Insurance

[X5Sport]

Why would a driveway make it more expensive?  ???

I would have expected on street parking to be 'higher risk'......I can never understand these brokers...

R

[Sanj]

Keys get stolen - car on the drive, they know where to get the car from. On the street, 'less risk' - they're not sure where it is.

Garage is even higher btw. Stupid, I know.

Oh and your job description is another as is the age old - adding the missus to the premium (cheaper).

[X5Sport]

I wonder if it comes down when you have kids?    Well up until they're old enough to drive of course!

Not that 'Peanut' will be allowed anywhere near my X6!  He can drive the Mini..... >:D

R

[Chompers]

[quote="huck"]
Did the yearly rigmarole in Feb. Will definitely keep your tips in mind for next year. Cheers.
[/quote]

No problem HTH

[malc1950]

Got a really good quote of Swiftcover with the legal and protected no claims for £425 very pleased a lot better than Admirals renewal  quote for £815
That was till I told them I had a non standard rear skirt . Now they have told me they won't insure me unless I remove the skirt,"its ok to mod the x but no skirts" , where are they coming from?



Sent from my iPhone 5 using Tapatalk

[huck]

I think you need to clarify with them what they mean by being ok to mod. Seems very contradictory.

(I'm with swiftcover too)

[X Box]

[quote="huck"]
I think you need to clarify with them what they mean by being ok to mod. Seems very contradictory.

(I'm with swiftcover too)
[/quote]

I agree. Seems an odd statement.

[535dboy]

[quote="Sanj"]
Keys get stolen - car on the drive, they know where to get the car from. On the street, 'less risk' - they're not sure where it is.

Garage is even higher btw. Stupid, I know.

Oh and your job description is another as is the age old - adding the missus to the premium (cheaper).
[/quote]

This is true

[Sanj]

[quote="malc1950"]
Got a really good quote of Swiftcover with the legal and protected no claims for £425 very pleased a lot better than Admirals renewal  quote for £815
That was till I told them I had a non standard rear skirt . Now they have told me they won't insure me unless I remove the skirt,"its ok to mod the x but no skirts" , where are they coming from?
[/quote]

Axa will no doubt be cheaper for you but Axa, Swift and Swift Plus are all the same co. and they ONLY insure low risk (meaning, older and unmodified). Keep at Admiral, they're more mod friendly but you need to speak to them and ask to help get the quote down.

Renewing AND getting a cheaper price is becoming harder and harder and you need to work at it BIG time.

20 years of insurance and every year I've managed to get it below the previous year (even if only by a few quid) but not this year. A combo of new/better 2nd car and declaration of mods means higher renewal for the first time. Not happy but have worked hard to get where I am (beased on my postcode/age/blah blah blah).

Keep pluggin' away!

[Lummox]

You lads and lasses want to think yourselves lucky, I am being punished with 1550 quid a year on the 4.8is and that is with adding the old man as a named driver (2140 quid on my own). A combination of 2 crashes in 6 weeks (one my fault and one not) and 5 points and a 480 quid fine really didn't help. I may be lucky with my renewal later on in the year as the points come off next month.

[Aaron_P85]

And who's fault is it for that then?...


Sent from my iPhone using Tapatalk watch out for autocorrect!!

[610kev]

hi renewal just arrived 520 with swift 12yrs ncb protected plus wife post code s60  .tried hastings direct same amount of cover 318 no contest ............kev  55plate 3.0d manual

[malc1950]

What they are saying is there are some mods wheels tyres ect they will accept but at a premium, but they won't touch body kits even at a premium,




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[huck]

[quote="malc1950"]
What they are saying is there are some mods wheels tyres ect they will accept but at a premium, but they won't touch body kits even at a premium,




Sent from my iPhone 5 using Tapatalk
[/quote]

Did you go on a comparison website? If so, which one was the next cheapest after swift?

[Chompers]

Another option to reduce premiums is to look at the Legal Protection Insurance. I have always taken this on our policies "just in case"  ::) however the rates do seem to keep going up. Its now around £24 per policy.

While I know some policies do include LPI at no cost, for those that do have several cars a generic policy like this http://www.memonline.co.uk/legal.html seems to be a much cheaper route to go.

Just a thought