any paperwork from your previous insurer lying around anywhere which may show evidence of NCD.

As i said earlier,i'm going to try and find my last insurance document. That insurance ran out, if i remember rightly,about 10 months ago,so hopefully i'll still have my NCD. It asks when filling in the forms online, how much NCD you have. I thought that info' would all be down on computer for them to check. It seems that it isn't.

 

[Accy cyclist]

Typical isn't it,that these things pop up when it's a bank holiday. I'll have to wait till tomorrow to contact any potential insurers.

 

[Accy cyclist]

This is the cheapest quote i've received.

Annual premium
£498.55


Instalments total

Check with insurer

Excess
Voluntary Excess:
£250
Compulsory Excess:
£150
Total Excess:
£400



It's even more for a little Smart car,i picked out at random.

Annual premium
£682.32


Instalments total

1 x £96.00

10 x £63.94

£735.40

Excess
Voluntary Excess:
£250
Compulsory Excess:
£100
Total Excess:
£350

 

[PaulSB]

@Accy cyclist you don't mention the car you want to insure but those prices are way over the top. In May I used price comparison websites and got quotes 50% lower. I then tried Saga and came out even lower.

I'm 63, wife 61, both retired, with Saga, fully comprehensive, both 5+ years NCD:

Fiat 500 - £130
Hyundai i30 - £224

 

[Accy cyclist]

@Accy cyclist you don't mention the car you want to insure but those prices are way over the top. In May I used price comparison websites and got quotes 50% lower. I then tried Saga and came out even lower.

I'm 63, wife 61, both retired, with Saga, fully comprehensive, both 5+ years NCD:

Fiat 500 - £130
Hyundai i30 - £224

It's a 1.3 Suzuki Ignis. I got similar quotes for cars even smaller than this Suzuki.

 

[vickster]

I think it may depend upon whether you can prove that you are entitled to that amount of NCD. I seem to remember a similar instance some years ago.
Do you have any paperwork from your previous insurer lying around anywhere which may show evidence of NCD.

They should have the info on a database. Call them up

 

[PhilDawson8270]

Get a lower risk car.

Get a lower risk occupation.

Move to a lower risk area.

 

[Paulus]

That's bad news. What happened?

You should of been sent a certificate of NCB when you stopped your last insurance from the company. It is normally good for 3 years.

 

[Accy cyclist]

They should have the info on a database. Call them up

I thought all NCB's would be on a data base. It seems they aren't.

 

[Accy cyclist]

[QUOTE 4934129, member: 45"]Go to the Money Saving Expert page. They explain a process to use the comparisons sites and then the independents to get the best quote.[/QUOTE]
Ok,thanks!

 

[PaulSB]

It's a 1.3 Suzuki Ignis. I got similar quotes for cars even smaller than this Suzuki.

Well I guess it's the post code issue. Presumably you're in Accrington with a BB post code? I'm 5 miles, same distance as Accy, on the opposite side of Blackburn with a PR post code.

 

[Drago]

Hadn't you bought a Nissan Poxo?

 

[Accy cyclist]

Hadn't you bought a Nissan Poxo?

No,i didn't bother with it. For the sake of saving on the "road tax" and the insurance it wasn't worth it. Besides,as i said earlier i didn't like the grey colour. The Suzuki's a cute yellow!

 

[Drago]

Those Ignisisisis are a bit rough and ready, but they're alright. Even the 1.3 goes pretty well.