Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Can you help settle a minor dispute at work 
1) Does the colour of the car affect the insurance premium?
2) Is Elephant designed specifically for men (like diamond for women)?
Cheers
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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Colour i doubt as with quotes online u never specify that...
And no elephant is for both male and female, its main purpose is an "internet only" insurer.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
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Exactly what I thought.
But, this guy reckons that black cars are dearer to insure because you can't see them at night? 
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dazbircher
Member
Registered: 6th Dec 05
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what a bellend that guy is
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Jodi_the_g
Member
Registered: 7th Aug 01
Location: Washington D.C
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some colours are slighty more with other insursers due to the cost of repairs like the seven tone tvr for example though i would imagine very few insursers do this anymore.
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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Total nonsense 
My girlfreinds dad was in car insurance for 25years and says that if a car were any colour to be more "at risk" than any other it will be silver. They are harder to see in general apparently. Thats striaght from the horses mouth but it won taffect the premium.
saying that it could be differnet from company to company, could have their own policeis.
And PMSL at black cars beiong harder to see, i guess that would be right, if it didnt have ANY LIGHTS Tool.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Yes, he is a nob
But, you know how it is when someone has an idea in their head and they think they're right.
It takes me showing them a page on a forum with 10 replies for them to shut their gob
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Jodi_the_g
Member
Registered: 7th Aug 01
Location: Washington D.C
User status: Offline
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I was not saying becuase of risk just the cost of repairs.
Though to be fair i would imagine this would be taken into consideration.
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Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
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generally though, any normal colour is about the same price for repairs, its only silly flips which cost more
i dont remember having to tell my insurer what colour any of my cars were
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JadeM
Premium Member
Registered: 9th Feb 06
User status: Offline
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1. No
2. No
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
User status: Offline
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quote:
Originally posted by loafofbrett
Can you help settle a minor dispute at work
1) Does the colour of the car affect the insurance premium?
Paint finish can raise your premium a little.
For instance a metalic or pearlescent car may command a higher premium than the same vehicle in a basic colour.
Some companies realy load on certain finishes.
For example, the chromescent colours/finishes that MGR listed as options on their later cars will raise your premium significantly over that of a solid colour.
This is due to the extra cost of materials and the labour involved in restoring the finish after an accident, along with the extra ammount of bodywork that normally has to be done to get a good match.
This was confirmed by my broker, and I am not surprised, as the most expensive finish MGR offered was another 2.5k on list.
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SVM 286
Member
Registered: 13th Feb 05
Location: pain
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quote:
Originally posted by Jambo
And PMSL at black cars beiong harder to see, i guess that would be right, if it didnt have ANY LIGHTS Tool.
Mine's impossible to see at night Jambo. 
You only hear it and then it's gone.
It's like the Predator.
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Jake
Member
Registered: 24th Jan 05
User status: Offline
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quote:
Originally posted by loafofbrett
Exactly what I thought.
But, this guy reckons that black cars are dearer to insure because you can't see them at night?
surely if their harder to see how is any bastard supposed to nick them?
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Lil_John
Banned
Registered: 26th Apr 06
Location: I come from the land down under
User status: Offline
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i thought this was true.
Iv got older twin brother and sister all details the same except the car colour and model.
Sisters is a black clio dynamique
Brothers is a silver clio billabong
Both 1.2 16v and 53 plates?
Sisters is 200 dearer.
(oh and we got a discount of 700 for buying the two clio's from arnie at once!!)
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John
Member
Registered: 30th Jun 03
User status: Offline
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The car model will make a bigger difference than the colour on they 2.
Model can make a large difference.
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Lil_John
Banned
Registered: 26th Apr 06
Location: I come from the land down under
User status: Offline
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But the bhp is the exact same on both extras are the same except one has an electric sunroof?
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Lil_John
Banned
Registered: 26th Apr 06
Location: I come from the land down under
User status: Offline
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And woman tend to be cheaper to insure, if im right?
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John
Member
Registered: 30th Jun 03
User status: Offline
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I'm not sure on that case, are they the same age etc?
Same company?
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Ry_B
Banned
Registered: 1st Dec 05
Location: Solihull, W Mids Drives: 45BHP beast!
User status: Offline
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If one is geared towards "sport" "sports" or "sporting" etc, with sports seats, nicer alloys bla bla then it's a bigger risk of being stolen and also a bigger risk of someone being a "boy racer" in it.
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