Digital Spy

Search Digital Spy
 

DS Forums

 
 

Car and insurance.. What do you pay?


Reply
Thread Tools Search this Thread
Old 05-02-2013, 17:13
Sarg3005
Forum Member
 
Join Date: Jan 2013
Posts: 78

Came across another thread in the advice section and a couple of users mentioned their age, what car they had, and how many no claims discount yet have an what there premiums where..

Just got me interested in how much this varies from person to person.

I'm 23 with a Renault megane been driving for 5 years and have 5 years ncb. My renewal came through and was 126 per month!

My partner also 23 passed her test the day before my renewal. To get her insured on my policy and only holding her license for 1 day brought my premium down to 82 a month :s

I haven't got a clue how they work this out!
Sarg3005 is offline   Reply With Quote
Please sign in or register to remove this advertisement.
Old 05-02-2013, 17:26
lemoncurd
Forum Member
 
Join Date: Nov 2002
Location: Bristol
Posts: 42,525
She's female, therefore careful. They assume that if she drives the car 50% of the time, that's 50% fewer prangs.
lemoncurd is offline   Reply With Quote
Old 05-02-2013, 17:30
David (2)
Forum Member
 
Join Date: Mar 2003
Location: North Wiltshire
Posts: 16,252
it also depends on things like your job, where the car is parked overnight, how deprived (or not) is the area where you live.

I do shop around but the most i can ever save is about 30-50.
I currently pay about 360 a year, fully comp for a 1.4TDI Polo (this is with 10+ years NCD).
Its a mostly poor rural area, with not many jobs and even less well paid ones. I have learned that for some reason my line of work increases my car insurance as well.
David (2) is offline Follow this poster on Twitter   Reply With Quote
Old 05-02-2013, 17:30
Richard46
Forum Member
 
Join Date: Oct 2000
Location: London
Posts: 34,226
The variation post code to post code is huge and makes any person to person comparison difficult.

Me; I'm 66 full no claims, retired, declared mileage of 5000; 250 excess. New 2.0l Skoda diesel and the cheapest I can find is about 500 p.a. Tis cos I live in E.London innit.

First Direct refused outright to insure me for any money when I bought a new Jag a few years ago.
Richard46 is online now   Reply With Quote
Old 05-02-2013, 17:31
PopRocket
Forum Member
 
Join Date: Dec 2011
Location: Milton Keynes
Posts: 578
I pay about 288 a year fully comp with zero excess
PopRocket is offline Follow this poster on Twitter   Reply With Quote
Old 05-02-2013, 17:42
monkeydave68
Inactive Member
 
Join Date: Jul 2009
Posts: 2,357
She's female, therefore careful. They assume that if she drives the car 50% of the time, that's 50% fewer prangs.
except in supermarkets when it will be bumpercars
monkeydave68 is offline   Reply With Quote
Old 05-02-2013, 17:44
Soupbowl
Inactive Member
 
Join Date: May 2012
Posts: 2,034
10 yr old BMW 330 7 yr no claims, wife named on policy, garage 8000 miles 286 this year no convictions
Soupbowl is offline   Reply With Quote
Old 05-02-2013, 17:45
John146
Forum Member
 
Join Date: May 2008
Location: Lancashire
Posts: 6,801
72 retired 290.00 per annum for Renault Scenic 1.6....
John146 is offline   Reply With Quote
Old 05-02-2013, 17:49
tellywatcher73
Forum Member
 
Join Date: Oct 2012
Posts: 3,062
39, ford mondeo 1.8, fully comp with full no claims, live in large town with car parked on street, 250 excess, husband as second driver, 620 per annum
tellywatcher73 is offline   Reply With Quote
Old 05-02-2013, 17:52
Lummo
Forum Member
 
Join Date: Mar 2007
Location: Southampton
Posts: 6,728
She's female, therefore careful. They assume that if she drives the car 50% of the time, that's 50% fewer prangs.
I thought they couldn't offer different prices based on gender now because of the EU Gender Directive or something?
Lummo is offline Follow this poster on Twitter   Reply With Quote
Old 05-02-2013, 17:53
Moony
Guest
 
Join Date: Apr 2007
Posts: 14,712
She's female, therefore careful. They assume that if she drives the car 50% of the time, that's 50% fewer prangs.
Thought that assumption had been done away with recently.
Moony is offline   Reply With Quote
Old 05-02-2013, 17:55
Moony
Guest
 
Join Date: Apr 2007
Posts: 14,712
10 yr old BMW 330 7 yr no claims, wife named on policy, garage 8000 miles 286 this year no convictions
Do you have a drive - it may be cheaper to keep the car there rather than in the garage - depending on your area (it is for me).
Moony is offline   Reply With Quote
Old 05-02-2013, 17:56
Aspartame
Forum Member
 
Join Date: Jun 2005
Location: Greenock, Scotland
Posts: 8,973
I thought they couldn't offer different prices based on gender now because of the EU Gender Directive or something?
Yes indeed, it means that a lot of women are now paying more than before, and conversely some men are paying a bit less.

Hard as it is for a man to accept, women DO tend to have fewer accidents, and when they do they cause less serious damage than men
Aspartame is offline   Reply With Quote
Old 05-02-2013, 17:59
Soupbowl
Inactive Member
 
Join Date: May 2012
Posts: 2,034
Do you have a drive - it may be cheaper to keep the car there rather than in the garage - depending on your area (it is for me).
Yes, I didn't try that option. It's worth trying all sorts of combinations to get the premium down. Also use a cash back website they are usually good for 30 or so
Soupbowl is offline   Reply With Quote
Old 05-02-2013, 18:01
treme
Inactive Member
 
Join Date: Jul 2012
Posts: 5,097
I've just gone from paying 900 a year on a 10 year old BMW 3 litre to 303 on a 2011 Insignia VX Line Sri 2.0 Diesel that I bought for work. Happy days.
treme is offline   Reply With Quote
Old 05-02-2013, 18:01
Lummo
Forum Member
 
Join Date: Mar 2007
Location: Southampton
Posts: 6,728
11' Fiat 500 1.2, passed test in August so still no ncb also my mother is a named driver on the policy(which made it more expensive) and she has full ncb. That's 112 per month with both my staff discount and nectar discount, zero compulsory/voluntary excess and no upfront deposit.
Lummo is offline Follow this poster on Twitter   Reply With Quote
Old 05-02-2013, 18:09
Moony
Guest
 
Join Date: Apr 2007
Posts: 14,712
Hard as it is for a man to accept, women DO tend to have fewer accidents, and when they do they cause less serious damage than men
As a man who has never had a fault accident in 20 years of driving - and knowing plenty of women who have - yes its hard to accept.

I want to be compared to drivers of similar driving ability and maturity - not to people who just happen to have similar shaped genitals.

I bet all else being equal - the accident rate and cost wouldn't be that different. Women on average drive lower value cars, less of the time, for lower miles on less dangerous roads at less busy times. All of these things probably contribute significantly to the apparent disparity in accident rate. Correlation does not imply causation.
Moony is offline   Reply With Quote
Old 05-02-2013, 18:10
Moony
Guest
 
Join Date: Apr 2007
Posts: 14,712
Yes, I didn't try that option. It's worth trying all sorts of combinations to get the premium down. Also use a cash back website they are usually good for 30 or so
I was actually shocked when I did it. It was 300 cheaper to park on the drive than in the garage!
Moony is offline   Reply With Quote
Old 05-02-2013, 18:27
Bulletguy1
Forum Member
 
Join Date: Dec 2010
Posts: 12,719
Focus 1.8, zero excess, 6 years NCD, two vehicle owner.

153 fully comp but the figure will be less when my policy comes into force as i'd told them 5yr NCD so they are re-adjusting the premium.
Bulletguy1 is offline   Reply With Quote
Old 05-02-2013, 19:01
howardl
Forum Member
 
Join Date: Dec 2006
Posts: 3,917
72 retired 290.00 per annum for Renault Scenic 1.6....
Good grief....stung or what!!!
howardl is offline   Reply With Quote
Old 05-02-2013, 19:05
mackara
Inactive Member
 
Join Date: Jan 2013
Location: Norn Iron
Posts: 3,851
2 car policy both cars group 16 costs me 350.00 fully comp and business use with 100 pounds excess, the big bike strangely only costs me 98 pounds fully comp.
mackara is offline   Reply With Quote
Old 05-02-2013, 19:06
howardl
Forum Member
 
Join Date: Dec 2006
Posts: 3,917
55 ,
been driving since '77
clean license
172 comp, no voluntary excess , NCB protection
on a nearly 10 yr old 1.3 CDX Yaris
with named driver


PS..why do people call it fully comp?
comprehensive means across the board, all included.
Aint heard of partial comp
howardl is offline   Reply With Quote
Old 05-02-2013, 19:06
Punkchick
Forum Member
 
Join Date: Jan 2006
Posts: 2,084
I've just gone from paying 900 a year on a 10 year old BMW 3 litre to 303 on a 2011 Insignia VX Line Sri 2.0 Diesel that I bought for work. Happy days.
That's good, I have the Insignia 2.0 petrol turbo SRI and pay 400 pa. Full NCB and no excess.
Punkchick is offline   Reply With Quote
Old 05-02-2013, 19:12
mackara
Inactive Member
 
Join Date: Jan 2013
Location: Norn Iron
Posts: 3,851
55 ,
been driving since '77
clean license
172 comp, no voluntary excess , NCB protection
on a nearly 10 yr old 1.3 CDX Yaris
with named driver


PS..why do people call it fully comp?
comprehensive means across the board, all included.
Aint heard of partial comp
not always, comprehensive does not cover business use/class 1 use.
mackara is offline   Reply With Quote
Old 05-02-2013, 19:15
Acornati
Forum Member
 
Join Date: Jan 2008
Location: Scotland
Posts: 603
Last car, Toyota yaris was 150 a year, female 26 with 4 year ncb. New car (Kia ceed) is 214 a year, I blame the change in car and equality ruling for the increase! Both fully comp. Some people pay a fortune for their insurance!
Acornati is offline   Reply With Quote
 
Reply



Thread Tools Search this Thread
Search this Thread:

Advanced Search

 
Forum Jump


All times are GMT. The time now is 18:02.