my bad news

Sam L · Post by **Sam L** » 06 Sep 2010, 13:44

Hi all

I have had my insurance renewel through for my xantia and it is to expensive i have tried all the compare websites and phoned most of them aswell. So now it looks like i am going to have to sell it and get a smaller engine car this has p1ssed me off so much as i really liked the car.

sam

Post by **myglaren** » 06 Sep 2010, 13:54

That would be a shame. Which ones have you tried and what sort of figures were quoted.

Are you getting quotes for yourself only? Sometimes adding another driver with no claims or convictions can reduce the premium considerably.

I'm pretty happy with Liverpool Victoria but they aren't as good for everyone.

Pompey_Dave · Post by **Pompey_Dave** » 06 Sep 2010, 13:56

up your excess or get a category stated alarm fitted...may cost a few quid but will drop your insurance down

there isnt many cars that are cheap to insure lately, everyones prices are going up due to the amount of non insured drivers around aswell as interest rates

my insurance went up from my 1600 escort to this, yet i thought it wouldnt change as the escort is so easily nicked compared to these, plus more chance of it getting nicked than the xantia

Sam L · Post by **Sam L** » 06 Sep 2010, 14:03

every body sitting £2100 cheapest £1500 tried to go on father-in-laws insurace and it made his go up to £1000
i had a 1.3 before and was only paying £500

Post by **myglaren** » 06 Sep 2010, 14:07

That is just crazy!
How old are you Sam?
I'm only paying £330 (bad postcode - my brother pays less for his BMW 330 M-Tech) and have my eldest daughter, low excess and recovery etc.

KP · Post by KP » 06 Sep 2010, 14:11

You must be really young then as evebn my activa was no-where near that.

What happens when you add your mother onto it as a named driver and bring the milage down??

Donny is bad for insurance mind as its a quality place

Xaccers · Post by **Xaccers** » 06 Sep 2010, 14:17

Sam L wrote:every body sitting £2100 cheapest £1500 tried to go on father-in-laws insurace and it made his go up to £1000
i had a 1.3 before and was only paying £500

Try putting your F-I-L on your insurance rather than yours on his.

Sam L · Post by **Sam L** » 06 Sep 2010, 14:18

i am 24 my mother does not drive i dont want TPFT i have my mileage at 10k

KP · Post by KP » 06 Sep 2010, 14:19

What about Girlfriends mother or suchlike?

Your only adding them just incase they ever do need to drive the car. Your not saying they will but playing it safe

Sam L · Post by **Sam L** » 06 Sep 2010, 14:27

there is only my f-i-l that has a licence for years the couple of other people have onle been passed there test a year or so ago so they are a new driver still
insurance said when im 25 it will go down but i still need to pay untill then

wheeler · Post by **wheeler** » 06 Sep 2010, 14:33

Pompey_Dave wrote:up your excess or get a category stated alarm fitted...may cost a few quid but will drop your insurance down

I bet the cost of the alarm/imobiliser will outweigh the saving on the premium. Unfortunitely is the road risk & the power of the car thats the biggest factors not theft.
I think everyone is in the same boat this year, since ive been driving i've never paid more than the year before (even when changing to a bigger car) untill this year when i had to pay £350 more. The only thing that changed since last years policy is the car is now worth less, work that out.

Pompey_Dave · Post by **Pompey_Dave** » 06 Sep 2010, 15:15

i remember them days of paying over the odds on insurance lol!

Mine isnt that cheap really considering the no claims that I have, aswell as my age (although im still young to the insurance companies)

I pay just shy of £500, but thats fully comp, protected no claims, breakdown cover, and free vandalism and non insured drivers cover so I dont complain really

My worse insurance was £1100 TPFT on my old Suzuki Swift GTi that I owned a few years ago

Sam L · Post by **Sam L** » 06 Sep 2010, 15:20

i haved tried everything i think i am going to have to wait a few years for another one once it is cheaper for me i think also that engine size power is the reason it is so much for me i will post it in the for sale section later i would like it if it went to someone who is going to take care of it

Pompey_Dave · Post by **Pompey_Dave** » 06 Sep 2010, 15:25

thing is though, parts for these arent that expensive that going TPFT cant be that bad a thing to do...the only reason I went FC was for the fact that it was only a tiny bit more money

if it was a dramatic drop then I would of saved myself cash...to me its only a citroen, not something like a porche or merc that a new wing would cost me a month or so wages!

Sam L · Post by **Sam L** » 06 Sep 2010, 15:31

there is only about £200 difference for me to drop it down and i already took my claims protection off already