Confused, drunk and rodgered

bertieduff · Post by **bertieduff** » Fri Mar 30, 2007 10:11 pm

Car off the road due to excessive insurance. Am I being shagged or just naive? Seems some peeps here are getting a far fairer deal, but I'm getting fed up spending days on the phone...

S2 04 Std Elise (2nd Car). 5000 miles limited pleasure use. garaged. hurricane.

Average quote £1400 comp.

Me 35, license 18 years, self employed architect.

Only one 'no fault' claim when some one ran into back of car last year. (soon as I bought it

)

Got hit when I bought the lotus with the: 'Sorry sir, as you didn't own a car for two years (company motor instead) you suddenly became a kamakazi risk to life and limb and you probably also molest children, so your no claims is invalid'

Hence only 2 years no-claims bonus now (18 by normal arithmetic!), but somehow this year my quote has gone up, even with another years no claims?

Dammit, I like sex, but only consensual, and not up the jacksie.

kenny · Post by **kenny** » Fri Mar 30, 2007 10:14 pm

Try A-Plan, best quotes for most.

r055 · Post by **r055** » Fri Mar 30, 2007 10:15 pm

sorry to hear it mate...

what does an elephant online quote come out as?

and what insurance companies have you tried?

renmure · Post by **renmure** » Fri Mar 30, 2007 10:43 pm

Definately sounds like you are being spanked!!
I am with A-Plan and pay less than your quote for an Exige, an Elise, a Ferrari and a MINI. Ages and driving (crashing) historys not too disimilar either so suspect something is being missed.
At least with A-Plan you get to speak to someone in a reasonable and knowledgable way and dont get the feeling that you are going through a box-ticking exercise with someone who isnt really that interested.

Hope you get something sorted.

Jim

Post by **campbell** » Fri Mar 30, 2007 10:50 pm

Adrian Flux.

bertieduff · Post by **bertieduff** » Fri Mar 30, 2007 10:59 pm

Cheers- couple I haven't tried yet there <BG>

DDtB · Post by **DDtB** » Sat Mar 31, 2007 12:27 am

I had a company car for 5 years and no insurance in my own name... got a letter from the company saying I had 5 years trouble free driving and most insurers classed that the same as 5 years no claims when I approached them....

sounds like you are being humped....

AON Esteem have been ok for me... but Heritage are also getting good reviews these days....

Dave.

Victor Meldrew · Post by **Victor Meldrew** » Sat Mar 31, 2007 12:59 am

DDtB wrote:I had a company car for 5 years and no insurance in my own name... got a letter from the company saying I had 5 years trouble free driving and most insurers classed that the same as 5 years no claims when I approached them....

sounds like you are being humped....

AON Esteem have been ok for me... but Heritage are also getting good reviews these days....

Dave.

For once I fully agree with the bendy one. AON are good, very reasonable.

craigieb · Post by **craigieb** » Sat Mar 31, 2007 10:33 am

bert, i'm almost identicall insurance profile to yourself ang got fully comp from admiral at about £700. have you tried them??

Tom · Post by **Tom** » Sat Mar 31, 2007 10:36 am

DDtB wrote:I had a company car for 5 years and no insurance in my own name... got a letter from the company saying I had 5 years trouble free driving and most insurers classed that the same as 5 years no claims when I approached them....

sounds like you are being humped....

AON Esteem have been ok for me... but Heritage are also getting good reviews these days....

Dave.

dammit, i couldn't get anyone to honour my 5 years company car history. kept talking about me owning the car, but it being a fleet policy, blah blah blah. ended up going with direct line

, but only £587...

Tom · Post by **Tom** » Sat Mar 31, 2007 10:37 am

craigieb wrote:bert, i'm almost identicall insurance profile to yourself ang got fully comp from admiral at about £700. have you tried them??

what he said, admiral, and maybe bell as no claims not so good. confused is a good way of hitting a few in one go.....

GregR · Post by **GregR** » Sat Mar 31, 2007 11:16 am

I was less than your original quote, and I had 2yrs NCB, but was 24 with a very dirty licence; think it was £1200 or so with elephant.

As said above, you're being rodgered so shop around

bertieduff · Post by **bertieduff** » Sat Mar 31, 2007 3:08 pm

Cheers...as I suspected i'm getting roasted then

- not sure why they are all coming back so high

A lot of places declined to quote because of the size of the no- fault claim, which doesn't really make sense

kenny · Post by **kenny** » Sat Mar 31, 2007 3:14 pm

None of the companies I phoned seemed particularly bothered about my £6k claim last year.

ExigeKen · Post by **ExigeKen** » Sat Mar 31, 2007 3:16 pm

Tom wrote:dammit, i couldn't get anyone to honour my 5 years company car history. kept talking about me owning the car, but it being a fleet policy, blah blah blah. ended up going with direct line , but only £587...

Direct Line took a letter off my company and gave me no claims based on driving a company car. I had looked around for quotes recently and found that no one really wanted to know a Lotus driver who had had a crash recently. However I am only paying £700 for the Exige and that includes £120 to protect my NCD.