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Scubzjames

Insurance nightmare!

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Hey! So basically I got my Impreza just under a month ago, I searched round for quotes and the cheapest I could find was with a company called Hastings direct essential cover which was around £600 with 3 years no claims and I'm 26 years old. Since insuring the car they have messed me around asking for no claims proof which I know is common practise and didn't mind them asking, so I sent them my proofs and they replied saying they couldn't validate it because my no claims overlaped on 2 cars by more than 14 days. Now they asked me to get a new quote of them which they couldn't give me because none of the underwriters would quote me. (Don't know why). So they are giving me 7 days to find new insurance before they cancel the current policy.

i have looked around on comparison sites and can't find any prices anywhere near what I was originally quoted. Do you guys know of any specialist insurers that might be worth trying? My car is a 2nd car and is rarely used in the week and is sat on the drive most of the time, be lucky if I do 4000 miles a year. 

Thanks for the help.

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Theres a section on here for insurance 

Give @DAN@ADRIAN FLUX a shout

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Cheap quote £600!! 

I'm with Esure, not sure if they are on comparison sites.  Also give direct line a call as they aren't.  

Adrian flux are ok as per Rps. 

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Hes saying he cant get any quotes now mate...

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2nd the flux, with my mods i got fully comp for just under 400 quid

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If you don't mind me asking, what's your other car? I had a pissy little 1.2 sxi Corsa and 12 years no claims when I bought the 2000 turbo summer toy so I swapped the insurances round, after a year esure mirror imaged my no claims on both so I now have 13 years on both cars. I insure a dirty derv 330 BMW and the classic for £500. 

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I pay 1600 for my sti lol

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Well I was paying 600 for my sti until they decided to mess me around and cancel it on me lol. My other wheels at the moment is a van for work. The car that my no claims overlapped on was an BMW 320D.

i have accepted that I won't get a price close to 600 again and a part of me is just thinking they realised it's too cheap and have come up with an excuse to cancel it on me. I just thought that maybe there is an insurance company that specialised in Subaru like Adrian flux do with old minis. I tried Adrian flux and they came back with £1490 and a limit of 1500 miles :/

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Have u tried adding your mum as a named?

Sounds daft but it took mine down

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ye tried that lol. Who are you with? You pay 1600? How old are you if you don't mind me asking?

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£200 fully comp with Direct Line for my 2.0 WRX. But then that's the advantage of being a an old git 😊.

Sent from my HTC Desire 530 using Tapatalk

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A multi car policy might be an idea? That could drop it 10%. Who is the van insured through? 

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Im 28 mate but ive only had a van for about 5 years so lost my ncb on cars  im up for renewal in june so il have 1 year then

 

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A lot of its to do with where you live and where you keep it. Anything over 6 points for the same thing is bad too. If you get a CU 80 now, (caught on a mobile phone) its classed like a CD 10 20 or 30 (careless driving). The firm I work for won't take on anyone with a CU 80 on their license since the law changed because our insurance company won't touch them! 

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I just renewed my insurance. I was with 1st Central and was quite happy but I didn't declare any mods and my car is now too far done to pass as a factory lol so had to find something better. Tried Adrian Flux, A-Plan and Greenlight. A-Plan and Greenlight both quoted me just over £400 fully comp, Flux well over £600. Went with A-Plan. Give them a call

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£300 fully comp, 29 years old in a YO7 post code 😁

Sent from my HTC One M9 using Tapatalk

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2 hours ago, mattiekane said:

£300 fully comp, 29 years old in a YO7 post code 😁

Sent from my HTC One M9 using Tapatalk

That's so good but then again I disclosed a massive list of mods for mine which are covered in the policy with full comp drive anycar and a few other nice perks, +1 for adrian flux for mods otherwise I was with admiral who were also good and accepted basic mods

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42 minutes ago, mattiekane said:

£300 fully comp, 29 years old in a YO7 post code 😁

Sent from my HTC One M9 using Tapatalk

Grandad....

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You see, this is the thing I hate about insurance companies. You have to pay a premium for each vehicle, but you can't drive both vehicles simultaneously. Some of us might be good behind the wheel -- but not that good! 

The insurance should be on you and you should be classed as to what you can drive. Apart from fire & theft, there is no reason for the vehicle to have the insurance. All vehicles should have F&T and rest of the insurance is on you.

I am close to this concept now with what I have. I can have 1 car or 20 cars and it'll cost me £900 total for the year. They insure me, the driver, not the car(s) I drive. The only time that the premium goes up is if I add a higher value motor on there and that is understandable. My liability pot has increased.

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Where did you get insurance like that ? That's the kind of thing I'd like. Bet most insurance companies won't do that as they'll lose out on loads of money they can charge for individual policies on the cars we own. 

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If its modded then Adrian Flux, Flux Direct or Greenlight who I think will match you NCB for a second car. I'm 23 and no other insurer will touch me haha

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It's a standard Home Fleet policy. My insurance is through Clegg Gifford but it is a spin off from a Tradex policy. The reason for this spin off is that it works under the same premise as a trader's policy but for people in the street. Therefore, you don't need to be a motor trader or a garage to have this.

The way it works is simple, as I explained above. It is based on liability, not specifically what the vehicle is. OK, if you loaded some form of Ferrari on there, it would load the premium. But so would adding a £100k motor anyway, as it is liability driven - so both go hand in hand. They probably would get a little twitchy as well if you were running a fleet of Fiesta's and decided to switch them all to Skylines & Impreza's. So there is some risk with the car, but it isn't so significant. It is about you, the driver.

I am an old git, live miles from any Crimewatch scene in the middle of nowhere and have a good driving record with full NCB. I pay £900. I pay that if I had 1 car or 20 of them, as said above. It doesn't matter how many I have, in reality, because I can't drive them all together. I can add and remove vehicles, just by a phone conversation and no fee attached for admin.

Car insurance is money for old rope. All the car insurance industry places a risk on is that there are more safe drivers in the portfolio than unsafe drivers. If you are an unsafe driver, then you pay dearly, as some of you know. So it assists this balancing as well.

Another piece of the scam, if you like. You could own a £1000 motor, insure it for £500. You then decide to buy a Scooby, worth £5000, and the premium doubles to £1000 because of the price of the car and its performance. Why does £500 premium stop you colliding with a £200k Ferrari and totaling it anymore than a £1000 premium ? It doesn't. They place the risk on you and your car, but not what you could hit. The cost to the insurance industry is cheaper if you hit another £5000 motor - but that isn't guaranteed and nor is the intent of the insurance. It does not exclude what you can and can't hit with / without being covered. So how does that work people ?

So given that you pay variable amounts for the type / price / performance of the car you own, doesn't it give you a sense of unease that you could create a whole load of £££ damage that is immaterial in your insurance contract. All the insurance hike from the £500 to the £1000 is stating is that they are a little more uncomfortable with what you drive, not what you hit. If it really does boil down to that, then the insurance should be on the person and the variability in price between a 1.0L 100bhp Fiesta and a 300bhp Scooby should be negligible.

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Just had greenlight call me back they will insure my modded scooby for just under £600 which I think is a good price. I'll check out the way Daz above is doing his insurance as I currently have 3 cars and a bike insured in my name. 

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I managed to get hold of Gary at Keith Michaels. Got it for £850 which I was pleased with!

i also had a claim in 2015 because someone decided to plough into my old car and write it off when I was in bed 😡

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