Insurance premiums

[taff170]

I have a few vehicles through my companies insurance which is on a block policy and decided I needed to put some no claims back on my personal insurance.

Anyhow I have a slightly modified MKIV Golf Gti turbo so decided to put on my own insurance.

2 years NCD carried over from block insurance.

I have 8 points and am 39 years old and I am paying £1000 per year.

What points have you (if any) what age are you, what car you have and what you're paying.

Let's see the differences!

Edited 16 September, 2012 by taff170

[TriggerFish]

0 points, 21 y/o

BMW 330d - £800ish (3 (I think?) NCB

Polo GTI - £600 with mods - 0 NCB (on Polo)

Points seem to make a lot of difference!

[slider]

Mazda 3 1.6 TDi,

50+, no points,

protected full NCD

,legal services,

courtesy car,

business use,

£100 compulsory excess, no voluntary excess

wife and self only to drive,

£268

Edited 16 September, 2012 by slider

[Robjon]

60-year-old fart

Nil points

Bog standard Roomster

Legal Services

Courtesy Car

Protected NCB

£260

Age seems to make a lot of difference!

[mannyo]

45

Zero points,

Max NCD

Bog Standard Audi A8 3.7 Quattro Sport (260BHP, 40Valve V8)

Full business use,

Protected NCD,

Low risk area.

£250 fully comp.

[taff170]

Obviously points don't make prizes....

[Gaz]

48

3 points

One at fault claim (one non-fault in dispute)

Protected NCB

Legal

2.5 Superb

£484 fully comp (but expected to reduce to iro £300 once disputed claim expires in Nov)

Gaz

[Aspman]

07 TFSI VRS

35yr

No points, no convictions

Max NCB

Protected NCB

Legal cover

One no fault claim

Wife on policy

Garaged

£220 fully comp

I'm in the lowest risk group of postcodes.

[Babs]

05 Octavia vRS

26 years old

No points

No claims

6 years NCB

Wife on policy

Legal Cover

Courtesy Car

Parked on drive

10,000 miles a year

Average-risk postcode

£498

[Llanigraham]

Lots of quotes about prices that are unfortunately worthless, as there are two further details required:

the postcode of the area in which you live,

the risk factor of your job.

[SkyInsurance]

Lots of quotes about prices that are unfortunately worthless, as there are two further details required:

the postcode of the area in which you live,

the risk factor of your job.

Even with those details, comparing one price against another is not really going to help, insurance is all tailored to the individual risk presented, almost every question you are asked at quotation stage will effect the price you pay.

[Moist Von Lipwig]

Even with the post code and job risk there is such a discrepancy between the various different companies. Just phone round or use the internet for quotes and see the variance in them.

When we moved house the new post code is supposed to be better, wife's insurance went up and mine went down!

I currently have no ponts, but in my past I have had 6 points at a time. These were for bog standard speeding(SP30 I think) and seemed to make little if any difference. I have been told, not sure how true, that generally speeding points up to 6 are not seen as an issue. It is only when you go higher or have a code relating to dangerous, careless, drink, drug, etc that they hike it up. Brother had a careless driving on his licence and paid a lot more than me.

[Ootohere]

An Online or on the phone quote will change by the day, time of day, middle of the night or Bank Holiday Weekend etc.

I check during the middle of the night on Comparison Sites & there can be some amazing 'Buy Now's, which are fine to take if your Details were all put in correctly & you are ready to go.

The Sites are trying to stay in the Top Ten Cheapest etc, and a good buy or bargain can be had, compared to the same deal during the day. JME.

george

[slider]

Lots of quotes about prices that are unfortunately worthless, as there are two further details required:

the postcode of the area in which you live,

the risk factor of your job.

I think we also need to see the excess that is being carried as this can make a big difference.

[Aspman]

I noticed a big drop in prices this year Vs last on the comparison sites.

The last few years they rarely beat my renewal quote by a significant margin. This year it dropped by over £100 and my previous insurer declined to compete. and that was with reducing my voluntary excess from £350 to £150.

For the first time my insurance is cheaper than my road tax.

Edited 17 September, 2012 by Aspman

[ckyliu]

Also it's not just how many points you have, but what you got the points for. I suspect an SP50 (driving in excess of motorway speed limit) will increase premiums less than CD10 (driving without due care and attention), despite both being carrying a minimum 3 points.

[Taxi_G]

Won't bother posting my taxi insurance as its a fortune lol

Personal car,

Pug 307 HDi sport ( 2.0 136bhp, remapped 170/180bhp)

I'm 24

0 points, 3 years no claims

10k a year

Parked on driveway in average risk postcode

Wife 2nd driver ( less than a year since passing her test)

£570 fully comp

G

[Khurram77]

Octavia vRS TSi

35 years old

Max NCB

No points

I am paying £350 which is the lowest I have ever paid for insurance since I started driving.

[Llanigraham]

Yeti 140bhp 4x4

59 years old, plus 57 year wife, plus 30 year old daughter (not living at home)

Fully comp

75% NCD

No points (now)

Parked in the road in the one of lowest insurance coding areas.

£100 excess.

Includes full EU cover, plus motorsport competitor up to National events. (yes, really)

Railway worker so slight loading due to hours of work, and noted as 20k per year mileage. Also includes use as a volunteer with 4x4 Response, at no extra charge.

Noted as towbar fitted as a mod.

£287

[Tinaphps]

Even with the post code and job risk there is such a discrepancy between the various different companies.

[mdon]

29 years old & 24 year old wife

2008 Laguna estate 1.5 dci. & 2006 fiat grande punto 1.2 petrol

Driving licence 11 years, wife only been driving 9 months.

6 years NCB on the punto 1 year on the laguna.

1 fault claim in 2008 and 1 non fault claim in 2011

Parked on the street, haven't a clue about how good the post code is.

£1068.

[MartynVRS]

23 years old

6 years NCB

0 Points

Parked on drive

Both parents on as named drivers

10,000 miles a year

SA4 4 postcode which when I was looking for quotes at 17 was about £400 more for the same car if it was less than a mile away where a mate lived in a SA4 3 postcode

Gone up this year to £480 (£460 last year)

[Taylor93]

Skoda CitiGo 1.0 75PS Elegance Greentec

19 Years old

1 Year NCB

0 Points

Parked On Road at night / in a Secure car park during the day

My Mum is my only named driver

6000 miles a year

Medway Postcode

£1100 per year

[Babs]

Skoda CitiGo 1.0 75PS Elegance Greentec

19 Years old

1 Year NCB

0 Points

Parked On Road at night / in a Secure car park during the day

My Mum is my only named driver

6000 miles a year

Medway Postcode

£1100 per year

£190 for me to insure one!

[rwbaldwin]

I am 49, no points, Postcode group A (check here for your postcode group http://www.carinsuranceexplained.com/car-insurance-explained/car-insurance-postcode-risk-list.html )

£434 full comp for new Nissan GT-R R35

£159 full comp for old Octavia. Mods declared to 155bhp