my bad news

Xaccers · Post by **Xaccers** » 06 Sep 2010, 15:38

What price do you get if you set your voluntary excess to the value of the car, and add your father in law as a named driver?

brmartyn · Post by **brmartyn** » 06 Sep 2010, 15:41

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

Sam I'm also 24 and I've just renewed my insurance with Admiral for just under £500 fully comp.

What spec Xantia do you have? I have the 2 litre 16v Exclusive so unless you're driving the 3 litre v6 I can't understand how you've been quoted so much!!!!

Sam L · Post by **Sam L** » 06 Sep 2010, 15:43

Xac wrote:What price do you get if you set your voluntary excess to the value of the car, and add your father in law as a named driver?

i havent done that i set my excess at £500

Sam L · Post by **Sam L** » 06 Sep 2010, 15:49

brmartyn wrote:
Sam L wrote:i am 24 my mother does not drive i dont want TPFT i have my mileage at 10k
Sam I'm also 24 and I've just renewed my insurance with Admiral for just under £500 fully comp.

What spec Xantia do you have? I have the 2 litre 16v Exclusive so unless you're driving the 3 litre v6 I can't understand how you've been quoted so much!!!!

i have a 1.9 td it cant be high model because there nothing electric i have got points and 2 years ncb so thats why it will be so much i will have to get a little car again until points off licence and try again

Xaccers · Post by **Xaccers** » 06 Sep 2010, 16:06

Sam L wrote:
Xac wrote:What price do you get if you set your voluntary excess to the value of the car, and add your father in law as a named driver?
i havent done that i set my excess at £500

Adding the posibility of a "better" driver behind the wheel some of the time reduces the likelihood of the car being involved in an accident, so try your FIL on the policy.
Similarly, if your voluntary excess is the same as the value of the car, if you dent the car you're not going to cost the insurance company anything, makes you a more attractive customer.

Sam L · Post by **Sam L** » 06 Sep 2010, 16:15

i always tell them a higher value than i bought it for because of a past experience were they payed me less than i bought it for and i got it for quite a bit less than market value
so now i look around at similar age milage price and tell them that
in this case i told them £1000

Post by **myglaren** » 06 Sep 2010, 16:18

Makes no difference what you put, they will only pay you the current going rate at the time.

wotwot · Post by **wotwot** » 06 Sep 2010, 17:03

RIP off insurance quotes bah humbug.
Being an old git according to some 49 years young mine is at a modest £190 F/C.
About 3 years ago my insurance went from £189 for a 3.2 jag with 3 points (speeding) to £289,no way I was going to be ripped off by the brokers.So started searching around.Anyway got loads of phone calls saying "we can get you a better deal",they were all more expensive.Until one call came in and was quoted £169 still fully comp and wth the same insurer thank you very much i'll have that.
These might be worth a try.
computerquoteinsurance.com 08003285535.
let me know how you got on.

wheeler · Post by **wheeler** » 06 Sep 2010, 17:34

When i was checking out insurance quotes a few months ago I though i'd check to see how much I would save by going down to TPF&T & found that with many companies FC was cheaper than TPF&T by a few quid. Was the same last year when i was getting quotes for my mum.

Trainman · Post by **Trainman** » 06 Sep 2010, 19:00

Try RINGING these: http://c6owners.org/page.php?8

They came out very competative for me

Citroenmad · Post by **Citroenmad** » 06 Sep 2010, 19:15

i can't understand why your insurance would be so much, its either gone up huge amounts in the past few months or somehting is not quite right.

About 2 months ago i paid £680 for my C5, im 23, 4 years NCB, no points or accidents. I thought that was quite reasonable. Adding my dad took the quote down by about £150.

Xaccers · Post by **Xaccers** » 06 Sep 2010, 19:39

Sam, how many points have you got?

red_dwarfers · Post by **red_dwarfers** » 06 Sep 2010, 19:57

All I can say and I'm sure Chris will agree, look at the small obscure insurance companies with poor advertising, you might be pleasantly surprised.

Sam L · Post by **Sam L** » 07 Sep 2010, 14:45

After spending all morning on the phone i finally got some good news i got quoted £649.55 which i am happy paying
thank you to everyone for your help i had given up and thought i would have to sell the car but now i dont have to

thanks all
sam

Post by **myglaren** » 07 Sep 2010, 14:49

Nice going Sam