Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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right had my £830 quote off diamond on the net, rang up to confirm it, said that was a provisional quote and they actually wanted £1300 off me for 10 month of cover! (18 on a new astra sxi 1.6 16v, 1 ncb), so said id ring them back after trying few other places.
give elephant a ring (as im with them now and still have one month left of my policy so was goina see how much it would be to change policy from the corsa for the last month), said theyll change the 1.0 corsa to the astra without any extra cost for the last month, then renew me for the next year, fully comp for £900  all sorted now, well happy
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Get that in writing Lynneth
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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shes posting out the documents straight away in the mornin
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Well thats fully ace then Ken.
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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aye ken! mate rang me beofre sayin shes been quoted £1400 tpft on her 1.2 p reg punto 
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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not a bad deal then 
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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well im currently payin £680 tpft on a V reg 1.0 corsa, so moving to £900 for a 54 astra sxi 1.6 16v isnt bad like
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dannycorsa c
Member
Registered: 8th Mar 03
Location: manchester (astley/tyldesley)
User status: Offline
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fannytastic.
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SetH
Member
Registered: 15th Jul 01
User status: Offline
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its cos when your young u suck at driving and you crash and shit.
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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I dont get how this works?! Loads ppl on here seem to get great deals with Elelphant! They want over £1800 Fully Comp for a '94 1.2 Corsa Swing that I drive! I live in the lowest Crime Rated Postcode Band (GU) and last year I was on Mums Insurance TPFT for £1110 with Direct Line - I thought that was steep! Insurance is due in January and Iv already got loadsa quotes for me exceeding £1500!!! AA wanted £2500! I couldnt believe it! But good on u lynny_sxi  ... lucky biatch!
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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i cant believe how much quotes can vary like, mine have gone from £900 to £5400! even on the 1.0 corsa when i got it i got quotes as high as £2,000 tpft 
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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Yeh I hate insurance companies! I may use RAC as they do bonus accelarator - 9 months cover with them = 1 yrs NCB, do 5 years of that and you get 5 yrs NCB 15 mnths early! not sure how much they want from me tho. Why do insurance companies charge so much and then complain why there are sooo many young uninsured drivers on the road?! Id hav thought its obvious really! Im not saying Id do that but I can kinda c y it happens! 
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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aye my last policy was 10 month = 1ncb, but you could only do it once, then had to have 12month to get a ncb.
it is very expensive driving like, buying the car, learning to drive, insurance, tax, mot, petrol etc, but cant relaly use that for an argument peopel driving without insurance, the bus is much cheaper!
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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i cant get them to make any sense either
my car costs me about £870 FC
omega 3.0 V6 £520 FC
Nissan 200SX Turbo £1360 FC
WTF???
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by robmarriott
i cant get them to make any sense either
my car costs me about £870 FC
omega 3.0 V6 £520 FC
Nissan 200SX Turbo £1360 FC
WTF???
Yeh Deffo, y r insurance companies such retards?! 
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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its a mystery to us all! anyone on here work in car insurance? know it goes on risk etc but the example of me and my best mate, why is mine soooo much cheaper when both the same age, mines a newer more powerful car and shes been driving couple month longer than me
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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yeh ther dnt seem to be ne logic 2 it! and ur driving a pretty powerful car for "our" kinda age! I dnt get it at all. I also dnt get y Elephant seems to work out soooooo cheap for sum ppl and a rip off for ppl like me! I know women get lower insurance from the start as they r apparently lower risk but it still dnt make sense!
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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newer cars cost less to repair, and thus less to insure
take the corsa for example
1.4 sport is ins grp 6
1.6 sport is ins grp 10
and the 1.8 SRi corsa Cs are ins grp 9
its all down to the car really
and size of it makes a difference, 1.6 astra will be less to insure than a 1.6 corsa, but a 1.6 veccy will be less still
still stupid though
i hate being persecuted for being young... its not my fault
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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like it or not, theres a huge proportion of 'new drivers' aged 11-21 who drive like total tossers, think that because they have a licence it means they can drive and that theyre invincible and therefore risk other peoples lives. insurance companies obviously cant come out and see how everyone drives individually so has to tar everyone with the same brush
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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no exactly, looks like I should get a much newer corsa next time then! or maybe sumthin bigger! Insurance almost crippled me in my 1st year last year as I wasnt expecting it to be that much!
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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quote:
Originally posted by lynny_sxi
like it or not, theres a huge proportion of 'new drivers' aged 11-21 who drive like total tossers, think that because they have a licence it means they can drive and that theyre invincible and therefore risk other peoples lives. insurance companies obviously cant come out and see how everyone drives individually so has to tar everyone with the same brush
why?
everyone should be induvidually examined so they get a fair premium
i mean, yeah, i drive a modified car, and yes i like to drive it hard, but i dont see why i have to put up with paying extra just cos little johnny davis down the road crashed into a field
i didnt, havent and dont intend to any time soon, i look after my car more than some posh fucker whos been bought a brand new car for his 17th would, and i can drive better than him too
even with my pass plus thingy, my premium is a joke
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M333KS D
Member
Registered: 15th Mar 04
User status: Offline
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well happy with mine, it was £1200 on me corsa c (1.8 sri)
and on me beemer (330ci fully loaded bla bla) its 1300 and thats at 20 with 3 years ncb, mint
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Rich H
Member
Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline
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quote:
Originally posted by M333KS D
well happy with mine, it was £1200 on me corsa c (1.8 sri)
and on me beemer (330ci fully loaded bla bla) its 1300 and thats at 20 with 3 years ncb, mint
Yeh can c y ur chuffed with that!
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Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
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quote:
Originally posted by robmarriott
quote:
Originally posted by lynny_sxi
like it or not, theres a huge proportion of 'new drivers' aged 11-21 who drive like total tossers, think that because they have a licence it means they can drive and that theyre invincible and therefore risk other peoples lives. insurance companies obviously cant come out and see how everyone drives individually so has to tar everyone with the same brush
why?
everyone should be induvidually examined so they get a fair premium
i mean, yeah, i drive a modified car, and yes i like to drive it hard, but i dont see why i have to put up with paying extra just cos little johnny davis down the road crashed into a field
i didnt, havent and dont intend to any time soon, i look after my car more than some posh fucker whos been bought a brand new car for his 17th would, and i can drive better than him too
even with my pass plus thingy, my premium is a joke
i agree with you, people should be assessed individually but realistically it cant happen, look how many people are on the roads today. i feel the same like, i dont get a penny of my parents and to be buyin a £10k car at 18 with money im workin damn hard for believe me i am going to take care of it!
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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i'm gonna rebel against my insurer and write them a snotty letter of complaint
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