Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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About to renew, found a good price (£320 with Chris Knott,250 excess £60 cheaper than renewal) but he mentioned being under 25 a few times, the thing is in 25 2 month after renewal. Anyone up on it and know if it would be worth the hassle trying to sort some interim 2 month deal out?
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Daimo B
Member
Registered: 20th Mar 00
User status: Offline
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No
Just like full NCB.
No advantages over 2-3years ncb.
The only thing worth having is protected ncb, and legal cover 
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nova_gteuk
Member
Registered: 15th May 02
Location: South Wales Drives: The Bandwagon
User status: Offline
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What Daimo said.
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Dan Lewis
Member
Registered: 31st Jan 05
Location: Leicestershire
User status: Offline
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why dont you ring back with fake details or ask him to change it so your 25 to see if there is a massive difference.
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Adam_B
Member
Registered: 13th Dec 00
Location: Lancashire
User status: Offline
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Depends on the company, you cant just say yes or no including every single car insurance firm.
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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quote:
Originally posted by VXR
No
Just like full NCB.
No advantages over 2-3years ncb.
The only thing worth having is protected ncb, and legal cover
Cheers, thought it would be the case. I fancy protected no claims, I think that would be worst part of claiming, losing 5 years then getting about 100 quid back after paying the excess. Right joke this insurance lark.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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I know Churchill will insure you on a modified car from 25
I think most do regard 25 as being the age to make it cheaper. It varies tbh as said.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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This is one advantage of being 26 and maximum NCB, clean license, insurance is peanuts.
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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are you sure? I believe they put you in a different risk group if you are =>25.
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Fad
Member
Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
User status: Offline
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Agreed it does make a difference as you are more likely to get insured on higher risk cars at more reasonable rates/ For example you could be 21 with full no claims and it will be cheaper to insure a skyline (for example purposes) at 25 oposed to 21.
Profession plays a big part in your quotes too
I actually asked this question to a broker at Brentacre and also my ex worked for an under writer and said the exact same thing.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Damm sure. Being over 25 you also get fully comp cover in Europe, and all the benefits of courtesy car etc etc. Can't fob you off anymore with stupid excuses about not being old enough.
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willay
Moderator
Organiser: South East, National Events
Premium Member
Registered: 10th Nov 02
Location: Roydon, Essex
User status: Offline
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2 years to go
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ed
Member
Registered: 10th Sep 03
User status: Offline
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You're no longer a young driver, so it should make a bit of a difference 
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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19-24 is classed as a "young driver" so on further research I reckon it would, but then 10%max (i reckon) of 320 isn't worth the hassle. How would I go about getting 2 month insurance?
[Edited on 17-11-2008 by Carl]
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Join the masses and don't bother with insurance.
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ed
Member
Registered: 10th Sep 03
User status: Offline
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Day Insure will do a two month policy...
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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quote:
Originally posted by ed
Day Insure will do a two month policy...
Just had a quick look and it says vehicle must not be modified. Looks like I'll just renew, bit of hard lines I'm having, but not end of the world.
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drunkenfool
Member
Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
User status: Offline
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When I was getting quotes for my skyline, i considered waiting a month so i would be 25 on renewal next year, I spoke to the guy on the phone and he did me a quote for 24 and 25 and there was almost no difference in it, so i went ahead anyway. The main advantage is that it opens up more companies who could possibly give you a cheaper quote, as many just refuse to insure the under 25s, especially on poswerful cars
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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Carl it's only £320 a year what you moaning about 
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N3CRO
Member
Registered: 12th Apr 07
Location: Sandy, Bedfordshire
User status: Offline
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When I hit 25, my insurance went down £200 (although the 1 yrs ncb probably had more to do with that) and even though I am only on 3rd F&T, I am now insured to drive other peoples cars.
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Carl
Member
Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
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quote:
Originally posted by Tom
Carl it's only £320 a year what you moaning about
my car is worth about £200 and its 320 quid on fuck all! True though, think I need to get a grip.
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