Author Topic: im not looking forward to my mps renewal.  (Read 10090 times)

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Offline big_dave_r

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im not looking forward to my mps renewal.
« on: April 18, 2011, 08:56:23 AM »
right, im 24 i have 6yrs no claims, no convictions, no claims of any kind. my current insurance on my mps aero is with directline and is £800 fully comprehensive.
which to be honest seems like alot to me because i had a modified clio sport before this and it was about £400 lol
i just got a quote with directline again for the same car with the same details. age, ncd, postcode, etc etc all identical and recieved a price of £1400
funk paying that !

Offline rincey

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Re: im not looking forward to my mps renewal.
« Reply #1 on: April 18, 2011, 09:40:05 AM »
Try Adrian Flux.

I got mine for £550 and was as follows:

Fully Comp
5* UK & European Breakdown cover
2 Named Drivers
Windscreen Cover (£25 Excess I think)
£250 excess
CAI & Exhaust mods covered
Wheel replacements, bodywork, etc covered for free.
Protected no claims

I was happy with that :)

Andy


Offline Donnee

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Re: im not looking forward to my mps renewal.
« Reply #2 on: April 26, 2011, 10:40:08 PM »
Adrian flux are pretty good to be fair, used them in the past when i had a hyundai coupe with a few toys on it. Despite my age and the mods they were still really competitive (and probably more importantly, really good to deal with - dunno if i'm the only one but i'd rather pay a few quid extra and get through to someone with half a brain rather than a script and no idea)

one that might be worth a go, if you have any personal lines brokers near where you are, ask if they have an agency with sabre, i hear good things about them for performance cars / modded / young drivers / etc etc. Unfortunately our place don't deal with them, but they come recommended.

Don't take this as me having a go rincey, but unless the person is a clone of you and living on the same street, comparing prices is a bit pointless. I have this convo with clients at least once a day usually "oh my mate gets it for half what i pay", "yes but they aren't you are they?". When insurers rate a policy they take a base rate then run it through about 50 different multipliers to get your premium. You can be in the next street and pay twice the price just because of your address even if all the other details are the same on the policy. Also need to bare in mind you're 41 and therefore much less of a risk - in theory - compared to a 24 year old, and you have the missus on there (can be up to 20% insured and spouse/partner discount depending on the company). Sounds like you've got a pretty good deal on yours mind, definitely worth giving them a try, but i wouldn't expect it to work out at 500 squids ;)

As always with insurance, its worth shopping around. Motor rates have gone up this year (average is 20% despite the 50% they're talking about on the news, always talking bollocks them lot). At £800 for yours you were probably in the right sort of area, at £1400 its a bit on the high side. I'd expect this year you'd be looking at around a grand, maybe £900 if you're lucky. The main drop will come when you hit 25 as then you're out of the "danger zone" (also watch out for the fairy that arrives at midnight and delivers your 25th birthday present of "driving skill!!!!!"). Comparing meerkats or tenors is probably a waste of time with the type of car (especially if you have mods) but hitting the specialist markets should get you at least some saving. As said the main ones that spring to mind are Adrian Flux & Sabre (sabre only deal through brokers, no direct stuff unfortunately). Churchill might also take a punt on it, although they're the same company as Direct Line in the end, they do have a different risk appetite and favour younger drivers compared to DL.

hope there's something useful in there anyway, let us know how you get on with it :)
« Last Edit: April 26, 2011, 10:58:17 PM by Donnee »

Offline rincey

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Re: im not looking forward to my mps renewal.
« Reply #3 on: April 26, 2011, 11:26:38 PM »
What I forgot to mention in what I posted that everywhere else was quoting me £900+ whereas Adrian Flux came up at least £400 less than the others and with a much better package.

Just that amongst all others, they came out a damn sight cheaper - but like you said, no two cases are the same, but gotta be worth a call :)
« Last Edit: April 26, 2011, 11:31:07 PM by rincey »

Offline Donnee

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Re: im not looking forward to my mps renewal.
« Reply #4 on: April 27, 2011, 12:10:26 AM »
Least you got a good deal that's the main thing, and its with a decent company. what annoyed me when I had the hyundai was all the places who didn't have a clue about mods, mentioned a CAI to one and they start asking if that's something to do with climate control :D

Gotta be honest, glad I went for the sport, the mpg and the insurance for an mps would cripple me

Offline rincey

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Re: im not looking forward to my mps renewal.
« Reply #5 on: April 27, 2011, 12:33:37 AM »
TBH, MPG isn't that much of a killer. If I take it easy-ish, I can see 28 round town - on a run, 36, so I am happy, but I gotta say, I was also getting worried about insurance this year - glad I got what I did :)

Mazda 3 Forums UK

Re: im not looking forward to my mps renewal.
« Reply #5 on: April 27, 2011, 12:33:37 AM »