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Unread 13 Sep 2005, 14:14   #1
NEWSBOT3
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Question Car Insurance

(i searched, i only found 1 thread on the subject previously. Which is odd, i remembered there being more)

Anyway, having never insured a car before, i have no idea what places to look. would you folks recommend i check for car insurance ?
what places do you use (if you do), and are they any good ?
Has anyone had to claim ?

The car in question is a K reg Astra 1.4
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Unread 13 Sep 2005, 14:17   #2
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Re: Car Insurance

Norwich Union Direct are usually the cheapest for drivers under 25 in my experience. A lot of places wont touch you and others just stick the prices way up.
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Unread 13 Sep 2005, 14:19   #3
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Re: Car Insurance

I'm with Direct Line, and have a reasonable price on a similar car (1.4 306).
However, as a company they are shit. Avoid them. I'm only still with them out of apathy.

I've heard good things about Endsleigh from various studenty type places.
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Unread 13 Sep 2005, 14:23   #4
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Re: Car Insurance

I'm with Tesco who give me quite a good price. Never had to claim though so no idea how good they are in that respect.
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Unread 13 Sep 2005, 14:29   #5
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Re: Car Insurance

try http://www.confused.com/

they submit your details to lots of insurers and then email you with a link to the list of prices
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Unread 13 Sep 2005, 14:56   #6
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Re: Car Insurance

Quote:
Originally Posted by NEWSBOT3
(i searched, i only found 1 thread on the subject previously. Which is odd,
it is odd how we don't spend every day discussing car insurance.
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Unread 13 Sep 2005, 15:12   #7
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Re: Car Insurance

Quote:
Originally Posted by Yahwe
it is odd how we don't spend every day discussing car insurance.
i know, sheesh, can't you people be more considerate ?




(I seemed to recall there being several threads on it previously, yet I couldn't find many, which is why I thought it was odd)
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Unread 13 Sep 2005, 15:15   #8
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Re: Car Insurance

endsleigh have always been pretty good for me.
check out a few online ones like http://www.theinsurancecentre.co.uk/ as well...
make sure you check around A LOT and then go to one you trust and tell them the cheapest quote you got. That usually lowers the quote by a couple of hundred for your first time.
But endsleigh or Norwich Union is my advice.
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Unread 13 Sep 2005, 15:22   #9
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Exclamation Re: Car Insurance

The thought of Enby driving is somehow amusing, in a 'thank god I don't live in York' kind of way.
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Unread 13 Sep 2005, 15:26   #10
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Re: Car Insurance

Quote:
Originally Posted by Marilyn Manson
The thought of Enby driving is somehow amusing, in a 'thank god I don't live in York' kind of way.
Given how badly i drove on the test drive yesterday, I agree.
I was ****ing shocking.
I was in a BUS LANE for about ten mins....
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Unread 13 Sep 2005, 15:48   #11
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Re: Car Insurance

I'm also with Tesco - it was a bit cheaper (but not much) than most of the major insurers and pretty easy and simple to do online.
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Unread 13 Sep 2005, 15:57   #12
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Re: Car Insurance

I'm gonna be in York .
We got ours from the Co Op, who apparently were surprisingly cheap.
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Unread 13 Sep 2005, 16:00   #13
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Exclamation Re: Car Insurance

Quote:
Originally Posted by Appocomaster
I'm gonna be in York .
At least Enby has something to aim at now. Aside from other cars, pedestrians in general and buildings, I mean.
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Unread 13 Sep 2005, 16:03   #14
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Re: Car Insurance

I'm in a car. It's fairly easy to spot, being yellowy gold. I usually walk though, far far far away from the road.
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Unread 13 Sep 2005, 16:15   #15
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Re: Car Insurance

Went with direct line over the internet, seemed like a good idea at the time but im pretty sure i got ripped off.
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Unread 13 Sep 2005, 16:27   #16
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Re: Car Insurance

Been with Direct Line for a couple of years, but going for Egg this time as they're cheaper. As it expires in less than a week I probably ought to actually do it.
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Unread 13 Sep 2005, 18:30   #17
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Re: Car Insurance

Quote:
Originally Posted by 1-X
try http://www.confused.com/

they submit your details to lots of insurers and then email you with a link to the list of prices
SYMM endorses this statement. (Budget came cheapest for me using it, and I'm 21 driving a 1/0 Corsa if that helps...)
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Unread 13 Sep 2005, 19:25   #18
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Re: Car Insurance

Quote:
Originally Posted by JC
Norwich Union Direct are usually the cheapest for drivers under 25 in my experience. A lot of places wont touch you and others just stick the prices way up.
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Unread 13 Sep 2005, 20:32   #19
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Re: Car Insurance

i found www.elephant.co.uk to be the cheapest for me. This year it cost me (an 18 year old with full licence for 6 months and 1 years no claims) £650 to insure my 1.05 M Reg VW Polo for 10 months. Last year it cost me about £950 on my provisional with 0NCB for 10 months again.
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Unread 13 Sep 2005, 21:22   #20
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Re: Car Insurance

Quote:
Originally Posted by midge5
I'm with Tesco who give me quite a good price. Never had to claim though so no idea how good they are in that respect.
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Unread 15 Sep 2005, 11:59   #21
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Re: Car Insurance

1-x for the win!

egg@560 seems ok, but confused is getting me some quotes at 510 including legal cover (and no/100 excess)
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Unread 15 Sep 2005, 15:45   #22
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Re: Car Insurance

is Enby over 21?
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Unread 15 Sep 2005, 15:48   #23
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Re: Car Insurance

www.theaa.com

goto the insurance bit. They check all the top insurers and give you the best quote. Tbh ive not had them beat as of yet...
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Unread 15 Sep 2005, 17:24   #24
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Re: Car Insurance

How are the insurance costs over there in the UK? (seems the posts are generally bout UK insurance)

I ask cause here in Ireland they border on the extortionate.

The worst I ever had was my very first car, I had just gotten my licence but no-one would insure me on a 1992 1.1l Ford Fiesta. I mean, it was hardly a ****ing ferrari, but still no-one would touch a 21 year old guy (insurance wise, girl wise this was also true a the time).
Eventually I had to get my father to register the car, get insured under his name and then add me as a named driver. Which then had me pay the insurance quote for both of us.

The car cost me €600 and the insurance for one year was €3000.
That was the cheapest. And we had to get it from an english company who seemed a little dodgy if you ask me.

It hasn't gotten alot better here to be honest. Though I'm at €1,300 now on a 1.4l Fiat Brava.

My sister just applied for her provisional licence, (not full one) and has decided to get a car. She's 20, never driven before, only on an L-licence and has gotten a quote for insurance on a Colt 1.3l, on her own for €1,000.

I ASK YOU!!!!

FFS
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Unread 15 Sep 2005, 17:36   #25
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Re: Car Insurance

Quote:
Originally Posted by JammyJim
www.theaa.com

goto the insurance bit. They check all the top insurers and give you the best quote. Tbh ive not had them beat as of yet...
they are 250 quid off my best one.

....

(thats WITH a 500 excess, 0 on all my other quotes)

also, the enby is 23, has had a license (but not driven) for 2 years.
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Unread 15 Sep 2005, 17:44   #26
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Re: Car Insurance

Quote:
Originally Posted by IncubusGod
How are the insurance costs over there in the UK? (seems the posts are generally bout UK insurance)

I ask cause here in Ireland they border on the extortionate.

The worst I ever had was my very first car, I had just gotten my licence but no-one would insure me on a 1992 1.1l Ford Fiesta. I mean, it was hardly a ****ing ferrari, but still no-one would touch a 21 year old guy (insurance wise, girl wise this was also true a the time).
Eventually I had to get my father to register the car, get insured under his name and then add me as a named driver. Which then had me pay the insurance quote for both of us.

The car cost me €600 and the insurance for one year was €3000.
That was the cheapest. And we had to get it from an english company who seemed a little dodgy if you ask me.

It hasn't gotten alot better here to be honest. Though I'm at €1,300 now on a 1.4l Fiat Brava.

My sister just applied for her provisional licence, (not full one) and has decided to get a car. She's 20, never driven before, only on an L-licence and has gotten a quote for insurance on a Colt 1.3l, on her own for €1,000.

I ASK YOU!!!!

FFS

To get insured by myself on a 1.0litre group 2 Vw Polo when i was 17 and had just passed my test i was quoted £1000 to £3000. Even as a named driver it cost a small fortune.
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Unread 15 Sep 2005, 21:49   #27
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Re: Car Insurance

Whoever you pick, ring them up instead of doing it over the web. Yes the web offers 5-10% discounts, but there isn't a human at the end dying to get the commission out of you signing up.

Ring around a few places, and then just play them off against each other. It worked for me.

I'm with Ensleigh, they are very Student/Young Professional orientated.
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Unread 15 Sep 2005, 23:17   #28
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Re: Car Insurance

Phoning them up is also a very good idea if (like me) you're insuring your car from your birthday. One of them (I can't remember which one) told me that the quote was based on my age when I submitted the quote rather than my age on the date when the insurance was due to start. When I rang a few of them up I got some quotes a hundred or so cheaper.
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Unread 17 Sep 2005, 17:51   #29
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Re: Car Insurance

I went with egg in the end, and my car is here now, and i'm happy
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Unread 17 Sep 2005, 18:18   #30
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Re: Car Insurance

I honestly don't know who I'm insured with but they stiff me on the price due to having 9 points. So, do your best to keep a clean liscence or pay the penalty.
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