Insurance

[skyinsurance]

I would absolutely not reccommend anybody to follow my example.

Glad to hear it.

I'd love to have my own policy and build up a no-claims bonus and declare all my modifications to be safe but while insurance prices are taking the weewee out of us, I really can't afford to, especially with no job. I would have no car because I can barely afford to run it now.

I am aged 27. 10 years ago I paid over £1300 to insure a Metro worth £500 quid, third party. I now pay under £1000 to insure all three of my cars, a 270BHP 1988 Mr2, a Corolla T sport and a standard MR2. Insurance prices being high is not a new thing. If you cannot afford to run a car legally, then dont. Simple as that. Every year you have of claims free driving (especially when you are young) means your insurance goes down and down. Sticking with a fronted policy not in your own name is never going to help your insurance go down.

Why do insurance companies care at all if you paint your dash then? Why does that have to be declared?
So, when I bought a bigger sized battery to replace the tiny corsa one, I should declare it, why? I don't see any logic or reasoning behind it. Obviously it's the law, but why do you have to declare changes when you...replace a gaitor or something?

Why, various reasons. Cosmetic modifications make vehicles more likely to be targeted by theives/vandals for example. I agree, some rules do seem retarded but it is part of my job to point things like this out to forum members and make sure they understand how insurers work.

Please bare in mind that I work for an insurance company.. I do not make the rules up.

[Root]

I'm aware, I used to work in a store and when customers complained, you have to explain policy's to them that they don't quite understand.
Insurance does go down when you turn 21 though, correct?

My cousin is about 22, same corsa as mine WITHOUT an alarm, he got £500 a year quote.

Mine's got alarm, the standard immobiliser, but because I'm 19, I'd have to pay over £1k

[skyinsurance]

what about debadging? adding stereo, sound system etc? am i meant to declare those?

Yes, yes and yes.

[Root]

what about debadging? adding stereo, sound system etc? am i meant to declare those?

Yes, yes and yes.

I'm not trying to argue, I'm curious.

Why do you have to declare a debadging?
That's taking something off the car, surely reducing insurance costs? lol

[skyinsurance]

So, if a kid was to kick off a mirror and you not declare this to your insurance, they could not pay up in a claim.

lol, I figure that's true because that's what it sounds like

Not the best example

[danthemann]

im with swinton..and im 19..and my insurance is my first time and is costin me £122.09 a month while im on provisional-and goes up to like £130 a month once i get full license..this is with my gf's mum as a named driver.

is that good or bad?

[skyinsurance]

I'm aware, I used to work in a store and when customers complained, you have to explain policy's to them that they don't quite understand.
Insurance does go down when you turn 21 though, correct?

My cousin is about 22, same corsa as mine WITHOUT an alarm, he got £500 a year quote.

Mine's got alarm, the standard immobiliser, but because I'm 19, I'd have to pay over £1k

Insurance goes down with claims free driving NCB etc etc.. it wont just drop at aged 21 because you are a year older. It does work to a certain extent when you turn 25. The best way to get cheaper insurance is to drive claim free with a policy in your own name.

You can never compare one quote to another, unless it is your twin brother who has exactly the same driving record as you, lives in the same house, same level of NCB, crashes, convictions are the same, postcode is the same etc etc. Almost every questio you are asked can (and will) affect the price of the insurance.

[skyinsurance]

Why do you have to declare a debadging?
That's taking something off the car, surely reducing insurance costs? lol

I agree with you on this one BUT the fact is, it is a change to the vehicle. No insurance company in their right mind would charge you for debadging a car.. if they do, you are with the wrong insurance company.

Ollie

[danthemann]

so is mine good or bad??i live in a little country village that has a realy low crime rate if that helps.

[skyinsurance]

so is mine good or bad??i live in a little country village that has a realy low crime rate if that helps.

Its hard to say as dont know any of your details. Without running through a full quote with you on the phone, it is impossible to answer, there are so many variables with insurance quoting.

[Root]

Why do you have to declare a debadging?
That's taking something off the car, surely reducing insurance costs? lol

I agree with you on this one BUT the fact is, it is a change to the vehicle. No insurance company in their right mind would charge you for debadging a car.. if they do, you are with the wrong insurance company.

Ollie

OK, but some people debadge a car so it's less of a target to theives and criminals, for example:

taking off the 2.0 badge, it's instantly less of a target to theives.

Anyway, can I get a quote online? I went onto your website and I don't wish to be contacted via telephone for a quote.

Also @dannthemann:
I'd say you're paying a lot for that. You may as well use your own policy 'cus £1,600 a year is out this world. Ring up a few companies and get a good quote.

[danthemann]

does it sound about right tho?

[Root]

does it sound about right tho?

I've had quotes of less than a K for my own policy. Which is £83 a month.

o_o, have a look at comparethemarket.com and such websites and see if you can get a better quote.
It does sound like you're paying too much IMO, ofc I'm no specialist like sky.

[inliner_04]

Why do you have to declare a debadging?
That's taking something off the car, surely reducing insurance costs? lol

I agree with you on this one BUT the fact is, it is a change to the vehicle. No insurance company in their right mind would charge you for debadging a car.. if they do, you are with the wrong insurance company.

Ollie

OK, but some people debadge a car so it's less of a target to theives and criminals, for example:

taking off the 2.0 badge, it's instantly less of a target to theives.

Anyway, can I get a quote online? I went onto your website and I don't wish to be contacted via telephone for a quote.

Also @dannthemann:
I'd say you're paying a lot for that. You may as well use your own policy 'cus £1,600 a year is out this world. Ring up a few companies and get a good quote.

I live in london, 17, no "no claims", on my own policy fully comp and i pay £1597, i do have pass plus discount though

[skyinsurance]

OK, but some people debadge a car so it's less of a target to theives and criminals, for example:

Do they? I've always debadged my cars to make them look smoother.

:?Anyway, can I get a quote online? I went onto your website and I don't wish to be contacted via telephone for a quote.

Unfortunately we dont have an online quoting system, if you need to go through a quote we'll have to speak to you on the phoen. We may struggle as if you are not in employment we wouldn't be able to insure you on our car club scheme, we would be restricted with the underwriters we can use.