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Author Car insurance, How much is too much?
Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
5th Oct 11 at 12:56   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by harrisp
Graham, I've looked at E46 M3s (just out of interest 'cos I can't afford one) and the insurance is unreal on them £4k+ for me


How old are you? My quote is cheaper than some friends by miles, but a couple who live in nice areas are getting £500 cheaper with crashes & points, just doesn't make sense. I could get it £400 cheaper if I registered the car at my girlfriends address, but then I'd need to change my licence to that address too, can't be bothered with all that.
Toby
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Registered: 29th Nov 05
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5th Oct 11 at 12:59   View Garage View User's Profile U2U Member Reply With Quote

After i looked at a quote for you the other day and it was a nice result i went to look at one. Just need to get my head around the running costs and i will do it. Spoke to Admiral and they want £1270 on multicar policy so even cheaper than the £1430
Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
5th Oct 11 at 13:00   View User's Profile U2U Member Reply With Quote

Awesome! Colour/mileage/spec/year?
Daniel_Corsa
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Registered: 21st Apr 04
Location: Wigton, Cumbria
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5th Oct 11 at 13:05   View Garage View User's Profile U2U Member Reply With Quote

Never have never will pay over £1k think highest was £700.


April '06' Corsasport Feature Car | Aug '08' Total Vauxhall Feature Car | Spring '09' Fast Car Feature Car
Ben G
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Registered: 12th Jan 07
Location: Essex
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5th Oct 11 at 13:35   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by big eck
quote:
Originally posted by Ben G
i paid £2200 for a focus. madness when i look back.


What age were you??? I think that's total nuts lol.


i was 20 at the time. 23 now.

but i'd rather pay £2200 for a 20k car than £2000 for a 1k car. paid £1800 for my first corsa and insurance was £1400.

[Edited on 05-10-2011 by Ben G]
Tomnova16
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Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
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5th Oct 11 at 13:39   View Garage View User's Profile U2U Member Reply With Quote

i paid £1400 for a 1.0l nova when i passed my test


http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter
flybikeslee
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Registered: 2nd Jan 07
Location: Liverpool
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5th Oct 11 at 14:24   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by FlaFFy_91
my 1.2 8v corsa was 1600 when i was 17, then my 1.5 sohc vtec civic ek was 1800 when i was 18 with 1yncb then when i was 19 with 2yncb a seat ibiza 1.6 sport that was 1400 now im 20 with 0 yncb and a 1ltr n reg polo is 2100 a year :/
you guys think youve got it bad, bloody l.pool post codes are shite


your crash down though?
FlaFFy_91
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Registered: 30th Sep 08
Location: Formby, Merseyside
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5th Oct 11 at 14:58   View Garage View User's Profile U2U Member Reply With Quote

yer both of them :/

one fault one not fault
flybikeslee
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Registered: 2nd Jan 07
Location: Liverpool
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5th Oct 11 at 15:08   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by FlaFFy_91
yer both of them :/

one fault one not fault


so that's why it's gone up you knob
T21SVJ
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Registered: 14th Sep 06
Location: formby Drives: Company Cars
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5th Oct 11 at 15:13   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by flybikeslee
quote:
Originally posted by bigron1988
i pay £2500 now


on the vectra?! WTF, haha the octavia is £600 fully declared on a Liverpool postcode!



i hate you im paying 1200quid on my car, went up buy £200 because i changed my job
flybikeslee
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Registered: 2nd Jan 07
Location: Liverpool
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5th Oct 11 at 15:27   View User's Profile U2U Member Reply With Quote

change it back...
Twiggy
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Registered: 15th Oct 04
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5th Oct 11 at 15:50   View User's Profile U2U Member Reply With Quote

When i first got my Vtr @18 I was quoted £1500 on a 1.1Metrol or £1800 on a Vtr

It was bright yellow!
harrisp
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Registered: 15th Dec 07
Location: Derbyshire
User status: Offline
5th Oct 11 at 16:11   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Graham88
quote:
Originally posted by harrisp
Graham, I've looked at E46 M3s (just out of interest 'cos I can't afford one) and the insurance is unreal on them £4k+ for me


How old are you? My quote is cheaper than some friends by miles, but a couple who live in nice areas are getting £500 cheaper with crashes & points, just doesn't make sense. I could get it £400 cheaper if I registered the car at my girlfriends address, but then I'd need to change my licence to that address too, can't be bothered with all that.


Im 21 with 3 years ncb, and do live in a fairly rough area, might see how cheap it is to register at my GFs address
Toby
Premium Member

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Registered: 29th Nov 05
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5th Oct 11 at 16:44   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Graham88
Awesome! Colour/mileage/spec/year?


05 2005

Grey, immaculate 19's, SMG, Red Nappa, All trimmings (TV/SATNAV/HARMON KARDON)

60k

Guy said i will get change from £12k although its up for £12,750.00

I want it. Just swallowed hard when he said it cost over £900 for four tyres and its the running costs that are hurting. Would only keep it for two years though until my rents boots me out (again ) so only one major service and a set of tyres and then your general maintainece and consumables i guess

And in answer to the OP my brother paid £3,400 (cash and multicar discount) to insure his corsa and my other brother will be doing the same when the army put him through his test shortly.

[Edited on 05-10-2011 by Toby]
bigron1988
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Registered: 29th Aug 09
Location: Southport, Merseyside
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5th Oct 11 at 19:23   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by flybikeslee
quote:
Originally posted by bigron1988
i pay £2500 now


on the vectra?! WTF, haha the octavia is £600 fully declared on a Liverpool postcode!



traders insurance
Graham88
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Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline
5th Oct 11 at 19:32   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Toby
quote:
Originally posted by Graham88
Awesome! Colour/mileage/spec/year?


05 2005

Grey, immaculate 19's, SMG, Red Nappa, All trimmings (TV/SATNAV/HARMON KARDON)

60k

Guy said i will get change from £12k although its up for £12,750.00

I want it. Just swallowed hard when he said it cost over £900 for four tyres and its the running costs that are hurting. Would only keep it for two years though until my rents boots me out (again ) so only one major service and a set of tyres and then your general maintainece and consumables i guess

And in answer to the OP my brother paid £3,400 (cash and multicar discount) to insure his corsa and my other brother will be doing the same when the army put him through his test shortly.

Awesome, sounds like he's willing to take quite alot less?? Yeh I have been enquiring about tyres, about £700-900 depending on tyres, 235/35/19 & 265/30/19, not the end of the world! The guy spends £1200 on Michelin Pilot Cup Sports that I'm getting mine from lol. I'm the same, will only own it for a bit then time to go sensible and get hardcore saving for house deposit.
Baskey
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Registered: 31st May 06
User status: Offline
5th Oct 11 at 19:34   View User's Profile U2U Member Reply With Quote

It's all relative to your income. If you can buy and run an m3 at 21 then £1600 isn't really alot.

harrisp
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Registered: 15th Dec 07
Location: Derbyshire
User status: Offline
5th Oct 11 at 20:27   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Baskey
It's all relative to your income. If you can buy and run an m3 at 21 then £1600 isn't really alot.




I can buy and run one comfortably, because I live with my parents still so don't have many outgoings and I either walk to work or get picked up and will also have use of a van so car will be just used for my pleasure.
The insurance is easily affordable but £1800 is still a lot to pay.

[Edited on 05-10-2011 by harrisp]
shaned12345
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Registered: 28th Sep 10
Location: Melton Mowbray, Leicestershire
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5th Oct 11 at 22:47   View User's Profile U2U Member Reply With Quote

£2500 on a bmw 318is e36, and im 20
Archie
Organiser: Scotland
Premium Member


Registered: 18th Dec 07
Location: South Ayrshire
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5th Oct 11 at 23:06   View User's Profile U2U Member Reply With Quote

Currently paying £1200 for a traders policy.
23, 2 years NCB.

£7.5k value limit, up to 8 personal cars.

I was paying £580 to insure my Corsa GSi this year, but HIC fucked me when i bought a Civic VTI so cancelled it and got a trade policy as it worked out cheaper than paying 2 lots of insurance, and its handy to have.
harrisp
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Registered: 15th Dec 07
Location: Derbyshire
User status: Offline
6th Oct 11 at 03:50   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by shaned12345
£2500 on a bmw 318is e36, and im 20


Toby
Premium Member

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Registered: 29th Nov 05
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6th Oct 11 at 05:46   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Archie
Currently paying £1200 for a traders policy.
23, 2 years NCB.

£7.5k value limit, up to 8 personal cars.

I was paying £580 to insure my Corsa GSi this year, but HIC fucked me when i bought a Civic VTI so cancelled it and got a trade policy as it worked out cheaper than paying 2 lots of insurance, and its handy to have.


Who defines the value though? Any restrictions in.engine size and or power
Eck
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Registered: 17th Apr 06
Location: Lundin Links, Fife
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6th Oct 11 at 06:24   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by shaned12345
£2500 on a bmw 318is e36, and im 20


Why on Earth would you pay more than the car's worth
flybikeslee
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Registered: 2nd Jan 07
Location: Liverpool
User status: Offline
6th Oct 11 at 08:15   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by bigron1988
quote:
Originally posted by flybikeslee
quote:
Originally posted by bigron1988
i pay £2500 now


on the vectra?! WTF, haha the octavia is £600 fully declared on a Liverpool postcode!



traders insurance


ah fair play then!

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