Insurance tips and tricks.

[LC]

Just thought it would be nice to have a place to share a few tips and tricks, what i've found at the moment aswell as classics:

- with admiral, parking car on road is £30 less than on driveway, £80 less than in garage
- valuing your car as more brings premium down, tried underpricing my twingo to keep it down but valuing it as more seems to get it down

job title tuning: https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

don't forget to try out parents and family as named drivers to get the policy down, (if they have a good driving background)

Go direct, comparison sites are good, but theres some hidden gems to be found by going direct.

crazy times.

 

[oscar]

Different strokes for different folks sir. Your post code is the all important thing which your premiums are based of alongside the usuals such as age driving experience and the car itself. Adding parents on should make it more expensive as your policy is always calculated on the highest risk driver or at least thats how its supposed to work yet sometimes back in the day adding mum on made it cheaper or silly stuff like being 17 and being able to insure a 320bmw for cheaper than a 3 cylinder corsa. Silly sausages them insurance companies

 

[LC]

Different strokes for different folks sir. Your post code is the all important thing which your premiums are based of alongside the usuals such as age driving experience and the car itself. Adding parents on should make it more expensive as your policy is always calculated on the highest risk driver or at least thats how its supposed to work yet sometimes back in the day adding mum on made it cheaper or silly stuff like being 17 and being able to insure a 320bmw for cheaper than a 3 cylinder corsa. Silly sausages them insurance companies

Yeah my prior policies worked (on a 1.0 corsa after i added my parents) something like:

3300 - 1700
1625 - 880

(through co-op young drivers)

Today : 1300 - 700

(admiral)

My parents have moved to a more privileged area though reduced the price by £400

 

[oscar]

Thats a good deal sir well in

 

[ollieallen]

I have my mum on my policy and it dropped it considerably! Post code definitely makes a difference too though as said above

 

[BlackTwingo-i]

Without parents.. £4500
With parents £1500
20yo

No brainer

 

[ollieallen]

Without parents.. £4500
With parents £1500
20yo

No brainer

Cheaper than mine....

 

[LC]

What insurance group are your 133 and Cups? Keep getting conflicting results from google

 

[DrDrew]

133 is group 8 in old insurance brackets, think it's 21 on the new range. Don't think there's any difference in insurance group across the 133 range.

 

[LC]

133 is group 8 in old insurance brackets, think it's 21 on the new range. Don't think there's any difference in insurance group across the 133 range.

8 to 21 wow that's a big jump! what's new/changed that justifies that?

 

[DrDrew]

Old system is on a scale of 1-20, new scale is 1-50.

 

[BlackTwingo-i]

Without parents.. £4500
With parents £1500
20yo

No brainer

Cheaper than mine....

Oh my! I though mine was ridonculous!!

Tiz a 2.0l though

 

[ollieallen]

Oh my! I though mine was ridonculous!!

Tiz a 2.0l though

Haha I have no NCD though so that's the reason! Wrote a car off in Feb this year and last year. Definitely isn't my luckiest month of the year

 

[LC]

Hello all back with some tips, i've been using gocompare this time:

684.00 - no peak times
680.00 - higher value i.e. 5500
681 - under 1000 miles p/y
£650 - under 7000 miles
£689 - upto 10,000
£629 - parked on road not drive
£592 - pay next month
£534 - select pay in full option (not monthly as prices are higher before apr)

 

[Rob_McLav]

My cup was £330 fully comp 29 yo tho and 9 years no claims. My insurance was cheaper if I garaged my car which helps.

 

[JMR]

Just about to insure my 182 Cup with Admiral (group 17/20 old insurance, group 34 new system)
£160 total xs
full NCD
no accidents, losses, points
Protected NCD
6k miles per annum

£ 203 per year.

I was really happy with this, I think Direct Line were about £258.
Still cheap for a hot hatch.

 

[funky_d]

I'm 20 and my cheapest quote on the 133 with Direct Line was about £436 for the year (I pay £37 a month for it though). I have 4 years NCD, had my license for 3, that's with my car saying its parked on my driveway most of the time and in my office's car park during the day.

Quote for my new Ibiza Cupra when I finally get it is a whole 40p a month more lol. I found that it made a big difference to my price when I told them I was insured on my mum's car as well, not entirely sure why though

 

[waitey]

I'm 20 and my cheapest quote on the 133 with Direct Line was about £436 for the year (I pay £37 a month for it though). I have 4 years NCD, had my license for 3, that's with my car saying its parked on my driveway most of the time and in my office's car park during the day.

Quote for my new Ibiza Cupra when I finally get it is a whole 40p a month more lol. I found that it made a big difference to my price when I told them I was insured on my mum's car as well, not entirely sure why though

How do you have 4 years NCB and only had your license 3 years, did you have a moped at 16?

 

[JMR]

Thats a good price funky_d !! Really good for your age, I was paying £325 for mine last year and I'm 40!
Then again I had 1 claim still live, but thats over 3yo now.

PS did you get your footrest??

 

[JMR]

How do you have 4 years NCB and only had your license 3 years, did you have a moped at 16?

Funny that, the first year I insured the mrs' car, I got an introductory 1yr NCB. Because she was a teacher, she got another 1yr NCB, and there was an offer on for an extra 1yr NCB or 10% if you were a female driver, so after 1 yr of driving I had got her a full 60% NCB, so I protected it on year two and have done ever since.

Good question though waitey, how did you get your 4yr NCB funky_d??