Xantia HDI Insurance

[XantiaExclusiveHDI]

It's that time of the year again

Just wondered who would be best for insuring my Xantia? I've just received my comprehensive insurance renewal figure of £352. I've tried the usual comparison sites with nothing better thus far. Admiral came out at £540

What are you guys paying?

I'm 41 - self employed - drive less than 4K a year...

Thanks!

[CitroJim]

That's a remarkable quote from Admiral

I pay not a lot more than that for two V6s and an Activa on one of their multicar policies...

That's at age 51, limited mileage on one and clean driving record..

They must have made a mistake in the quote...

[rory_perrett]

Last year I got a a number of quotes around the £540 mark for Xantia HDi Exclusive, comp, 48 yo, self employed 25,000 miles a year, clean licence (touch wood) no claims or accidents. RAC was by far the cheapest at £281. This year RAC wanted £450 ish, best I could do after a lot of hard work was £369. Last year Admiral was one of the £540 lot, this year they matched the £369 but by going multicar we got the wifes Xsara down by £50 and a massive £300 off daughter's fiesta. Glad I got that one nailed (it's due in April) as I'm sure following the european ruling she is going to get hit big time next year.

[spider]

Churchill was a fraction under £300 if I remember correctly, it was a few months ago now and I do it on instalments, that's for my DTurbo, am 36.

Interestingly, I rang them about a month ago, and they wanted quite a bit more for a 206D or LXD (the slow DW8 engine, not the HDi) , despite cover still being tp+f+t , I think it worked out about another 100 or so for the year, given what they wanted to do to the instalments.

Second interesting note: What I pay now is not far off what I paid for my first years driving and that was with a (relatively high risk) 1.6 MK3 Escort in '91...

[XantiaExclusiveHDI]

Blimey - looks like Insurance rates have rocketed

AA quote was £504 - Churchill £494 - Adrian Flux £400

Incidentally my premium last year was £301 with Privilege.

This along with £200+ tax & my doing only 4kish a year makes me wonder whether I should look at alternatives

[Citroenmad]

That is very expensive insurance!

Im not looking forward to renewal if your increase is anything to go by.

[RichardW]

Both ours are with Elephant, and have been for about 5 years. For the level of cover no one can get close - Picasso just re-done for about £350, I expect similar or a bit more for my Xantia HDi later this month. Multi car got in a big strop about SWMBO's 2 windscreens and fender bender and quoted something rediculous, whereas protected NCD on Elephant means it hasn't gone up much.

[OwenP]

I use E-sure, can't remember the price, but it was the best of the lot I found last august. Amittedly this isn't on a Xantia, but they might be worth a look.

Oddly I have found that some companies will charge a higher premium if you do too few miles in a year.

[Citroenmad]

My renewal is not due until May, but ive been getting some quotes to check out what i will have to pay. They are quite scary!

Cheapest on confused was £850, ranging right through to £3775.

And there I was thinking insurance would be coming down as I got older ...

Nice, best get saving!

[spider]

Cheapest on confused was £850, ranging right through to £3775.

And there I was thinking insurance would be coming down as I got older ...

Do you mind if I ask why it appears to be so high ? , are you young / high risk occupation / using for business / excess points ?

It does seem a lot

[Citroenmad]

It is high, i paid £650 last year on my 04 C5 2.0 110 HDI VTR.
Bit newer car this year and with higher insurance group on my 56reg 138bhp HDi C5.
However when i swapped my car on the insurance it didnt rise by much, only about £40 for the following 5 months - some of that was admin costs.

A bit about me:
Im 23 - will be 24 by insurance time.
No accidents
No points
4 Years no claims (might be 5 actually, will need to check that)
Driving almost 7 years
C5 is insurance group 11 (original groupings) and worth about £5500
Car is garaged on a night
16K miles per year
Use for social and commuting
Full time student working part time
Reasonable postcode area.

Its not the worst list of details, but i can see a few which might put my premium up.

[myglaren]

Not sure that I would be induced to go with them but my eldest (34) bought a car after a three year hiatus and the cheapest was Kwik-Fit, by a large margin.

Third daughter (youngest, 26) with a 2.3L SAAB 93 went with Sheila's Wheels and cut £400 off her renewal from Swift.
Her car is in a private, gated carpark watched by cctv, in a decent postcode and out in the sticks (she lives in a golf club). Pays about £300, which is less than I do with 99 years NCB.

[Citroenmad]

with 99 years NCB.

Now that is something to aspire to

[andy5]

It's worth tinkering about on the quote with having an extra voluntary excess and maybe adding protected no claims instead.

I switched to Axa last year. 53 years old, only driver, SDP and use in connection with business, 6/7 years ncb but one windscreen claim, up to 30,000 miles, £200 compulsory plus £250 voluntary excess, £65 excess for windscreen claim, protected ncd, legal fees cover, no breakdown, £328. Quidco £28 cashback.

Requoting it the same now would be £323, including about £8-10 each for the windscreen claim history and the business use, and the protected ncd and legal fees are about £25 each. I might delete the protected ncd next time.

For 6000 miles a year, it would start at about £230, including legal fee cover, with same excesses as above.

[XantiaExclusiveHDI]

Just tried AXA.

Came out at £534

That's with full NCB - no extras - £400 Excess - up to 4000 miles. I have one TS10 (3 points) which came with no fine.

Self employed - car parked on drive.

What am I doing wrong?!?!