Guys,

After my test drive on Saturday, my dealer told me he would call me on the 18/11/03 with a reg no for my car!!!!!. As I have had the chassis no, I have mangaged to take out my insurance policy which will start from the 18/11/03!!!. Dealers need the cover notes so that they can tax the cars - as you are all aware. My car will be ready for me to collect the week commencing the 24/11/03 at some stage. So for the sake of a couple of days my policy will start before I receive the car - don't want anything to hold up the delivery from my end. Tesco Insurance was the best deal I found, 25 years old, 5 years ncb - unprotected, single, still living at home with the parents!!!!, Policy came to £675.15 + £350.00 excess. This was like half the price of what some insurance companies quoted me!!!!!!!.

Tesco usually require a tracker device to be fitted.

Just called up Mazda and sorted my free 7 day policy. At least gives me chance to get my car on the road.

Direct-Line were much cheaper than Tesco for me.

Elephant.co.uk are by far my best. I believe that they are part of admiral!

Directline quoted me £713

26yo,single and 3yrs ncb.

Bell Direct £725

27yo, garaged, full protected NCB, but get this...... Glasgow G1 Postcode

over 400 cheaper than i could find elsewhere (just hope they don't disappear down the pan, although credit card protection gives some peace of mind)

Originally posted by KEF
Bell Direct £725

27yo, garaged, full protected NCB, but get this...... Glasgow G1 Postcode

over 400 cheaper than i could find elsewhere (just hope they don't disappear down the pan, although credit card protection gives some peace of mind)

I have a friend who lets his rabbit drive him everywhere.

All rabbits qualify for cheap insurance.

that's downright dishonest, shame on him. (git;) )

not that i have anything against rabbits

It might save him a fortune, but he runs the risk of the insurance company not paying out. Trust me when I tell you, it is not worth the risk. I know of people who have not been paid out as a result of this sort of thing. You have been warned....

Originally posted by Edo
It might save him a fortune, but he runs the risk of the insurance company not paying out. Trust me when I tell you, it is not worth the risk. I know of people who have not been paid out as a result of this sort of thing. You have been warned....

Quite right and the more expensive the claim the more likely they are to investigate.

Originally posted by RX-Late
Quite right and the more expensive the claim the more likely they are to investigate.

Absolutley!

He pointed out to me that the car was registered at his parents address, his license was still at his parents address.... and he went a bit quiet when I asked where he lived according to the electoral role...:p

Originally posted by Murphy
Absolutley!

He pointed out to me that the car was registered at his parents address, his license was still at his parents address.... and he went a bit quiet when I asked where he lived according to the electoral role...:p

yeah, if he's not careful he could go from :) to :mad:

Sorry to get on my soap box, but this sort of thing p*sses me off. Having been the victim of a driver who was not insured, this gets my back up.... I pay over the odds in west london - if you cant afford the insurance, dont buy the car.

I'll get off now! ;-)

Originally posted by Edo
Sorry to get on my soap box, but this sort of thing p*sses me off. Having been the victim of a driver who was not insured, this gets my back up.... I pay over the odds in west london - if you cant afford the insurance, dont buy the car.

I'll get off now! ;-)

To calm your ire Edo, I have edited my original post, relating an example of insurance naughtiness! :D

Seriously, I agree with you 100% and would not condone insurance dodges. Seems very "clever" until some poor bugger suffers because of it, as you seem to have.

ta!

I'm not sure if it's any good to anybody but, here were my quotes:

Privilage £407 (350xs)
Direct Line £390 (350xs)
NU Direct £586 (250xs)
Esure £380 (350xs)
Tesco £390 (250xs)
Churchill £466 (250xs)
My Broker £411 (100xs)* Went for this one, they pay claims

Cheers
Oilman

hello all
The best insurance i found so far is with tesco.
all the other companies wanted over £4k which was a joke :D
£2300 was the best price i found for da rx8.

19 year old male driver. with 2 years NCB

Thank god I am not 19...

Originally posted by oilman
I'm not sure if it's any good to anybody but, here were my quotes:

Privilage £407 (350xs)
Direct Line £390 (350xs)
NU Direct £586 (250xs)
Esure £380 (350xs)
Tesco £390 (250xs)
Churchill £466 (250xs)
My Broker £411 (100xs)* Went for this one, they pay claims

Cheers
Oilman

Blimey cheap oilman!

Are you the oldest man in Britain?

:D

heh, Cornwall/Devon is teh cheep insurance area 4 some reason.

My current insurer quoted me £830 for the current year (was £430 for my 1.8lx 99 focus). So thats £166 balance for the year (4yncd).

Seen as low as £700 with 5yncd on other sites mentioned here.

£481 (£150 xs) with my current insurer. I'll do a bit of shopping aorund but as I'm mid policy the cancellation clause will mean that anyone else will have to be seriously cheaper to be worth me transferring.

The quote is for fully comp with proteted NCD. I'm 34 and have 10 years NCD, car on drive overnight.

I found:-

Direct Line £421
Sainsburys £483
E-Sure £486
MoreThan £492
Churchill £607
Elephant £610

All default levels of excess (~£200), full but unprotected no claims. Protected was £40-£70 more in each case.

Cheers
---Dave

Mine - all with class 1 business, 1xSP50 in Jan 2002 (3 points), accident (hit a deer) in May 2000, rear ended October 2003 (day of my sons birth a bloke hit me up the arse!) 3 years no claims bonus.

Direct line £850 (£100xs)
NUD (almost quoted me happy) £697 (£220 xs)
Egg £648 (before the 2nd bump which hasn't been sorted yet, so it goes down on their system as non fault claim) - moved to £748 (£250 xs)
Current broker - spoke to them and they told the insurer of the other car (keeping it - mondeo st24 with 7 yrs no claims) and got it for £675, 250xs and allowing for all outcomes of the claim.

All of these include the legal and all other whatnots that are the added extras...


Well happy!

Quick suggestion.......................try Halifax, most competitive for me ( 28 yrs old, 6 yrs no claims)

I have looked around myself, 39 6 points 10 years NCD.

Cheapest by £200 was Norwich Union Direct - £467

Give their web site a try.:)

Went with Norwich £537 with NCP, hire car, legal expenses protection. Also tried Tescos based on Contigo quotes but came in at £680. Happy with NU, good name, good pay-out reputation, won't go bust. May be not the cheapest but I prefer to know they will back me up in a claim situation. No tracker required.

Also, cheaper than TTC.

rael

Anyone going for Invoice Gap?

What do you all think?

Contingo,

I have gone for the GAP invoicing, cost me £399.00 from Newbury, however nearer the delivery of my car I will challenge them reagrding the cost, as I have seen on other threads Mazda dealers offering customers the same thing for £339.00, I know it's not a mega difference, but why should I pay more if I don't need to.

What is gap invoicing or Invoice gap? Sorry, never come across that before.

rael

I've just rang up Direct Line and changed the insurance over and its even cheaper than I was expecting £406 annual including protected no claims. :)

The best bit is it automatically includes the equivelent of Mazda's £400 invoice gap, i.e. if you are the first owner of a brand new car, they will replace it with the exact same car including all the options. Pretty good eh. :D

They were also offering break down cover for £65 annually, which although I dont expect the car to go wrong, would be worth it for the road side assist in the case of a puncture. If you use the goo on the tyre its useless after, so thats going to cost £180. Saying that I haven't had a puncture in 8 years (when I had 3 in as many months).

Anyway, not too bad that, and I'll be ready to rock and roll midday Monday :D:D:D

Cheers
---Dave

Druck I've been told the Mazda Breakdown Service (3 years cover?) will cover the eventuality of a puncture. I think its called Mazda Assist. This may save you using the goo!

If anyone has more info on this, please say.

AnilS.

Yes you get 3 years free breakdown cover with Mazda Assistance as part of the cars warentee. But after that the Direct Line cover sounds pretty reasonable.

Cheers
---Dave

Thought i was going to get shafted on my insurance as I have been driving on company's insurance therefore have no NCB!!

Family car is insured by me with wife as named driver, am keeping this therefore thought i may have to start from scratch.

Have been given good deal though with £460 including GAP cover & £125 excess!!

An interesting point from some of my married colleges is that you can usually get cheaper insurance if you put your wife down as a named driver, than if its just you! Even my boss who's just married an American got cheaper insurance on his Merc CLK and Jag X-type by putting her down, and she had never driven on the correct side of the road before!

Cheers
---Dave

I've just had to get the 7 day temp cover from Mazda insurance as my cover not hasn't made it through the post. They quoted me £846 for the year, compared to £406 for direct line - so I'm staying with them!

Cheers
---Dave

Most places I've tried won't touch me as I'm under 30 (by some 6 months!) even with my 6+ years NCS - including more-than who I'm with at the moment. I have a group15, but apparently group16 requires you to be over 30 for them to cover you...

However,
direct line £605 with protected NCD and £400 excess,
elephant £596 with protected NCD and £250 excess

My insurance is currently being wasted at the rate of £1.50 per day. Get it ready for the 6th said my dealer (so I went for the 1st just in case) and still no use for it as yet. Grrrr...