Vehicle insurance

[algas]

Ok try to fathom this out, need to re insure wifes shopping trolley, dog, garden waste carrier 05 plate 1.5 dci Clio 60mpg £30 road tax, good little cheap run about.
Insurance fromm AA gone from £145 to £245 , no accidents etc, so get a quote for £175, from another company, it states the value of the car between £380-£330
With excess of £350 so im thinking just go for TParty as wouldn't get anything back if we were writen off ,that came up as £245 so how can T party be more expensive than fully comp?

 

[denso13]

Third party is associated with more high risk drivers so pay a premium. Not all are high risk of course, I did the same as you for my son's car and was surprised comprehensive was cheaper.

 

[Mottie]

Comprehensive is normally cheaper plus you are usually allowed to drive other vehicles as well as having windscreen cover.

 

[motorbiking]

Try adding your driving licence number. Made a big difference on the renewal of my 435d, which the g/f keeps crashing.

 

[johnny2007]

Yes, comprehensive always worked out cheaper for me.
And for some mysterious reasons business insurance was even cheaper.

 

[securespark]

We renewed ours at the beginning of June. Renewal was a complete rip-off, none of the four on the policy had any accidents or claims but we negotiated a figure closer to our last year's premium.

 

[Ivor Windybottom]

I usually find that Comp with as big an excess as they allow is the lowest price, mine's currently £1000. So it's part way to Third Party cover anyway.

I also found that adding my other half as a driver reduced the premiums.

Computers are stupid.

Make sure you buy via a cashback website, you can usually get £40-ish back this way.

My current insurance was £120 minus £40 cashback so £80. Comp, £1000 excess, with windscreen cover and business use for me. Blooming amazing. It didn't include breakdown and they didn't offer it as an option, so I got that from Asda for about £20 minus a fiver cashback.

 

[securespark]

Only used breakdown twice since 2009.

Once when the clutch failed at 150-odd thou and again recently when Mrs S had a puncture and I couldn't get a cross threaded wheel nut off the stud to change the wheel.....

Grrrr......

But it has been very handy when we've needed it, so we still have it.

 

[Justin Passing]

Always say you have access to another vehicle to drive - that reduces the premium. If they challenge you some time later, well you aren't on your mate's insurance now.

+1 to providing your DL number.

I had a FC policy on an old car, £250 or something with Direct Line, & inquired what that would be if I wanted to change the car to one worth £50k. Extra £30 they said. Mad. I queried it and they said it was because I'd already started the insurance - it was about 2 months in.
Online sites were quoting £1500. Eh?