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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 09, 2015 11:15 am    Post subject: The Great British Insurance Game Reply with quote

So my insurance is coming up in February and I like to be ahead of the game and not get any surprises. Bit of a lifestyle change for me this year though and a few mods required on the old policy, so let the fun begin.

When modding my policy I always do one mod at a time and re-run the quote to see how it affects my price. I always start with the things to come off first, like points or claims that are over 5 years, then job changes, etc.

So my renewal (if it were in the next 30 days) same as last year is - £321.44

Then with the GF's 6 points off - £321.44

Then with the self employed job change from salesman in electronics to engineer in engineering - £318.38

Then if I decide I want to be a director of my firm - £319.74 (scratch that, I'll stick with rubbing rag engineer)

Then if I commute to and from a single place of work, instead of leaving the car at home on the drive where it's nice and safe - £305.67 Surprised WTF?

I'd love to know how they work their prices out???? I once put my best mate on as my civil partner and got it miles cheaper. I nearly wrote a letter of complaint to them for sexual orientation discrimination.

I also get cheaper quotes if the car lives on the drive instead of in the garage.

All prices quoted were with the same company.

Remember folks, always try a few different options when doing your insurance to see what gets you the best deal (but don't tell porkies on your renewal).
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New997buyer
Fuji


Joined: 17 Oct 2010
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PostPosted: Wed Dec 09, 2015 11:29 am    Post subject: Reply with quote

Big thumbs up for Bridle from me. Great price (£640) for living on the drive in London and being driven daily. I'm a happy bunny Very Happy
 
  
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 09, 2015 11:37 am    Post subject: Reply with quote

Mine would be in the region of £900 if I lived a mile or so up the road, due to a certain postcode (BB1) being one of the highest in the country for whiplash rear end shunt (and other) claims.

I'll not digress on the cause of all this, but just keep your distance if you see a car in front driving with a black ribbon tied to the bumper. Question
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Zeb
Montreal


Joined: 26 Feb 2008
Posts: 581
Location: Lancashire (on loan from Yorkshire)


PostPosted: Wed Dec 09, 2015 11:38 am    Post subject: Reply with quote

Alex....are you using this forum to come out of the closet or merely insuring your car.....?? Grin
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 09, 2015 11:42 am    Post subject: Reply with quote




Busted!! Damn
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Zingari
Donnington
Donnington


Joined: 25 Oct 2009
Posts: 12800
Location: Cheshire

1993 Porsche 964 Anniversary

PostPosted: Wed Dec 09, 2015 2:39 pm    Post subject: Reply with quote

I'm always confused.com literally by their prices. Dont know

For example despite the fact my wife never drives my car its cheaper to insure with her on it as 'married' are deemed lower risk what
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 09, 2015 2:47 pm    Post subject: Reply with quote

That's why I have the GF on it. She never drives it but my policy works out cheaper.

I once put my Mum on, who only has a provisional license and hasn't passed her test and is nearer 80 than 60. It worked out about 12% cheaper than not having her on what
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rabbitstew
Hockenheim


Joined: 21 Aug 2015
Posts: 701



PostPosted: Wed Dec 09, 2015 3:00 pm    Post subject: Reply with quote

Its "apparently" all down to statistics, but it never fails to amaze me each year.

The other year when I came to renew my insurance, adding my 90 year old Grandmother actually reduced the premium by a significant amount!

Putting down that I left the car on a public road dropped the premium again compared to leaving it in the garage or on the driveway. Saying that the car had no alarm or immobiliser also reduced the premium.

Interestingly, switching from saying I was "living with my girlfriend" to "being married" actually increased the premium. Maybe they assume married men are much more stressed and more likely to drive aggressively.

Even more interestingly, switching the car I was insuring from being a Nissan 350z Roadster to a new Lambo Gallardo halved the premium quoted!

This year adding the wife to my car insurance actually increased it, and removing my old Granny reduced it. All other details remained the same.
 
  
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Zeb
Montreal


Joined: 26 Feb 2008
Posts: 581
Location: Lancashire (on loan from Yorkshire)


PostPosted: Wed Dec 09, 2015 3:17 pm    Post subject: Reply with quote

alex yates wrote:
That's why I have the GF on it. She never drives it but my policy works out cheaper.

I once put my Mum on, who only has a provisional license and hasn't passed her test and is nearer 80 than 60. It worked out about 12% cheaper than not having her on what


Hmmmm....youve a girlfreind too you old fox!!! Confused Grin Grin
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 09, 2015 3:21 pm    Post subject: Reply with quote

It is all down to statistics, and what statistic set claim the most. That's why you can sometimes get high group insurance cars with low premiums on young drivers, mainly because no young drivers have claimed on that model of car. eg. I had a BMW 850i when I was in my early 30s and only paid £280 fully comp.

Problem is, insurance companies use the wrong (or not enough) statistics to make it a fair game.

Example: there used to be a very high amount of whiplash claims in Blackburn by young Muslim lads, but where does it ask for religion on your policy?
(I'm not suggesting insurance companies should ask this)

Yet they ask for your sexual orientation, eg. civil partner or cohabiting. WTF has that got to do with your premium? Dont know
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 09, 2015 3:23 pm    Post subject: Reply with quote

Zeb wrote:

Hmmmm....youve a girlfreind too you old fox!!! Confused Grin Grin


No, I'm just too daft (or not daft enough) to get married Thumb
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Zeb
Montreal


Joined: 26 Feb 2008
Posts: 581
Location: Lancashire (on loan from Yorkshire)


PostPosted: Wed Dec 09, 2015 4:04 pm    Post subject: Reply with quote

could resist it alex.... Thumb

anyway, back to the thread, i'm with you on this one one including last year when my daughter (20 at the time) was renewing her insurance and they asked her if she wanted me putting on the policy. My 6 points reduced it by £155!!

damned if I know why? Question
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Zingari
Donnington
Donnington


Joined: 25 Oct 2009
Posts: 12800
Location: Cheshire

1993 Porsche 964 Anniversary

PostPosted: Wed Dec 09, 2015 4:52 pm    Post subject: Reply with quote

alex yates wrote:
eg. I had a BMW 850i when I was in my early 30s and only paid £280 fully comp.


That's because they are usually driven by 'mature' drivers and your proffer of tartan carpet slippers and Greenwood's cardigan will have swung it Thumb

I can never understand why it is cheaper to insure a car on the drive than in a secure garage Confused

I'm thinking of putting father in law on one of my policies but at 75 with no attributable NCB will it reduce the policy I wonder Question
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 09, 2015 5:25 pm    Post subject: Reply with quote

Grin

The only explanations I can think of for the drive/garage scenario are:

More claims are made for cars getting damaged in the garage than on the drive, eg. kids bicycle scratches, reversing into work benches, roof/shelves collapsing.

%wise of claimants with garaged cars is greater than %wise of claimants with un-garaged cars Dont know

More cars get stolen out of garages because the culprit can't be seen in the garage when he's hot wiring it.

I still want to know why it's cheaper to be gay????
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Chris_in_the_UK
Estoril


Joined: 19 Mar 2014
Posts: 3579
Location: Harrogate


PostPosted: Wed Dec 09, 2015 5:45 pm    Post subject: Reply with quote

Did you try changing sexual orientation?.........

(on the quote system, not real life!)...... Hand
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Wed Dec 09, 2015 6:10 pm    Post subject: Reply with quote

Having a civil partner on the policy is cheaper than a cohabitor. nooo

Suppose I could ask the GF to have a sex change Grin

(I'd have one myself, but if I had a pair of boobs, I'd never leave the house Embarassed )
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Frenchmeister
Barcelona


Joined: 24 Feb 2014
Posts: 1328
Location: Beautiful Cumbria.

2004 Porsche 997 Carrera 2S

PostPosted: Wed Dec 09, 2015 9:35 pm    Post subject: Reply with quote

Alex, do tell the significance of the black ribbon on the bumper, by the scammers?
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Alex
Le Mans
Le Mans


Joined: 06 Mar 2014
Posts: 16363
Location: The Ribble Valley, Lancashire

2000 Porsche 996 Carrera 4

PostPosted: Thu Dec 10, 2015 12:23 am    Post subject: Reply with quote

Common practice in Blackburn that black ribbons on bumpers = shunts. As well as some other traits, but if you watch how you drive, then you'll be fine.

Sad society we live in.
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dwarak17
Newbie


Joined: 01 Mar 2016
Posts: 1



PostPosted: Tue Mar 01, 2016 7:05 am    Post subject: Reply with quote

Got an email today reminding us that the insurance is due end of the month on Sian's BMW, renewal price of £275. That seemed a bit steep so off to the comparison sites we go.

The Meerkat came up with £203 from Swinton with no voluntary excess but, when I added a £250 excess that went up to £208. Removing the excess took it down again - but only to £208. So that's a £5 charge just for asking!

Next was the owners of a certain popular moneysaving site.

They came up with £194 from M&S or Lloyds at £189. But they were showing windscreen cover as an "optional extra", so I ticked the box to see what happened. Lloyds crept up to £191 but M&S went down to £192.

Now really intrigued, I decided to see what protecting her NC would cost. With Lloyds it would add a perfectly reasonable £3, with M&S it again went down to a final price of £191.45

Happy with that price, but can't help wonering what they're playing at. I know it's only a few £ either way but why on earth do Swinton increase their price just because you check what difference an excess would make and why does it cost less to have windscreen cover and protected NCD with M&S than it does to not have them? That just makes no sense at all from a risk management POV!


eta: Just checked with the robot and, through them, M&S want £293. Unless we protect her NCD in which case they'll accept £214. That's a whopping £79 saving for taking an optional extra that's supposed to cost you more - no wonder they're confused!
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askgeez
Barcelona


Joined: 05 Apr 2015
Posts: 1474
Location: Essex


PostPosted: Tue Mar 01, 2016 12:59 pm    Post subject: Reply with quote

A very good friend of mine is my broker, owns his firm
I have a really decent policy with all bells & whistles. Eg fully comp on any car.
He throws in interest free instalments and legal.

Just did the meerkat thing out of curiosity

But as above , bizarrely £100 more to leave on drive rather than in a locked garage , behind locked gates

Was £150 benefit for adding wife on policy. Thought about adding parents but she has a blue badge for a medical condition , so can't imagine it will reduce my premium Laughing
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