Apollo 0 Posted November 18, 2010 Report Share Posted November 18, 2010 Insurance is due for renewal in January - No company will quote me unless its within 30 days so I said my renewal date was within 30 dates for a roundabout quote. Bearing in mind I have only 1 yrs no claims (at renewal date) and the current policy started out with a Golf Cabrio and I have had 3 other cars since so the real amount for 1year is unknown...until now.2 detailed over the phone quotes with so called specialist insurance companies - both around £900!!My car is a standard VR with the only change being the wheels, so I went the internet quote route and have 3 different companies offering between £550-£600. When the date of renewal is closer I will be speaking to one of/all of them - even with a small increase to cover the wheels I am still quids in.Having read many an insurance thread lately it seems none of the specialist companies can compete with the internet lot. I am more than aware I need to speak to the internet based company over the phone to confirm everything thing but still IMO pounds cheaper.Opinions..... Link to post Share on other sites
p0u1 14 Posted November 18, 2010 Report Share Posted November 18, 2010 yea but how am i ment to insure my golf when it jumped from a 1.6 to 2.8, they wont touch me Link to post Share on other sites
oldmandon 1 Posted November 18, 2010 Report Share Posted November 18, 2010 yea but how am i ment to insure my golf when it jumped from a 1.6 to 2.8' date=' they wont touch me[/quote']Have you tried? What is it insured as now? A 1.6 or a 2.8? If you have been honest and declared it's hike in cc and you are insured now, NO reason why you wouldn't get insurance in the future.............. Link to post Share on other sites
Apollo 0 Posted November 18, 2010 Author Report Share Posted November 18, 2010 I was looking for comments about the so called specialist insurance companies versus the run of the mill compare my meerkat and save money at the supermarket dot com ones! Link to post Share on other sites
oldmandon 1 Posted November 18, 2010 Report Share Posted November 18, 2010 I've always found that the specialist just don't seem to be able to compete. I'm insured through LV. As a second car with 9 yrs no claims.......... Link to post Share on other sites
CALICO 130 Posted November 18, 2010 Report Share Posted November 18, 2010 ive just insured my mk1 golf gti for £145 with 3000 limited miles and that includes brake down cover fully comp lol check out norton insurance 0845 373 4774 Link to post Share on other sites
craggsy 91 Posted November 18, 2010 Report Share Posted November 18, 2010 Specialists are usually better With mods than the main stream insurers.Try getting insurance fro say Admiral if you've upped the power by say 50 bhpThey wont want to be interested, i know i wouldnt get insurede on the R32 thro a main stream insurer Link to post Share on other sites
oldmandon 1 Posted November 18, 2010 Report Share Posted November 18, 2010 ive just insured my mk1 golf gti for £145 with 3000 limited miles and that includes brake down cover fully comp lol check out norton insurance 0845 373 4774Did you also insure it as a classic with an agreed value? Link to post Share on other sites
spadam 7 Posted November 18, 2010 Report Share Posted November 18, 2010 Im insured through a specialist and they reduced the amount when i added mod. Im with hic all mods declared and only 21 when i insured it and i pay 600. Link to post Share on other sites
oldmandon 1 Posted November 18, 2010 Report Share Posted November 18, 2010 Im insured through a specialist and they reduced the amount when i added mod. Im with hic all mods declared and only 21 when i insured it and i pay 600.Is that comp or tpft? Also have you got limited mileage? Finally is is as a daily driver? Link to post Share on other sites
CALICO 130 Posted November 18, 2010 Report Share Posted November 18, 2010 ive just insured my mk1 golf gti for £145 with 3000 limited miles and that includes brake down cover fully comp lol check out norton insurance 0845 373 4774Did you also insure it as a classic with an agreed value?agreed value yep Link to post Share on other sites
spadam 7 Posted November 18, 2010 Report Share Posted November 18, 2010 Daily driver, 10000 miles a year and fully comp. Link to post Share on other sites
oldmandon 1 Posted November 18, 2010 Report Share Posted November 18, 2010 Daily driver' date=' 10000 miles a year and fully comp.[/quote']Got a good deal, especially for your age...well done squire Link to post Share on other sites
J5KE F 0 Posted November 18, 2010 Report Share Posted November 18, 2010 Hugh, try adrian flux.. No one i try an compete ever!!For instance the missus' bora is due, tdi 130 mods arw lowered with aftermarket wheels.. Sarah is 29 with 4yrs ncb and 1 protected claim at 1k 3yrs ago, adding me, named driver 33, sp50 (3points 3 yrs ago) actually made it cheaper! A flux £460 fully comp. Next nearest was elephant and admiral.. At 540 and 580, all conpare sites where way over!Sometimes i reakon its cheaper to move postcode lol!! Link to post Share on other sites
Apollo 0 Posted November 18, 2010 Author Report Share Posted November 18, 2010 Im insured through a specialist and they reduced the amount when i added mod. Im with hic all mods declared and only 21 when i insured it and i pay 600.I called them and the lowest they offered me was just under £1k......needless to say I said no.Also one to point out with HIC is that they are a broker and pass you onto a separate insurer. Link to post Share on other sites
Apollo 0 Posted November 18, 2010 Author Report Share Posted November 18, 2010 Hugh' date=' try adrian flux.. No one i try an compete ever!!For instance the missus' bora is due, tdi 130 mods arw lowered with aftermarket wheels.. Sarah is 29 with 4yrs ncb and 1 protected claim at 1k 3yrs ago, adding me, named driver 33, sp50 (3points 3 yrs ago) actually made it cheaper! A flux £460 fully comp. Next nearest was elephant and admiral.. At 540 and 580, all conpare sites where way over!Sometimes i reakon its cheaper to move postcode lol!! [/quote']Mr Flux.....£897.....I am now thinking and after reading other threads that unless your car is modded these people quote ridiculously high.....how/why is that? Link to post Share on other sites
Special K 81 0 Posted November 18, 2010 Report Share Posted November 18, 2010 I used to be with adrian flux but when i got the vr they couldbnt do better than 650 ish, i had been quoted online 350 and around that price, they couldnt better it.Main/big companies are rip off. I always advise people to check 'quote detective' its quick and easy and always comes up top when i do quotes and i do alot quotes 7 vehicles to be precise,lolIm due now 27nov, so i will be starting to look now in next week....prices are always better closer to the renewel date i find. Also check your mot's for your average milage, as companies will say average is 12000, you may only do half that which will bring price down. Link to post Share on other sites
oldmandon 1 Posted November 18, 2010 Report Share Posted November 18, 2010 Good advice about the mileage, I find I do less than I thought I would on my bike, but more in my car, well the Audi anyway as wifey keeps going to London to see Grandson................... Link to post Share on other sites
spadam 7 Posted November 18, 2010 Report Share Posted November 18, 2010 Hic have been really good for me and yes adding mods can bring the price down as some specialist companys dont insure standard cars. Link to post Share on other sites
jasonoldy69 1 Posted November 21, 2010 Report Share Posted November 21, 2010 I find specialists are easier to knock down in price. The bigger insurers seem to give you one price with a take-it-or-leave-it attitude. Link to post Share on other sites
djphantom25@hotmail.com 0 Posted November 25, 2010 Report Share Posted November 25, 2010 Ive been with directline for the past year, my premium last year was only £550 but just renewed it with them and it jumped to £850!! what the heck is that all about Link to post Share on other sites
Apollo 0 Posted December 16, 2010 Author Report Share Posted December 16, 2010 Update...Finally my current insurer has come up with a renewal quote £540 which is funnily enough the same as the amount I got from the compare website for the same company.However and this is strange - instead of just carrying on with the monthly amounts they want £113 up front deposit followed by monthly payments. If I go on compare the deposit is almost half the £113 they want.Very strange, but also good news that the amount has not dramtically increased for another year as most people seem to have gone up in price.I only have 1 years NCD as I hit the back of someone last year (Even the insurance company told me he was a serial claimant yet stilled paid him a grand out for a new rear bumper). Link to post Share on other sites
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