paggy23
Banned
Registered: 23rd Apr 06
Location: Greater Manchester
User status: Offline
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Right This is doin my head in now i drive a 1999 1.2 16V corsa any my mods are as follows:-
Lowered Suspension
16" Alloys With Yoko Tyres!
Led Techno Back Lights
Double Smoked angel eyes!
Scorpion Exhuast!
Window Tints!
Ive worked hard all year and done all the shifts i can to save up for my car get it all tip top and make sure everythings spot on which it is because after working hard all year i didnt want to drive a shed as Im sure you can all understand!
Im 18 and had my licence for 3 months so i have 0 NCB
My Insurance is £2700 fully comp with all my mods listed with liverpool victoria and people are telling me its a rip off so ive just this minute tried quinn who everyone recomend and they told me £2400 fully comp with no mods!
Do You Think i will be able to find cheaper insurance because for what my car is £2700 is alot for one years insurance on a students wage!
[Edited on 17-11-2006 by Ian]
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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I am having this dilemma at the mo aswell.
Had a crash in March, this put me down to 2 years no claims.
£1300 FC on a 1.6 Sport. Bummer 
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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Yes you can, I have no idea why your paying that much, i can't see why you want fully comp, and ffs just phone around erery insurance co. you can find, don't look in the back of max power, they're all rip offs, try the big insurers, most of the little insurers are owned by the bigger co.'s so they have to make a bit un top too if you understand me???!!!
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Baskey
Member
Registered: 31st May 06
User status: Offline
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Where do you live mate,
il live in the lowest rated area (right out in the sticks) and mine is £900, if i insured the car where i work (in the centre of bristol) its over £1500 so where you live can actully have more impact than the car you drive (to a certain degree)
What the first part of your post code?
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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quote:
Originally posted by Baskey
Where do you live mate,
il live in the lowest rated area (right out in the sticks) and mine is £900, if i insured the car where i work (in the centre of bristol) its over £1500 so where you live can actully have more impact than the car you drive (to a certain degree)
What the first part of your post code?
True, but still, why would you pay £2700 on FC if the car is only worth £2000?????? Just doesn't make sense to me.
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AK
Member
Registered: 5th Jul 00
Location: Aberdeen City
User status: Offline
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yup... it does seem a bit strange to insure a car, paying a premium of more than the cars value.
Will Liv Vic replace your mods like for like?
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Baskey
Member
Registered: 31st May 06
User status: Offline
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Nope, i paid £890 on my 1.6 corsa sport tpft when i was 18 but that was a couple of years ago
iv just looked and he lives in manchester. Thats the reason its so high
although your right that id never pay 2700 to insure a car !
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Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
User status: Offline
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quote:
Originally posted by Baskey
Where do you live mate,
What the first part of your post code?
it will be M something...
so quite a dear postcode
[Edited on 17-11-2006 by Ste L]
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paggy23
Banned
Registered: 23rd Apr 06
Location: Greater Manchester
User status: Offline
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BL5 my postcode
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eel
Member
Registered: 19th Oct 06
User status: Offline
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dont tell them abt the mods
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Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
User status: Offline
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bolton... didn't think it was that bad
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Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
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quote:
Originally posted by Ste L
quote:
Originally posted by Baskey
Where do you live mate,
What the first part of your post code?
it will be M something...
[Edited on 17-11-2006 by Ste L]
Sherlock!!
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AuroraSport
Member
Registered: 5th Mar 05
Location: Norfolk Drives: Audi B5 S4 Avant
User status: Offline
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quote:
Originally posted by eel
dont tell them abt the mods
wrong.
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Baskey
Member
Registered: 31st May 06
User status: Offline
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true certain areas of manchester are some of the highest ratted in the country, when i used to do bike insurance we wouldnt insure superbikes in certain areas of manchester, liverpool glasgow etc
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Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
User status: Offline
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quote:
Originally posted by eel
dont tell them abt the mods
you may as not bother insuring then 
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Kathryn W
Member
Registered: 12th Oct 03
Location: Widnes, Cheshire
User status: Offline
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quote:
Originally posted by Baskey
Where do you live mate,
il live in the lowest rated area (right out in the sticks) and mine is £900, if i insured the car where i work (in the centre of bristol) its over £1500 so where you live can actully have more impact than the car you drive (to a certain degree)
What the first part of your post code?
This is a similair story to me.. If i insured a car at my house, it would be £300 dearer then insuring it at Gaz's approx 10 minutes away if that 
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paggy23
Banned
Registered: 23rd Apr 06
Location: Greater Manchester
User status: Offline
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Ive thought about that but with all the Traffic Cars they have in bolton i would get very far!
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Stu
Member
Registered: 3rd May 00
Location: Madchester UK Drives: 2014 BMW M135i
User status: Offline
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The value of the car has little impact on the insurance price. No matter how much your car is worth, it will still make the same size dent in the Merc or Beemer it runs into the back of!!!! 
[Edited on 17-11-2006 by Stu]
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AuroraSport
Member
Registered: 5th Mar 05
Location: Norfolk Drives: Audi B5 S4 Avant
User status: Offline
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M Manchester
25-39,32,34-35,38,43,45-46 F* - this is the highest risk rating
30-31,33,41,44 E* - almost as bad
have you tried putting a parent on the policy as a named driver?
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Stu
Member
Registered: 3rd May 00
Location: Madchester UK Drives: 2014 BMW M135i
User status: Offline
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M34 Me
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paggy23
Banned
Registered: 23rd Apr 06
Location: Greater Manchester
User status: Offline
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yea ive asked but the stingy bastards wont do it!
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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I was insured on my Scooby with More Than and they sent me a letter saying they could no longer suit my needs and cancelled my insurance  Bastards, gave me £25 Marks & Spencers Vouchers to say sorry My postcode is Grade F
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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TPFT cover then, no real need for FC on a Corsa IMO.
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paggy23
Banned
Registered: 23rd Apr 06
Location: Greater Manchester
User status: Offline
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Why Not?
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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because you end up paying more than the car is worth, which is silly.
get a TPFT quote, and see how much cheaper it is.
then don't crash.
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