Sons insurance.

KennyN

Senior Member
Joined
Dec 18, 2013
Messages
1,383
Reaction score
616
Location
Paisley
Your Mercedes
BMW 440i, Cayenne, ZX12r / ZRX11 / ZRX Monoshock
My boys Clio is due for the dreaded annual insurance laugh in.

Present insurer - Churchill - £750
Direct Line - £1500
O2 - £2300

Admiral - £430

All policy , details excesses are very similar but one thing i was told was that he cant protect his NCB until he has at least four claim free years , when did that rule come into play ?

Kenny
 

Flyinspanner

Senior Member
Joined
Aug 8, 2010
Messages
2,820
Reaction score
1,151
Location
Ruislip
Your Mercedes
CLK320-A209 (sold CL500 & W168)
Whenever it suits then :(

At 21 I had a 3 yr old Camaro, 5.75 litre. I think it was maybe £125?

Can you imagine trying to get a quote for that now.....
 

LostKiwi

Senior Member
Joined
Aug 25, 2006
Messages
26,455
Reaction score
15,903
Location
Midlands / Charente-Maritime
Your Mercedes
'93 500SL-32, '01 W210 Estate E240, 02 R230 SL500 (Malcolm Spec), 04 Smart Roadster Coupe
I'm sure insurance companies make up the rules as they go along....
 

barnaclebill15

Senior Member
Joined
Mar 24, 2015
Messages
263
Reaction score
67
Location
newcastle upon tyne
Your Mercedes
clk220cdi/2006/diesel
My Aviva quote is £604, tried two comparison sites and best is £640, I had hoped to find better but it looks like my insurer for the past two years is still the cheapest, just.
 

Frontstep

Senior Member
Joined
Apr 22, 2007
Messages
7,795
Reaction score
1,608
Your Mercedes
T210 320cdi
Went through this charade recently with the youth on first car at 17 same car went from £1650 to £6,250 and higher.

We found it was much better "value" to pick a more unusual car for instance he could insure a bigger Alfa for less than a clio.

My thoughts were swayed by crash protection.
 

Rory

Senior Member
Joined
Feb 8, 2005
Messages
4,911
Reaction score
184
Location
Cheshire, UK
Your Mercedes
2005 C270CDi Avantgarde Estate
Admiral were always cheapest for my kids but bizarrely jumped up when they turned 25 - same happened to both of them.

You used to be able to play Admiral companies off against each other - Bell always gave the lowest price for my youngest, and the call centre operators can see all the quotes. No idea if that still works.

£430 looks very low compared to the other premiums though. My youngest is in her 30's and just renewed at mid £300's on a Honda Jazz. I thought that seemed high and did a quick scout around for her but others were similar or dearer.
 

Craiglxviii

Senior Member
Joined
Sep 6, 2015
Messages
15,870
Reaction score
4,917
Location
Cambs UK
Your Mercedes
W215 CL500 Motorway Queen; W251 R320L Familybenz, S211 E320 Avg Designo Edition now sadly missed.
My boys Clio is due for the dreaded annual insurance laugh in.

Present insurer - Churchill - £750
Direct Line - £1500
O2 - £2300

Admiral - £430

All policy , details excesses are very similar but one thing i was told was that he cant protect his NCB until he has at least four claim free years , when did that rule come into play ?

Kenny
If Admiral are still doing it I recommend their rapid NCB policy. 12mth worth earnt in 10. Spend 2 years with them (20mths) then use the NCD built up to escape early to a cheaper policy.
 
OP
KennyN

KennyN

Senior Member
Joined
Dec 18, 2013
Messages
1,383
Reaction score
616
Location
Paisley
Your Mercedes
BMW 440i, Cayenne, ZX12r / ZRX11 / ZRX Monoshock
  • Thread Starter
  • Thread starter
  • #8
The original Admiral quote was just over £500 , with me on the policy it dropped to the £430 , it would have been £400 but it was an extra £30 for the legal cover.

No black box either , which the others insisted on , but we wont tell him that so he thinks we are still keeping an eye on his driving score :D

Kenny
 

Frontstep

Senior Member
Joined
Apr 22, 2007
Messages
7,795
Reaction score
1,608
Your Mercedes
T210 320cdi
The black box comes with an app to track the car, very useful to find out where the teenager is !!!!!!!!
 

Mark A

Senior Member
Joined
Aug 13, 2006
Messages
1,113
Reaction score
230
Location
Aberdeen
Your Mercedes
08 ML-420CDI, 58 ML-320CDI, 66 CLS-220d
You can still keep,an eye on him with a hardwired dash cam with GPS. Worked wonders for my pair.
 
OP
KennyN

KennyN

Senior Member
Joined
Dec 18, 2013
Messages
1,383
Reaction score
616
Location
Paisley
Your Mercedes
BMW 440i, Cayenne, ZX12r / ZRX11 / ZRX Monoshock
  • Thread Starter
  • Thread starter
  • #11
You can still keep,an eye on him with a hardwired dash cam with GPS. Worked wonders for my pair.

I wouldnt a GPS tracker for Scott , bed / kitchen /college / kitchen / bed / kitchen / work / bed. He would be hopeless on "Hunted" just search the local KFC or Bensons for Beds and they would find him straight away.

Kenny
 

kid-jensen

Senior Member
Joined
Nov 13, 2002
Messages
941
Reaction score
185
Location
Epsom Downs, Surrey
Your Mercedes
Ml320CDI 2007
All insurance companies will try to squirm out of paying when you make a claim, so go for ther cheap one and don't expect much!
 

Craiglxviii

Senior Member
Joined
Sep 6, 2015
Messages
15,870
Reaction score
4,917
Location
Cambs UK
Your Mercedes
W215 CL500 Motorway Queen; W251 R320L Familybenz, S211 E320 Avg Designo Edition now sadly missed.
The black box comes with an app to track the car, very useful to find out where the teenager is !!!!!!!!
Find Friends app. Teenagers are NEVER without their phones!
 

PINBALL

Senior Member
Joined
Jun 20, 2005
Messages
586
Reaction score
50
Age
71
Location
East Grinstead
Website
www.coin-opcommunity.co.uk
Your Mercedes
124 E230 / 124 E220 /124 E280 /210 E320 CDI Wagons
Was with Hastings for 2 years at around £280.

Renewal jumped up to £420

Tried them all and Aviva came at a ridiculous £740 even with 15 years ncd!

Went on Money saving expert and got another quote from Hastings for a lower £225 - phoned up and got it - so explain that if anyone can.
 

Mark A

Senior Member
Joined
Aug 13, 2006
Messages
1,113
Reaction score
230
Location
Aberdeen
Your Mercedes
08 ML-420CDI, 58 ML-320CDI, 66 CLS-220d
Had the same with them for the kids. Hastings Last year £1680, renewal £960, same cover with Hastings through go compare £600. No prizes for guessing which way I went. They are obviously much keener to get new business than they are to keep existing customers.
 

PINBALL

Senior Member
Joined
Jun 20, 2005
Messages
586
Reaction score
50
Age
71
Location
East Grinstead
Website
www.coin-opcommunity.co.uk
Your Mercedes
124 E230 / 124 E220 /124 E280 /210 E320 CDI Wagons
Had the same with them for the kids. Hastings Last year £1680, renewal £960, same cover with Hastings through go compare £600. No prizes for guessing which way I went. They are obviously much keener to get new business than they are to keep existing customers.

Maybe it all adds to the CEO's yearly bonus payout where he can say "look at all this new business I've created" without saying how much was lost, to get it.
 

Frontstep

Senior Member
Joined
Apr 22, 2007
Messages
7,795
Reaction score
1,608
Your Mercedes
T210 320cdi
Was with Hastings for 2 years at around £280.

Renewal jumped up to £420

Tried them all and Aviva came at a ridiculous £740 even with 15 years ncd!

Went on Money saving expert and got another quote from Hastings for a lower £225 - phoned up and got it - so explain that if anyone can.


Its simple, a man in a trance sits in a darkened room chanting tables he's called an actuary.
In the next room sits an ex bookie working out odds.
In the next room sits a kevin there's always a Kevin and he has a shiny suit and a computer.
In the next room is a floor covered in squares and wandering freely around is a pigeon, he dumps in squares.
Kevin takes all their information, the weather, past claims etc and comes up with a number he hopes you will pay.
 

keefysher

Senior Member
Joined
May 4, 2007
Messages
4,189
Reaction score
2,127
Location
Hampshire
Your Mercedes
W166 GLE350AMG Line 3.0 2017. BMW Z3 2.8 1998.
Its simple, a man in a trance sits in a darkened room chanting tables he's called an actuary.
In the next room sits an ex bookie working out odds.
In the next room sits a kevin there's always a Kevin and he has a shiny suit and a computer.
In the next room is a floor covered in squares and wandering freely around is a pigeon, he dumps in squares.
Kevin takes all their information, the weather, past claims etc and comes up with a number he hopes you will pay.

I'm unsure if they are in different rooms though.

Probably in a large room with tinted glass, deep pile carpet, air conditioning and fantastic views most would die for. Each with their back to the other looking out on the vista. Sending e-mails to each other as they are above turning inward and conversing with each other. An observation from experience :geek:
 

Craiglxviii

Senior Member
Joined
Sep 6, 2015
Messages
15,870
Reaction score
4,917
Location
Cambs UK
Your Mercedes
W215 CL500 Motorway Queen; W251 R320L Familybenz, S211 E320 Avg Designo Edition now sadly missed.
I'm unsure if they are in different rooms though.

Probably in a large room with tinted glass, deep pile carpet, air conditioning and fantastic views most would die for. Each with their back to the other looking out on the vista. Sending e-mails to each other as they are above turning inward and conversing with each other. An observation from experience :geek:
You’re missing the Segways and mini Ben & Jerrys freezer in the corner :)
 
Top Bottom