Same with anything. The loyal people who renew regardless end up paying for people who shop round. The woman at sky even said as much to me
Jesus Christ that is a lot of money. Did you not think about just having him as a named driver on the policy with you as the main driver? £1,100 for myself, sister, mum and dad in my first year and £800 odd second year.
And when you come to try and get insurance in your own name you'll still get stung cos you won't have built up any of your own no claims bonus
My 18 year old lad had his first policy with Insurethebox. About 1500 cheaper than everyone else with a box that monitored his driving and he was supposed to get mileage bonuses for good driving. He couldn't understand why he never got the bonuses and it turned out they were classifying 60 mph roads as 40 limits and kept telling him he was continually speeding. They only admitted it when I sent them photos of the speed limit signs from the relevant roads.
Comparethe market is generally produces the lowest results...plus you get a free meerkat you can put on ebay and flog for £30...SIMPLES !
My daughter was driving through Manchester in her mums Mini and had a little bump, she thought she had the right of way at some lights and turned into a petrol station and was hit by a couple in a Toyota Land Cruiser. They were doing less than twenty miles an hour when they hit her side on and it dented the wing and door on the Mini and broke the bumper and a light on the Land Cruiser. As she was a new driver, I didn't want to claim on the insurance, so I called them up and offered to pay them cash for the repairs. Initially they claimed they didn't speak English, but they must have bought a phrase book, as they called me back and said they wanted £8k, at which point I told them to **** off and put it through the insurance. A few weeks later, my daughter was contacted by her insurance company, who said that they had received a claim for six people with whiplash injuries and extensive damage repairs to their vehicle. They appointed an investigator who interviewed her, along with her Uni mate who was in the car and he told them that he'd already interviewed the other couple and were sure that it was a spurious claim. She recently bought herself a car and had to find out what happened with the previous claim before she could get insured. It turned out that the insurer(who were LV) had paid out £23k to some no win no fee ****ers who handled the claim from the theiving ****ers that drove into her. I'm still ****ing livid about it now and it was over three years ago.
Because most insurers are spineless when it comes to defending claims, and most solicitors know this. So you (we) end up paying through your premiums. The insurers don't give a toss, it's your money but it gets the file off their desk. Tossers.
Exactly the same thing happened to my mates Sister in Bradford. Except they paid cash for the repairs and still got hit with a claim for whiplash injuries and vehicle repairs less than 2 weeks after the event. Denying knowledge of ever having had cash for repairs. Thieving, dishonest bastards!
No I mean endorsement, a warranty is something which if breached enables the insurance company to cancel the policy ab initio. An endorsement would only allow repudiation of a claim not voiding of the policy.
Age and car are the things that are letting you down. **** your Corsa right off, they have high risk in the 18-25 male age group as all the boy racers get cheap nails such as corsas, 106, Saxos etc and drive like twats. Get an old grannies car like a big ****ing vectra or something (but not a vauxhall as they're complete and utter dog ****) and watch your insurance drop. On my first year it was £600 cheaper for me to insure a 1.6 twin cam Astra than a poxy little 1 litre 3 cylinder corsa. 6 years on I can now insure a Ferrari 360 Modena for cheaper than I could insure a 1 litre 3 cylinder corsa when I was 18
3.5k!!!!!! You either live in a very rough area or you were ****ing robbed! I paid under £1000 on a 1.6 Astra for my first year when I was 18 in 2008! I agree, except for the bold part. Anyone who doesn't check out insurance premiums before buying a car is a clown, Most especially if it's for a first car, where the vehicle can make such a massive amount of difference, then they go from just being a clown to a complete and utter ****wit.
I think car insurance premiums might have been at an all-time high a year or two ago. They're slightly lower now for some reason but it was impossible as a 17/18 year old back then. I got quotes upwards of £20,000.
The fact I'll be older and have held my license for a couple of years will make it much cheaper anyway, my sister's was only £500 the first year she took her own policy
Insurance is a huge con, they make you have it & when you actually claim, they try every which way to get out of paying you. Most of the time it's best to add a little bit to your initial details. Is it left on the street, no, has it got an alarm, yes. Odds on you actually claiming are slim. The other year I did the whole thing on line, just to check it & someone said that if I called another insurer they would be much cheaper, (can't remember the names), so I called & they were saying that they could give me the best price, when they did it was £400 roughly more than what I got online, **** me I laughed when they told me. I told them that their amount was ridiculous & they then asked me what I'd been quoted before, I told them & they said that there was no chance they could get anywhere near that. Don't know why, so always ring round, check different comparison sites. It really is worth it. However be aware, your home could become infested by meerkats!
If you ever move to Canada be aware most companies won't take your driving experience in the Uk I had over 12 years no claims and was paying only £260 with my ex for a A3, now I pay over $1450 for my Lexus IS250 and it's my 4th year driving over here!
Last year, I insured my son as soon as he'd passed his test and it was double what I'd paid to insure my daughter in the same car in 2009.
I have both a bike and a car. I find it much easier to commute by bike. Plus it's cheaper. If you've never tried it then I'd say give it a go if you can. With the cycle to work scheme you can get a good bike and get it up to 40% cheaper with the tax & NI off your wages. I cycle to work all through winter and I rarely find the weather is that bad that I can't commute. I think there is some statistic that says it only rains on average of 12 times a year on your commute to work. Obviously no doable you live in Hull and work in Leeds.
