Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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Got my renewal though and its nearly £250 more than last year and is now £1017 with Quinn Direct for the year so need to start looking to see if i can get it cheaper and must be mod friendly so.....
How much are you paying?
Who with?
Age?
How many NCB?
Mods declared Y/N?
Im 24 with 4 years NCB.
[Edited on 21-09-2010 by wooly101uk]
[Edited on 01-10-2010 by wooly101uk]
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Scotty C
Member
Registered: 6th Nov 05
Location: Kidderminster Drives: 1.6 16v Sport
User status: Offline
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24, 2 years NCB, Big crash declaired, mods declaired - £650 TPFT
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ste_p23
Member
Registered: 29th Dec 08
Location: Hindley,Wigan
User status: Offline
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£750 TPFT.
With Brentacre.
Im 22.
3 years Ncb.
All mods declared.
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shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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Yours is probably going to be a bit different being an engine converted one Wooly  But to give you an idea this is what I pay on my 1.6 -
£1400 TPFT
Brentacre (Highway)
19
2 NCB
Everything declared
[Edited on 21-09-2010 by shaunmods]
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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quote:
Originally posted by shaunmods
Yours is probably going to be a bit different being an engine converted one Wooly But to give you an idea this is what I pay on my 1.6 -
£1400 TPFT
Brentacre (Highway)
19
2 NCB
Everything declared
[Edited on 21-09-2010 by shaunmods]
Quinn just change my policy so it was down as a 1.6 sport and thats what if been getting quotes on just classing mine as a 1.6 sport.
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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Defo shop around wooly, i was paying less than that on my 350z fully comp.
22 with 5NCB.
My corsa as a 1.6 was 794 tpft with all mods declared when i was 19, but insurance prices have gone up alot since then. XE was 1174.
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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Got a quote from Fluxdirect not sure if thats arian flux for £571 TPFT
Im currently fully comp but starting to think is it work being FC on a R reg corsa.
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Fro
Member
Registered: 20th Jun 06
Location: Rainham, Essex Drives: A3 2.0TDi Sport
User status: Offline
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That's how i saw it with mine and how i see it with my VR6.
Provided i dont hit anyone i would fix the car myself anyway as parts for both are cheap enough and there's always some being broken etc. so not worth losing no claims over.
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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Also just amended my currenty policy with Quinn to TPFT and went to £714.04 with my no claims protected and £598.98 with out my no claims protected.
Is it worth protecting my ncb (4 years) works out just over a £100 extra to protect.
[Edited on 21-09-2010 by wooly101uk]
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tom_simes
Show Staff
Organiser: South Wales
Premium Member
Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
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I was 23 when I insured mine in January:
All mods declared
3 years NCB
NIG through HIC
£492.
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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Should i just insure mine as a 1.6 sport even thou it was converted to a 1.6 over a year ago from a 1.2 8v breeze?
That what Quinn just did.
Tom are you FC or TPFT?
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shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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quote:
Originally posted by wooly101uk
Should i just insure mine as a 1.6 sport even thou it was converted to a 1.6 over a year ago from a 1.2 8v breeze?
That what Quinn just did.
Hmm personally I wouldn't try getting quotes as 1.6 sport as thats bending the truth slightly, unless the company is happy to do that of course. Try phoning some more specialist companies mate. Brentacre are a fantastic company to deal with and would 100% recommend them They give you a BHP limit and you can do anything to the car for free as long as you don't go above it
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Mark.W
Member
Registered: 3rd Jan 07
Location: County Durham
User status: Offline
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I tried brentacre last year when the engine change was done and they wouldnt insure me as i wasnt working at the time even tho i said id pay the full amount for the policy straight away 
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Chris x
Member
Registered: 11th Sep 08
Location: Bexhill
User status: Offline
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20, 2ynb, 17k miles a year, Fully comp
£1k
[Edited on 21-09-2010 by Chris x]
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Aerox-lad
Member
Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline
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never start crying about your insurance lol. im 18 and pay 2.5k for 10 months with admiral on a 1.4 sport.
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mike56gte
Member
Registered: 23rd Jun 09
Location: Fife, scotland Drives: Audi S3
User status: Offline
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quote:
Originally posted by Aerox-lad
never start crying about your insurance lol. im 18 and pay 2.5k for 10 months with admiral on a 1.4 sport.
 thats daylight robbery! i was £1100 on my 1.6sport when i was 17
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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 at the amount of people with only TPF&F Insurance.
Don't think i've had anything other than FC since i started driving 7 years ago.
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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quote:
Originally posted by fro-dizzle
Defo shop around wooly, i was paying less than that on my 350z fully comp.
22 with 5NCB.
i really don't get insurance, unless corsas are blacklisted as really likely to crash, or young lads in a corsa maybe.
i was shocked that the corrado was only £200 more to insure than my 1.4 corsa sport thats fully comp on a group 18 car, i was 25yrs when i sold corsa.
would be interesting to see people getting quotes on higher cost/higher performance/higher value cars
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3CorsaMeal
Member
Registered: 11th Apr 02
User status: Offline
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quote:
Originally posted by fro-dizzle
That's how i saw it with mine and how i see it with my VR6.
Provided i dont hit anyone i would fix the car myself anyway as parts for both are cheap enough and there's always some being broken etc. so not worth losing no claims over.
exactly, you don't have a massive amount to lose, also by the time insurance take their bit and argued through the accident you end up with not a lot of money and months of agro sorting it all out.
depends on the difference in premium i spose.
I insured the £150 fully comp iirc as i'm sure it worked out cheaper somehow (even more confusion)
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tom_simes
Show Staff
Organiser: South Wales
Premium Member
Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
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quote:
Originally posted by wooly101uk
Tom are you FC or TPFT?
That was TPFT.
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Eddx14xe
Member
Registered: 12th Jan 10
Location: Hertfordshire
User status: Offline
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quote:
Originally posted by 3CorsaMeal
quote:
Originally posted by fro-dizzle
Defo shop around wooly, i was paying less than that on my 350z fully comp.
22 with 5NCB.
i really don't get insurance, unless corsas are blacklisted as really likely to crash, or young lads in a corsa maybe.
i was shocked that the corrado was only £200 more to insure than my 1.4 corsa sport thats fully comp on a group 18 car, i was 25yrs when i sold corsa.
would be interesting to see people getting quotes on higher cost/higher performance/higher value cars
For me to insure a 1.6 sport with air filter, exhaust system, alloys and lowered fully comp 2NCB - £1600
For me to insure a standard 2004 civic type r - £1600
Both these were done with me changing my DOB so im 21 and putting i had 2 NCB
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tom_simes
Show Staff
Organiser: South Wales
Premium Member
Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
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quote:
Originally posted by A2H GO
at the amount of people with only TPF&F Insurance.
Don't think i've had anything other than FC since i started driving 7 years ago.
I don't quite get your point - my car was worth £1000-1200 max.
If I pay an extra £100 to insure it FC, and then wish to claim, that'll cost me £400 in excess (using figures I had on last years quote).
I then have to state that I have an at fault accident for the next 5 years, which led to the write off of my car. This will also put my premium up for those 5 years. Let's guess at a total of about £300 for those 5 years.
That means that I'll be paying a total amount of £800, if I insure FC and then claim. And what would I get back from the insurance company? About £800, maybe £1000 max? IMO, not worth it.
It's all about balancing the risk - yes, now my car is worth £6000, I'm insured fully comp, but when it was so cheap to begin with, I take the risk that I won't have an at fault crash, and if I do, I have to buy another car and lose out on a max of about £300 over what I'd have got back as an insurance payout.
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A2H GO
Member
Registered: 14th Sep 04
Location: Stoke
User status: Offline
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quote:
Originally posted by tom_simes
quote:
Originally posted by A2H GO
at the amount of people with only TPF&F Insurance.
Don't think i've had anything other than FC since i started driving 7 years ago.
I don't quite get your point - my car was worth £1000-1200 max.
If I pay an extra £100 to insure it FC, and then wish to claim, that'll cost me £400 in excess (using figures I had on last years quote).
I then have to state that I have an at fault accident for the next 5 years, which led to the write off of my car. This will also put my premium up for those 5 years. Let's guess at a total of about £300 for those 5 years.
That means that I'll be paying a total amount of £800, if I insure FC and then claim. And what would I get back from the insurance company? About £800, maybe £1000 max? IMO, not worth it.
It's all about balancing the risk - yes, now my car is worth £6000, I'm insured fully comp, but when it was so cheap to begin with, I take the risk that I won't have an at fault crash, and if I do, I have to buy another car and lose out on a max of about £300 over what I'd have got back as an insurance payout.
Yes, I would say TPF&F is only useful when your car is worth less than the annual insurance premium. I guess this has never been the case for me.
[Edited on 21-09-2010 by A2H GO]
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tom_simes
Show Staff
Organiser: South Wales
Premium Member
Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
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quote:
Originally posted by A2H GO
Yes, I would say TPF&F is only useful when your car is worth less than the annual insurance premium. I guess this has never been the case for me.
[Edited on 21-09-2010 by A2H GO]
But my car wasn't worth less than my annual premium? For me to go FC, it would be a £600 premium on a £1000 car. It's the extra expense of claiming that was the deciding factor for me.
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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I'm amazed how expensive some of these quotes are.
My golf must be similar performance to a sport, I pay £600 FC - 22, 5yrs NCB. Paid £440 last year
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